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Checking Accounts

Bank of America checking accounts.
Convenience and peace of mind.

Deposits by phone

With just your smartphone or tablet and our Mobile Banking App, you can securely deposit a check without a trip to an ATM or banking center. Take a snapshot of your check, choose your savings or checking account, enter the amount and send. It’s that easy.Footnote2

Bank on your schedule

Make banking the easiest part of your day. Check balances, pay bills or transfer moneyFootnote3 almost anytime, anywhere with our Online, MobileFootnote1 and Text Banking.Footnote4

Secure and protected

Security is our first priority. Our fraud prevention and security systems help protect your money and your identity with the latest encryption technology. All consumer debit cards come with our $0 Liability Guarantee.Footnote5

Compare Checking Accounts

Comparison of Bank of America personal checking accounts and features
checking features

MyAccess® Checking

Open nowMyAccess Checking Account

Bank of America Interest Checking™

Open nowBank of America Interest Checking Account
Good for you if You use direct deposit and are looking for a simple, straightforward personal checking account You keep high balances and want multiple interest accounts with complimentary services
Monthly maintenance fee No monthly maintenance fee when you meet one of the following requirements each statement cycle:

Have at least one qualifying direct deposit of $250 or more




Maintain an average daily balance of $1,500 or more


Otherwise, $12 monthly maintenance fee


Students under age 23 are eligible for waiver.Footnote6

No Monthly Maintenance fee when you maintain combined balances of $10,000 or more each statement cycle. Combined balances include:


Average daily balances for the statement cycle in eligible linked checking, savings and money market savings accounts, AND


The current balances, as of the end of the checking statement cycle in linked personal CDs and IRAs, AND


The current balance, as of two business days before the end of the checking statement cycle, in your eligible linked Merrill Edge and Merrill Lynch investment accounts.


Otherwise, $25 monthly maintenance fee

Fees and Policies View Checking Clarity Statement™ for key fees and policies in an easy-to-read document View Checking Clarity Statement™ for key fees and policies in an easy-to-read document
Low opening deposit yes-check
3 additional interest checking accounts and 4 savings accounts with no monthly maintenance fee yes-check
Earn interest on your balance yes-check
No fees for money orders (where available) and cashier's checks yes-check
No fee for overdraft protection transfers from a linked deposit account yes-check
Additional features Get Online Banking and Mobile BankingFootnote1 for secure access to your accounts wherever you are

Access to thousands of Bank of America ATMs

Add a savings account with the Keep the Change® savings program

Customize your checks and debit cards with our MyExpression® designs

Learn more about MyAccess Checking Learn more about Bank of America Interest Checking

MyAccess® Checking

Open nowMyAccess Checking Account

Bank of America Interest Checking™

Open nowBank of America Interest Checking Account

Adding an IRA Account

Online, IRA Accounts may only be opened one-at-a-time. If you continue, we will remove the IRA and add this item to your application.

Choosing "Cancel" will leave your application with its current selections.

Need extra help spending only what's in your account?

Consider an alternative that helps you avoid overdrafts.

Features for all checking accounts

  • Debit Card 

    Debit cards

    Get cash or make purchases at millions of locations with the Bank of America debit card, or get a specialty debit card and choose from charitable causes, sports and more.

  • Alerts

    Online Banking Alerts

    Choose from email, textfootnote7 or Mobile App alerts to help you stay on top of your accounts.

  • eBills


    With eBills from Bank of America, your bills come right to your email inbox.

  • Mobile Banking

    Mobile Banking

    Deposit checks, check balances, pay bills, transfer money and locate ATMs and banking centers on the go.

  • Paperless statements

    Paperless statements

    Get your statements and documents faster and reduce clutter by receiving your monthly statements online.


  • Transfers


    Securely transfer money between your accounts — or to others — using Online Banking or the Mobile Banking App.footnote8

  • Direct Deposit

    Direct deposit

    Recurring deposits are handled quickly and easily without you ever having to visit a bank.

Checking Clarity Statement™

Easy-to-read document outlining key fees and policies of your checking account.

Small Business Owner?

We have options just for you.