MyAccess® Checking
  • Monthly maintenance fee is waived if opened online
  • No minimum balance
  • Great Value: Get even more from your account with the MyAccess® Checking & Keep the Change® Package
Features
  • Monthly maintenance fee is waived if opened online1
  • No minimum balance requirements
  • Optional Regular Savings account2
  • Free award-winning Online Banking service with Bill Pay®
    • Free transfers to and from other Bank of America customers
    • Free Account Alerts to manage spending and to avoid fees
    • Free Mobile Banking
    • Save the environment with free eStatements
    • Manage accounts from other financial institutions with free MyPortfolio™
    • Earn up to 20% cash back each time you use your check card through Add It Up™
  • Free enrollment in Keep the Change®
  • Free Bank of America VISA® Check Card
  • Access to over 18,000 Bank of America ATMs all with no fee

Footnote 1MyAccess Checking has no monthly maintenance fee when opened online. Other account-related service fees still apply. This special offer is available only online. Offer may be withdrawn or modified at any time without notice.

Footnote 2Regular Savings accounts are free of monthly maintenance fees for 6 statement cycles when you apply with any checking account; otherwise, they are free of monthly maintenance fees for the first 2 statement cycles. Avoid monthly maintenance fees after the introductory period with a scheduled recurring transfer each month from checking to savings of $25 or more or a minimum daily balance of $300 or greater in Regular Savings. Transaction limits and excess withdrawal fees still apply.
Rates & Fees
Monthly Maintenance Fee Balance Requirement
Monthly maintenance fee is waived if opened online $0
Fee type Fee

Overdraft Items and NSF: Returned Items

When you do not have enough available funds to cover a check or other item, we may either pay it and charge you an Overdraft Item Fee or return it unpaid and charge you a NSF: Returned Item Fee.

$35

When we determine that your account is overdrawn by a total amount less than $10 after we finish processing for that day and we pay for the transaction or transactions, we do not charge Overdraft Item Fees.

When we determine that your account is overdrawn by a total amount of $10 or more after we finish processing for that day and we pay for the transaction or transactions, we charge an Overdraft Item Fee of $35 per item.

NSF: Returned Item Fees are also $35 per item and are charged when we decline or return your transactions when you do not have sufficient funds in your account to pay for the transaction or transactions.

You are charged for no more than 4 Overdraft Item and Returned Item Fees per day.

Extended Overdrawn Balance Charge

Applies when we determine that your account has been overdrawn for 5 or more consecutive business days.

$35.00 For each time that your account is overdrawn by any amount for 5 or more consecutive business days, we charge one Extended Overdrawn Balance Charge.

Check enclosure fee

The fee charged for returning cancelled checks with your monthly statements.

$3 each statement cycle

Stop Payment fee

$30.00 each request or renewal

Non-Bank of America ATM fee in the United States1

$2.00 per withdrawal, transfer, or balance inquiry

Non-Bank of America ATM fee in a foreign country1

$5.00 per withdrawal, transfer, or balance inquiry

Footnote1 A non-Bank of America ATM is an ATM that does not prominently display the Bank of America name or logo on the ATM. When you use a non-Bank of America ATM, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
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