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Why add a Regular Savings Account? It's an easy way to meet savings goals.

  • Easily transfer money from your checking account to build your balanceFootnote important Notice *
  • Enroll in our Keep the Change savings program and we'll round up the difference when you make everyday purchases with your Bank of America debit card and transfer the difference from your checking account to your savings accountFootnote 1
  • Use it for Overdraft ProtectionFootnote 2 in case your checking funds run too low

 

* Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of 6 each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

 

1.
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.
2.
Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

Why pair your checking account with a Rewards Money Market Savings Account?

 

* Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of 6 each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

 

Check order fees may apply.

1.
For rate information, please see our Rewards Money Market Savings Account rates.
2.
Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

Compare: Savings Accounts

Regular Savings Account Rewards Money Market Savings Account
Your current choice Your current choice Change your selection to Rewards Money Market Savings Account

Good for you if

You're just starting out and need a basic savings account.

You want to earn higher interest rates compared to a Regular Savings account.

Annual percentage yield (APY)

0.01% APY on all balancesFootnote 1

0.03 APYFootnote 2
Preferred Rewards clients are eligible to receive a higher rate. See all rates for Rewards Money Market Savings

Minimum opening deposit

$25

$25

No excess withdrawal feesFootnote 3

Yes

Transaction limitations*

Yes

Yes

Eligible for Keep the Change® enrollmentFootnote 4

Yes

Yes

Can be used for overdraft protectionFootnote 5

Yes

Yes

Monthly maintenance fees

$5 monthly fee
No monthly fee if you meet one of the following requirements during each statement cycle:
Make combined monthly automatic transfers of $25 or more from a Bank of America checking account to your savings account.
Or
Maintain a $300 minimum daily balance
Or
Link to your Bank of America Interest Checking® Account (waiver applies to first 4 savings accounts of all types)
Or
Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (waiver applies to first 4 savings accounts of all types)

$12 monthly fee
No monthly fee if you meet one of the following requirements during each statement cycle:
Maintain a $2,500 minimum daily balance
Or
Link to your Bank of America Interest Checking® Account (waiver applies to first 4 savings accounts of all types)
Or
Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (waiver applies to first 4 savings accounts of all types)

FDIC insured up to applicable limits

Yes

Yes

Accessible in Online Banking

Yes

Yes

Your current choice Your current choice Change your selection to Rewards Money Market Savings Account
Regular Savings Account Rewards Money Market Savings Account

*Important Notice: Federal regulations and the Deposit Agreement and Disclosures limit the number of the following types of withdrawals and transfers from a savings account to a total of 6 each monthly statement cycle (each month for savings accounts with a quarterly statement cycle): automatic or pre-authorized transfers, telephone transfers, Online Banking transfers or payments, or, if checks or debit cards are allowed on the account, check, draft and point-of-sale transactions. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

1.
Annual Percentage Yield (APY) is accurate as of 07/27/2015. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
2.
Annual Percentage Yield (APY) differs depending on balance in account and is accurate as of 07/27/2015. These rates may change at any time without prior notice. Fees could reduce earnings on the account. For more information view our Rewards Money Market Savings Rates.
3.
With Regular Savings, each monthly statement cycle, you can make a total of three withdrawals and transfers with no excess withdrawal fee.
4.
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 accout. 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.
5.
Overdraft Protection Transfer fees may apply. Please refer to your Personal Schedule of Fees for details.

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

You are applying for:

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