If life changes, you can always switch your setting later — without opening a new checking account.
Bank of America Advantage Banking
Choose your setting
Welcome to the future of banking
A lifetime of changes. Just one checking account.
Get startedWhat's the advantage?
Customize your account to fit your needs and experience our full scope of services
Customize your account to fit your needs and experience our full scope of services
Customize your account to fit your needs and experience our full scope of services
Easy, anytime access
Easy, anytime access
Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, your virtual banking assistant.
Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, your virtual banking assistant.
Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, your virtual banking assistant.
Convenient ways to pay
24/7 security
Use your debit card, a digital wallet, or pay friends securely with Zelle® right from your phone.
Total Security Protection® and fraud monitoring. Safer sign-in, card locking features and more.
Total Security Protection® and fraud monitoring. Safer sign-in, card locking features and more.
24/7 security
Convenient ways to pay
Total Security Protection® and fraud monitoring. Safer sign-in, card locking features and more.
Use your debit card, a digital wallet, or pay friends securely with Zelle® right from your phone.
Use your debit card, a digital wallet, or pay friends securely with Zelle® right from your phone.
Smart money management tools
Smart money management tools
Set custom alerts and savings goals. Get cash back deals and rewards customized for you.
Set custom alerts and savings goals. Get cash back deals and rewards customized for you.
Set custom alerts and savings goals. Get cash back deals and rewards customized for you.
Here's how it works
Bank of America Advantage Banking is a checking account layer with 3 settings. Pick the 1 that works.
If life changes, just switch it up.
What is a checking account?
A checking account is a type of deposit account that enables you to deposit and withdraw available funds on demand, typically by writing a check or using a debit card. Checking accounts are sometimes interest-bearing.
Advantage SafeBalance
Checkless banking that helps you stay within your balance
Advantage Plus
Everyday banking with more ways to waive the monthly fee
Advantage Relationship
Perks for higher balances, like fee waivers and interest
Bank of America Advantage SafeBalance Banking®
Checkless banking that helps you stay within your balance
$XXXX or $0 monthly fee
We'll waive the monthly maintenance fee each statement cycle that you are enrolled in Preferred Rewards.
Students under 24 who are enrolled in school may also qualify for a waiver.
You can always refer to our clarity statement if you have questions about your account.
Preferred Rewards
Enroll to get more rewards with your everyday banking. Benefits grow as your qualifying balances increase. Learn more about Preferred Rewards
Not sure if SafeBalance is right for you? Answer 4 questions to help find your fit
Bank of America Advantage SafeBalance Banking®
Checkless banking that helps you stay within your balance
$XXXX or $0 monthly fee
We'll waive the monthly maintenance fee each statement cycle that you are enrolled in Preferred Rewards.
Students under 24 who are enrolled in school may also qualify for a waiver.
You can always refer to our clarity statement if you have questions about your account.
Preferred Rewards
Enroll to get more rewards with your everyday banking. Benefits grow as your qualifying balances increase. Learn more about Preferred Rewards
Bank of America Advantage Plus Banking®
Everyday banking with more ways to waive the monthly fee
$XXXX or $0 monthly fee
We'll waive the monthly maintenance fee each statement cycle that you:
- Have at least one qualifying direct deposit of $XXXX+
- Maintain a $XXXX minimum daily balance
- Are enrolled in Preferred Rewards
OR
OR
Students under 24 who are enrolled in school may also qualify for a waiver.
You can always refer to our clarity statement if you have questions about your account.
Preferred Rewards
Enroll to get more rewards with your everyday banking. Benefits grow as your qualifying balances increase. Learn more about Preferred Rewards
Not sure if Plus is right for you? Answer 4 questions to help find your fit
Bank of America Advantage Plus Banking®
Everyday banking with more ways to waive the monthly fee
$XXXX or $0 monthly fee
We'll waive the monthly maintenance fee each statement cycle that you:
- Have at least one qualifying direct deposit of $XXXX+
- Maintain a $XXXX minimum daily balance
- Are enrolled in Preferred Rewards
OR
OR
Students under 24 who are enrolled in school may also qualify for a waiver.
You can always refer to our clarity statement if you have questions about your account.
Preferred Rewards
Enroll to get more rewards with your everyday banking. Benefits grow as your qualifying balances increase. Learn more about Preferred Rewards
Bank of America Advantage Relationship Banking®
Perks for higher balances, like fee waivers and interest
- Earn interest on your balance see rates
- Get fee waivers on select services including:
- Additional checking or savings accounts
- Incoming domestic wires
- Standard check purchases - Add optional Overdraft Protection
$XXXX or $0 monthly fee
We'll waive the monthly maintenance fee each statement cycle that you:
- Maintain a combined balance of $XXXX in eligible linked accounts. Learn about combined balances
- Are enrolled in Preferred Rewards
OR
You can always refer to our clarity statement if you have questions about your account.
Preferred Rewards
Enroll to get more rewards with your everyday banking. Benefits grow as your qualifying balances increase. Learn more about Preferred Rewards
Not sure if Relationship is right for you? Answer 4 questions to help find your fit
Bank of America Advantage Relationship Banking®
Perks for higher balances, like fee waivers and interest
- Earn interest on your balance see rates
- Get fee waivers on select services including:
- Additional checking or savings accounts
- Incoming domestic wires
- Standard check purchases - Add optional Overdraft Protection
$XXXX or $0 monthly fee
We'll waive the monthly maintenance fee each statement cycle that you:
- Maintain a combined balance of $XXXX in eligible linked accounts. Learn about combined balances
- Are enrolled in Preferred Rewards
OR
You can always refer to our clarity statement if you have questions about your account.
Preferred Rewards
Enroll to get more rewards with your everyday banking. Benefits grow as your qualifying balances increase. Learn more about Preferred Rewards
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| Monthly maintenance fee | ||||||||
|---|---|---|---|---|---|---|---|---|
$XXXX or $0 | $XXXX or $0 | $XXXX or $0 | ||||||
| Ways to avoid the monthly maintenance fee each statement cycle | ||||||||
Be enrolled in Preferred Rewards | Have at least one qualifying direct deposit of $XXXX+ Maintain a $XXXX minimum daily balance Be enrolled in Preferred Rewards | Maintain a combined balance of $XXXX or more in eligible linked accounts. Learn about combined balances Be enrolled in Preferred Rewards | ||||||
| Ways to pay | ||||||||
Debit chip card Zelle® Digital Wallet No paper checks | Debit chip card Zelle® Digital Wallet Paper checks (if purchased) | Debit chip card Zelle® Digital Wallet Paper checks (if purchased) | ||||||
| Overdraft options and fees | ||||||||
| What happens if I don't have enough money to cover a transaction? | ||||||||
Transactions will be declined or returned unpaid when you have insufficient funds. | ||||||||
| Can I enroll in Overdraft Protection? | ||||||||
No Overdraft Protection is not available for this account setting. | Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance. Fees may apply. | Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance. Fees may apply. | ||||||
| Overdraft Item fee | ||||||||
N/A There are no bank fees for overdraft items. | $35.00 Applies to each item that we pay into overdraft. | $35.00 Applies to each item that we pay into overdraft. | ||||||
| Non-Sufficent Funds (NSF): Returned Item fee | ||||||||
N/A There are no bank fees for returned items. | $35.00 Applies to each item that we decline or return unpaid. | $35.00 Applies to each item that we decline or return unpaid. | ||||||
| Minimum opening deposit | ||||||||
$XXXX | $XXXX | $XXXX | ||||||
| APY (Annual Percentage Yield) | ||||||||
N/A | N/A | |||||||
| Refer to the Advantage Banking Clarity Statement for more details | ||||||||
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Here's what you'll get with each account setting
Fraud protection
Mobile deposits
Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app. Don't worry: Check images are stored securely at the bank and never on your device.
Better budgeting
Debit card controls
Lock a missing card quickly and easily to prevent unauthorized use. Need your new card fast? Request a digital card through our mobile app. Cards can be added to a digital wallet for use at stores, cardless ATMs and more.
Custom alerts
Here's what you'll get with each account setting
The student advantage
We remember what it's like just starting out. That's why we waive our monthly maintenance fee for qualifying students.
Student waivers for Advantage SafeBalance and Advantage Plus
Students under age 24 are eligible for a waiver of the monthly maintenance fee for the Advantage SafeBalance and the Advantage Plus setting while enrolled in a high school, college, university or vocational program.
Please refer to your Personal Schedule of Fees for details.
Looking for more?
Top Checking FAQs
How can I open a checking account with Bank of America? How do I enroll in Online Banking? How do I find my checking account number?
How can I open a checking account with Bank of America?
You can apply online for a checking account, savings account, CD or IRA. Simply select an account, enter your personal information, verify your information and choose features & funding options. You will receive an email once your application is received and a follow-up email telling you whether it has been approved, plus any next steps.
How do I enroll in Online Banking?
Online Banking enrollment is easy—and takes just a few minutes. Enroll now in Online Banking.
How do I find my checking account number?
Sign in to Online Banking and select your account from the Accounts Overview page, then go to the Information & Services tab. Your account number can be displayed by clicking the Show link in the Account Details section.
Let's get started
Change your mind? No problem. Call us or come in to switch settings.
Compare Settings
| Bank of America Advantage SafeBalance Banking® | Bank of America Advantage Plus Banking® | Bank of America Advantage Relationship Banking® |
|---|---|---|
| Open now | Open now | Open now |
| Minimum opening deposit | ||
$XXXX | $XXXX | $XXXX |
| Monthly maintenance fee | ||
$XXXX | $XXXX | $XXXX |
| Ways to avoid the monthly maintenance fee each statement cycle | ||
Be enrolled in Preferred Rewards Students under age 24 may be eligible for a monthly maintenance fee waiver while enrolled in school. | Have at least one qualifying direct deposit of $XXXX+ Maintain a $XXXX minimum daily balance Be enrolled in Preferred Rewards Students under age 24 may be eligible for a monthly maintenance fee waiver while enrolled in school. | Maintain a combined balance of $XXXX or more in eligible linked accounts. Learn about combined balances Be enrolled in Preferred Rewards |
| Ways to pay | ||
Debit chip card Zelle® Digital Wallet No paper checks | Debit chip card Zelle® Digital Wallet Paper checks (if purchased) | Debit chip card Zelle® Digital Wallet Paper checks (if purchased) |
| APY (Annual Percentage Yield) | ||
N/A | N/A | Balances = % Balances = % Balances = % |
| Overdraft options and fees | ||
| What happens if I don't have enough money to cover a transaction? | ||
Transactions will be declined or returned unpaid when you have insufficient funds. | At account opening, choose an overdraft setting. This determines how we handle transactions when you have insufficient funds. | At account opening, choose an overdraft setting. This determines how we handle transactions when you have insufficient funds. |
| Can I enroll in Overdraft Protection? | ||
No Overdraft Protection is not available for this account setting. | Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance. Fees may apply. | Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance. Fees may apply. |
| Overdraft Item fee | ||
N/A There are no bank fees for overdraft items. | $35 Applies to each item that we pay into overdraft. | $35 Applies to each item that we pay into overdraft. |
| Non-Sufficent Funds (NSF): Returned Item fee | ||
N/A There are no bank fees for returned items. | $35 Applies to each item that we decline or return unpaid. | $35 Applies to each item that we decline or return unpaid. |
| Refer to the Advantage Banking Clarity Statement for more details | ||
| Bank of America Advantage SafeBalance Banking® | Bank of America Advantage Plus Banking® | Bank of America Advantage Relationship Banking® |
| Open now | Open now | Open now |
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- Phone number:844.375.7028