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Bank of America Core Checking® Account

Overview

Monthly maintenance fee waived for students

Students under the age of 23 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, MobileFootnote1 and Text BankingFootnote2 to track purchases, transfer moneyFootnote3, pay billsFootnote4 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.Footnote5

Additional debit card security

Get added security with chip technologyFootnote6 that helps protect your information when used at a chip-enabled terminal. Plus, you're covered with a $0 Liability GuaranteeFootnote7 to help protect you if your card is lost or stolen.
  • Fees & Rates

    Monthly Fee
    • No monthly maintenance fee for each statement cycle that you:
    • Have at least one qualifying direct deposit of or more
    • or
    • Maintain an average daily balance of or more. (Please note you will need to maintain a minimum daily balance of or more beginning October 8, 2016.)
    • Students under age 23 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 /month
    Required Opening Deposit
    ATM Fees
    • No fee
      At thousands of Bank of America ATMs
    • /transaction
      Non-Bank of America ATMs within the U.S.
    • /transaction
      Non-Bank of America ATMs outside the U.S.

Fees & Rates

Monthly Fee Required Opening Deposit ATM Fees
  • No monthly maintenance fee for each statement cycle that you:
  • Have at least one qualifying direct deposit of or more
  • or
  • Maintain an average daily balance of or more. (Please note you will need to maintain a minimum daily balance of or more beginning October 8, 2016.)
  • Students under age 23 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 /month
  • No fee
    At thousands of Bank of America ATMs
  • /transaction
    Non-Bank of America ATMs within the U.S.
  • /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®

Features

Cash back deals with BankAmeriDeals®Footnote8

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 programFootnote9

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®Footnote8

    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 programFootnote9

    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/unlockFootnote10

    Misplaced your debit card and need time to find it? Now you can temporarily lock your debit card right from your Mobile Banking appFootnote1 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 GuaranteeFootnote7

    $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.Footnote11 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 technologyFootnote6

    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

    TransfersFootnote3

    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.Footnote12

    AlertsFootnote13

    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.Footnote11 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 technologyFootnote6

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/unlockFootnote10

Misplaced your debit card and need time to find it? Now you can temporarily lock your debit card right from your Mobile Banking appFootnote1 or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, unlocking your debit card is just as easy.

TransfersFootnote3

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.Footnote12

$0 Liability GuaranteeFootnote7

$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.

AlertsFootnote13

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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