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Checking Accounts

I want to keep it simple

Bank of America Core Checking®

Help get the peace of mind that comes from a low monthly maintenance fee and no overdraft fees.
I want more

Bank of America Interest Checking®

For those who keep high balances and want multiple interest-earning accounts with complimentary services.

Learn more about eligibility

Students under age 24 are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university or vocational program. Please refer to your Personal Schedule of Fees for details.

Not sure? Compare checking accounts

Small business owners, search checking options for your business

Comparison of Accounts

Bank of America Core Checking®

Bank of America Interest Checking®

Monthly maintenance fee waived for students under the age of 24
This feature is supported
This feature is not available for Bank of America Core Checking®
Access to thousands of Bank of America ATMs and financial centers
This feature is supported
This feature is supported
Additional checking or savings accounts with no monthly maintenance fee
This feature is not available for Bank of America Core Checking®
This feature is supported
No fee Overdraft Protection transfers from an eligible linked Bank of America deposit account
This feature is not available for Bank of America Core Checking®
This feature is supported
Earns interest
This feature is not available for Bank of America Core Checking®
This feature is supported
No fee for incoming domestic wire transfers
This feature is not available for Bank of America Core Checking®
This feature is supported
Minimum opening deposit
For Bank of America Core Checking®, $XXXX
For Bank of America Interest Checking®, $XXXX

Fees

No monthly maintenance fee for each statement cycle that you:
Have at least one qualifying direct deposit of $XXXX or more
or
Maintain a minimum daily balance of $XXXX or more
Students under age 24 are eligible to have this fee waived while enrolled in high school, college, university or a vocational program.

Or pay $XXXX/month

Preferred Rewards clients get this fee waived

Maintain a combined balance of at least $XXXX or more each statement cycle. Combined balances include:

The average daily balance in eligible linked checking and savings accounts for the statement cycle
and
The current balances in linked personal CDs and IRAs at the end of the Interest Checking statement cycle
and
The current balance (2 business days before the end of the Interest Checking statement cycle) in your eligible linked Merrill Edge® and Merrill Lynch® investment accounts

Or pay $XXXX/month

Preferred Rewards clients get this fee waived

For more information

Learn more about rates

Rates

AmountInterest RateAPY

Other types of accounts

SafeBalance Banking®

Get help avoiding overdraft fees by spending only what's in your account.

Small business owner?

Bank of America business checking solutions are designed to fit a variety of businesses and come with all the features your active business needs.
All checking accounts come with:
Total Security Package®
The debit card for your checking account comes with our Total Security Protection® package—including our $0 Liability Guarantee (fraudulent charges are credited back to your account as soon as the next business day) and fraud monitoring (we monitor how and where your card is being used). Plus, you can add your photo on your card to help protect you if it’s lost or stolen.

Why choose Bank of America

Why choose Bank of America

Earn more. Save more.

Get cash back with BankAmeriDeals® or round up the savings with Keep the Change®

Preferred Rewards

Get more rewards with your everyday banking

Unlimited access

Access to our network of financial centers, ATMs, and Online, Mobile and Text Banking

Looking for more information about checking accounts?
We're here to help. Find out more about what matters most to you.
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