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Before You Apply

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Your application process should take around 10 minutes.

Current Bank of America online banking customers are eligible to open an IRA account online.

Not a Bank of America customer? Visit a financial center to open an account.

You're applying for:


To open a XXXX-month Fixed Term CD IRA online, you'll need to add funds to your IRA from a Bank of America checking or savings account.

Schedule an appointment today with a financial specialist to learn more

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)
  • 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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Enter your zip code

Please enter the zip code for your home address so we can give you accurate rate and fee information for your location.