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Bank of America Core Checking® Account

Convenient access to your personal checking account wherever, however you want.

  • No monthly maintenance fee when you meet one of the following requirements each monthly statement cycle:
    • Have at least one qualifying direct deposit of $250 or more; or
    • Maintain an average daily balance of $1,500 or more; or
    • When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts)
    Otherwise, $12 monthly maintenance fee.
  • Students under age 23 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.Footnote 1
  • Teller access
  • Optional Regular Savings AccountFootnote 2
  • Online, MobileFootnote 3 and TextFootnote 4 banking
    • Online Bill Pay
    • Payment Reminders
    • Customizable alertsFootnote 5
  • Debit card with $0 Liability GuaranteeFootnote 6 and new chip technology
  • Keep the Change® savings programFootnote 7 where everyday purchases add up to savings
  • Optional Overdraft Protection to help avoid overdraft fees and declined debit card transactionsFootnote 8
  • Affinity Banking to show support for a cause, school, organization or team

Checking Clarity Statement®

Access straightforward information about the most common checking fees and policies, such as ATM and Overdraft fees, in an easy-to-read document. View Checking Clarity Statement® »

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 each monthly statement cycle

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

    OR
  • When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts)

Otherwise, $12 monthly maintenance fee.

Students under age 23 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.Footnote 1

See the full Personal Schedule of Fees

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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.

Checking Clarity Statement®

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