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Bank of America Interest Checking® Account

Overview

Additional checking or savings accounts with no monthly maintenance feeFootnote1

An additional 3 Bank of America Interest Checking® accounts and up to 4 savings accounts linked to your primary Interest Checking account.

Earns interest

Get more out of your everyday banking with an interest-earning account.

No-fee services

Enjoy no-fee services like standard checks, incoming domestic wires and no fee for Overdraft Protection transfers from a linked deposit account.Footnote2

Bank of America Preferred Rewards

Preferred Rewards clients pay no monthly maintenance fees on up to 4 checking accounts, plus no fee for standard check orders, cashier's checks, stop payments and more.Footnote3

Learn more about Preferred Rewards
  • Fees & Rates

    Monthly Fee
    • No maintenance fee if you maintain a combined balance of at least or more each statement cycle. Combined balances include:
    • The average daily balance in eligible linked checking, savings and money market 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
    • Preferred Rewards clients get this fee waived
    • Or pay /month
    Required Opening Deposit
    ATM Fees
    • No fee
      at thousands of Bank of America ATMs
    • /transaction
      Non-Bank of America ATMs in the U.S.
    • /transaction
      Non-Bank of America ATMs outside the U.S.

    Rates

    Amount Interest Rate APYFootnote4

    We're committed to making your experience with us as easy to understand as possible. View the Bank of America Interest Checking Clarity Statement®

Fees & Rates

Monthly Fee Required Opening Deposit ATM Fees
  • No maintenance fee if you maintain a combined balance of at least or more each statement cycle. Combined balances include:
  • The average daily balance in eligible linked checking, savings and money market 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
  • Preferred Rewards clients get this fee waived
  • Or pay /month
  • No fee
    at thousands of Bank of America ATMs
  • /transaction
    Non-Bank of America ATMs in the U.S.
  • /transaction
    Non-Bank of America ATMs outside the U.S.

View a complete list of fees

Rates

Amount Interest Rate Annual Percentage Yield (APY)Footnote4

We're committed to making your experience with us as easy to understand as possible. View the Bank of America Interest Checking Clarity Statement®

Features

Cash back deals with BankAmeriDeals®Footnote5

With BankAmeriDeals, you choose the cash back deals you want right in your Online or Mobile Banking. Pay for your purchases with a Bank of America® debit or credit card and the cash back you earn is automatically credited to your account by the end of the next month. It's that simple.

Build your savings automatically with our Keep the Change® savings programFootnote6

Make everyday purchases with your Bank of America debit card and we'll round up your purchase to the nearest dollar amount. Then we'll transfer the difference from your checking account to your savings account.

  • Features

    Cash back deals with BankAmeriDeals®Footnote5

    With BankAmeriDeals, you choose the cash back deals you want right in your Online or Mobile Banking. Pay for your purchases with a Bank of America® debit or credit card and the cash back you earn is automatically credited to your account by the end of the next month. It's that simple.

    Build your savings automatically with our Keep the Change® savings programFootnote6

    Make everyday purchases with your Bank of America debit card and we'll round up your purchase to the nearest dollar amount. Then we'll transfer the difference from your checking account to your savings account.

  • Security & Benefits

    Fraud monitoring

    Fraud monitoring reviews how and where your card is being used and is designed to help block potential fraud if abnormal patterns are detected.

    Photo Security®

    Placing your photo on the front of your eligible Bank of America personal debit card can help prevent fraud if your card is lost or stolen.

    Debit lock/unlockFootnote7

    Misplaced your debit card and need time to find it? Now you can temporarily lock your debit card right from your Mobile Banking appFootnote8 or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, unlocking your debit card is just as easy.

    $0 Liability GuaranteeFootnote9

    $0 Liability Guarantee will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen.

    Mobile check deposit

    Deposit a check using the camera on your smartphone or tablet and the Mobile Banking app.Footnote10 Snap a picture of the front and back of the check, choose your account and amount and send. For your protection, check images are stored securely at the bank and never on your device.

    Chip technologyFootnote11

    Your debit card comes with chip technology which provides enhanced security and protection when making transactions at terminals and ATMs that are chip enabled.View Chip Card FAQs

    TransfersFootnote12

    At Bank of America, you have more options to send money where you need to. Make real-time transfers between your accounts, or securely send money to a person simply using their mobile number or email address.Footnote13

    AlertsFootnote14

    With Bank of America alerts, you can choose to be notified about a change to your account that's important to you. From monitoring your balance, to tracking a deposit, to paying a bill, just choose when and how you want to be notified.

Security & Benefits

Fraud monitoring

Fraud monitoring reviews how and where your card is being used and is designed to help block potential fraud if abnormal patterns are detected.

Mobile check deposit

Deposit a check using the camera on your smartphone or tablet and the Mobile Banking app.Footnote10 Snap a picture of the front and back of the check, choose your account and amount and send. For your protection, check images are stored securely at the bank and never on your device.

Photo Security®

Placing your photo on the front of your eligible Bank of America personal debit card can help prevent fraud if your card is lost or stolen.

Chip technologyFootnote11

Your debit card comes with chip technology which provides enhanced security and protection when making transactions at terminals and ATMs that are chip enabled.View Chip Card FAQs

Debit lock/unlockFootnote7

Misplaced your debit card and need time to find it? Now you can temporarily lock your debit card right from your Mobile Banking appFootnote8 or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, unlocking your debit card is just as easy.

TransfersFootnote12

At Bank of America, you have more options to send money where you need to. Make real-time transfers between your accounts, or securely send money to a person simply using their mobile number or email address.Footnote13

$0 Liability GuaranteeFootnote9

$0 Liability Guarantee will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen.

AlertsFootnote14

With Bank of America alerts, you can choose to be notified about a change to your account that's important to you. From monitoring your balance, to tracking a deposit, to paying a bill, just choose when and how you want to be notified.
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