$300 bonus

As a valued customer, you’re eligible to receive this exclusive offerFootnote *

Here’s how to qualifyFootnote 1:
Open a
checking account

Open a Bank of America Core Checking® or Bank of America Interest Checking® account by April 15, 2017.

*This exclusive offer is only for select Bank of America® customers who don’t already have a personal checking account with us and who received an email or direct communication from Bank of America, or have seen the offer when signed into Online or Mobile Banking.

Set up
Direct Deposit

Set up and receive qualifying direct deposits totaling $4,000 or more within the first 90 days of opening your new checking account.

This exclusive offer is only for select Bank of America® customers who don’t already have a personal checking account with us and who received an email or direct communication from Bank of America, or have seen the offer when signed into Online or Mobile Banking.

*This exclusive offer is only for select Bank of America® customers who don’t already have a personal checking account with us and who received an email or direct communication from Bank of America, or have seen the offer when signed into Online or Mobile Banking.

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Qualifying direct deposit

A qualifying direct deposit is a recurring direct deposit of your paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency. Please note, this does not include transfers done via ATM, online or teller, or transfers from a bank or brokerage account.


As a new checking customer, you could enjoy even more benefits with Preferred Rewards§.

Find out how

Enjoy benefits and rewards on your banking:

Interest Rate Booster on a Rewards Money Market Savings account
25% or more Rewards Bonus on eligible Bank of America® credit cards
No Fees on select everyday banking services
Merril Edge® $0 Equity and EFT Trades Platinum and Platinum Honors tier clients. Trade limits apply. Other fees may apply.

Enjoy benefits and rewards on your banking:

You’re eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking account and meet qualifying 3-month average combined balances requirements. And if you enroll, as your qualifying balances grow, so do your benefits. There’s no fee to enroll or participate.

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Start by selecting a checking account

Bank of America
Core Checking®

You use direct deposit and want a straightforward checking account

Core Checking Open now

$25 opening deposit

Online and Mobile BankingFootnote 2

Debit chip cardFootnote 3

Thousands of ATMs &
financial centers


$12 monthly maintenance fee
Waive this fee with direct deposit or
daily balance requirements.

See ways to waive this fee

Open now

Bank of America Interest Checking®

You keep higher balances and want to earn interest on your checking account

Interest Checking Open now

$100 opening deposit

Online and Mobile BankingFootnote 2

Debit chip cardFootnote 3

Thousands of ATMs &
financial centers

Earn interest
See rates Opens link in a new window

No fees for cashier’s checks, money
orders or Overdraft Protection transfersFootnote 4 from eligible linked accounts

No fees for standard checks and
incoming domestic wires

No monthly maintenance fees
for additional accountsFootnote 5


$25 monthly maintenance fee
Waive this fee with combined
balances in eligible linked accounts.

See ways to waive this fee

Open now

Plus, as a Bank of America checking customer, you can get:

Debit Chip Card with
$0 Liability GuaranteeFootnote 6

Ability to temporarily lockFootnote 7
a misplaced debit card

Award-winning Mobile Banking appFootnote 8

BankAmeriDeals®Footnote 9

Need more help?information about
opening an account?

Schedule an appointment Find a location

It's easy to make the switch to
Bank of America

Learn more

1Eligibility: Offer only available to Bank of America customers and employees who receive this offer via a direct communication from Bank of America. New personal checking account must be opened by April 15, 2017. Bank of America may change or terminate this offer before this date without notice. You are not eligible for this offer if you were a signer on or owner of a Bank of America personal checking account within the last six (6) months.

Requirements to Receive the $300 Checking Account bonus: (1) Open a new Bank of America Core Checking® OR Bank of America Interest Checking® personal checking account by April 15, 2017, in a participating financial center, online, or via phone AND (2) set up and receive Qualifying Direct Deposits equaling a total of $4000 or more in your new personal checking account within 90 days from account opening. A “Qualifying Direct Deposit” is a recurring direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, Merrill Edge® or Merrill Lynch® account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees Opens link in a new window for further explanation of eligible regular monthly income. Qualifying Direct Deposits must be received in your new personal checking account within 90 days from account opening.

Additional Terms and Conditions: If you meet all the Requirements to Receive the $300 Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty (60) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus.

All account applications are subject to our normal approval process. The minimum deposit required to open a Bank of America Core Checking® account is $25. The minimum deposit required to open a Bank of America Interest Checking® account is $100 and the Annual Percentage Yield (APY) for this account accurate as of today’s date, can be found by selecting the account at https://www.bankofamerica.com/deposits/bank-account-interest-rates.go. The rates may change after the account is opened and may vary by state. Fees may reduce earnings. Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees Opens link in a new window for other account fees, rates and information.

Your account does not qualify for the bonus until you provide all of the information we require in connection with opening the account by the promotion end date. This includes information we require to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of the bonus. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice. Reproduction, purchase, sale, transfer or trade of this offer is prohibited. Offer cannot be combined with any other offer and is limited to one bonus per new personal checking customer and account. Offer does not apply to business or second or multiple personal checking accounts.

2Mobile Banking requires enrollment through the Mobile Banking app, Mobile website or Online Banking. Enrollment through the Mobile Banking app is not available on all devices. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone, Android and Windows 10 (except Xbox) devices. Not all Mobile Banking app features are available on all devices.

3The chip on your debit card provides additional security only when used at a terminal or ATM that is chip-enabled.

4Overdraft Protection requires enrollment and linking of an eligible Bank of America account. Please refer to your Personal Schedule of Fees Opens link in a new window for more information.

5Three (3) additional interest checking accounts and four (4) additional savings accounts with no monthly maintenance fee.

6The $0 Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer debit cards. To be covered, report transactions made by others promptly, and don’t share personal or account information with anyone. Access to funds next business day in most cases, pending resolution of claim. Consult customer and account agreements for full details.

7When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply.

8The Mobile Banking app is available on iPad, iPhone, Android and Windows 10 (except Xbox) devices. Not all Mobile Banking app features are available on all devices. Data connection required. Wireless carrier fees may apply.

9You must be enrolled in Online Banking or Mobile Banking to participate in the BankAmeriDeals® program and have either an eligible Bank of America® debit or credit card or Merrill Lynch® credit card. Select co-brand credit cards are not eligible. Earned cash back will be credited into an eligible checking, savings, money market or credit account in the next month following redemption. For more information, please read the program terms of use Opens link in a new window. BankAmeriDeals may not be available on all devices. Data connection required. Wireless carrier fees may apply.

§You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking account and maintain a three-month average combined balance in your qualifying Bank of America® deposit accounts and/or your qualifying Merrill Edge® and Merrill Lynch® investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The combined balance is calculated based on your average daily balance for a three calendar month period. SafeBalance Banking® accounts do not count towards the account or balance requirements, and do not receive the fee waivers and other benefits of the program. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on employee qualification requirements, please call Employee Banking & Investments or visit EB&I on the Bank of America intranet site. The Preferred Rewards Gold tier does not include the $0 online equity and ETF trades via Merrill Edge®, a benefit that is currently available at the Platinum and Platinum Honors tiers of Preferred Rewards.

The Rewards Money Market Savings interest rate booster is only available to customers enrolled in the Preferred Rewards program. Your enrollment in Preferred Rewards will not automatically convert any existing money market savings account to a Rewards Money Market Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. Visit the Rewards Money Market Savings page on bankofamerica.com Opens link in a new window for current rates.

Credit Card Preferred Rewards Bonus. Enrolled clients with eligible credit cards can receive the Preferred Rewards Bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier (“Preferred Rewards Bonus”) in one of two ways: 1) For BankAmericard Cash RewardsTM credit cards, the Preferred Rewards Bonus will be applied when you redeem cash rewards into a Bank of America® checking or savings account or an eligible Merrill Lynch Cash Management Account®. For example, if you redeem $100 in cash rewards, we will add $25, $50 or $75 to your redemption amount based on your tier when you redeem. Redemptions for a statement credit or personal check will not receive the Preferred Rewards Bonus. 2) For all other eligible credit cards (such as BankAmericard Travel Rewards® cards), the Preferred Rewards Bonus will be added to the base rewards you earn with each purchase. For example, if you earn 100 base rewards, we will add 25, 50, or 75 bonus rewards based on your tier when the purchase posts to your account. The Preferred Rewards Bonus will replace the 10% customer bonus you may receive with your card(s). Any other bonus rewards (e.g., account-opening bonuses and merchant-based bonuses) will not receive the Preferred Rewards Bonus. Visit bankofamerica.com/preferred-rewards for additional program details and a complete list of ineligible cards.

Deposit Account Information. Minimum opening deposit requirements vary by account. Regular Savings account requires a minimum opening deposit of $25 and Bank of America Interest Checking® account requires a minimum opening deposit of $100. Annual Percentage Yields (APYs) for these and other deposit accounts, accurate as of today’s date, can be found by selecting the account at https://www.bankofamerica.com/deposits/bank-account-interest-rates.go Opens link in a new page. Rates may change after the account is opened and may vary by state. Fees could reduce earnings. Some accounts, services, and fees vary by state. Review the Personal Schedule of Fees Opens link in a new window for your state, also available at financial centers.

#Visit the Preferred Rewards page on bankofamerica.com Opens link in a new window for a list of no-fee banking services.

Eligibility: Commissions are only waived for online equity and ETF trades and conducted via an individual or jointly owned self-directed personal CMA® or IRA account.
MLPF&S waives its commission fee for:
i.  30 monthly online & ETF equity trades for Platinum tier clients
ii. 100 monthly online & ETF equity trades for Platinum Honors tier clients
For details about commissions, transaction fees and any other fees that may apply, visit merrilledge.com/pricing Opens link in a new window. Certain account types are not eligible. Other restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. For full details about ways to qualify for $0 trades, call 1-888-MER.EDGE (1.888.637.3343) 1-888-MER.EDGE (1.888.637.3343) or visit merrilledge.com/$0detail Opens link in a new window.

Investment products are provided by MLPF&S and:

Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value

Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.

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