Frequently Asked Questions

When you apply online, you will need to provide information about yourself. For a faster application process, have the following information on hand when you begin your application:

• Your Social Security number
• Your current residential address
• Your e-mail address
• Your account number or debit card number to make your opening deposit into your new Bank of America account
• Co-applicant's personal information (if applicable)
• Online Banking ID and Passcode (if applicable, for existing customers)

You'll need the same information that's needed when opening an individual account - but you'll need it for both applicants. For details, please see the question and answer above. Please note that each co-applicant has to sign the signature form.

Opening your account online is secure, fast and easy. Click on the link below, select your accounts, enter your personal information, verify your information and choose features & funding options.

You will receive an e-mail once your application is received and a follow-up e-mail telling you whether it has been approved, plus any next steps.

Apply Online

To make your opening deposit online, you can either transfer money from your account at another bank or you can use your MasterCard or Visa debit card. If you are already a Bank of America customer, you can transfer money from your existing account.

The transfer will not take place until your account is approved. Please ensure that you have sufficient funds available to be transferred.

When applying for a new checking or savings account online, you can deposit any amount ranging from the minimum opening deposit amount (as little as $25 depending on the account type) or higher.

We use Secure Socket Layer (SSL) technology to ensure your online information is passed to us securely. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Online Banking site, you are secure through our use of SSL technology.

Your application will be processed in 1 - 2 business days. We'll send you an e-mail letting you know if you are approved for your account. You will receive your account documents via US Mail within 7 to 10 business days.

An offer code is a series of numbers and letters that you may have received from Bank of America in conjunction with a promotion or offer. Your offer code is indicated on the communication material you may have received from us. Examples of communications are a brochure that you received in the mail or a web page ad. You can enter this offer code on your online application.

"Online access to my account" means that you can view your account through Online Banking. You can check your balance, transfer funds and pay bills with Online Banking - and it's free. Learn more at www.bankofamerica.com/onlinebanking.

As part of your online application, you will be asked to give consent to receive certain account opening documents and notices from us electronically. Other account opening documents will be sent through U.S. mail within 7-10 days of account opening. If you do not wish to consent to receiving documents electronically, you may visit any Bank of America banking center to apply in person.

A signature form allows Bank of America to service your account. It is important to sign and mail your signature form to us as soon as possible (and have any co-applicants sign the signature form too) so that we can service your account, which includes verifying your identity and reporting tax information.