We take your privacy and security seriously. That's why we may ask to see you at a financial center to verify two forms of ID.
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Bank of America 
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Applying for today
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Bank of America
Advantage Relationship Banking®
Offer applied
About Advantage Relationship:
- Earns interest
- No monthly maintenance fee on select additional consumer checking or savings accounts you ownFootnote1
- No fees on select banking servicesFootnote2
$25 or $0 monthly maintenance fee
We’ll waive the $25 monthly maintenance fee each statement cycle when you meet one of the following:
- Maintain a minimum daily balance of $20,000 or more in your account, OR
- An owner of this account is a member of the Preferred Rewards programFootnote3
Effective on or about May 26, 2026, the Preferred Rewards program will become BofA Rewards, and an account owner will need to be enrolled in BofA Rewards and qualify for the Preferred Plus, Preferred Honors, or Premier tiers to waive their monthly maintenance fee. For more information about BofA Rewards program eligibility, review the Preferred Rewards section of the Personal Schedule of Fees and for a summary of new BofA Rewards benefits, refer to: bankofamerica.com/BofARewards
To view fees, see the Personal Schedule of Fees. You can also refer to our Clarity Statement or Deposit Agreement and Disclosures for additional information.
Footnote1. Bank of America Advantage Relationship Banking® and fiduciary accounts, including trust and estate accounts, do not qualify for the Advantage Relationship Banking additional account benefit to waive the monthly maintenance fee.
Footnote2. No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the Personal Schedule of Fees for details.
Footnote3. For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond Honors tier. For Preferred Rewards program eligibility requirements, go to Preferred Rewards.
Offers applied
Add a savings account?
You can save time when you bundle your application.
Bank of America
Advantage Savings
About Advantage Savings:
- Interest-bearing account
- We’ll waive the $8 monthly maintenance fee for the first 6 months.Footnote1 This allows you time to grow your savings balance, which may help you meet the requirements to continue waiving the fee.
- A great start for students and young adults — no monthly maintenance fee if under age 25Footnote2
- Easy access to funds when needed
$8 or $0 monthly maintenance fee
We’ll waive the $8 monthly maintenance fee each statement cycle when you meet one of the following:
- You maintain a minimum daily balance of $500 or more in your account, OR
- Own a Bank of America Advantage Relationship Banking® accountFootnote2, OR
- An account owner is under the age of 25Footnote2, OR
- An account owner is a member of the Preferred Rewards programFootnote3.
Effective on or about May 26, 2026, the Preferred Rewards program will become BofA Rewards, and an account owner will need to be enrolled in BofA Rewards and qualify for the Preferred Plus, Preferred Honors, or Premier tiers to waive their monthly maintenance fee. For more information about BofA Rewards program eligibility, review the Preferred Rewards section of the Personal Schedule of Fees and for a summary of new BofA Rewards benefits, refer to: bankofamerica.com/BofARewards
To view fees, see the Personal Schedule of Fees. You can also refer to our Clarity Statement or Deposit Agreement and Disclosures for additional information.
Footnote1. For new Bank of America Advantage Savings accounts, we will waive the monthly maintenance fee for six months from account opening. This waiver does not apply if your account has been converted or changed to a Bank of America Advantage Savings account.
Footnote2. Fiduciary accounts, including trust and estate accounts, do not qualify for the Advantage Relationship Banking additional account benefit or the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the Personal Schedule of Fees. for more information.
Footnote3. For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond Honors tier. For Preferred Rewards program eligibility requirements, go to Preferred Rewards.
You've added a savings account
What you'll need to apply
Checking or savings accounts
- Name, date of birth, government-issued ID.
- Phone number and email address.
- Physical U.S. address (no PO boxes).
- A co-applicant 18 or older (if any applicant is under age 18).
Depending on various factors, we may also ask for a U.S. driver's license or state ID card during your application.
If a U.S. citizen is applying with a person who has resident alien status, begin the application with the U.S. citizen's information. Add the resident alien as the co-applicant.
Verifying your identity
If we can't verify your identity online, we'll need to see two forms of ID later at a financial center to open an account. Examples of when this may happen:
- You've had issues with your checking history.
- You have limited credit/work history in the U.S.
- You (or your co-applicant) are under age 16.
Prefer to apply at a financial center? Schedule an appointment.
Funding the account
At the end of this application, we'll ask you to add money to your new account with a debit card from another bank.
Don't have another debit card? You can add money later at an ATM or in our mobile app.
Helping you stay protected with ID verification
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For checking and saving accounts, we need the ZIP code for your home address so that we can give you interest rate information for your location.
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