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  Fund your account¹

  You can add money to your account by transferring money² or depositing a check³ using the Mobile Banking app⁴ or at an ATM.

  To find a Bank of America ATM near you, use our locator page or use the Mobile Banking app.

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  Set up direct deposit

  Skip extra trips to the bank by having your paycheck or other recurring deposits sent right to your account.

  Set up direct deposit today by following our simple on-screen instructions.

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  Activate your debit card

  Your new, tap to pay debit card will arrive by mail in 4-6 business days. Activate it right away by following the instructions on the card.

  Your debit card is a fast, easy and secure way to pay, and is backed by our $0 Liability Guarantee.⁵

  Did you know that you can get a digital card for debit? When opening an account, you can use the Mobile Banking app to get a digital card for debit that can be used 24/7.⁶

  Learn more about digital cards for debit.

  Get started and activate today.

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  Bank on your schedule

  Enroll in Mobile⁴ and Online Banking so you can easily bank confidently and conveniently from almost anywhere.

  • Check balances
  • Pay bills automatically by setting up one-time or recurring payments
  • Deposit checks right from our Mobile Banking app³
  • Use Zelle® to send and receive money with friends and family in minutes⁷—with no fees in our app or Online Banking
  • Temporarily lock and unlock⁸ your debit card if misplaced

  Text "App" to 42690⁹ or visit your App Store to download our Mobile Banking app, or bank online at bankofamerica.com.

  It’s easy. Try our step-by-step self-guided demos.

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  Help avoid overdraft fees

  Enroll in Balance Connect^® for overdraft protection¹⁰—it can help you cover your payments and purchases by automatically transferring available money from your eligible linked backup account(s). Plus, there are no transfer fees. Linked credit accounts are subject to interest charges.¹¹

  Learn more at bofa.com/balanceconnect

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  Open a savings account

  Whether you’re new to saving or an experienced saver, setting aside money on a regular basis is a good habit to form. No matter what you’re saving for—a rainy day or something special—we’re here to support you.

  Open a Savings Account today

Client Care Commitment

We know you work hard to make life better for yourself and the people you care about most, and we believe in providing solutions to help you do this throughout your life. Because we value your relationship with us, our promise to you is to always listen to your needs, provide guidance when you need it, and strive to exceed your expectations. Every one of us at Bank of America believes in this promise and strives to deliver on it each day. It’s the reason we will always approach your needs with a question centered squarely on you.

• ¹ When we open an account for you, but you do not deposit funds into it, please note that all account fees still apply. We may review your account and either keep the account open or close the account without notice. See Deposit Agreement Disclosures for additional information.

• ² Fees apply to wires and certain transfers. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for details. Data connection required. Carrier fees may apply.

• ³ Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Menu > Help > Browse More Topics > Mobile Check Deposit for details and other terms and conditions. Message and data rates may apply.

• ⁴ Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

• ⁵ Notify us within a reasonable time of the unauthorized use or the loss or theft of your card, card number, or PIN. Certain restrictions apply. Consult your account documents for details.

• ⁶ Customers enrolled in Mobile Banking may opt to receive the digital card for debit, a virtual card that can be accessed anytime in Mobile Banking. The digital card for debit is designed for you to always have access to your digital card credentials to make online purchases, including when you’ve just requested a new or replacement physical card and haven’t received it yet. Some transaction types may not be supported by the digital card for debit. Digital card for debit cannot be used for in person sales unless it’s added/loaded to your digital wallet. You must have a physical debit card or have ordered a new or replacement physical debit card to get a digital card for debit. Not all clients are eligible for a digital card for debit.

• ⁷ Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back—for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply. In some circumstances, you may not be able to enroll in Zelle® immediately.

• ⁸ We may allow you to lock your physical debit card or virtual card(s). You must lock each card type individually. Locking your physical card will not lock your virtual card(s). Similarly, locking a virtual card will not lock your physical card or any other distinct virtual card. Each virtual card must be locked individually. We may provide you the ability to apply or remove a lock at your discretion via Online and/or Mobile banking. Locking your physical debit card will not lock or prevent transactions from being authorized using your digital card for debit or for any virtual cards stored in digital wallets. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile App for iPad, iPhone and Android devices and Online Banking for your physical debit card and on the Mobile Banking app only for your digital card. Data connection required for Mobile app and wireless carrier fees may apply.

• ⁹ By texting us you agree to receive an automated text message reply. Not a condition of purchasing any products/services. Message and data rates may apply. For privacy notice visit bankofamerica.com/privacy. For SMS terms & conditions: BofA.com/smsTC.

• ¹⁰ Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible Bank of America accounts for overdraft protection. This optional service can help you cover your payments and purchases and help avoid overdrafts and overdraft fees by automatically transferring available funds from your linked backup account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Transfers from a linked (1) brokerage account with Merrill Lynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details. Balance Connect® is not available with SafeBalance Banking® or SafeBalance Banking® for Family Banking as a covered or linked backup account. Balance Connect® is available on Advantage Savings as a linked backup account, but not eligible to be enrolled as a covered account.

• ¹¹ Transfers from a linked (1) brokerage account with Merrill Lynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details.

• ¹² Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

  i. a three-month combined average daily balance in your qualifying deposit and investment accounts, or

  ii. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.

  Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits, available at bankofamerica.com/fees. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Tier regardless of balance, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill and Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or, refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to go.bofa.com/cebi-faq for details.

• ¹³ The mobile feature, Erica, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance.

• ¹⁴ To view or use Life Plan, you must be enrolled in Online Banking or Mobile Banking. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

Please review the Personal Schedule of Fees, available at bankofamerica.com/fees and your local financial center. For information about rates, fees, other costs and benefits associated with a credit card, visit bankofamerica.com/creditcards or call 1.800.932.2775. Credit cards are issued and administered by Bank of America, N.A.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Keep the Change, Erica, Bank of America Life Plan, Bank of America Preferred Rewards, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (BofA Corp). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Merrill Lynch makes available products and services offered by MLPF&S and other subsidiaries of BofA Corporation.

Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Credit card programs are issued and administered by Bank of America, N.A.

Investment products are provided by MLPF&S and:

• Are Not FDIC Insured
• Are Not Bank Guaranteed
• May Lose Value

Please review the Personal Schedule of Fees, available at bankofamerica.com/fees and at your local financial center.