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Please select a state as rates and fees for the products you have selected differ based on state. We show rates and fees for Virginia state as default.

What you'll need to apply:

  • Social Security number and date of birth of all account holders (up to one co-applicant)
  • 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 banking 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

How to qualify

To enroll in Preferred Rewards you need an eligible Bank of America® personal checking account and a 3-month average combined balance of $20,000 or more in qualifying Bank of America® banking accounts and/or Merrill Edge® and Merrill Lynch® investment accounts. Learn more about Preferred Rewards.

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