$300 bonus

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

Here’s how to qualify: Footnote 1
Open a
checking account
Checking-account-icon

Open a Bank of America Core Checking® or Bank of America Interest Checking® account by December 31, 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.

Set up
Direct Deposit
Direct-deposit-icon

Set up and receive qualifying direct deposits Opens pop up window on this page 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.

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.

Qualifying direct deposit close popup window
Qualifying direct deposit

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. Please note, this does not include a transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account. Merrill Edge® or Merrill Lynch® account.

Start by selecting a checking account

With both checking account options, you can get:

lockcard-icon

Ability to temporarily lockFootnote 2
a misplaced debit card

zeroliability-icon

Debit Chip CardFootnote 3 with
$0 Liability GuaranteeFootnote 4

mobilebanking-icon

Award-winning Mobile Banking appFootnote 5

bankamerideals-icon

Cash-back deals with BankAmeriDeals®Footnote 6

Bank of America
Core Checking®

You use direct deposit and want a straightforward checking account

Core Checking Open now

You use direct deposit and want a straightforward checking account

$25 opening deposit

Online and Mobile BankingFootnote 5

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

Bank of America Core Checking®

No monthly maintenance fee for each statement cycle that you:


Have at least one qualifying direct deposit of $250


or


Maintain a minimum daily balance of $1,500 or more


Students under age 24 are eligible to have this fee waived while enrolled in high school, college, university, or a vocational program.


Preferred Rewards clients get this fee waived.


Or pay $12/month

Open now

close popup windowClose

Bank of America Core Checking®

No monthly maintenance fee for each statement cycle that you:


Have at least one qualifying direct deposit of $250


or


Maintain a minimum daily balance of $1,500 or more


Students under age 24 are eligible to have this fee waived while enrolled in high school, college, university, or a vocational program.


Preferred Rewards clients get this fee waived.


Or pay $12/month

Bank of America Interest Checking®

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

Interest Checking Open now

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

$100 opening deposit

Online and Mobile BankingFootnote 5

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 7 from eligible linked accounts

No fees for standard checks and
incoming domestic wires

No monthly maintenance fees
for additional accountsFootnote 8


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

See ways to waive this fee

Bank of America Interest Checking®

No monthly maintenance fee for each statement cycle that you:


Maintain a combined balance* of at least $10,000 or more


*Combined balances include:

The average daily balance in eligible linked checking, savings and money market savings accounts for the statement cycle


and


The current balances in linked personal CDs and IRAs at the end of the Interest Checking statement cycle


and


The current balance (2 business days before the end of the Interest Checking statement cycle) in your eligible linked Merrill Edge® and Merrill Lynch® investment accounts


Preferred Rewards clients get this fee waived.


Or pay $25/month

Open now

close popup windowClose

Bank of America Interest Checking®

No monthly maintenance fee for each statement cycle that you:


Maintain a combined balance* of at least $10,000 or more


*Combined balances include:

The average daily balance in eligible linked checking, savings and money market savings accounts for the statement cycle


and


The current balances in linked personal CDs and IRAs at the end of the Interest Checking statement cycle


and


The current balance (2 business days before the end of the Interest Checking statement cycle) in your eligible linked Merrill Edge® and Merrill Lynch® investment accounts


Preferred Rewards clients get this fee waived.


Or pay $25/month

Get more rewards with your everyday banking™:

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Find out how

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Need more help?information about opening an account?

1This offer is only available to Bank of America customers and employees who receive this offer via a direct communication from Bank of America. Offer expires on December 31, 2017. Bank of America may change or discontinue this offer at any time before this date without notice. This offer is intended for new checking customers only; 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 eligible Bank of America personal checking account by December 31, 2017, in a 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. SafeBalance Banking® Accounts are not eligible for this offer. 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. We will attempt to deposit the earned bonus directly into your new personal checking account within sixty (60) days of meeting the offer requirements; if unable to do so, a check will be issued. The new personal checking account must be open up to and including the date any earned bonus is paid in order to receive the bonus.

Additional Terms and Conditions: All account applications are subject to approval. 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 account fees and additional 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 such 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.

2When 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.

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

4The $0 Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer debit and ATM 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.

5Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data fees may apply. 

6You 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 within 30 days following redemption. For more information, please read the program terms of use Opens link in a new window. Data connection required. Wireless carrier fees may apply.

7Overdraft 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.

8Three (3) additional interest checking accounts and four (4) additional savings accounts with no monthly maintenance fee.

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 the three calendar month period. SafeBalance Banking® accounts do not count toward the account or balance requirements, and do not receive the fee waivers and other benefits of the program. For details on employee qualification requirements, please call Employee Banking & Investments or visit EB&I on the Bank of America intranet site.

Preferred Rewards Platinum and Platinum Honors tier clients using a Bank of America® debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals, balance inquiries and balance transfers (1 each per statement cycle for Platinum tier clients, unlimited for Platinum Honors tier clients) from non-Bank of America ATMs in the U.S. and U.S. territories.

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