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 Offer may be withdrawn or modified at any time without notice.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.
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.
$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.
Access to mobile banking service that allows you to view your account through your mobile phone3
Email and text message alerts to help you manage your account when your balance gets low4
Parents can help students out with money more easily than ever. Funds can be transferred once or on a recurring basis directly from one Bank of America account to another, free of charge
Footnote 1 Special Online Only Offer: Opening account online available only for students 18 years and older. Account will initially be opened as CampusEdge® Checking with no monthly maintenance fee. After the first 5 years for accounts opened online, account will be converted to MyAccess® Checking with no monthly maintenance fee. Student status will be validated upon account opening. Fees for overdrafts and other account-related services still apply. Programs, fees, rates, terms and conditions are subject to change. CampusEdge checking is not currently offered in Georgia.
Footnote 2 Stuff Happens® Card, good for a one-time refund for one of the following fees: overdraft item fee, NSF: returned item fee, overdraft protection transfer fee, stop payment fee or non-Bank of America ATM fee. The Stuff Happens® Card is only valid for CampusEdge® Checking accounts.
Footnote 3 Web access is needed to use Mobile Banking. You will be charged access rates, depending on your carrier. Check with your service provider for details on specific fees and charges.
Footnote 4 Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider.
Monthly Maintenance Fee
Balance Requirement
$0
$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.
Check enclosure service not available for this account.
$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.
Special rates on CDs, IRAs, select loans, and lines of credit1
Free Online Banking service with Bill Pay®
Free Visa® Check Card with Total Security Protection® and Photo Security®
No fee for cashier's checks, money orders or ATM statements
Manage your money online, by phone or using our ATMs all with no fee
Unlimited check writing with free deluxe checks
Trade stocks online with Banc of America Online Investing, Powered by Merrill Lynch for $7 per trade
No rental fee on standard size safe deposit box (subject to availability)
Exclusive FDIC Benefits All checking balances in this account are 100% FDIC insured Bank of America now offers full Federal Deposit Insurance Corporation (FDIC) coverage for Advantage with Tiered Interest Checking through December 31, 2009. To qualify for this FDIC guarantee, the interest rate will not exceed 0.50% through that date.
Footnote 1Credit is subject to approval, and normal credit standards apply. Loan discount does not apply to certain types of loans, such as first mortgages and dealer loans.
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.
$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.
Footnote 4Annual Percentage Yield is accurate as of 11/23/2009. This is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account.
Includes both Business and Personal checking accounts
Free Online Banking service with Bill Pay
Up to 150 business checks per month, at no extra cost
Includes 2 accounts: a Business Economy Checking account and a free Personal MyAccess Checking account (see MyAccess Checking schedule for any rates and fees associated with this account)
Free Online Banking with Bill Pay
No charge for the first 150 checks paid and deposited items combined per month on Business Economy Checking account
No monthly maintenance fee when you have a qualified Check Card purchase each month or when a specified balance requirement is met1(your personal MyAccess checking account is free with no minimum balance requirement)
Free Bank of America Visa® Check Card
Check safekeeping service that helps avoid the cost of including your paid checks in your statement
Footnote 1Bank of America will waive the monthly maintenance fee on your Business Economy Checking account for each statement period in the month following a point-of-sale Bank of America Visa Check Card purchase. For example, if you make a point-of-sale check card purchase in the month of August, your monthly maintenance fee credit will appear on your September statement. The following transactions do not qualify as point-of-sale purchases: a) ATM transactions; b) credits, such as those for purchases that are cancelled or returned, or other adjustments related to point-of-sale purchases; c) purchases of cash-like items, such as money orders, traveler's cheques, foreign currency, cashier's checks, gaming chips, and other similar instruments and things of value; d) account funding transactions, including transfers to open or fund deposit, escrow or brokerage accounts, and purchases of stored value cards. The account must be in good standing at the time of the purchase(s). For each month a point-of-sale Check Card purchase is not made, you will be charged your usual monthly maintenance fee if you do not meet the minimum balance requirement outlined in your Personal Schedule of Fees. We may, at our discretion and without notice to you, amend or cancel this offer at any time.
MyAccess Checking
Fee type
Fee (per statement cycle)
Monthly maintenance fee
$0
Check enclosure fee (fee charged for returning cancelled checks with your monthly statements)
$3 each statement cycle
Business Economy Checking
Fee type
Fee (per statement cycle)
Monthly maintenance fee when one of the following is maintained:
Enrolling in Business Fundamentals and making a monthly qualifying purchase with your Business Check Card1
$3,000 minimum daily balance
$10,000 average monthly balance
$0(otherwise $13.00)
Each check paid or deposited item after the first 150
45¢
Cash deposited after the first $10,000
20¢ per $100
Check enclosure service (optional service that returns copies of cancelled checks with your statement)
$5
Footnote1 Bank of America will waive the monthly maintenance fee on your Business Economy Checking account for each statement period in the month following a point-of-sale Bank of America Visa Check Card purchase. For example, if you make a point-of-sale check card purchase in the month of August, your monthly maintenance fee credit will appear on your September statement. The following transactions do not qualify as point-of-sale purchases: a) ATM transactions; b) credits, such as those for purchases that are cancelled or returned, or other adjustments related to point-of-sale purchases; c) purchases of cash-like items, such as money orders, traveler's cheques, foreign currency, cashier's checks, gaming chips, and other similar instruments and things of value; d) account funding transactions, including transfers to open or fund deposit, escrow or brokerage accounts, and purchases of stored value cards. The account must be in good standing at the time of the purchase(s). For each month a point-of-sale Check Card purchase is not made, you will be charged your usual monthly maintenance fee if you do not meet the minimum balance requirement outlined in your Personal Schedule of Fees. We may, at our discretion and without notice to you, amend or cancel this offer at any time.
The products displayed here are our online only product offerings. Additional products may be available in the banking centers. To view Rates and Fees on all products including those not sold online, view the Personal Schedule of Fees. Understanding the Fundamentals of Bank of America's FDIC-Insured Checking Accounts, view the Checking Account Clarity Statement Opens a new window
Geared towards
Basic checking account with no monthly maintenance fee when opened online
Students 18+ who want an account with no monthly maintenance fee
Someone who keeps high balances and wants to earn interest
Small business owners who want both a personal checking and business checking account
MyAccess® Checking
CampusEdge® Checking
Advantage with Tiered Interest Checking
Small Business Checking Bundle
Initial opening deposit requirement
$25
$25
$100
$100
Monthly maintenance fees
Monthly maintenance fee is waived if opened online1
You can waive your monthly maintenance fee by maintaining a minimum combined average daily balance of $10,000 in 1 or more of your checking and savings accounts. Read
Special rates on CDs, IRAs, select loans, and lines of credit3
Free checks or discounts on select check designs
No fee for cashier's checks or money orders
No rental fee on standard-sized safe deposit box
Business Economy Checking account
(included)
Trade stocks online
($7 per trade)
Footnote1 MyAccess® 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.
Footnote2 Special Online Only Offer: Opening account online available only for students 18 years and older. Account will initially be opened as CampusEdge® Checking with no monthly maintenance fee. After the first 5 years for accounts opened online, account will be converted to MyAccess® Checking with no monthly maintenance fee. Student status will be validated upon account opening. Fees for overdrafts and other account-related services still apply. Programs, fees, rates, terms and conditions are subject to change. CampusEdge checking is not currently offered in Georgia.
Footnote3 Credit is subject to approval, and normal credit standards apply. Loan discount does not apply to certain types of loans, such as first mortgages and dealer loans.
Footnote4 Bank of America will waive the monthly maintenance fee on your Business Economy Checking account for each statement period in the month following a point-of-sale Bank of America Visa Check Card purchase. For example, if you make a point-of-sale check card purchase in the month of August, your monthly maintenance fee credit will appear on your September statement. The following transactions do not qualify as point-of-sale purchases: a) ATM transactions; b) credits, such as those for purchases that are cancelled or returned, or other adjustments related to point-of-sale purchases; c) purchases of cash-like items, such as money orders, traveler's cheques, foreign currency, cashier's checks, gaming chips, and other similar instruments and things of value; d) account funding transactions, including transfers to open or fund deposit, escrow or brokerage accounts, and purchases of stored value cards. The account must be in good standing at the time of the purchase(s). For each month a point-of-sale Check Card purchase is not made, you will be charged your usual monthly maintenance fee if you do not meet the minimum balance requirement outlined in your Personal Schedule of Fees. We may, at our discretion and without notice to you, amend or cancel this offer at any time.
Footnote5 Can be a combination of up to one money market savings account and up to two Regular Savings accounts. Transaction limits and excess transaction fees still apply.
MyAccess® Checking
CampusEdge® Checking
Advantage with Tiered Interest Checking
Small Business Checking Bundle
Initial opening deposit requirement
$25
$25
$100
$100
Monthly maintenance fees
$0
$0
$25
You can waive your monthly maintenance fee by maintaining a minimum combined average daily balance of $10,000 in 1 or more of your checking and savings accounts. Read
Business Economy checking: $0 (otherwise $13.00) MyAccess checking: $0
Fee Type
Fee
Fee
Fee
Fee Types & Fees
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.
$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.
$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.
You can waive your monthly maintenance fee by maintaining a:
Qualifying monthly purchase with your Business Check Card2
$3,000 minimum daily balance
$10,000 average monthly balance
45¢ for each check paid or deposited item after first 150
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.
$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.
$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.
$3.00 each statement cycle
Check enclosure service not available for this account
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.
Footnote2 Additional fees and charges may apply.
The products displayed here are our online only product offerings. Additional products may be available in the banking centers. To view Rates and Fees on all products including those not sold online, view the Personal Schedule of Fees. Understanding the Fundamentals of Bank of America's FDIC-Insured Checking Accounts, view the Checking Account Clarity Statement Opens a new window
We help make it easy for you to switch your checking and savings accounts to Bank of America.
Opening your checking account is fast and easy. And after you've completed the few steps to open it, you can then fund your account by electronic transfer, mail, or in person.
If you already have a Bank of America checking or savings account that you manage with Online Banking, and you aren't adding a co-applicant, you only need:
Phone number
Email address
Online Banking ID and Passcode
Otherwise, you'll also need the following information for yourself and any co-applicants before you start:
Social Security numbers
Home address
Credit card or bank account number for funding your new account (you can also fund your account after your account is open)
Use your permanent (home) address for verification. We will verify your address and other information, and we will send any opening materials to this address.
It's easy to put in money when you apply online or any time afterward:
Use a credit card, check card, or transfer money from another bank account during the application process
Make a deposit at any of our over 17,000 ATMs, 5,700 banking centers or by mail
3. You will get an email once your application is received and a follow-up email telling you whether it has been approved, plus any next steps.
4. Your account opening documents and a Check Card or ATM Card will be delivered separately for your protection.
