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Eligibility: This is a special limited time offer available to new customers who open an eligible new personal or business checking account online or in one of our banking centers. Offer cannot be combined with any other offer and is limited to one incentive per new customer. Offer does not apply to second or multiple personal or business accounts. A new customer is a person who is not currently a signer and who was not a signer within the last 6 months on a Bank of America personal or business checking account. Student checking accounts are not eligible for the offer. All account applications are subject to our normal approval process. If your account is closed at the time we review your account to determine whether you have met the terms and conditions of the offer, you are not eligible for the offer.

Incentive: Up to $100. You get $75 when you open (1) qualifying new checking account with an opening balance of $250 during the eligibility period and (2) use your debit card for the new checking account to pay for a purchase from a merchant within 30 days after opening the new account. To get the additional $25, use our online bill payment service to pay two bills from your new checking account within 30 days after opening the account. Small Business customers are also eligible if they enroll in the Online Business Suite Direct Payments service and make two payments within 30 days. If we determine that you meet all the terms of the offer, we generally pay the incentive within 90 days of account opening. We may deposit the incentive directly into the new Bank of America checking account or we may mail a check to the address listed in our records for the new checking account. We may report to the IRS the value of the incentive we pay to you and you are responsible for any applicable taxes.

Other Terms: For interest bearing personal checking accounts, the Annual Percentage Yield (APY) as of 6/25/2009 is: less than $10,000, 0.05%; $10,000-$99,999, 0.25%; $100,000 and over, 0.40%. Fees may reduce earnings. Please ask us or visit www.bankofamerica.com or see our Personal Schedule of Fees for more information.

Small Business: Direct Payment Service requires Internet access, and Internet service provider fees may apply. Not available in Washington or Idaho.

Reproduction, purchase, or sale of this offer is prohibited.