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content: "Setting up your checking account, your check card or your merchant card processing service is quick and easy.
Activate Your Checking Account
Find It Quick:
> Call toll-free: 1.800.234.6147
> Open a Checking Account
Call 1.800.234.6147 at least 24 hours after account opening if:
Don’t have a checking account? Open one today:
No matter the size of your business, Bank of America has an account to maximize your opportunities while saving you time and money. Use our quick comparison chart to see which business checking account is right for you. Learn more.
Activate Your VISA® Business Check Card
Find It Quick:
> Call toll-free: 1.888.624.2323
> Request a Check Card
You can follow one of these steps:
The Bank of America Small Business Check Card is convenient, secure, simple, free—and gives you peace of mind, knowing you’re protected with our Total Security Protection® package, which provides reimbursement for any unauthorized charges by the next business day.
Did you know? You can get great merchant offers when you use your Check Card? Learn more.
Activate Your Merchant Card Processing Account
Find It Quick:
> Contact Merchant Services
> Customer Support: 1.800.228.5882
> Open an Account: 1.866.538.3827
Following enrollment, you’ll receive a Merchant Welcome Kit that contains important information and instructions for getting started with payment processing. You may also receive a call to schedule a complimentary training and terminal activation appointment.
",
mainNav: "
Take advantage of our award-winning online tools to access and manage your small business accounts.
When it comes to owning a Small Business, time is money.
Find It Quick:
> Online Banking Enrollment Form
> Call toll-free: 1.866.758.5972
And one way to save a lot of time is through our Online Banking service. It’s secure, convenient, always open and easy to use. And of course, to save you money, it’s FREE.
Set Up Small Business Online Banking Services with Unlimited Bill Pay
If you didn’t set up your Small Business Online Banking at the bank, it’s easy to enroll online.
To set up Small Business Online Banking service with unlimited Bill Pay:
To set up Bill Pay:
Give yourself more security with SiteKey®
The SiteKey security feature is an additional layer of identity verification for signing in to Online Banking. Learn more.
Online Business Suite is our premium online banking service that has all the great features and services of Online Banking.
Find It Quick:
> Sign in to Online Banking
> Enroll in Online Business Suite
Plus, four modules (Account Management, Express Invoicing®, Direct Payments and Easy Online Payroll®) so you can pick and choose the services to meet your business management needs.
When you sign in to Online Banking for the first time, if you did not accept the Terms & Conditions at account opening, a screen will appear and you will need to review and accept the Terms & Conditions before you can proceed. Then in the sections below, follow the steps to set up the services you have.
Account Management in your Online Business Suite can to help you control your finances.
Find It Quick:
> Online Business Suite® demo
> Sign In to Online Banking
> Call toll-free: 1.866.758.5972
Log in to your Online Business Suite® account, then:
Express Invoicing gives you faster access to your cash by sending your customers invoices online…
Find It Quick:
> Online Business Suite® demo
> Sign In to Online Banking
> Call toll-free: 1.866.758.5972
…and receiving their payments electronically.
Log in to your Online Business Suite® account, then:
With Direct Payments you no longer need stamps or checks.
Find It Quick:
> Online Business Suite® demo
> Sign In to Online Banking
> Call toll-free: 1.866.758.5972
Log in to your Online Business Suite® account, then:
To set up your Easy Online Payroll® you
need to:
Find It Quick:
> Easy Online Payroll® demo
> Easy Online Payroll® sample company payroll
> Enroll for Easy Online Payroll®
> Call toll-free: 1.888.606.4545
",
mainNav: "
Bank of America’s simple tools and services help you stay on top of your accounts,
which in turn can help you prevent fees.
Here are some common fees associated with Bank of America checking, savings and credit card accounts—and how to help
prevent them.
Find It Quick:
> Call toll-free: 1.888.BUSINESS (888.287.4637)
>
Online Business Suite® fees and service charges>Learn more about checking account fees with our Checking Account Clarity Statement
California (PDF)
Washington and Idaho (PDF)
All others (PDF)
| FEE | DESCRIPTION | HOW TO PREVENT THE FEE |
|---|
| Overdraft Item Fee and NSF: Returned Item Fee | We may charge you a fee if you do not have available funds in your checking account to cover a check, Check Card transaction or other type of withdrawal. When Bank of America pays the check or withdrawal and then overdraws your checking account, you may be charged an overdraft item fee. When the check or withdrawal is not paid by Bank of America and instead we will return the item, you may be charged a returned item fee. | Sign up for Alerts, Overdraft Protection and Mobile Banking to help you avoid these fees. |
| Monthly Maintenance Fee or Service Charges | For certain checking and savings accounts, Bank of America charges a monthly maintenance fee or service charge if certain balance or other requirements are not met. | The Business Schedule of Fees outlines the monthly maintenance fees for all checking and savings accounts, as well as ways you can avoid overdrawing your checking account. Ask your Bank of America representative to walk you through it. |
| Late Fee | If your credit card bill is not paid by the due date, you may be charged a late fee. |
|
| Over-limit Fee | When you do not stay within the credit limit for your credit card, you may be charged an over-limit fee. |
|
| Transaction Fees | When you exceed the number of transactions allotted for your checking or savings account, you are charged a transaction fee. (Examples of transactions include checks paid and deposited items.) | Based on your volume of transactions, choose the account type that best meets your needs. The Business Schedule of Fees outlines the transaction fees for all checking and savings accounts. Ask your Bank of America representative to walk you through it. Sign up for Alerts to also help you avoid these fees. |
Did you know?
The new Business Fundamentals package: Open a Small Business Economy checking account, make a purchase with your free check card every month, and skip the monthly maintenance fee(3).
Learn more >>
Monthly Maintenance Fees and Service Charges Explained.
Find It Quick:
> Call toll-free: 1.888.BUSINESS (888.287.4637)
NEW ENROLLMENT: Monthly fees for new enrollment in any one or more of the Online Business Suite services are waived during the first three months of enrollment, after which standard monthly fees apply.
DIRECT PAYMENT: The fee for Direct Payments covers the first 20 payments to employees or vendors scheduled in any calendar month. Additional payments are subject to a small fee for each set of five payments. Each next-day payment has a fee in addition to the Direct Payment monthly fee. Three-day payments are included in the monthly fee.
EXPRESS INVOICING: The fee for Express Invoicing covers the first 20 invoices sent in any calendar month. Additional invoices are subject to a small fee for each set of five invoices. Fees may apply for additional services. To view an account from another financial institution, you must have online access set up with that institution. These fees will be withdrawn from the account to which your services fees are normally charged.
EASY ONLINE PAYROLL(1): Easy Online Payroll offers two service levels, Plus and Basic. Easy Online Payroll Plus Service is $36 per month. Easy Online Payroll Basic Service is $20 per month. With the Basic Service you will receive a $20 discount in any month you pay all your employees by direct deposit to a Bank of America account. For both the Plus and Basic Services, if you pay more than 20 employees, but not all are paid by direct deposit to a Bank of America account, an additional monthly fee of $2 will be charged for each employee over 20.
Alerts are timely text messages and email notifications regarding your checking, savings, credit cards and Online Banking accounts.
Find It Quick:
> Sign up for Free Online Banking Alerts(2)
> Sign In to Online Banking
They can help you to:
Be prepared by planning ahead. Help prevent bounced checks and save on Overdraft Item and Returned Item fees.
Find It Quick:
> Call toll-free: 1.888.BUSINESS (888.287.4637)
> Learn More about overdraft protection
>Learn more about checking account fees with our Checking Account Clarity Statement
California (PDF)
Washington and Idaho (PDF)
All others (PDF)
With Overdraft Protection Service, available funds from your Bank of America business savings account or credit card are automatically transferred to your checking account to help protect you when you’re in an overdraft situation.
You can apply for overdraft protection by calling 1.888.287.4637.
(1)Easy Online Payroll® monthly payroll service fees are waived during the first 3 months of enrollment. Additional fees for exceptions processing and other special services may apply during your free trial period. If there is no activity on your Easy Online Payroll account for the first 60 days after opening your account, we reserve the right to terminate your payroll service. After your 3 month free trial is over, monthly fees are automatically charged until you cancel the service. The monthly payroll service fee applies each month you are enrolled, whether or not you use the payroll service. The maximum number of active employees being paid cannot exceed 50. Billing occurs on the last banking day of the month. Additional fees for exceptions processing and other special services may apply. Pricing does not include applicable sales tax. There is a waiting period of up to 5 business days before you can use direct deposit for the first time. All direct deposits must be approved 2 banking days before each pay day, by 11pm ET. Easy Online Payroll service requires Internet access, and Internet service provider fees may apply. Not available in Washington or Idaho.
Easy Online Payroll offers two service levels, Plus and Basic. Easy Online Payroll Plus Service is $36 per month. Easy Online Payroll Basic Service is $20 per month. With the Basic Service you will receive a $20 discount in any month you pay all your employees by direct deposit to a Bank of America account. For both the Plus and Basic Services, if you pay more than 20 employees, but not all are paid by direct deposit to a Bank of America account, an additional monthly fee of $2 will be charged for each employee over 20.
Direct deposit to banks other than Bank of America is only offered in the Plus level of service. An additional monthly fee of $12 per state applies for state tax filing and payment support for each state in addition to your primary state in which you (i) have a work location, (ii) withhold taxes, or (iii) pay reportable wages (even if no tax is withheld). The monthly fee for additional states applies for each month in which you meet these criteria, whether or not you use the payroll service in that month. Multi-state tax filing is only available with the Plus level of service and will be available March 2009.
(2)Alerts are not available in Washington or Idaho.
(3)Bank of America will waive the monthly maintenance fee on your Business Economy Checking account for each statement period in the month following a point-of-sale Bank of America Visa Check Card purchase. For example, if you make a point-of-sale check card purchase in the month of August, your monthly maintenance fee credit will appear on your September statement. The following transactions do not qualify as point-of-sale purchases: a) ATM transactions; b) credits, such as those for purchases that are cancelled or returned, or other adjustments related to point-of-sale purchases; c) purchases of cash-like items, such as money orders, traveler7’s cheques, foreign currency, cashier’s checks, gaming chips, and other similar instruments and things of value; d) account funding transactions, including transfers to open or fund deposit, escrow or brokerage accounts, and purchases of stored value cards. The account must be in good standing at the time of the purchase(s). For each month a point-of-sale Check Card purchase is not made, you will be charged your usual monthly maintenance fee if you do not meet the minimum balance requirement outlined in your Personal Schedule of Fees. We may, at our discretion and without notice to you, amend or cancel this offer at any time.
As your business grows, so do your banking needs. Here are a few of our banking solutions designed to help your business succeed.
Offer your employees discounted banking products and services…
Find It Quick:
> Call toll-free: 1.800.782.2265
…when they sign up for direct deposit to a Bank of America checking account, at no additional cost to you.
To enroll in Direct Benefits visit your local Banking Center or call 1.800.782.2265.
Earn rewards for every day purchases, including double points at gas stations, restaurants and office supply stores.
Earn 1 point for every $1 in net retail purchases. You must apply in a Banking Center in order to receive the double points.
Redeem your WorldPoints® rewards for gift certificates, merchandise, cash, travel with no blackout dates, car rentals and hotel rewards.
Visit any Banking Center location to apply in person.(1)
Bank of America has many effective ways to manage your cash flow.
Find It Quick:
> Call toll-free: 1.888.BUSINESS (888.287.4637)
> Business Financing Options
Platinum Visa® Business Credit Card
The Platinum Visa® Business Credit Card lets you separate and control business expenses while also enjoying a competitive annual percentage rate (APR).
Visit any Banking Center to apply in person.
VISA® BUSINESS CHECK CARD
If it’s not your purchase, it’s not your problem™
Make convenient and secure business purchases while having easy access to detailed records and expense tracking. Receive special discounts from leading retailers when you use your Bank of America Business Check Card.(2)
Business Savings Options
Learn More about savings accounts.
PREMIUM CREDIT LINES
Grow your business with access to funds when you need them.(3)
Business Loans
Expand your business, buy equipment or consolidate commercial real estate.(3)
Did you know?
The new Business Fundamentals package: Open a Small Business Economy checking account, make a purchase with your free check card every month, and skip the monthly maintenance fee(7).
Learn more >>
Give your customers more choices by accepting credit cards, debit cards, electronic checks, gift cards…
Find It Quick:
> Call toll-free: 1.800.228.5882
> Get started now
…and other business-building payment options.
Legal copy(1)Normal credit standards apply. Credit subject to approval. Credit cards issued and administered by FIA Card Services, N.A.
(2)Claims may be filed against posted and settled transactions subject to dollar limits and verification, and must be reported within 60 days of the statement. Not available on check cards in Washington or Idaho.
(3)Available for business established two years or more.
(4)After deposit of transactions. Must have a Bank of America business checking account. Only valid on Visa® and MasterCard® transactions. Exceptions may apply.
(5)The terminals will be zero cost after a rebate, as part of a 3-year fixed pricing package for each new merchant account as further described in the Fee Schedule provided by Bank of America, N.A. (“Bank”). At the time the merchant opens a new merchant account, it can purchase one Hypercom Optimum® T4210 for $199 or one Hypercom Optimum® T4220 for $299 due upfront; only one discounted terminal per merchant account (additional terminals may be purchased at the regular retail price). The merchant can get a rebate of that purchase price less sales tax and any applicable handling fee, which will appear as a credit on the 12th month merchant account statement; only one rebate per merchant account. For each such merchant account, if the merchant closes any new merchant account or terminates the Merchant Agreement with Bank (or if the Bank takes either such action for cause) or if the merchant requests a re-price within that 3-year period, then in any of those events, an early package cancellation fee of $199 will be charged for that merchant account at the time (and if such event occurs within the first 12 months, the merchant is also no longer eligible for the rebate associated with the terminal for that merchant account).
(6)This offer applies only to merchants who are not currently processing with Merchant Services from Bank of America, merchants who are not part of an association or who collected a payment from a like offer within the past 12 months. Pricing comparison applies to processing rates and fees only, not to include monthly terminal or software fees. Merchants must provide their most recent 2 months credit card processing statements. We will send a $250 check within 30 days of meeting the eligibility requirements. Check will be issued to the person authorized to sign up for or change the current merchant services provider. Limit one offer per merchant relationship/business entity. To the extent required by law, Bank of America will report the value of the offer to the IRS. Any applicable taxes are the responsibility of the account holder. Certain merchant restrictions and eligibility requirements apply.
(7)Bank of America will waive the monthly maintenance fee on your Business Economy Checking account for each statement period in the month following a point-of-sale Bank of America Visa Check Card purchase. For example, if you make a point-of-sale check card purchase in the month of August, your monthly maintenance fee credit will appear on your September statement. The following transactions do not qualify as point-of-sale purchases: a) ATM transactions; b) credits, such as those for purchases that are cancelled or returned, or other adjustments related to point-of-sale purchases; c) purchases of cash-like items, such as money orders, traveler’s cheques, foreign currency, cashier’s checks, gaming chips, and other similar instruments and things of value; d) account funding transactions, including transfers to open or fund deposit, escrow or brokerage accounts, and purchases of stored value cards. The account must be in good standing at the time of the purchase(s). For each month a point-of-sale Check Card purchase is not made, you will be charged your usual monthly maintenance fee if you do not meet the minimum balance requirement outlined in your Personal Schedule of Fees. We may, at our discretion and without notice to you, amend or cancel this offer at any time.
Information in this easy-to-navigate site will help you activate and set up your accounts so you can make the most of your small business banking experience.