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<div class="navigation-items__menu--button"> <a href="#" class="navigation-items__title--mobile js-navigation-title-mobile t-track-collapse-menu"> Browse all topics </a> </div> <div class=" navigation-items__menu-content js-menu-content"> <div class="navigation-items__menu--row"> <div class="navigation-items__menu--title"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link js-anchor-link" data-id="everyday-money-matters" aria-hidden="true" tabindex="-1"></div> <h3 class="heading-latest__text headline-display--sm heading--text-black heading--align-left no-top "> Everyday money matters </h3> </div> </div> <div class="navigation-items__menu--row-column"> <div class="aem-wrap--cta-group section"> <ul class="cta-group cta-group--left "> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-credit_/content/bmh/en/credit" href="https://bettermoneyhabits.bankofamerica.com/en/credit" class="js-cta-link cta-group__cta 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href="https://bettermoneyhabits.bankofamerica.com/en/debt" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--debt icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Debt</span> </span> </a> <div class="cta__note"><p>Strategies for managing debt and paying off credit cards</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-privacy---security_/content/bmh/en/privacy-security" href="https://bettermoneyhabits.bankofamerica.com/en/privacy-security" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--privacy-security icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Privacy & Security</span> </span> </a> <div class="cta__note"><p>Ways to keep your financial information safe and prevent identity theft</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-taxes---income_/content/bmh/en/taxes-income" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--taxes-income icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Taxes & Income</span> </span> </a> <div class="cta__note"><p>Guidance on tax planning and making the most of your pay and benefits</p> </div> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--row"> <div class="navigation-items__menu--title"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link 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<a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/moving-to-the-us-guide" data-path="/content/bmh/en/personal-banking/moving-to-the-us-guide" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--managing-bank-accounts mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> New to the U.S.? 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class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/avoid-bank-fees" data-path="/content/bmh/en/personal-banking/avoid-bank-fees" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--managing-bank-accounts mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> 8 common bank fees—and how to avoid them</h3> <p class="mosaic-item__description">Many bank fees are avoidable with a little 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/content/dam/bmh/mosaic-images/personal-banking/the-5-mos-important-image-262x364.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> The 5 most important financial lessons for teens</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/what-is-a-digital-wallet" data-path="/content/bmh/en/personal-banking/what-is-a-digital-wallet" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--managing-bank-accounts mosaic-item--Infographic-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/mosaic-images/personal-banking/vertical-digitalwallet.jpg.transform/bmh-jpg-optimize/image.jpg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> What is a Digital Wallet?</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/what-affects-interest-rates" data-path="/content/bmh/en/personal-banking/what-affects-interest-rates" data-language="en-US" hreflang="en-US" data-subtopic="how-banks-work" data-type="Video" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--how-banks-work mosaic-item--Video-dimensions"> <div class="Video mosaic-item mosaic-item--Video template-theme--cx" data-featured="true" data-orientation="Video" style="background-image: url( /content/dam/bmh/mosaic-images/personal-banking/Why-interest-rates-go-up-and-down.jpg.transform/bmh-jpg-optimize/image.jpg)"> <div class="mosaic-item__cta mosaic-item__cta--Video"> <i class="icon icon--Video mosaic-item__icon mosaic-item__icon--Video" aria-hidden="true"></i> <div class="mosaic-item__video-text"> <h3 class="mosaic-item__video-text__title ">What an interest rate increase—or decrease—really means</h3> <span class="mosaic-item__video-text__cta-text js-mosaic-item__cta-text"> Watch video </span> </div> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/piggy-bank-for-kids" data-path="/content/bmh/en/personal-banking/piggy-bank-for-kids" data-language="en-US" hreflang="en-US" data-subtopic="teaching-kids-about-money" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--teaching-kids-about-money mosaic-item--Infographic-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/mosaic-images/personal-banking/introducing-the-3-little-piggy-banks.svg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> How to teach children the basics of budgeting</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/banking-for-international-students" data-path="/content/bmh/en/personal-banking/banking-for-international-students" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--managing-bank-accounts mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> International student? 7 reasons why opening a U.S. bank account can help</h3> <p class="mosaic-item__description">Learn how a U.S. bank account can help you save on transaction fees and make it easier to manage your finances.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/international-student-bank-account" data-path="/content/bmh/en/personal-banking/international-student-bank-account" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--managing-bank-accounts mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> A guide to U.S. banking for international students</h3> <p class="mosaic-item__description">Moving to the U.S. as a student means also learning about American financial institutions. Check out this guide to get started banking in the U.S.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/tips-teach-your-college-age-kids-financial-responsibility?src_cd=bac_college" target="_blank" data-path="https://www.merrilledge.com/article/tips-teach-your-college-age-kids-financial-responsibility?src_cd=bac_college" data-language="en-US" hreflang="en-US" data-subtopic="teaching-kids-about-money" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--teaching-kids-about-money mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Tips to Teach Your College Age Kids Financial Responsibility</h3> <p class="mosaic-item__description">There's no age limit for helping your kids learn to manage money. Explore our tips for letting your college age kids benefit from your experience. </p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com </span> </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/how-to-pay-with-your-phone-using-digital-wallets" data-path="/content/bmh/en/personal-banking/how-to-pay-with-your-phone-using-digital-wallets" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--managing-bank-accounts mosaic-item--Article-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Infographic text--template-theme-color-cx"> How to pay using your phone</h3> <p class="mosaic-item__description">Make paying for things easier with a Digital Wallet. Learn how to set up—and use—your phone for a seamless shopping experience.</p> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> <a href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/managing-your-first-debit-card" data-path="/content/bmh/en/personal-banking/managing-your-first-debit-card" data-language="en-US" hreflang="en-US" data-subtopic="managing-bank-accounts" data-type="Infographic" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--managing-bank-accounts mosaic-item--Infographic-dimensions" tabindex="0"> <div class="Infographic mosaic-item--Infographic template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Infographic"> <div class="mosaic-item__image mosaic-item__image--Infographic" style="background-image: url( /content/dam/bmh/mosaic-images/saving-budgeting/2artboard-1.svg)"></div> <h3 class="mosaic-item__title mosaic-item__title--Infographic "> Teen guide: How to handle your first debit card</h3> <div class="mosaic-item__cta "> <i class="icon icon--Infographic mosaic-item__icon mosaic-item__icon--Infographic " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> View infographic </span> </div> </div> </a> </div> <div class="show-more topicfilter__show-more js-topicfilter__show-more"> <a href="javascript:void(0);" data-bactmln="topic-page-_-Hyperlink-_-ShowMore" class="show-more__button js-topicfilter__show-more-btn t-track-body-copy-link" tabindex="0" role="button">Show More </a> </div> <div> </div> </div> </div> <div><div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item-- mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview-true mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="4" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">There’s a difference between debit and credit cards. Debit cards access money you have. Credit cards borrow money.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/difference-between-debit-and-credit" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/personal-banking/difference-between-debit-and-credit" tabindex="0" role="button"> <span class="accessibility-hidden"> DID YOU KNOW? There’s a difference between debit and credit cards. Debit cards access money you have. Credit cards borrow money. </span>Learn more </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--how-banks-work mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="how-banks-work" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Some bank accounts require a minimum or average balance. If you drop below it, you may have to pay a fee.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/choosing-bank-account-questions" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/personal-banking/choosing-bank-account-questions" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? Some bank accounts require a minimum or average balance. If you drop below it, you may have to pay a fee. </span>Learn about accounts </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--teaching-kids-about-money mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="5" data-subtopic="teaching-kids-about-money" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">Regardless of if they have an allowance, teaching kids to save can help them learn about delayed gratification.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/piggy-bank-for-kids" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/personal-banking/piggy-bank-for-kids" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? Regardless of if they have an allowance, teaching kids to save can help them learn about delayed gratification. </span>Start teaching </a> </div> </div> <div class="aem-wrap--quiz section"> <div class="quiz quiz--type1 quiz--8ad389ec-3d15-3a17-a9cd-7687d5497de6 js-quiz mosaic-item mosaic-item--quiz mosaic-item--teaching-kids-about-money js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true template-theme--cx" data-action="quiz" data-position="2" data-subtopic="teaching-kids-about-money"> <input class="quiz--currentPagePath" type="hidden" value="/content/bmh/en/personal-banking"/> <input class="quiz--type" type="hidden" value="type1"/> <h3 class="quiz-title"> Poll </h3> <form> <fieldset class="quiz-question"> <legend class="quiz-question__content">Does your child have a savings account?</legend> <div class="quiz-question__responses"> <a href="#" data-role="8ad389ec-3d15-3a17-a9cd-7687d5497de6" question-id="topic-link-yes--his-her-own" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_does_your_child_have_a_savings_account_answer_yes__his_her_own" tabindex="0" role="button" aria-label="Yes, his/her own">Yes, his/her own </a> <a href="#" data-role="8ad389ec-3d15-3a17-a9cd-7687d5497de6" question-id="topic-link-yes--custodial" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_does_your_child_have_a_savings_account_answer_yes__custodial" tabindex="0" role="button" aria-label="Yes, custodial">Yes, custodial </a> <a href="#" data-role="8ad389ec-3d15-3a17-a9cd-7687d5497de6" question-id="topic-link-no" class="t-track-quiz-response js-quiz-response quiz-question__response incorrect background--template-theme-color-cx" data-bactmln="poll-_-click-_-question_does_your_child_have_a_savings_account_answer_no" tabindex="0" role="button" aria-label="No">No </a> </div> </fieldset> </form> <div class="quiz-answer__resolve-screen type1" aria-hidden="true" aria-live="assertive"> <div class="quiz-answer-status__percentage"> <div class="quiz-answer-status__poll-percentage"> <ul> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-yes--his-her-own"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Yes, his/her own</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-yes--custodial"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> Yes, custodial</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> <li class="js-quiz-response-option quiz-response-percent" data-role="topic-link-no"> <span class="quiz-response-percent__text"><strong class="accessibility-hidden">Response label </strong> No</span> <span class="quiz-response-percent__percentage" aria-label=""><strong class="accessibility-hidden">Response result </strong><span class="js-quiz-response-percent-percentage"></span></span> <div class="quiz-bar-chart"> <div class="quiz-bar-chart__amount background--template-theme-color-cx"></div> </div> </li> </ul> </div> </div> <div class="quiz-answer__content-helper-wrapper"> <div class="quiz-answer__content-helper"> <p class="quiz-answer__content correct">Youth savings accounts and custodial accounts introduce kids to banking and saving for a goal, while also putting their cash out of reach. </p> <p class="quiz-answer__content incorrect">Youth savings accounts and custodial accounts introduce kids to banking and saving for a goal, while also putting their cash out of reach. </p> </div> <a class="t-track-quiz-cta quiz-answer__related-link background--template-theme-color-cx " href="https://bettermoneyhabits.bankofamerica.com/en/personal-banking/best-savings-accounts-for-kids" tabindex="-1" data-bactmln="poll-_-submit-_-question_does_your_child_have_a_savings_account_" hreflang="en-US"> Learn more </a> </div> </div> </div> </div> <div class="aem-wrap--dislosure-container section"> <div class="dislosure-container js-dislosure-container" data-action="dislosureContainer"> <div class="row row--text"> <div class="column column--span-1-1"> <div> <div class="disclosure js-disclosure"><div class="aem-wrap--text-latest section"> <div class="text-latest" 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