Solutions for Students

The Solutions for Students is your source for convenient student banking. Are you over 18 years old? Open your account online in minutes.

What you get:

• eBanking ^{Footnote 1} with no minimum balance requirements
• Bank of America Debit Card with Total Security Protection^® package including the Photo Security^® feature
• Free Online Banking Service with Mobile Banking
  • Check your accounts from your cell phone with Mobile Banking ^{Footnote 2}
  • Money management and budgeting tools
  • Online paperless statements and unlimited bill pay
  • Sign up for text and email alerts to notify you of important account activity ^{Footnote 3}
• Savings Account with Keep the Change^{® Footnote 4}
  • Keep the Change^® is an easy way to save. We round up your Debit Card purchases to the next dollar and transfer the difference from your checking to your savings account
• First Overdraft Fee refunded, upon request
• Financial Education tools

  Student Financial Handbook

  Ultimate Money Skills

• Convenient access to 18,000+ ATMs, all with no ATM fees, and 5,700 banking centers coast to coast

There's more great stuff:

• Apply for a Bank of America^® Student Platinum Plus^® Visa^® Credit card with 4 years of free Identity Theft Protection ^{Footnote 5} - Learn about Student Platinum Plus^® Visa^®
• Enroll in Add It Up^{™ Footnote 6} so you can earn up to 20% cash back on top of retailers' discounts - Learn more about Add It Up^™
• Get a custom debit card to show your passion with MyExpression^® Checking

Open now

Footnote ¹ To take advantage of this online offer, use offer code "CAMPUS" when you apply for eBanking and Regular Savings. You will be enrolled in Keep the Change^® and Online Banking service.

Footnote ² Check with your wireless carrier for fees that may apply. Mobile Banking available to Online Banking enrollees only.

Footnote ³ Alerts received as text messages on your mobile access device may incur a charge from your mobile carrier. eAlerts and text alerts are not available for accounts in WA and ID.

Footnote ⁴ Keep the Change^® Patent Pending. Keep the Change^® is available only on personal debit cards linked to your Bank of America checking account. Keep the Change is available to both new and existing customers.

Footnote ⁵ For information about the rates, fees, other costs and benefits associated with the use of the Student Visa card, Learn more about Bank of America^® Student Platinum Plus^® Visa^® Credit Card. Click here to learn more and refer to the disclosures accompanying the online credit card application. Free Identity Theft Protection service will continue for 4 years from enrollment. Notification will be sent prior to expiration. Cancel your membership at anytime. Service will be automatically canceled if the credit card account is closed. This credit card program is issued and administered by FIA Card Services, N.A.

Footnote ⁶ Participating retailers and offers are subject to change. You must have either a Bank of America debit card or consumer credit card and be enrolled in Online Banking to be eligible for participation in the program. Redemption of accrued cash back rebates occurs in accordance with program Terms and Conditions, generally monthly when a minimum of $5.00 cash back has been earned. Program is not available to Online Banking customers in WA or ID and select military bank customers. Select MyExpressions^® credit cards, co-branded debit cards, Business credit cards and other accounts are not eligible for participation in the program. Additional restrictions apply. For complete program Terms and Conditions, visit www.bankofamerica.com/additup.

Monthly maintenance fee	Balance requirement
$8.95 Footnote *	$0

Footnote^* No monthly maintenance fee when you choose online paperless statements and make your deposits and withdrawals online or by ATM, without a teller, otherwise the fee is $8.95 per month.

Avoid the Monthly Maintenance Fee Monthly Maintenance Fee Deposits Use direct deposit (have your paycheck deposited electronically) or a Bank of America ATM Use a teller or another bank representative to help you with the transaction or use the drive thru, lobby deposit box or night deposit box for the deposit Withdrawals Use an ATM or get cash back when you use your debit card for a purchase Use a teller or another bank representative to help you with the transaction Statements Get your paperless account statement electronically through Online Banking Get paper statements

eBanking is a non-interest bearing account

Detailed rates and fees

Addendum to Personal Schedule of Fees

Regular Savings

Your savings account is free of monthly maintenance fees when you also enroll in Keep the Change^®.

Interest rates

Interest is compounded daily and paid monthly.

Regular Savings Interest Rate APY* All Balances 0.10 0.10 Footnote * Annual Percentage Yield (APY) is accurate as of 09/01/2010. 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, check or 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 check or debit card, no more than three of the six limited transfers may be by check or debit card.

Open now

To take advantage of this online offer, use offer code "CAMPUS" when you apply for eBanking and Regular Savings. You will be enrolled in Keep the Change^® and Online Banking service.

Open Online Now

Opening the Solutions for Students online is secure, fast and easy:

• First, gather what you will need to open the account
• Select your account, enter your personal information and choose a Learn more aboutfunding options. Link opens in a new Window.
• After you complete the application, you will receive an email letting you know whether your application has been approved and any next steps you need to take

For your protection, your account documents and your Debit Card or ATM card will be delivered separately.

Open the Solutions for Students now