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Bank of America Core Checking® Account


Monthly maintenance fee waived for students

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

Convenient access anytime, almost anywhere

Use Online, Mobile and Text Banking to track purchases, transfer money, pay bills and more. Or visit us at one of the thousands of ATMs and financial centers across the country.

Overdraft Protection available

Help avoid declined debit card transactions and automatically transfer funds from your eligible linked Bank of America deposit account. Fees may apply.

Additional debit card security

Get added security with chip technology that helps protect your information when used at a chip-enabled terminal. Plus, you're covered with a $0 Liability Guarantee to help protect you if your card is lost or stolen.

Fees & Rates

Monthly FeeRequired Opening DepositATM 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.
  • Preferred Rewards clients get this fee waived.
  • Or pay $XXXX/month
  • $XXXX
  • No fee
    At thousands of Bank of America ATMs
  • $XXXX/transaction
    Non-Bank of America ATMs within the U.S.
  • $XXXX/transaction
    Non-Bank of America ATMs outside the U.S.

View a complete list of fees

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


Cash back deals with BankAmeriDeals®

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 program

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.

Mobile check deposit

Deposit a check using the camera on your smartphone or tablet and the Mobile Banking app. 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 technology

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/unlock

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


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.

$0 Liability Guarantee

$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.


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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