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Employee Banking & Investments

Savings Account

Access your money when you need it

An Employee Money Market Savings account is FDIC-insured (up to applicable limits) and features tiered interest rates—so you earn more as your balance grows. Your account comes with these money-saving features:

  • Exclusive national savings rate when combined with a Bank of America checking accountFootnote1
  • No monthly maintenance fees when linked to your employee interest checking account
  • Low minimum opening balance

More features and services—at no cost

  • Keep the Change® automatic savings program: Enroll and purchases will be rounded up to the nearest dollar and the difference transferred to your savings account.Footnote2
  • My Portfolio®—Bank of America's online money management tool. Track your spending by category (for example, gas or groceries) and analyze your spending and savings patterns with easy-to-read graphs and charts. Be more successful at saving by setting up a goal and tracking progress along the way. You can even see accounts from other financial institutions.Footnote3
Call 1.800.695.6262 or visit any banking center

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To ensure you receive the correct employee discount, be sure to return to the Employee Banking & Investments website to apply. You may also call 1.800.695.6262 to speak to a dedicated employee specialist.

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1.
Employee national savings rates are specially enhanced to match the highest consumer bank money market savings rates, including Platinum Privileges. However, Bank of America may offer higher rates through special offers, promotions, Affinity Banking, Wealth Management Banking or US Trust. Bank of America checking account required to be eligible for national employee rates (unless employee is based in a state outside the banking center footprint). Bank of America may change or discontinue this employee program at any time.
2.
Upon enrollment, we will round up your MasterCard® or Visa® debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America® savings account. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for Small Business debit cards.
3.
To view accounts from another financial institution, you must have online access set up with that institution.

We may report to the IRS the value of any incentive or other premium and any applicable taxes are the responsibility of the recipient.

Bank of America may change or discontinue the employee program or any portion of it at any time.

Some accounts, services, and fees vary from state to state. Please review the Personal Schedule of Fees for your state, and your local Banking Center.

Employee Banking & Investments is offered through Bank of America Employee Banking and Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Merrill Lynch, Pierce, Fenner & Smith, Inc. offers its products, accounts and services through different service models (for example self-directed and full-service advice). Based on the service model, the same or similar products, accounts and services may vary in their price or fee charged to a client.

Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly-owned subsidiaries of Bank of America Corporation.

Merrill Edge is available through MLPF&S, and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing

Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.

Merrill Edge, Merrill Edge Advisory Center, BofA Merrill Lynch and Merrill Edge Market Pro are trademarks of Bank of America Corporation.

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