The checking account that suits a student's on-the-go lifestyle
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
Convenient access to thousands of Bank of America ATMs and Banking Centers
Footnote 1 The monthly maintenance fee for a Regular Savings account is waived for the first two statement cycles. Avoid monthly maintenance fees after the introductory period with a scheduled recurring transfer each month from a Bank of America checking account to the savings account of $25 or more or a minimum daily balance of $300 or greater in Regular Savings. Transaction limits and excess withdrawal fees still apply.
Footnote 3 You must first enroll in Online Banking, and set up Transfers and Bill Pay. Wireless carrier fees may apply.
Footnote 4 To view accounts from another financial institution, you must have online access set up with that institution.
No monthly maintenance fee when you choose paperless statements and make your deposits and withdrawals online or by ATM, without a teller, otherwise the fee is $8.95 per month
Additional information for the eBanking account
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.
Note: Your account will automatically be set to the Standard Overdraft Setting. This means we will only authorize ATM transactions and everyday (non-recurring) debit card purchases when there's enough money in your checking or linked Overdraft Protection account. Otherwise, the transaction will be declined, so you won't pay an Overdraft Item Fee. There is an exception for some ATM withdrawals: We may give you the opportunity at our ATMs to agree to our ATM overdraft services for a specific ATM withdrawal that exceeds your current available balance and if you agree, we authorize and pay that ATM withdrawal. Each time you agree, your consent applies only to that withdrawal. Please note: Overdraft Item fees may apply to these withdrawals. We inform you at the ATM when this is available.
Checks, online bill payments, recurring debit card payments and other electronic payments using your checking account number may be approved and you would pay a $35 Overdraft Item Fee for each transaction, or your transaction may be declined and you would pay a $35 NSF: Returned Item Fee for each transaction. If declined, recurring debit card transactions are not charged a fee.
$35
When we determine that your account is overdrawn after we finish processing for the day, and we pay for the transaction or transactions, we charge an Overdraft Item Fee of $35.00 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 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.
Stop Payment fee
$30.00 each request or renewal
Non-Bank of America ATM fee in the United States Footnote 1
$2.00 per withdrawal, transfer, or balance inquiry
Non-Bank of America ATM fee in a foreign country Footnote 1
$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 charge a fee for a balance inquiry even if you do not complete a funds transfer.
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.
