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Before You Apply

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Your application process should take around 10 minutes.

You're applying for:

  •  

Avoid a monthly maintenance fee when you make at least one qualifying direct deposit of or more per statement cycle

or

Pay /month

How to avoid the monthly maintenance fee

No monthly maintenance fee for Bank of America Core Checking® each statement cycle that you:

  • Have at least one qualifying direct deposit of or more

  • or
  • Maintain a minimum daily balance of or more
  • or

Enroll in the Preferred Rewards program and qualify for the Gold, Platinum, Platinum Honors tier (first 4 checking accounts)

Students under age 24 are eligible to have this fee waived while enrolled in high school, college or a vocational program.

Or pay /month

  •  

  •  

What you'll need to apply:

  • Social Security number and date of birth of all account holders
  • Phone number and email address
  • Physical U.S. address (no post office boxes)
  • Debit card or account information for funding your new account

Apply at a financial center if:

  • You have limited credit history, making identity verification difficult
  • You have had issues with your checking history
  • You are depositing more than $100,000 today
  • Schedule an appointment
Information for:

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Comparison of Accounts
Regular Savings Account Rewards Money Market Savings Account
Standard Annual Percentage Yield (APY)Footnote % %
Preferred Rewards clients receive an interest rate boosterFootnote with a higher APYFootnote n/a % Gold % Platinum % Platinum Honors
Minimum opening deposit
Can be used for Overdraft Protection to cover Bank of America checking accountsFootnote This feature is supportedThis feature is supported
FDIC insured This feature is supportedThis feature is supported
No monthly maintenance fee for each statement cycle that you: Maintain a minimum daily balance of at least Link your Bank of America Interest Checking® account to your Regular Savings account (waiver applies to first 4 savings accounts) When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts) Maintain a minimum daily balance of at least Link your Bank of America Interest Checking® account to your Rewards Money Market Savings account (waiver applies to first 4 savings accounts) When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts)
Or pay /month
Or pay /month
Withdrawal Limit Fee Total of transfers and withdrawals each monthly statement cycle without a Withdrawal Limit Fee. You may be charged a fee for each additional transfer and withdrawal you make before your statement cycle ends. You will be charged no more than of these fees each statement cycle. If you maintain a minimum daily balance of or more in this account or if you are enrolled in the Preferred Rewards program, you won't be charged this fee. Transaction limits applyFootnote Total of transfers and withdrawals each monthly statement cycle without a Withdrawal Limit Fee. You may be charged a fee for each additional transfer and withdrawal you make before your statement cycle ends. You will be charged no more than of these fees each statement cycle. If you maintain a minimum daily balance of or more in this account or if you are enrolled in the Preferred Rewards program, you won't be charged this fee. Transaction limits applyFootnote
Other fees and information View the Bank of America Regular Savings Account Clarity Statement® View the Bank of America Rewards Money Market Savings Account Clarity Statement®