Regular savings account

Start your regular savings account plan with a low opening balance.

Who it's for (Regular Savings Accounts)

• You're opening your first savings account
• You want to consistently save money for unexpected expenses or special purchases (vacation, holiday gifts)

Standard Regular Savings account features

• Open this basic savings account with as little as $25
• Online Banking . Link opens in a new window. service
• FDIC insured up to applicable limits
• Monthly maintenance fee waived with an automatic monthly transfer of $25 or more from your Bank of America checking account. Visit our step-by-step. Link opens in a new window. instructions

Flexible savings account options

• Transfer money from your savings account to your checking account easily, or vice versa
• Monthly statement if you use an ATM or have transfers or a combined statement. Otherwise, a quarterly statement
• Easy access at any Bank of America ATM and Banking Center

Open a savings account now

Footnote ^{Footnote **}Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details.

Regular Savings Account Pricing

Minimum Balance Monthly Maintenance Fee $300 per day None An automatic monthly transfer from a Bank of America checking account of $25 or more None Less than $300 per day or no automatic monthly transfer of $25 or more from checking $5

Withdrawals Excess Withdrawal Fee 3 or fewer per month None More than 3 per month and minimum daily balance less than $2,500 $3 per withdrawal More than 3 per month and minimum daily balance is at least $2,500 None

Interest rates

Interest is compounded monthly and paid monthly.

Regular Savings Account Interest Rates	Interest Rate	APY *
All Balances	0.01%	0.01%

Open a savings account now

^* Annual Percentage Yield (APY) is accurate as of 05/19/2013. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Minimum opening balance is $25.

Important Notice: Federal regulation and our deposit agreement limit the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, pre-authorized transfer, debit card. You are limited to six withdrawals and/or transfers from your savings account each monthly statement cycle by pre-authorized transfer, or telephone/PC transfer (including bill payments). And, if the account permits transfers by debit card, no more than three of the six limited transfers may be by check or debit card.

Online Banking

• Electronic statements available
• View your regular savings account activity virtually anytime with Online Banking service
• Make same-day transfers between accounts ^{Footnote 1}

View the Online Banking demo

Enroll in Online Banking

Other Regular Savings Account Services

• Make transfers to manage unexpected expenses
• Set up automatic recurring transfers to make saving easier
• Name your account(s) to organize your savings efforts
• Use your savings account balance to provide overdraft protection ^{Footnote 2} for your checking account

ATMs & Banking Centers

• Convenient access to thousands of Bank of America ATMs and Banking Centers coast to coast, so there's bound to be one near you.

Open a savings account now

Footnote ¹Transfers you submit to your checking or savings account or another Bank of America customer's checking or savings account before the daily cut-off time of 10:45 p.m. Eastern Time on any day will be credited to the account on the same day.

Footnote ²Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details.