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data-module-ref="deposits/common-scripts-deposits-module" data-options='{"debug":false,"getRatesUrl":"/salesservices/getProductById?epcCode=","cookieExistUrl":"/salesservices/smsessionCookieExist","initMethods":"eProductSingleCallHandler","epcCodeList":"","actionFunction":"","triggerIraEvents":""}' data-init="commonScriptsDepositsModuleJS" data-module-parameters='{"epcCodeList":[],"initMethods":["eProductSingleCallHandler"],"triggerIraEvents":[]}' class="common-scripts-deposits-module-class-v-18-0-0 common-scripts-deposits-module spa-module-init"></div></div></div></section><section class="small-centered section-engagement full-width-row"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="engagementAdvantageModule" data-component="module" data-module="engagement-advantage-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/engagement-advantage-module" data-options="{}" data-init="EngagementAdvantageModule" data-module-parameters="{}" class="engagement-advantage-module-class-v-1-0-0 engagement-advantage-module spa-module-init"><div id="engagement-outer-container"><div class="engagement-background row" style="background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-advantage-module-engagement_background-CSX6ffd1447.svg)"><div class="engagement-inner-container"><div class="text-container"><h1 class="header-text">Bank of America<br aria-hidden="true">Advantage Banking</h1><p class="sub-header-text">Get the flexibility you deserve. Choose a checking account to meet you where you are in your journey.</p></div><div class="header-phone-container show-for-large-up"><img class="phone-image" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-engagement-advantage-module-header_phone_card-CSX3b9e381f.svg" alt=""></div></div></div></div></div></div></div></section><section class="small-centered section-product-cards"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="product-cards-module-section" data-component="module" data-module="product-cards-module" data-module-container="3.1.4" data-version="2.0.0" data-sparta-load="primary" data-module-ref="deposits/product-cards-module" data-options="{}" data-init="ProductCardsModule" data-module-parameters="{}" class="product-cards-module-class-v-2-0-0 product-cards-module spa-module-init"><div class="row"><div class="columns small-12 large-10 small-centered product-cards-large-container show-for-large-up"><div class="cells"><div class="row product-cards-row card-sticky-container spa-sticky" data-sticky-level="1"><div class="sticky-button-wrapper"><button class="spa-btn spa-btn--link sticky__stick hidden sticky-button" type="button">Stick<span class="ada-hidden"> checking account options to top of page</span></button> <button class="spa-btn spa-btn--link sticky__unstick unsticky-button" type="button">Unstick<span class="ada-hidden"> checking account options from top of page</span></button></div><div class="columns card-item-column small-12 large-4 equalize-height hidden card-family-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Parent-owned</div></div></div><div class="spa-card__body"><div class="card-wrapper"><span class="product-title">SafeBalance Banking<sup>®</sup> <span class="title-sub">for Family Banking</span></span><p class="product-desc">A parent-owned account that your child can use</p><div class="open-now-btn"><a id="open-now-sb" href="/deposits/checking/safebalance-familybanking-account/before-you-apply/" class="open-now-btn spa-btn spa-btn--primary spa-btn--medium">Open now <span class="ada-hidden">- SafeBalance Banking for Family Banking</span></a></div><div class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</div><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeFamilyBanking","width":"343px"}" rel="tooltipFeeFamilyBanking" id="tooltipfee-family" type="button">Monthly maintenance fee <span class="ada-hidden">- SafeBalance Banking for Family Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button><ul class="desc-list"><li class="details-list"><p class="details-desc">Parental controls and alerts on spending</p></li><li class="details-list"><p class="details-desc">No monthly fee until child is age 25<sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link1" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li><li class="details-list"><p class="details-desc">Debit card and online access available for your child</p></li></ul><p class="details-foot-text">For existing customers<sup><a class="spa-footnote-link" id="ftn_advantageFamilyBanking_link3" data-footnote-content="To open the Advantage SafeBalance Banking® for Family Banking account, you must already have a personal Bank of America checking or savings account. Small business and Merrill Lynch accounts do not qualify. You must also have an Online Banking login." data-footnote="advantageFamilyBanking" href="#ftn_advantageFamilyBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup>, online application only</p></div></div></div></div><div class="columns card-item-column small-12 large-4 equalize-height"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Simple</div></div></div><div class="spa-card__body"><div class="card-wrapper"><span class="product-title">Advantage <span class="title-sub">SafeBalance Banking</span></span><p class="product-desc">Simple banking with an easy-to-use experience</p><div class="open-now-btn"><a id="open-now-adv" href="/deposits/checking/advantage-safebalance-banking-account/before-you-apply/" class="open-now-btn spa-btn spa-btn--primary spa-btn--medium">Open now <span class="ada-hidden">- Advantage SafeBalance Banking</span></a></div><div class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</div><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeSafeBalance","width":"343px"}" rel="tooltipFeeSafeBalance" id="tooltipfee-safebalance" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage SafeBalance Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button><ul class="desc-list"><li class="details-list"><p class="details-desc">Digital banking — no paper check writing</p></li><li class="details-list"><p class="details-desc">A great start for students and young adults — no monthly fee if under age 25<sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link2" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li><li class="details-list"><p class="details-desc">Helps prevent overspending — no Overdraft Item Fees<sup><a class="spa-footnote-link" id="ftn_overDraftItemFee_link4" data-footnote-content="While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won't charge you an Overdraft Item Fee." data-footnote="overDraftItemFee" href="#ftn_overDraftItemFee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li></ul></div></div></div></div><div class="columns card-item-column small-12 large-4 equalize-height"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Flexible</div></div></div><div class="spa-card__body"><div class="card-wrapper"><span class="product-title">Advantage <span class="title-sub">Plus Banking</span></span><p class="product-desc">Flexible banking to meet your needs</p><div class="open-now-btn"><a id="open-now-advplus" href="/deposits/checking/advantage-plus-banking-account/before-you-apply/" class="open-now-btn spa-btn spa-btn--primary spa-btn--medium">Open now <span class="ada-hidden">- Advantage Plus Banking</span></a></div><div class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</div><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeAdvantagePlus","width":"343px"}" rel="tooltipFeeAdvantagePlus" id="tooltipfee-plus" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage Plus Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button><ul class="desc-list"><li class="details-list"><p class="details-desc">Digital banking with a variety of payment options</p></li><li class="details-list"><p class="details-desc">Multiple ways to waive your monthly maintenance fee, including direct deposit</p></li><li class="details-list"><p class="details-desc">Offers Balance Connect<sup>®</sup> for overdraft protection<sup><a class="spa-footnote-link" id="ftn_balanceConnectOverDraftProtection_link5" data-footnote-content="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 accounts 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 a brokerage account with Merrill Lynch that is enrolled in margin lending, a Loan Management Account (LMA®), a credit card, or a Home Equity Line of Credit (HELOC) are subject to interest charges. Please see the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> for more information about eligibility and how Balance Connect® transfers work." data-footnote="balanceConnectOverDraftProtection" href="#ftn_balanceConnectOverDraftProtection_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li></ul></div></div></div></div><div class="columns card-item-column small-12 large-4 equalize-height"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Comprehensive</div></div></div><div class="spa-card__body"><div class="card-wrapper"><span class="product-title">Advantage <span class="title-sub">Relationship Banking</span></span><p class="product-desc">Comprehensive banking to make the most of your banking relationship</p><div class="open-now-btn"><a id="open-now-advrelation" href="/deposits/checking/advantage-relationship-banking-account/before-you-apply/" class="open-now-btn spa-btn spa-btn--primary spa-btn--medium">Open now <span class="ada-hidden">- Advantage Relationship Banking</span></a></div><div class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</div><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeRelationship","width":"343px"}" rel="tooltipFeeRelationship" id="tooltipfee-relation" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage Relationship Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button><ul class="desc-list"><li class="details-list"><p class="details-desc">Earns interest</p></li><li class="details-list"><p class="details-desc">$0 monthly maintenance fee on up to 7 eligible accounts when you link<sup><a class="spa-footnote-link" id="ftn_primaryAdvantageRelationshipBanking_link6" data-footnote-content="Eligible accounts include 3 additional Advantage Relationship Banking or Advantage with Tiered Interest Checking accounts and 4 savings accounts with no monthly maintenance fee when you ask us to link them to your primary Advantage Relationship Banking account." data-footnote="primaryAdvantageRelationshipBanking" href="#ftn_primaryAdvantageRelationshipBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> them to your primary Relationship Banking account</p></li><li class="details-list"><p class="details-desc">No fees on select banking services<sup><a class="spa-footnote-link" id="ftn_bankingServiceNoFees_link7" data-footnote-content=" No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees </a>for details." data-footnote="bankingServiceNoFees" href="#ftn_bankingServiceNoFees_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li></ul></div></div></div></div><div id="tooltipFeeFamilyBanking" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeFamilyBanking_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">SafeBalance Banking<sup>®</sup> for Family Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">Your child is under <b>age 25</b><sup>[1]</sup></p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program.</b><sup>[2]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. Please refer to the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" class="qual-deposit-link" target="_blank">Personal Schedule of Fees</a> for more information.</li><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>. For SafeBalance Banking<sup>®</sup> for Family Banking accounts, the parent owner can participate in the Preferred Rewards program but their child using the account cannot.</li></ol></div></div></div><div id="tooltipFeeSafeBalance" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeSafeBalance_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">Advantage SafeBalance Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">An account owner is under <b>age 25</b><sup>[1]</sup></p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program.</b><sup>[2]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">When you add an owner under the age of 25 to an existing account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. Please refer to the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" class="qual-deposit-link" target="_blank">Personal Schedule of Fees</a> for more information</li><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>.</li></ol></div></div></div><div id="tooltipFeeAdvantagePlus" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeAdvantagePlus_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">Advantage Plus Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">You have at least 1 <a id="qualifying-deposit" href="https://www.bankofamerica.com/deposits/account-rates-fees-faqs/#qualifying-direct-deposits" class="qual-deposit-link" target="_blank">qualifying direct deposit</a> of <span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="directDeposit">$XXXX</span> or more made to your account</p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program</b><sup>[1]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>.</li></ol></div></div></div><div id="tooltipFeeRelationship" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeRelationship_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">Advantage Relationship Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program</b><sup>[1]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>.</li></ol></div></div></div></div></div></div><div class="small-carousel-container columns small-12 medium-8 small-centered hide-for-large-up"><div id="product-cards-carousel-module" data-component="module" data-module="product-cards-small-carousel-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/product-cards-small-carousel-module" data-options="{}" data-init="ProductCardsSmallCarouselModule" data-module-parameters="{}" class="product-cards-small-carousel-module-class-v-1-0-0 product-cards-small-carousel-module spa-module-init"><div class="sticky spa-sticky cards-small-sticky-container" data-sticky-level="1"><div class="sticky-button-wrapper"><button class="spa-btn spa-btn--link sticky__stick hidden sticky-button" type="button">Stick<span class="ada-hidden"> checking account options to top of page</span></button> <button class="spa-btn spa-btn--link sticky__unstick unsticky-button" type="button">Unstick<span class="ada-hidden"> checking account options from top of page</span></button></div><div class="cards-small-carousel-container"><div class="card-skeleton card-skeleton-left"><div class="static-card static-card--left"><div class="static-card--content"><div class="red-header red-header--left"></div></div></div></div><section id="product-cards-small-carousel" class="spa-carousel product-cards-small-carousel carousel__nav--outside" aria-roledescription="carousel" data-options="{"controlsPosition":"outside","enableOverrideGestureThreshold":true}"><div class="carousel__slide-wrapper"><div aria-live="polite" class="ada-hidden spa-aria-live"></div><div class="carousel__slides"><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="plus-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Flexible</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> Advantage <br aria-hidden="true">Plus Banking</p><div class="desc-wrapper"><p class="product-desc">Flexible banking with more features and options</p></div><div class="open-now-btn"><a id="open-now-advplus-small" href="/deposits/checking/advantage-plus-banking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- Advantage Plus Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeAdvantagePlusSmall","position":"top"}" rel="tooltipFeeAdvantagePlusSmall" id="tooltipfee-plus-small" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage Plus Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Digital banking with a variety of payment options</li><li class="desc-list-item">Multiple ways to waive your monthly maintenance fee, including direct deposit</li><li class="desc-list-item">Offers Balance Connect® for overdraft protection<sup><a class="spa-footnote-link" id="ftn_balanceConnectOverDraftProtection_link9" data-footnote-content="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 accounts 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 a brokerage account with Merrill Lynch that is enrolled in margin lending, a Loan Management Account (LMA®), a credit card, or a Home Equity Line of Credit (HELOC) are subject to interest charges. Please see the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> for more information about eligibility and how Balance Connect® transfers work." data-footnote="balanceConnectOverDraftProtection" href="#ftn_balanceConnectOverDraftProtection_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li></ul></div></div></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="relationship-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Comprehensive</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> Advantage <br aria-hidden="true">Relationship Banking</p><div class="desc-wrapper"><p class="product-desc">Comprehensive banking that unlocks additional benefits</p></div><div class="open-now-btn"><a id="open-now-advrelation-small" href="/deposits/checking/advantage-relationship-banking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- Advantage Relationship Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeRelationshipSmall","position":"top"}" rel="tooltipFeeRelationshipSmall" id="tooltipfee-relationship-small" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage Relationship Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Earns interest</li><li class="desc-list-item">$0 monthly maintenance fee on up to 7 eligible accounts when you link<sup><a class="spa-footnote-link" id="ftn_primaryAdvantageRelationshipBanking_link11" data-footnote-content="Eligible accounts include 3 additional Advantage Relationship Banking or Advantage with Tiered Interest Checking accounts and 4 savings accounts with no monthly maintenance fee when you ask us to link them to your primary Advantage Relationship Banking account." data-footnote="primaryAdvantageRelationshipBanking" href="#ftn_primaryAdvantageRelationshipBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> them to your primary Relationship Banking account</li><li class="desc-list-item">No fees on select banking services<sup><a class="spa-footnote-link" id="ftn_bankingServiceNoFees_link13" data-footnote-content=" No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees </a>for details." data-footnote="bankingServiceNoFees" href="#ftn_bankingServiceNoFees_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li></ul></div></div></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="safebalance-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Simple</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> Advantage <br aria-hidden="true">SafeBalance Banking</p><div class="desc-wrapper"><p class="product-desc">Simple banking with an easy-to-use experience</p></div><div class="open-now-btn"><a id="open-now-adv-small" href="/deposits/checking/advantage-safebalance-banking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- Advantage SafeBalance Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeSafeBalanceSmall","position":"top"}" rel="tooltipFeeSafeBalanceSmall" id="tooltipfee-safebalance-small" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage SafeBalance Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Digital banking — no paper check writing</li><li class="desc-list-item">A great start for students and young adults — no monthly fee if under age 25<sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link2" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li><li class="desc-list-item">Helps prevent overspending — no Overdraft Item Fees<sup><a class="spa-footnote-link" id="ftn_overDraftItemFee_link7" data-footnote-content="While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won't charge you an Overdraft Item Fee." data-footnote="overDraftItemFee" href="#ftn_overDraftItemFee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li></ul></div></div></div></div></div></div></div></div></section><section id="product-cards-small-carousel-fb" class="spa-carousel product-cards-small-carousel product-cards-small-carousel-fb hidden carousel__nav--outside" aria-roledescription="carousel" data-options="{"controlsPosition":"outside","enableOverrideGestureThreshold":true}"><div class="carousel__slide-wrapper"><div aria-live="polite" class="ada-hidden spa-aria-live"></div><div class="carousel__slides"><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="plus-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Flexible</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> Advantage <br aria-hidden="true">Plus Banking</p><div class="desc-wrapper"><p class="product-desc">Flexible banking to meet your needs</p></div><div class="open-now-btn"><a id="open-now-advplus-small" href="/deposits/checking/advantage-plus-banking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- Advantage Plus Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeAdvantagePlusSmall","position":"top"}" rel="tooltipFeeAdvantagePlusSmall" id="tooltipfee-plus-small" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage Plus Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Digital banking with a variety of payment options</li><li class="desc-list-item">Multiple ways to waive your monthly maintenance fee, including direct deposit</li><li class="desc-list-item">Offers Balance Connect® for overdraft protection<sup><a class="spa-footnote-link" id="ftn_balanceConnectOverDraftProtection_link10" data-footnote-content="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 accounts 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 a brokerage account with Merrill Lynch that is enrolled in margin lending, a Loan Management Account (LMA®), a credit card, or a Home Equity Line of Credit (HELOC) are subject to interest charges. Please see the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> for more information about eligibility and how Balance Connect® transfers work." data-footnote="balanceConnectOverDraftProtection" href="#ftn_balanceConnectOverDraftProtection_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li></ul></div></div></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="relationship-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Comprehensive</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> Advantage <br aria-hidden="true">Relationship Banking</p><div class="desc-wrapper"><p class="product-desc">Comprehensive banking to make the most of your banking relationship</p></div><div class="open-now-btn"><a id="open-now-advrelation-small" href="/deposits/checking/advantage-relationship-banking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- Advantage Relationship Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeRelationshipSmall","position":"top"}" rel="tooltipFeeRelationshipSmall" id="tooltipfee-relationship-small" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage Relationship Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Earns interest</li><li class="desc-list-item">$0 monthly maintenance fee on up to 7 eligible accounts when you link<sup><a class="spa-footnote-link" id="ftn_primaryAdvantageRelationshipBanking_link12" data-footnote-content="Eligible accounts include 3 additional Advantage Relationship Banking or Advantage with Tiered Interest Checking accounts and 4 savings accounts with no monthly maintenance fee when you ask us to link them to your primary Advantage Relationship Banking account." data-footnote="primaryAdvantageRelationshipBanking" href="#ftn_primaryAdvantageRelationshipBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> them to your primary Relationship Banking account</li><li class="desc-list-item">No fees on select banking services<sup><a class="spa-footnote-link" id="ftn_bankingServiceNoFees_link14" data-footnote-content=" No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees </a>for details." data-footnote="bankingServiceNoFees" href="#ftn_bankingServiceNoFees_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li></ul></div></div></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="family-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Parent-owned</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> SafeBalance Banking<sup>®</sup> <br aria-hidden="true">for Family Banking</p><div class="desc-wrapper"><p class="product-desc">A parent-owned account that your child can use</p></div><div class="open-now-btn"><a id="open-now-sb-small" href="/deposits/checking/safebalance-familybanking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- SafeBalance Banking for Family Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeFamilyBankingSmall"}" rel="tooltipFeeFamilyBankingSmall" id="tooltipfee-family-small" type="button">Monthly maintenance fee <span class="ada-hidden">- SafeBalance Banking for Family Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Parental controls and alerts on spending</li><li class="desc-list-item">No monthly fee until child is age 25<sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link3" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li><li class="desc-list-item">Debit card and online access available for your child</li></ul><p class="details-foot-text">For existing customers<sup><a class="spa-footnote-link" id="ftn_advantageFamilyBanking_link6" data-footnote-content="To open the Advantage SafeBalance Banking® for Family Banking account, you must already have a personal Bank of America checking or savings account. Small business and Merrill Lynch accounts do not qualify. You must also have an Online Banking login." data-footnote="advantageFamilyBanking" href="#ftn_advantageFamilyBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup>, online application only</p></div></div></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="cards-small-carousel--wrapper" data-product-identifier="safebalance-banking"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper spa-card__head-wrapper-red"><div class="spa-card__title">Simple</div></div></div><div class="spa-card__body"><div class="card-wrapper"><p class="product-title" role="text"> Advantage <br aria-hidden="true">SafeBalance Banking</p><div class="desc-wrapper"><p class="product-desc">Simple banking with an easy-to-use experience</p></div><div class="open-now-btn"><a id="open-now-adv-small" href="/deposits/checking/advantage-safebalance-banking-account/before-you-apply/" class="open-now-btn spa-btn--block spa-btn spa-btn--primary spa-btn--small">Open now <span class="ada-hidden">- Advantage SafeBalance Banking</span></a></div><p class="fee-details"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><div class="tooltip-button-container"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"tooltipFeeSafeBalanceSmall","position":"top"}" rel="tooltipFeeSafeBalanceSmall" id="tooltipfee-safebalance-small" type="button">Monthly maintenance fee <span class="ada-hidden">- Advantage SafeBalance Banking</span><span class="spa-ada-text ada-hidden"> popup</span></button></div><ul class="description-list"><li class="desc-list-item">Digital banking — no paper check writing</li><li class="desc-list-item">A great start for students and young adults — no monthly fee if under age 25<sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link4" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li><li class="desc-list-item">Helps prevent overspending — no Overdraft Item Fees<sup><a class="spa-footnote-link" id="ftn_overDraftItemFee_link8" data-footnote-content="While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won't charge you an Overdraft Item Fee." data-footnote="overDraftItemFee" href="#ftn_overDraftItemFee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></li></ul></div></div></div></div></div></div></div></div></section><div class="card-skeleton card-skeleton-right"><div class="static-card static-card--right"><div class="static-card--content"><div class="red-header"></div></div></div></div><div id="tooltipFeeFamilyBankingSmall" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeFamilyBankingSmall_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">SafeBalance Banking<sup>®</sup> for Family Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">Your child is under <b>age 25</b><sup>[1]</sup></p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program.</b><sup>[2]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. Please refer to the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" class="qual-deposit-link" target="_blank">Personal Schedule of Fees</a> for more information.</li><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>. For SafeBalance Banking<sup>®</sup> for Family Banking accounts, the parent owner can participate in the Preferred Rewards program but their child using the account cannot.</li></ol></div></div></div><div id="tooltipFeeSafeBalanceSmall" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeSafeBalanceSmall_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">Advantage SafeBalance Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">An account owner is under <b>age 25</b><sup>[1]</sup></p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program.</b><sup>[2]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">When you add an owner under the age of 25 to an existing account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. Please refer to the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" class="qual-deposit-link" target="_blank">Personal Schedule of Fees</a> for more information</li><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>.</li></ol></div></div></div><div id="tooltipFeeAdvantagePlusSmall" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeAdvantagePlusSmall_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">Advantage Plus Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">You have at least 1 <a id="qualifying-deposit-small" href="https://www.bankofamerica.com/deposits/account-rates-fees-faqs/#qualifying-direct-deposits" class="qual-deposit-link" target="_blank">qualifying direct deposit</a> of <span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="directDeposit">$XXXX</span> or more made to your account</p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program</b><sup>[1]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>.</li></ol></div></div></div><div id="tooltipFeeRelationshipSmall" class="hide" data-options="{"type":"info"}"><h3 id="tooltipFeeRelationshipSmall_title" class="spa-ui-layer-title" data-font="cnx-bold">Monthly maintenance fee</h3><div class="content"><p class="tooltip-txt">Advantage Relationship Banking</p><h2 class="mmfee"><span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</h2><p class="tooltip-txt">$0 for each statement cycle that:</p><div class="content-list"><p class="list-items">You maintain a minimum daily balance of <span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="minimumBalanceToSkipMonthlyFees">$XXXX</span> or more in your account</p><p class="list-items">OR</p><p class="list-items">An account owner is a <b>member of the</b> <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a> <b>program</b><sup>[1]</sup></p></div><div class="footnote-list"><ol class="inside"><li class="list-items1">For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a id="pref-rewards-small" href="https://promotions.bankofamerica.com/preferredrewards/en" class="pref-rewards-link" target="_blank">Preferred Rewards</a>.</li></ol></div></div></div></div></div></div></div></div></div></div></div></section><section class="small-centered section-toggle"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="toggleProductDetails" data-component="module" data-module="toggle-product-details-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/toggle-product-details-module" data-options="{}" data-init="ToggleProductDetailsModule" data-module-parameters="{}" class="toggle-product-details-module-class-v-1-0-0 toggle-product-details-module spa-module-init"><div class="row"><div class="columns small-centered large-10 toggle-large-container"><div id="toggle-outer-container"><span class="hidden" id="toggle-hide-title" data-hide-title="Hide all checking account details" data-show-title="Show all checking account details"></span><section data-sparta-show-hide-id="account-details-toggle" aria-label=" "><div class="sparta-show-hider"><button class="spa-show-hide-control" type="button" aria-expanded="false" aria-controls="account-details-toggle"><label for="account-details-toggle" class="show-hide-button-text">Show all checking account details<span class="ada-hidden"> </span></label><span class="chevron spa-icon icon-chevron-down show-hide-button-arrow"></span></button></div><div class="sparta-show-hidee" id="account-details-toggle"><div id="productDetails" data-component="module" data-module="product-details-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/product-details-module" data-options="{}" data-init="ProductDetailsModule" data-module-parameters="{}" class="product-details-module-class-v-1-0-0 product-details-module spa-module-init"><div class="row"><div class="columns small-centered"><div class="squeezebox-container"><div class="squeezebox-item"><section class="squeezebox-wrapper" id="acccount-details-sq-box" data-one-at-a-time="" data-squeezebox-type=""><a href="#" class="spa-hidden spa-squeezebox-link" aria-hidden="true" data-breakout>Expand all panels</a><div class="squeezebox-panels"><div class="squeezebox-panel active" id="acccount-details-sq-boxPanel0" data-slug="acccount-details-sq-boxPanel0"><button name="Highlights" class="panel-header spa-oline gray spa-btn spa-btn--link" data-panel="acccount-details-sq-boxPanel0" data-bactmln="account-highlights-sq-box" type="button" aria-controls="acccount-details-sq-boxPanel0"><span class="spa-squeezebox-arrow spa-icon"></span>Highlights <span class="ada-hidden"></span></button><div class="panel-content gray"><div class="content"><div class="row"><div class="column"><div class="sq-item-container sq-item-highlights row"><div class="columns large-4 item-details-column equalize-height divider--vertical-right hidden family-banking" data-product-name="family-banking"><p class="item-header">Bank of America Advantage SafeBalance Banking<sup>®</sup> for Family Banking</p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">$0 Liability Guarantee<sup><a class="spa-footnote-link" id="ftn_liabilityGuarentee_link11" data-footnote-content="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. " data-footnote="liabilityGuarentee" href="#ftn_liabilityGuarentee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Custom alerts <sup><a class="spa-footnote-link" id="ftn_alertsReceivedTextMessages_link15" data-footnote-content="You may elect to receive alerts via text or email. Bank of America does not charge for this service, but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage." data-footnote="alertsReceivedTextMessages" href="#ftn_alertsReceivedTextMessages_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Erica<sup>®</sup> virtual financial assistant age 13+ <sup><a class="spa-footnote-link" id="ftn_ericaVirtualAssistance_link19" data-footnote-content="The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Your chat may be monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica." data-footnote="ericaVirtualAssistance" href="#ftn_ericaVirtualAssistance_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"parentalControlsContentLayer","width":"343px"}" rel="parentalControlsContentLayer" id="parental-controls-tooltip" type="button">Parental controls<span class="spa-ada-text ada-hidden"> popup</span></button></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Parent can withdraw and deposit money with <button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"limitationsOnDepositsLayer","width":"343px"}" rel="limitationsOnDepositsLayer" id="limitations-deposits-tooltip" type="button">limitations on deposits<span class="spa-ada-text ada-hidden"> popup</span></button></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Optional child debit card and Online Banking login <button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"loginLimitationsLayer","width":"343px"}" rel="loginLimitationsLayer" id="with-limitations-tooltip" type="button">with limitations<span class="spa-ada-text ada-hidden"> popup</span></button></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Child can withdraw, but not deposit money</span></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right safebalance-banking" data-product-name="safebalance-banking"><p class="item-header">Bank of America Advantage SafeBalance Banking<sup>®</sup></p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">$0 Liability Guarantee<sup><a class="spa-footnote-link" id="ftn_liabilityGuarentee_link12" data-footnote-content="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. " data-footnote="liabilityGuarentee" href="#ftn_liabilityGuarentee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Custom alerts<sup><a class="spa-footnote-link" id="ftn_alertsReceivedTextMessages_link16" data-footnote-content="You may elect to receive alerts via text or email. Bank of America does not charge for this service, but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage." data-footnote="alertsReceivedTextMessages" href="#ftn_alertsReceivedTextMessages_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Erica<sup>®</sup> virtual financial assistant<sup><a class="spa-footnote-link" id="ftn_ericaVirtualAssistance_link20" data-footnote-content="The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Your chat may be monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica." data-footnote="ericaVirtualAssistance" href="#ftn_ericaVirtualAssistance_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"directDepositLayer","width":"321px"}" rel="directDepositLayer" id="direct-deposit1-tooltip" type="button">Direct deposit<span class="spa-ada-text ada-hidden"> popup</span></button></span></li><li class="list-item"><div class="extra-content"><img class="image-content" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-bankon-CSXf2da11e9.svg" aria-hidden="true"><div class="text-content"><p>Bank On certified</p><p class="text-description">SafeBalance<sup>®</sup> is certified as meeting Bank On National Account Standards for safe and affordable bank accounts.</p></div></div></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right active-product plus-banking" data-product-name="plus-banking"><p class="item-header">Bank of America Advantage Plus Banking<sup>®</sup></p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">$0 Liability Guarantee<sup><a class="spa-footnote-link" id="ftn_liabilityGuarentee_link13" data-footnote-content="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. " data-footnote="liabilityGuarentee" href="#ftn_liabilityGuarentee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Custom alerts<sup><a class="spa-footnote-link" id="ftn_alertsReceivedTextMessages_link17" data-footnote-content="You may elect to receive alerts via text or email. Bank of America does not charge for this service, but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage." data-footnote="alertsReceivedTextMessages" href="#ftn_alertsReceivedTextMessages_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Erica<sup>®</sup> virtual financial assistant<sup><a class="spa-footnote-link" id="ftn_ericaVirtualAssistance_link21" data-footnote-content="The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Your chat may be monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica." data-footnote="ericaVirtualAssistance" href="#ftn_ericaVirtualAssistance_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"directDepositLayer","width":"321px"}" rel="directDepositLayer" id="direct-deposit2-tooltip" type="button">Direct deposit<span class="spa-ada-text ada-hidden"> popup</span></button></span></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right relationship-banking" data-product-name="relationship-banking"><p class="item-header">Bank of America Advantage Relationship Banking<sup>®</sup></p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">$0 Liability Guarantee<sup><a class="spa-footnote-link" id="ftn_liabilityGuarentee_link14" data-footnote-content="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. " data-footnote="liabilityGuarentee" href="#ftn_liabilityGuarentee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Custom alerts<sup><a class="spa-footnote-link" id="ftn_alertsReceivedTextMessages_link18" data-footnote-content="You may elect to receive alerts via text or email. Bank of America does not charge for this service, but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage." data-footnote="alertsReceivedTextMessages" href="#ftn_alertsReceivedTextMessages_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Erica<sup>®</sup> virtual financial assistant <sup><a class="spa-footnote-link" id="ftn_ericaVirtualAssistance_link22" data-footnote-content="The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Your chat may be monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica." data-footnote="ericaVirtualAssistance" href="#ftn_ericaVirtualAssistance_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"directDepositLayer","width":"321px"}" rel="directDepositLayer" id="direct-deposit3-tooltip" type="button">Direct deposit<span class="spa-ada-text ada-hidden"> popup</span></button></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"earnsInterestLayer","width":"321px"}" rel="earnsInterestLayer" id="earns-interest-tooltip" type="button">Earns interest<span class="spa-ada-text ada-hidden"> popup</span></button> <sup><a class="spa-footnote-link" id="ftn_annualPercentageYield_link1" data-footnote-content="Annual Percentage Yield is accurate as of <span class="product-data" data-ajax-epccode="FSDPDD00P0L7XT02O1" data-ajax-key="timeStamp"></span>. Applicable only to Bank of America Relationship Banking, which is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account. The minimum opening deposit for this account is $100." data-footnote="annualPercentageYield" href="#ftn_annualPercentageYield_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">No fees on <button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"bankingServicesLayer","width":"343px"}" rel="bankingServicesLayer" id="banking-services-tooltip" type="button">select banking services<span class="spa-ada-text ada-hidden"> popup</span></button></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">$0 monthly maintenance fee on up to 7 eligible accounts when you link<sup><a class="spa-footnote-link" id="ftn_primaryAdvantageRelationshipBanking_link2" data-footnote-content="Eligible accounts include 3 additional Advantage Relationship Banking or Advantage with Tiered Interest Checking accounts and 4 savings accounts with no monthly maintenance fee when you ask us to link them to your primary Advantage Relationship Banking account." data-footnote="primaryAdvantageRelationshipBanking" href="#ftn_primaryAdvantageRelationshipBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> them to your primary Advantage Relationship Banking account</span></li></ul></div></div></div></div></div></div></div><div class="squeezebox-panel active" id="acccount-details-sq-boxPanel1" data-slug="acccount-details-sq-boxPanel1"><button name="Monthly_maintenance_fee" class="panel-header spa-oline gray spa-btn spa-btn--link" data-panel="acccount-details-sq-boxPanel1" data-bactmln="monthly-maintainance-fee-sq-box" type="button" aria-controls="acccount-details-sq-boxPanel1"><span class="spa-squeezebox-arrow spa-icon"></span>Monthly maintenance fee <span class="ada-hidden"></span></button><div class="panel-content gray"><div class="content"><div class="row"><div class="column"><div class="sq-item-container sq-monthly-maintenance-fee row"><div class="columns large-4 item-details-column equalize-height divider--vertical-right hidden family-banking" data-product-name="family-banking"><p class="ada-hidden">SafeBalance Banking® for Family Banking</p><p class="item-maintenance-header"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><p class="item-description">$0 for each statement cycle that:</p><p class="item-maintenance-text">You maintain a minimum daily balance of <span class="bold-text">$500</span> or more in your account</p><p class="item-separator-text">OR</p><p class="item-maintenance-text">Your child is under <span class="bold-text">age 25</span><sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link3" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p><p class="item-separator-text">OR</p><p class="item-maintenance-text">An account owner is a <span class="bold-text">member of the</span> <a id="preferred-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank">Preferred Rewards</a> <span class="bold-text">program</span><sup><a class="spa-footnote-link" id="ftn_advantagePreferredRewards_link4" data-footnote-content="For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank" rel="noopener noreferrer">Preferred Rewards</a>. For SafeBalance Banking® for Family Banking accounts, the parent owner can participate in the Preferred Rewards program but their child using the account cannot." data-footnote="advantagePreferredRewards" href="#ftn_advantagePreferredRewards_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right safebalance-banking" data-product-name="safebalance-banking"><p class="ada-hidden">Advantage Safebalance Banking</p><p class="item-maintenance-header"><span class="product-data" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><p class="item-description">$0 for each statement cycle that:</p><p class="item-maintenance-text">You maintain a minimum daily balance of <span class="bold-text">$500</span> or more in your account</p><p class="item-separator-text">OR</p><p class="item-maintenance-text">An account owner is under <span class="bold-text">age 25</span><sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link5" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p><p class="item-separator-text">OR</p><p class="item-maintenance-text">An account owner is a <span class="bold-text">member of the</span> <a id="preferred-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank">Preferred Rewards</a> <span class="bold-text">program</span><sup><a class="spa-footnote-link" id="ftn_advantagePreferredRewards_link6" data-footnote-content="For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank" rel="noopener noreferrer">Preferred Rewards</a>. For SafeBalance Banking® for Family Banking accounts, the parent owner can participate in the Preferred Rewards program but their child using the account cannot." data-footnote="advantagePreferredRewards" href="#ftn_advantagePreferredRewards_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right active-product plus-banking" data-product-name="plus-banking"><p class="ada-hidden">Advantage Plus Banking</p><p class="item-maintenance-header"><span class="product-data" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><p class="item-description">$0 for each statement cycle that:</p><p class="item-maintenance-text">You maintain a minimum daily balance of <span class="bold-text">$1,500</span> or more in your account</p><p class="item-separator-text">OR</p><p class="item-maintenance-text">You have at least 1 <a id="qualifying-direct-deposit" href="https://www.bankofamerica.com/deposits/account-rates-fees-faqs/#qualifying-direct-deposits" target="_blank">qualifying direct deposit</a> of <span class="bold-text">$250</span> or more made to your account</p><p class="item-separator-text">OR</p><p class="item-maintenance-text">An account owner is a <span class="bold-text">member of the</span> <a id="preferred-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank">Preferred Rewards</a> <span class="bold-text">program</span><sup><a class="spa-footnote-link" id="ftn_advantagePreferredRewards_link7" data-footnote-content="For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank" rel="noopener noreferrer">Preferred Rewards</a>. For SafeBalance Banking® for Family Banking accounts, the parent owner can participate in the Preferred Rewards program but their child using the account cannot." data-footnote="advantagePreferredRewards" href="#ftn_advantagePreferredRewards_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right relationship-banking" data-product-name="relationship-banking"><p class="ada-hidden">Advantage Relationship Banking</p><p class="item-maintenance-header"><span class="product-data" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="monthlyMaintenanceFee">$XXXX</span> or $0</p><p class="item-description">$0 for each statement cycle that:</p><p class="item-maintenance-text">You maintain a minimum daily balance of <span class="bold-text">$20,000</span> or more in your account</p><p class="item-separator-text">OR</p><p class="item-maintenance-text">An account owner is a <span class="bold-text">member of the</span> <a id="preferred-rewards" href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank">Preferred Rewards</a> <span class="bold-text">program</span><sup><a class="spa-footnote-link" id="ftn_advantagePreferredRewards_link8" data-footnote-content="For Preferred Rewards members in the Gold, Platinum, or Platinum Honors tiers, the monthly maintenance fee waiver applies to the first 4 checking and 4 savings accounts. The monthly maintenance fee waiver is unlimited for clients in the Diamond or Diamond Honors tiers. For Preferred Rewards program eligibility requirements, go to <a href="https://promotions.bankofamerica.com/preferredrewards/en" target="_blank" rel="noopener noreferrer">Preferred Rewards</a>. For SafeBalance Banking® for Family Banking accounts, the parent owner can participate in the Preferred Rewards program but their child using the account cannot." data-footnote="advantagePreferredRewards" href="#ftn_advantagePreferredRewards_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div></div></div></div></div></div></div><div class="squeezebox-panel" id="acccount-details-sq-boxPanel2" data-slug="acccount-details-sq-boxPanel2"><button name="Minimum_opening_deposit" class="panel-header spa-oline gray spa-btn spa-btn--link" data-panel="acccount-details-sq-boxPanel2" data-bactmln="opening-deposit-sq-box" type="button" aria-controls="acccount-details-sq-boxPanel2"><span class="spa-squeezebox-arrow spa-icon"></span>Minimum opening deposit <span class="ada-hidden"></span></button><div class="panel-content gray" hidden><div class="content"><div class="row"><div class="column"><div class="sq-item-container row"><div class="columns large-4 item-details-column divider--vertical-right hidden family-banking" data-product-name="family-banking"><p class="ada-hidden">SafeBalance Banking® for Family Banking</p><span class="product-data product-data-text" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="minimumOpeningBalance">$XXXX</span></div><div class="columns large-4 item-details-column divider--vertical-right safebalance-banking" data-product-name="safebalance-banking"><p class="ada-hidden">Advantage Safebalance Banking</p><span class="product-data product-data-text" data-ajax-epccode="FSDPDD00P0W3HNUFL1" data-ajax-key="minimumOpeningBalance">$XXXX</span></div><div class="columns large-4 item-details-column divider--vertical-right active-product plus-banking" data-product-name="plus-banking"><p class="ada-hidden">Advantage Plus Banking</p><span class="product-data product-data-text" data-ajax-epccode="FSDPDD00PC07DJGB3H1" data-ajax-key="minimumOpeningBalance">$XXXX</span></div><div class="columns large-4 item-details-column divider--vertical-right relationship-banking" data-product-name="relationship-banking"><p class="ada-hidden">Advantage Relationship Banking</p><span class="product-data product-data-text" data-ajax-epccode="FSDPDD00P0HDKJ0N41" data-ajax-key="minimumOpeningBalance">$XXXX</span></div></div></div></div></div></div></div><div class="squeezebox-panel" id="acccount-details-sq-boxPanel3" data-slug="acccount-details-sq-boxPanel3"><button name="Who_can_own" class="panel-header spa-oline gray spa-btn spa-btn--link" data-panel="acccount-details-sq-boxPanel3" data-bactmln="who-can-own-sq-box" type="button" aria-controls="acccount-details-sq-boxPanel3"><span class="spa-squeezebox-arrow spa-icon"></span>Who can own <span class="ada-hidden"></span></button><div class="panel-content gray" hidden><div class="content"><div class="row"><div class="column"><div class="sq-item-container sq-who-can-own row"><div class="columns large-4 item-details-column equalize-height divider--vertical-right hidden family-banking" data-product-name="family-banking"><p class="ada-hidden">SafeBalance Banking® for Family Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text"><b>Parent-owned</b><br>1 parent and 1 child per account <sup><a class="spa-footnote-link" id="ftn_parentOwned_link23" data-footnote-content="We define parent as a parent or legal guardian, and we define child as your child or legal dependent." data-footnote="parentOwned" href="#ftn_parentOwned_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li><li class="list-item"><p class="item-text"><b>Parent</b> must be age 18 or older, and have an <button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"eligibleAccountLayer","width":"343px"}" rel="eligibleAccountLayer" id="eligible-account-tooltip" type="button">eligible Bank of America account and login<span class="spa-ada-text ada-hidden"> popup</span></button></p></li><li class="list-item"><p class="item-text"><b>Child</b> must be under age 18 at account opening</p></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right safebalance-banking" data-product-name="safebalance-banking"><p class="ada-hidden">Advantage Safebalance Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text"><b>Age 16 or older</b></p></li><li class="list-item"><p class="item-text"><b>Under age 16</b> must co-own with adult</p></li><li class="list-item"><p class="item-text">Schedule an appointment <a id="financial-center" href="https://locators.bankofamerica.com/" target="_blank">at a financial center</a> to open an account with someone under age 13</p></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right active-product plus-banking" data-product-name="plus-banking"><p class="ada-hidden">Advantage Plus Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text"><b>Age 18 or older</b></p></li><li class="list-item"><p class="item-text"><b>Under age 18</b> must co-own with an adult</p></li><li class="list-item"><p class="item-text">Schedule an appointment <a id="financial-center" href="https://locators.bankofamerica.com/" target="_blank">at a financial center</a> to open an account with someone under age 13</p></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right relationship-banking" data-product-name="relationship-banking"><p class="ada-hidden">Advantage Relationship Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text"><b>Age 18 or older</b></p></li><li class="list-item"><p class="item-text"><b>Under age 18</b> must co-own with an adult</p></li><li class="list-item"><p class="item-text">Schedule an appointment <a id="financial-center" href="https://locators.bankofamerica.com/" target="_blank">at a financial center</a> to open an account with someone under age 13</p></li></ul></div></div></div></div></div></div></div><div class="squeezebox-panel" id="acccount-details-sq-boxPanel4" data-slug="acccount-details-sq-boxPanel4"><button name="Ways_to_pay" class="panel-header spa-oline gray spa-btn spa-btn--link" data-panel="acccount-details-sq-boxPanel4" data-bactmln="ways-to-pay-sq-box" type="button" aria-controls="acccount-details-sq-boxPanel4"><span class="spa-squeezebox-arrow spa-icon"></span>Ways to pay <span class="ada-hidden"></span></button><div class="panel-content gray" hidden><div class="content"><div class="row"><div class="column"><div class="sq-item-container sq-ways-to-pay row"><div class="columns large-4 item-details-column equalize-height divider--vertical-right hidden family-banking" data-product-name="family-banking"><p class="ada-hidden">SafeBalance Banking® for Family Banking</p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Debit card for parent and child</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Digital wallet</span></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right safebalance-banking" data-product-name="safebalance-banking"><p class="ada-hidden">Advantage Safebalance Banking</p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Debit card</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Digital wallet</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"zelleContentLayer","width":"343px"}" rel="zelleContentLayer" id="zelle-tooltip" type="button">Zelle<sup>®</sup><span class="spa-ada-text ada-hidden"> popup</span></button> <sup><a class="spa-footnote-link" id="ftn_zelle_link24" data-footnote-content="Zelle<sup>&reg;</sup> should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle<sup>&reg;</sup> 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 transactions between enrolled consumers do not typically incur transaction fees from Bank of America. We will send you an email alert with transaction details after you send money using Zelle<sup>&reg;</sup>. Dollar and frequency limits apply. See the <a href="https://www.bankofamerica.com/online-banking/service-agreement.go" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Online Banking Service Agreement</a> for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle<sup>&reg;</sup> offers purchase protection for payments made with Zelle<sup>&reg;</sup>. Please treat Zelle<sup>&reg;</sup> 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<sup>&reg;</sup> or the item received is not as described. Regular account fees apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license." data-footnote="zelle" href="#ftn_zelle_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right active-product plus-banking" data-product-name="plus-banking"><p class="ada-hidden">Advantage Plus Banking</p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Debit card</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Digital wallet</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"zelleContentLayer","width":"343px"}" rel="zelleContentLayer" id="zelle-tooltip" type="button">Zelle<sup>®</sup><span class="spa-ada-text ada-hidden"> popup</span></button> <sup><a class="spa-footnote-link" id="ftn_zelle_link25" data-footnote-content="Zelle<sup>&reg;</sup> should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle<sup>&reg;</sup> 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 transactions between enrolled consumers do not typically incur transaction fees from Bank of America. We will send you an email alert with transaction details after you send money using Zelle<sup>&reg;</sup>. Dollar and frequency limits apply. See the <a href="https://www.bankofamerica.com/online-banking/service-agreement.go" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Online Banking Service Agreement</a> for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle<sup>&reg;</sup> offers purchase protection for payments made with Zelle<sup>&reg;</sup>. Please treat Zelle<sup>&reg;</sup> 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<sup>&reg;</sup> or the item received is not as described. Regular account fees apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license." data-footnote="zelle" href="#ftn_zelle_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Paper checks</span></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right relationship-banking" data-product-name="relationship-banking"><p class="ada-hidden">Advantage Relationship Banking</p><ul type="none" class="item-details-list"><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Debit card</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Digital wallet</span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text"><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"zelleContentLayer","width":"343px"}" rel="zelleContentLayer" id="zelle-tooltip" type="button">Zelle<sup>®</sup><span class="spa-ada-text ada-hidden"> popup</span></button> <sup><a class="spa-footnote-link" id="ftn_zelle_link26" data-footnote-content="Zelle<sup>&reg;</sup> should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle<sup>&reg;</sup> 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 transactions between enrolled consumers do not typically incur transaction fees from Bank of America. We will send you an email alert with transaction details after you send money using Zelle<sup>&reg;</sup>. Dollar and frequency limits apply. See the <a href="https://www.bankofamerica.com/online-banking/service-agreement.go" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Online Banking Service Agreement</a> for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle<sup>&reg;</sup> offers purchase protection for payments made with Zelle<sup>&reg;</sup>. Please treat Zelle<sup>&reg;</sup> 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<sup>&reg;</sup> or the item received is not as described. Regular account fees apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license." data-footnote="zelle" href="#ftn_zelle_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></span></li><li class="list-item"><img class="icon-check" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-product-details-module-icon-check-CSX7f74742f.svg" aria-hidden="true"> <span class="item-text">Paper checks</span></li></ul></div></div></div></div></div></div></div><div class="squeezebox-panel" id="acccount-details-sq-boxPanel5" data-slug="acccount-details-sq-boxPanel5"><button name="What_happens_when_theres_not_enough_money_to_cover_transactions" class="panel-header spa-oline gray spa-btn spa-btn--link" data-panel="acccount-details-sq-boxPanel5" type="button" aria-controls="acccount-details-sq-boxPanel5"><span class="spa-squeezebox-arrow spa-icon"></span>What happens when there's not enough money to cover transactions? <span class="ada-hidden"></span></button><div class="panel-content gray" hidden><div class="content"><div class="row"><div class="column"><div class="sq-item-container sq-not-enough-money row"><div class="columns large-4 item-details-column equalize-height divider--vertical-right hidden family-banking" data-product-name="family-banking"><p class="ada-hidden">SafeBalance Banking® for Family Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text">This account is set to the <b>Decline All</b> overdraft setting. Transactions are declined or returned unpaid when they exceed your available balance. We won’t charge you an overdraft fee, but the payee may charge fees.<sup><a class="spa-footnote-link" id="ftn_advantageMoneyAvailable_link27" data-footnote-content="While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won't charge you an Overdraft Item Fee." data-footnote="advantageMoneyAvailable" href="#ftn_advantageMoneyAvailable_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right safebalance-banking" data-product-name="safebalance-banking"><p class="ada-hidden">Advantage Safebalance Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text">This account is set to the <b>Decline All</b> overdraft setting. Transactions are declined or returned unpaid when they exceed your available balance. We won’t charge you an overdraft fee, but the payee may charge fees.<sup><a class="spa-footnote-link" id="ftn_advantageMoneyAvailable_link28" data-footnote-content="While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won't charge you an Overdraft Item Fee." data-footnote="advantageMoneyAvailable" href="#ftn_advantageMoneyAvailable_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right active-product plus-banking" data-product-name="plus-banking"><p class="ada-hidden">Advantage Plus Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text">Option to enroll in: <button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"enrollContentLayer","width":"354px"}" rel="enrollContentLayer" id="enroll-tooltip" type="button">Balance Connect<sup>®</sup> for overdraft protection<span class="spa-ada-text ada-hidden"> popup</span></button> <sup><a class="spa-footnote-link" id="ftn_balanceConnectOverDraftProtection_link9" data-footnote-content="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 accounts 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 a brokerage account with Merrill Lynch that is enrolled in margin lending, a Loan Management Account (LMA®), a credit card, or a Home Equity Line of Credit (HELOC) are subject to interest charges. Please see the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> for more information about eligibility and how Balance Connect® transfers work." data-footnote="balanceConnectOverDraftProtection" href="#ftn_balanceConnectOverDraftProtection_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li><li class="list-item"><p class="item-text">And choice of overdraft setting <sup><a class="spa-footnote-link" id="ftn_depositAgreement_link29" data-footnote-content="The <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> as well as the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> provide details about transaction processing and posting. They also explain how and when overdrafts may be paid, and how and when overdraft fees are assessed." data-footnote="depositAgreement" href="#ftn_depositAgreement_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup>:<br><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"overdraftSettingLayer","width":"354px"}" rel="overdraftSettingLayer" id="setting-tooltip" type="button">Standard or Decline All<span class="spa-ada-text ada-hidden"> popup</span></button></p></li></ul></div><div class="columns large-4 item-details-column equalize-height divider--vertical-right relationship-banking" data-product-name="relationship-banking"><p class="ada-hidden">Advantage Relationship Banking</p><ul type="none" class="item-details-list"><li class="list-item"><p class="item-text">Option to enroll in: <button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"enrollContentLayer","width":"354px"}" rel="enrollContentLayer" id="enroll-tooltip" type="button">Balance Connect<sup>®</sup> for overdraft protection<span class="spa-ada-text ada-hidden"> popup</span></button> <sup><a class="spa-footnote-link" id="ftn_balanceConnectOverDraftProtection_link10" data-footnote-content="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 accounts 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 a brokerage account with Merrill Lynch that is enrolled in margin lending, a Loan Management Account (LMA®), a credit card, or a Home Equity Line of Credit (HELOC) are subject to interest charges. Please see the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> for more information about eligibility and how Balance Connect® transfers work." data-footnote="balanceConnectOverDraftProtection" href="#ftn_balanceConnectOverDraftProtection_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></li><li class="list-item"><p class="item-text">And choice of overdraft setting <sup><a class="spa-footnote-link" id="ftn_depositAgreement_link30" data-footnote-content="The <a href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Deposit Agreement and Disclosures</a> as well as the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> provide details about transaction processing and posting. They also explain how and when overdrafts may be paid, and how and when overdraft fees are assessed." data-footnote="depositAgreement" href="#ftn_depositAgreement_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup>:<br><button class="spa-btn spa-btn--link spa-ui-layer-link spa-fn spa-ui-layer-tooltip-link" data-bactmtrack data-options="{"layerType":"tooltip","rel":"overdraftSettingLayer","width":"354px"}" rel="overdraftSettingLayer" id="setting-tooltip" type="button">Standard or Decline All<span class="spa-ada-text ada-hidden"> popup</span></button></p></li></ul></div></div></div></div></div></div></div></div></section></div><div id="parentalControlsContentLayer" class="hide" data-options="{"type":"info"}"><h3 id="parentalControlsContentLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Parental controls</h3><div class="content"><p class="tooltip-paragraph">As the parent owner, you can set limits on your child's spending for amounts and certain categories.</p></div></div><div id="limitationsOnDepositsLayer" class="hide" data-options="{"type":"info"}"><h3 id="limitationsOnDepositsLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Limitations on parent deposits</h3><div class="content"><p class="tooltip-paragraph extra-margin-bottom">As the parent, you can add money to this account by:</p><ul class="tooltip-list extra-margin-bottom"><li>Transfer from your Bank of America checking or savings accounts</li><li>Mobile check deposit</li><li>ATM</li></ul><p class="tooltip-paragraph">This account does not offer external money transfers into the account, including direct deposit, wires, ACH transactions and transfers from other banks.</p></div></div><div id="loginLimitationsLayer" class="hide" data-options="{"type":"info"}"><h3 id="loginLimitationsLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Child login at age 6 or older with limitations</h3><div class="content"><p class="tooltip-paragraph extra-margin-bottom">This account provides a limited online experience for your child.</p><p class="tooltip-paragraph margin-bottom-zero">Children age 6 or older can have their own Online Banking login and can:</p><ul class="tooltip-list extra-margin-bottom"><li>View account balances</li><li>Monitor transactions</li><li>Set alerts</li></ul><p class="tooltip-paragraph margin-bottom-zero">Here are some things they can't do:</p><ul class="tooltip-list extra-margin-bottom"><li>See or access your other Bank of America accounts</li><li>Deposit money</li><li>Lock or unlock their debit card</li></ul><p class="tooltip-paragraph">For a full list of what your child can do with this account, refer to the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" target="_blank">Personal Schedule of Fees</a>.</p></div></div><div id="directDepositLayer" class="hide" data-options="{"type":"info"}"><h3 id="directDepositLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Direct deposit</h3><div class="content"><p class="tooltip-paragraph">When you set up direct deposit, your paycheck or other recurring deposits are sent to your account automatically.</p></div></div><div id="earnsInterestLayer" class="hide" data-options="{"type":"info"}"><h3 id="earnsInterestLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Earns interest</h3><div class="content"><p class="tooltip-paragraph extra-margin-bottom">APY (Annual Percentage Yield)</p><div class="extra-margin-bottom"><p class="tooltip-paragraph margin-bottom-zero"><span class="gray-text">Balance:</span> Less than $50,000</p><p class="tooltip-paragraph margin-bottom-zero"><span class="gray-text">APY:</span> 0.01%</p></div><div class="extra-margin-bottom"><p class="tooltip-paragraph margin-bottom-zero"><span class="gray-text">Balance:</span> $50,000 and over</p><p class="tooltip-paragraph margin-bottom-zero"><span class="gray-text">APY:</span> 0.02%</p></div></div></div><div id="bankingServicesLayer" class="hide" data-options="{"type":"info"}"><h3 id="bankingServicesLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Select banking services</h3><div class="content"><p class="tooltip-paragraph extra-margin-bottom">Select banking services include:</p><ul class="tooltip-list extra-margin-bottom"><li>Standard checks</li><li>Incoming domestic wires</li><li>Stop payments</li><li>Outgoing wires sent in foreign currency</li><li>Statement paper copies</li></ul><p class="tooltip-paragraph">See the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" target="_blank">Personal Schedule of Fees</a> for details</p></div></div><div id="zelleContentLayer" class="hide" data-options="{"type":"info"}"><h3 id="zelleContentLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Zelle<sup>®</sup></h3><div class="content"><p class="tooltip-paragraph">A fast and easy way to send and receive money online with friends and family.</p></div></div><div id="eligibleAccountLayer" class="hide" data-options="{"type":"info"}"><h3 id="eligibleAccountLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Eligible Bank of America account and login</h3><div class="content"><p class="tooltip-paragraph">To open a SafeBalance for Family Banking account, you must already have a personal Bank of America checking or savings account. Small business and Merrill Lynch accounts do not qualify.</p><p class="tooltip-paragraph">You must also have an Online Banking login.</p></div></div><div id="enrollContentLayer" class="hide" data-options="{"type":"info"}"><h3 id="enrollContentLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Balance Connect® for overdraft protection</h3><div class="content"><p class="tooltip-paragraph">You can link up to 5 eligible Bank of America accounts to this checking account to cover transactions. When there isn't enough money in your checking account to pay for an item, available funds are automatically transferred from the linked backup accounts to your checking account. There’s no transfer fee, but other charges may apply. For example, transfers from a linked credit card or HELOC may result in interest charges.</p></div></div><div id="overdraftSettingLayer" class="hide" data-options="{"type":"info"}"><h3 id="overdraftSettingLayer_title" class="spa-ui-layer-title" data-font="cnx-bold">Overdraft settings:<br>Standard or Decline All</h3><div class="content"><p class="tooltip-paragraph">Choose how you want us to handle checks and scheduled payments when there isn’t enough money in your checking account to cover transactions.</p><p class="tooltip-paragraph">We won't authorize ATM withdrawals or debit card purchases when there’s not enough money in your account to cover the transactions. For other payments, at our discretion, we may authorize and pay the item and overdraw your account (an overdraft item), or decline or return the item unpaid (a returned item). Review the <a id="deposit-agreement-and-disclosures" href="https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/" rel="noopener noreferrer" target="_blank">Deposit Agreement and Disclosures</a> and <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" target="_blank">Personal Schedule of Fees</a> for details.</p><p class="tooltip-paragraph"><b>Standard setting</b><br></p><p class="tooltip-paragraph">Your checks and scheduled payments may be paid and cause an overdraft. There’s a $10 fee<sup>[1]</sup> when we make the payment and overdraw your account. We won’t charge a fee for the returned items, but the payee may.</p><p class="tooltip-paragraph"><b>Decline All setting</b><br></p><p class="tooltip-paragraph">Your checks and scheduled payments will be declined or returned unpaid. We won’t charge a fee for returned items, but the payee may.</p><p class="footnote-text">1. We’ll charge an Overdraft Item Fee for each item that we authorize and pay, including recurring debit card payments. We will not charge a fee to your account when we decline or return an item unpaid; however, you may be charged a fee by the payee. Please see the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" target="_blank">Personal Schedule of Fees</a> for your account for more details.</p></div></div></div></div></div></div><div><p class="footer-text">To view all fees and additional information on how to link eligible accounts, see the <a id="fee-link" href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US" target="_blank">Personal Schedule of Fees</a>.</p></div></div></section></div></div></div></div></div></div></section><section class="small-centered section-body"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="secureAccountModule" data-component="module" data-module="secure-account-module" data-module-container="3.1.4" data-version="99.99.99" data-sparta-load="primary" data-module-ref="deposits/secure-account-module" data-options="{}" data-init="SecureAccountModule" data-module-parameters="{}" class="secure-account-module-class-v-99-99-99 secure-account-module spa-module-init"><div class="row"><div class="columns small-12 large-11 extra-large-up small-centered"><div class="secure-account-main-container"><h2>Helping keep your account secure</h2><div class="img-content-section"><div class="img-container"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-liability_guarantee_computer-CSX9a9c634c.svg" alt="" aria-hidden="true"></div><div class="content-section"><h3 class="title">$0 Liability Guarantee fraud protection</h3><p class="content">Promptly tell us if your debit card is lost or stolen, and we'll credit unauthorized transactions back to your account. You could see credits as soon as the next business day<sup><a class="spa-footnote-link" id="ftn_liabilityGuarentee_link1" data-footnote-content="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. " data-footnote="liabilityGuarentee" href="#ftn_liabilityGuarentee_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup>.</p></div></div></div></div></div></div></div></div></section><section class="small-centered section-body"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="securityFeaturesModule" data-component="module" data-module="security-features-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/security-features-module" data-options="{}" data-init="SecurityFeaturesModule" data-module-parameters="{}" class="security-features-module-class-v-1-0-0 security-features-module spa-module-init"><div class="row"><div class="columns small-12 large-11 extra-large-up small-centered"><div class="security-feature-main-container"><div class="cells"><div class="row"><div class="columns small-12 medium-4 large-4"><div class="list-item fastSection"><img id="fastSection" class="security-features-image" alt="" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-iilustration-secure-sign-in-CSX2c0b36f5.svg" aria-hidden="true"><h3 class="tile-header">Fast, secure sign-in</h3><p class="tile-content">Log in to our mobile app with Touch ID®, Face ID® or your fingerprint.<sup><a class="spa-footnote-link" id="ftn_fingerPrintScannerEnrollment_link2" data-footnote-content="Certain devices are eligible for enrollment in Touch ID<sup>&reg;</sup>, Face ID<sup>&reg;</sup> or fingerprint login. If eligible, you will have the option to enroll by following the prompts within the Mobile Banking app. If you store multiple fingerprints on your device including those of additional persons, those persons will also be able to access your Bank of America Mobile Banking app via fingerprint, including the ability to access a call center, when Touch ID<sup>&reg;</sup> or fingerprint is enabled. Data connection required. Wireless carrier fees may apply." data-footnote="fingerPrintScannerEnrollment" href="#ftn_fingerPrintScannerEnrollment_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div></div><div class="columns small-12 medium-4 large-4"><div class="list-item CustomAlerts"><img id="CustomAlerts" class="security-features-image" alt="" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-illustration-custom-alerts-CSX79b7463f.svg" aria-hidden="true"><h3 class="tile-header">Custom alerts</h3><p class="tile-content">Set alerts<sup><a class="spa-footnote-link" id="ftn_alertsReceivedTextMessages_link1" data-footnote-content="You may elect to receive alerts via text or email. Bank of America does not charge for this service, but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage." data-footnote="alertsReceivedTextMessages" href="#ftn_alertsReceivedTextMessages_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> for account changes, like unusual activity, payments and more.</p></div></div><div class="columns small-12 medium-4 large-4"><div class="list-item debitCard"><img id="debitCard" class="security-features-image" alt="" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-illustration-debit-card-controls-CSX4f4bc321.svg" aria-hidden="true"><h3 class="tile-header">Debit card controls</h3><p class="tile-content">Lock a <a id="ldebit-card" href="https://promotions.bankofamerica.com/deposits/debitcard/overview" target="_blank">debit card</a><sup><a class="spa-footnote-link" id="ftn_debitCardControls_link3" data-footnote-content="We may allow you to lock your physical debit card or virtual cards. You must lock each card type individually. Locking your physical card will not lock your virtual cards. 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." data-footnote="debitCardControls" href="#ftn_debitCardControls_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> to prevent unauthorized use, request a digital card<sup><a class="spa-footnote-link" id="ftn_digitalDebitControl_link4" data-footnote-content="Customers enrolled in Mobile Banking may opt to receive the digital card for debit, a virtual card that 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." data-footnote="digitalDebitControl" href="#ftn_digitalDebitControl_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> and more.</p></div></div></div></div></div></div></div></div></div></div></section><section class="small-centered section-digital-tools"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="digitalToolsModule" data-component="module" data-module="digital-tools-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/digital-tools-module" data-options="{}" data-init="DigitalToolsModule" data-module-parameters="{}" class="digital-tools-module-class-v-1-0-0 digital-tools-module spa-module-init"><div class="row"><div class="column medium-12 medium-centered large-11 extra-large-up small-centered"><div class="main show-for-medium-up"><h2 class="section-title">Digital tools to help you in your day-to-day</h2><div class="wrapper"><div class="top"><div class="tabs" role="tablist" id="digital-tablist" aria-orientation="vertical"><button type="button" role="tab" aria-selected="true" aria-controls="tab-budget-image" class="button tab-item tab-budget active" id="tab-budget" tabindex="-1"><div class="tab-item-left"><div class="icon-container"><div class="icon-group active-group active"><img class="tab-item-icon icon-absolute icon-red-bg" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-tools-red-background-CSX2ded7e2e.svg"> <img class="tab-item-icon icon-absolute icon-white" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-better-budgeting-white-CSX135f92f1.svg"></div><div class="icon-group hidden-group"><img class="tab-item-icon icon-black" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-better-budgeting-CSX5eb3b393.svg"></div></div><span class="arrow-border"><img class="tab-border-gray" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-tools-gray-divider-CSX8c1e7f28.svg"></span></div><div class="tab-item-right"><p class="title-text">Better budgeting</p><p class="description-text">Track your spending with our interactive Spending and Budgeting tool.<sup><a class="spa-footnote-link" id="ftn_budgetingTool_link2" data-footnote-content=" The Spending & Budgeting tool is currently available in Online banking and Mobile banking (Android & iPhone only) for customers with checking or savings accounts." data-footnote="budgetingTool" href="#ftn_budgetingTool_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div></button> <button type="button" role="tab" aria-selected="false" aria-controls="tab-mobile-image" class="button tab-item tab-mobile" id="tab-mobile" tabindex="-1"><div class="tab-item-left"><div class="icon-container"><div class="icon-group active-group"><img class="tab-item-icon icon-absolute icon-red-bg" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-tools-red-background-CSX2ded7e2e.svg"> <img class="tab-item-icon icon-absolute icon-white" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-mobile-deposit-white-CSX90bde5b6.svg"></div><div class="icon-group hidden-group active"><img class="tab-item-icon icon-black" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-mobile-deposit-CSXa7118ddb.svg"></div></div><span class="arrow-border active"><img class="tab-border-gray" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-tools-gray-divider-CSX8c1e7f28.svg"></span></div><div class="tab-item-right"><p class="title-text">Mobile deposits</p><p class="description-text">Deposit checks with the camera on your device and our mobile app.<sup><a class="spa-footnote-link" id="ftn_mobileDeposits_link3" data-footnote-content="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. For SafeBalance Banking® for Family Banking accounts, the parent owner can make mobile check deposits but their child using the account cannot." data-footnote="mobileDeposits" href="#ftn_mobileDeposits_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p></div></button> <button type="button" role="tab" aria-selected="false" aria-controls="tab-erica-image" class="button tab-item tab-erica" id="tab-erica" tabindex="-1"><div class="tab-item-left"><div class="icon-container"><div class="icon-group active-group"><img class="tab-item-icon icon-absolute icon-red-bg" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-tools-red-background-CSX2ded7e2e.svg"> <img class="tab-item-icon icon-absolute icon-white" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-erica-white-CSX9a2c79a8.svg"></div><div class="icon-group hidden-group active"><img class="tab-item-icon icon-black" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-erica-CSXeea17578.svg"></div></div><span class="arrow-border active"><img class="tab-border-gray" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-tools-gray-divider-CSX8c1e7f28.svg"></span></div><div class="tab-item-right"><p class="title-text">Erica<sup>®</sup> virtual financial assistant</p><p class="description-text">Erica<sup><a class="spa-footnote-link" id="ftn_ericaVirtualAssistance_link1" data-footnote-content="The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Your chat may be monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica." data-footnote="ericaVirtualAssistance" href="#ftn_ericaVirtualAssistance_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> makes it easy for you to stay on top of your finances.</p></div></button></div><div class="images"><div class="tab-panel-image tab-budget-image active" id="tab-budget-image" role="tabpanel" aria-labelledby="tab-budget" tabindex="0"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-mobile-app-better-budgeting-CSX72c6e9d.svg" class="images-image" alt="Spending and Budgeting tool screen in mobile app"></div><div class="tab-panel-image tab-mobile-image" id="tab-mobile-image" role="tabpanel" aria-labelledby="tab-mobile" tabindex="0"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-mobile-app-mobile-deposits-CSXaf1fcb90.svg" class="images-image" alt="Mobile check deposit screen in mobile app"></div><div class="tab-panel-image tab-erica-image" id="tab-erica-image" role="tabpanel" aria-labelledby="tab-erica" tabindex="0"><img src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-mobile-app-erica-CSX36e76b49.svg" class="images-image" alt="Erica screen in mobile app"></div></div></div><div class="bottom"><p class="footer-text">Manage your account on the go with our mobile app<sup><a class="spa-footnote-link" id="ftn_mobileBanking_link4" data-footnote-content="Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data fees may apply." data-footnote="mobileBanking" href="#ftn_mobileBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p><div class="link-left"><a id="app-store-link" href="https://apps.apple.com/us/app/bank-america-mobile-banking/id284847138?mt=8" rel="noopener noreferrer" target="_blank"><img class="button-image" alt="Download from Apple App Store" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-apple-app-store-CSXa3b17e7b.svg"></a></div><div class="link-right"><a id="play-store-link" href="https://play.google.com/store/apps/details?id=com.infonow.bofa" rel="noopener noreferrer" target="_blank"><img class="button-image" alt="Download from Google Play" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-google-play-CSXbc4bc060.svg"></a></div></div></div></div><div><div id="digitalToolsSmall" data-component="module" data-module="digital-tools-carousel-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/digital-tools-carousel-module" data-options="{}" data-init="DigitalToolsCarouselModule" data-module-parameters="{}" class="digital-tools-carousel-module-class-v-1-0-0 digital-tools-carousel-module spa-module-init"><div class="header show-for-small-only"><h2 class="section-title">Digital tools to help you in your day-to-day</h2><div class="small-12 show-for-small-only card-wrapper"><div class="row padding-val"><section id="basic-carousel" class="spa-carousel" aria-roledescription="carousel"><div class="carousel__slide-wrapper"><div aria-live="polite" class="ada-hidden spa-aria-live"></div><div class="carousel__slides"><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="imageDiv"><img class="test-image" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-carousel-module-mobile-app-better-budgeting-CSX72c6e9d.svg" alt="Spending and Budgeting tool screen in mobile app"></div><div class="test-content--wrapper"><div class="test-title">Better budgeting</div><div class="test-description">Track your spending with our interactive Spending and Budgeting tool.<sup><a class="spa-footnote-link" id="ftn_budgetingTool_link2" data-footnote-content=" The Spending & Budgeting tool is currently available in Online banking and Mobile banking (Android & iPhone only) for customers with checking or savings accounts." data-footnote="budgetingTool" href="#ftn_budgetingTool_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="imageDiv"><img class="test-image" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-carousel-module-mobile-app-mobile-deposits-CSXaf1fcb90.svg" alt="Mobile check deposit screen in mobile app"></div><div class="test-content--wrapper"><div class="test-title">Mobile deposits</div><div class="test-description">Deposit checks with the camera on your device and our mobile app.<sup><a class="spa-footnote-link" id="ftn_mobileDeposits_link3" data-footnote-content="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. For SafeBalance Banking® for Family Banking accounts, the parent owner can make mobile check deposits but their child using the account cannot." data-footnote="mobileDeposits" href="#ftn_mobileDeposits_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></div></div></div></div><div class="carousel__item" aria-roledescription="Slide" data-ada=""><div class="carousel__content"><div class="imageDiv"><img class="test-image" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-carousel-module-mobile-app-erica-CSX36e76b49.svg" alt="Erica screen in mobile app"></div><div class="test-content--wrapper"><div class="test-title">Erica<sup>®</sup> virtual financial assistant</div><div class="test-description">Erica<sup><a class="spa-footnote-link" id="ftn_ericaVirtualAssistance_link1" data-footnote-content="The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Your chat may be monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica." data-footnote="ericaVirtualAssistance" href="#ftn_ericaVirtualAssistance_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> <span>makes it easy for you to stay on top of your finances.</span></div></div></div></div></div></div></section></div><div class="row footer-div padding-val"><p class="footer-text">Manage your account on the go with our mobile app<sup><a class="spa-footnote-link" id="ftn_mobileBanking_link5" data-footnote-content="Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data fees may apply." data-footnote="mobileBanking" href="#ftn_mobileBanking_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p><div class="button-outer-div"><div class="card-image"><a id="app-store-link" href="https://apps.apple.com/us/app/bank-america-mobile-banking/id284847138?mt=8" rel="noopener noreferrer" target="_blank"><img class="icon-image" alt="Download from Apple App Store" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-carousel-module-icon-apple-app-store-CSXa3b17e7b.svg"></a></div><div><a id="play-store-link" href="https://play.google.com/store/apps/details?id=com.infonow.bofa" rel="noopener noreferrer" target="_blank"><img class="icon-image" alt="Download from Google Play" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-digital-tools-module-icon-google-play-CSXbc4bc060.svg"></a></div></div></div></div></div></div></div></div></div></div></div></div></section><section class="small-centered section-body"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="rewardsInfoModule" data-component="module" data-module="rewards-info-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/rewards-info-module" data-options="{}" data-init="RewardsInfoModule" data-module-parameters="{}" class="rewards-info-module-class-v-1-0-0 rewards-info-module spa-module-init"><div class="row"><div class="columns small-12 large-11 extra-large-up small-centered zero-padding"><h2 class="reward-heading">Earn rewards and save with Bank of America</h2><div class="cells"><div class="row zero-padding"><div class="columns small-12 medium-4 large-4 rewards-column"><div class="list-item keep-the-change"><img id="keep-the-change--img" class="learn-more-image" alt="" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-icon-keep-the-change-CSX3a6e6d8f.svg" aria-hidden="true"><h2 class="tile-header">Keep the Change<sup>®</sup></h2><p class="tile-content">Build your savings with Keep the Change. We’ll round up your Bank of America debit card purchases to the nearest dollar and transfer the difference to your Bank of America savings.<sup><a class="spa-footnote-link" id="ftn_keepTheChange_link1" data-footnote-content="Upon enrollment, we will round up your MasterCard<sup>&reg;</sup> or Visa<sup>&reg;</sup> debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America<sup>&reg;</sup> savings account. If your savings account enrolled in Keep the Change<sup>&reg;</sup> is converted to a checking account, Keep the Change transfers will continue to be made into that account. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for small business debit cards." data-footnote="keepTheChange" href="#ftn_keepTheChange_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p><div class="tile-link"><a id="keep-change-link" href="https://www.bankofamerica.com/deposits/keep-the-change/" class="learnmore" target="_blank">Learn more <span class="ada-hidden">about Keep the Change</span></a></div></div></div><div class="columns small-12 medium-4 large-4 rewards-column"><div class="list-item bank-ameri-deals"><img id="bank-ameri-deals--img" class="learn-more-image" alt="" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-icon-bankamerideals-CSX1967da20.svg" aria-hidden="true"><h2 class="tile-header">BankAmeriDeals<sup>®</sup></h2><p class="tile-content">Log in to your account to add deals for select restaurants and stores.<sup><a class="spa-footnote-link" id="ftn_earnRewards_link2" data-footnote-content="You 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. Earned cash back will be credited into an eligible consumer deposit or credit account in 30 days following redemption. For more information, please read the <a href="https://www.bankofamerica.com/online-banking/service-agreement.go" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">program terms of use</a>. Data connection required. Wireless carrier fees may apply. For SafeBalance Banking® for Family Banking accounts, the parent owner can participate in BankAmeriDeals but their child using the account cannot.<span class='hidden' id='footnote-extra-content'> Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A Inc.<br/>The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.</span>" data-footnote="earnRewards" href="#ftn_earnRewards_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup> Get up to 10% cash back when you pay with your eligible Bank of America debit or credit card.</p><div class="tile-link"><a id="deals-link" href="https://www.bankofamerica.com/online-banking/mobile-and-online-banking-features/bankamerideals-cash-back-deals/" class="learnmore" target="_blank">Learn more <span class="ada-hidden">about BankAmeriDeals</span></a></div></div></div><div class="columns small-12 medium-4 large-4 rewards-column"><div class="list-item pref-rewards"><img id="pref-rewards-img" class="learn-more-image" alt="" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-icons-icon-preferred-rewards-CSX4f238ead.svg" aria-hidden="true"><h2 class="tile-header">Preferred Rewards</h2><p class="tile-content">Earn rewards when you have a Bank of America checking account and $20,000 or more across eligible accounts. Save on fees, get a 25%-75% bonus on certain credit cards, receive lending discounts and more.</p><div class="tile-link"><a id="rewards-link" href="https://promotions.bankofamerica.com/preferredrewards/en" class="learnmore" target="_blank">Learn more <span class="ada-hidden">about Preferred Rewards</span></a></div></div></div></div></div></div></div></div></div></div></section><section class="small-centered"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="justStartingOutModule" data-component="module" data-module="just-starting-out-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/just-starting-out-module" data-options="{}" data-init="JustStartingOutModule" data-module-parameters="{}" class="just-starting-out-module-class-v-1-0-0 just-starting-out-module spa-module-init"><div class="row"><div class="columns small-12 large-11 extra-large-up small-centered"><div class="row small-collapse card-wrapper"><div class="column medium-6 card-image" style="background-image:url(https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-site-deposits-student-hub-section-CSXc7166690.png)"></div><div class="column medium-6 column-content"><div class="card-body"><h2 class="header-text">Just starting out?</h2><p class="content-text">There is no monthly maintenance fee on our Advantage Safebalance Banking account if you're under age 25.<sup><a class="spa-footnote-link" id="ftn_fiduciaryAccounts_link1" data-footnote-content="Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking<sup>&reg;</sup> account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer" id="psof-studentbanking-footnote">Personal Schedule of Fees</a> for more information." data-footnote="fiduciaryAccounts" href="#ftn_fiduciaryAccounts_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span></span></a></sup></p><div class="learn-more"><a id="learnMoreOB" href="https://www.bankofamerica.com/student-banking/" class="learnmore" target="_blank">Learn more about banking for students and young adults</a></div></div></div></div></div></div></div></div></div></section><section class="small-centered section-body"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="lookingForMoreModule" data-component="module" data-module="looking-for-more-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/looking-for-more-module" data-options="{}" data-init="LookingForMoreModule" data-module-parameters="{}" class="looking-for-more-module-class-v-1-0-0 looking-for-more-module spa-module-init"><div class="row"><div class="columns small-12 large-11 extra-large-up small-centered"><h2 class="cards-heading">Resources to help you achieve your financial goals</h2><div class="cells"><div class="row"><div class="columns small-12 large-4 medium-6"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper"><div class="spa-card__title">Online Banking</div></div></div><div class="spa-card__body"><div class="card-body"><p class="copy-text">Have an account with us, but need online access? Enroll in Online Banking today.</p><div class="more-link"><a id="learn-more-ob" href="https://secure.bankofamerica.com/auth/enroll/enroll-entry/" class="learnmore" target="_blank">Enroll now</a></div></div></div></div></div><div class="columns small-12 large-4 medium-6"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper"><div class="spa-card__title">Better Money Habits®</div></div></div><div class="spa-card__body"><div class="card-body"><p class="copy-text">Find videos, articles and tips to help you better manage your financial life.</p><div class="more-link"><a id="learn-more-bmh" href="https://bettermoneyhabits.bankofamerica.com/en" class="learnmore" target="_blank">Learn more <span class="ada-hidden">about Better Money Habits</span></a></div></div></div></div></div><div class="columns small-12 large-4 medium-12"><div class="spa-card spa-card--overlay spa-card--medium spa-card__dismissible--none"><div class="spa-card__head"><div class="spa-card__head-wrapper"><div class="spa-card__title">New to the U.S.?</div></div></div><div class="spa-card__body"><div class="card-body"><p class="copy-text">Better Money Habits has resources on navigating your finances.</p><div class="more-link"><a id="learn-more-help" href="https://bettermoneyhabits.bankofamerica.com/en/moving-to-the-us-banking-guide" class="learnmore" target="_blank">Learn more <span class="ada-hidden">about resources on navigating your finances</span></a></div></div></div></div></div></div></div></div></div></div></div></div></section><section class="small-centered section-body"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="frequentlyAskedQuestionsModule" data-component="module" data-module="frequently-asked-questions-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/frequently-asked-questions-module" data-options="{}" data-init="FrequentlyAskedQuestionsModule" data-module-parameters="{}" class="frequently-asked-questions-module-class-v-1-0-0 frequently-asked-questions-module spa-module-init"><div class="row"><div class="columns small-12"><div class="faq-module-container flex-container"><section class="squeezebox-wrapper" id="faq" data-one-at-a-time="" data-squeezebox-type="" aria-label="Accordion of frequent questions"><h3>Frequently asked questions</h3><a href="#" class="spa-hidden spa-squeezebox-link" aria-hidden="true" data-breakout>Expand all panels</a><div class="squeezebox-group-control-wrapper" data-font="cnx-regular"><button class="squeezebox-group-control squeezebox-expand-all-link spa-btn spa-btn--link" type="button">Expand all<span class="ada-hidden"> panels</span></button> <span class="squeezebox-link-divider">| </span><button class="squeezebox-group-control squeezebox-collapse-all-link spa-btn spa-btn--link" type="button">Collapse all<span class="ada-hidden"> panels</span></button></div><div class="squeezebox-panels"><div class="squeezebox-panel" id="faqPanel0" data-slug="faqPanel0"><button name="What_is_a_checking_account_and_how_does_it_work" class="panel-header spa-oline spa-btn spa-btn--link" data-panel="faqPanel0" type="button" aria-controls="faqPanel0"><span class="spa-squeezebox-arrow spa-icon"></span>What is a checking account and how does it work? <span class="ada-hidden"></span></button><div class="panel-content" hidden><p>A checking account is a bank account where you can deposit and withdraw your money when you want. It’s the account you’ll likely use to deposit paychecks, pay bills, get cash and transfer funds. Checking accounts usually offer a debit card to use online, at stores and at ATMs. Some checking accounts offer paper checks for making payments. Some checking accounts may earn interest.</p></div></div><div class="squeezebox-panel" id="faqPanel1" data-slug="faqPanel1"><button name="How_are_checking_savings_and_certificate_of_deposit_CD_accounts_different" class="panel-header spa-oline spa-btn spa-btn--link" data-panel="faqPanel1" type="button" aria-controls="faqPanel1"><span class="spa-squeezebox-arrow spa-icon"></span>How are checking, savings and certificate of deposit (CD) accounts different? <span class="ada-hidden"></span></button><div class="panel-content" hidden><p>A <b>checking account</b> is for using your money for everyday needs, like making purchases or payments. Checking accounts usually offer a debit card to use online, at stores and at ATMs. Some checking accounts offer paper checks for making payments.</p><p>A <b>savings account</b> is for setting aside money for longer-term goals. Savings accounts earn interest and may offer an ATM card for making deposits and getting cash.</p><p>If you have a <b>Bank of America checking and savings account</b>, you can link them together and access both accounts at ATMs with your debit card. However, debit card payments and purchases withdraw from your checking account.</p><p>A <b>certificate of deposit (CD) account</b> is for setting aside money for a set time — from 1 month to several years. CDs may pay more interest, but your access to your money is limited until the end of the set time.</p></div></div><div class="squeezebox-panel" id="faqPanel2" data-slug="faqPanel2"><button name="How_do_I_open_a_Bank_of_America_checking_account_Can_I_open_one_online" class="panel-header spa-oline spa-btn spa-btn--link" data-panel="faqPanel2" type="button" aria-controls="faqPanel2"><span class="spa-squeezebox-arrow spa-icon"></span>How do I open a Bank of America checking account? Can I open one online? <span class="ada-hidden"></span></button><div class="panel-content" hidden><p class="faq-section-margin">You can apply for a Bank of America checking account online or at a financial center, with a few exceptions.</p><p class="fb-faq-section"><b class="fb-faq-section">For SafeBalance Banking<sup>®</sup> for Family Banking</b><br>You can only apply online. This account is for existing Bank of America customers. You must already have a personal checking or savings account with us and an Online Banking account login.</p><p><b class="fb-faq-section">For all other Bank of America checking accounts</b><br class="fb-faq-section">If you’re applying with someone under age 13, you must apply at a financial center. Otherwise, you can apply online.</p><p><b>How to apply online</b><br>1. Select an account and choose <b>Open now</b> to go to the application.<br>2. Enter and verify your information.<br>3. Choose features you want to add, like a debit card.<br>4. Once approved, make the minimum opening deposit of $25 or $100, depending on the account.<br>5. Check your email for next steps.</p><p><b>How to find a financial center</b><br>We have thousands of financial centers and ATMs across the U.S.<br><a id="financialCenter" href="https://locators.bankofamerica.com/" class="spa-fn spa-boa-window" data-options='{"block":true}'>Find a financial center or ATM</a></p></div></div><div class="squeezebox-panel" id="faqPanel3" data-slug="faqPanel3"><button name="What_does_FDICinsured_mean" class="panel-header spa-oline spa-btn spa-btn--link" data-panel="faqPanel3" type="button" aria-controls="faqPanel3"><span class="spa-squeezebox-arrow spa-icon"></span>What does FDIC-insured mean? <span class="ada-hidden"></span></button><div class="panel-content" hidden><p>The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. If an FDIC-insured bank or savings association fails, the FDIC protects depositors against the loss of their insured deposits. Deposits are automatically insured up to at least $250,000 per depositor, per FDIC-insured bank, per ownership category.</p><p>FDIC deposit insurance is backed by the United States government. FDIC insurance covers all types of deposit accounts — checking, savings, money market savings and CDs — as well as bank individual retirement accounts (IRAs).</p><p>Visit <a id="fdicLink" href="https://www.fdic.gov/" class="spa-fn spa-boa-window" data-options='{"block":true}'>the FDIC</a> for more information.</p></div></div></div></section><p class="faq-sub-content">Have more questions? Find answers at <a id="bankofamericahelp" href="https://www.bankofamerica.com/help/overview/?request/_locale=en/_US" class="spa-fn spa-boa-window" data-options='{"block":true}'>Bank of America Help</a></p></div></div></div></div></div></div></section><section class="small-centered section-body"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="zipcodeStylingModule" data-component="module" data-module="zipcode-styling-module" data-module-container="3.1.4" data-version="1.0.0" data-sparta-load="primary" data-module-ref="deposits/zipcode-styling-module" data-options="{}" data-init="ZipcodeStylingModule" data-module-parameters="{}" class="zipcode-styling-module-class-v-1-0-0 zipcode-styling-module spa-module-init"><div class="row"><div class="columns small-12"><div id="zipCodeSelectorModule" data-component="module" data-module="zip-code-selector-module" data-module-container="3.1.4" data-version="6.2.0" data-sparta-load="primary" data-module-ref="global/zip-code-selector-module" data-options="{}" data-init="zipCodeSelectorModuleJS" data-module-parameters='{"topMargin":false,"bottomMargin":false,"alwaysShowModal":false,"enableDebugMode":false,"skin":false,"centerOnSmall":false,"isSmallBusinessFlow":false,"noErrorPage":false}' class="zip-code-selector-module-class-v-6-2-0 zip-code-selector-module spa-module-init"><form novalidate><div class="row"><div id="zipCodeInputHeading">Showing information for</div><div class="small-12 columns flex-container"><div class="input-box"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zipCodeInputField">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"></span></label><input type="text" aria-describedby="zipCodeInputField_errorMessage zipCodeInputField-hint-text" pattern="^\d{5}$" data-mobile-input-type="number" data-default-input-type="text" data-android-input-type="tel" data-mobile-pattern="^\d{5}$" data-default-pattern="^\d{5}$" data-sparta-input-format="zip" autocomplete="postal-code" inputmode="numeric" novalidate="true" autocorrect="off" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"mask":"99999"}' class="spa-input-text" data-gis-mask="false" maxlength="5" id="zipCodeInputField" name="zipCodeInput" data-validation-rules='{"change":[{"zip":{"parameters":[],"errorMessage":"Please enter a valid zip"}}]}' required aria-required="true" data-required-error-message="Please enter a valid zip"><p id="zipCodeInputField-hint-text" class="spa-input-hint"></p><div class="spa-input-error-message spa-icon--error" id="zipCodeInputField_errorMessage" aria-hidden="true"></div></div></div><div class="sparta-button"><button class="spa-btn spa-btn--primary spa-btn--medium" id="go-button" type="button">Go</button></div></div></div></form><div id="countySelectModal" class="hide" data-options="{"type":"modal","closeOnEscape":false}"><h1 id="countySelectModal_title" class="spa-ui-layer-title" data-font="cnx-bold">Please select your county</h1><div class="content"><div id="countySelectModal" data-options='{"type":"modal"}'><div class="content"><form id="countySelectModalForm" name="countySelectModalForm" autocomplete="off" novalidate><div class="spa-input spa-input-box spa-dropdown spa-input--sparta2"><label class="spa-input-label" for="countySelectModalSelect"><span class="spa-input-label--asterisk"> *</span><span class="ada-hidden">Select a county</span></label><select id="countySelectModalSelect" name="countySelectModalSelect" class="county-select spa-input-select" noemptyoption="true" value="" data-val="" required aria-required="true" data-required-error-message="Please make a selection" aria-describedby="countySelectModalSelect_errorMessage "><option value="">Select</option></select><p class="spa-input-hint" id="countySelectModalSelect-hint-text"></p><div class="spa-input-error-message spa-icon--error" id="countySelectModalSelect_errorMessage" aria-hidden="true"></div></div><div class="modal-sparta-button"><button class="spa-btn" type="button">Go</button></div></form></div></div></div></div><div id="zipSelectModal" class="hide" data-options="{"type":"modal","closeOnEscape":false}"><h1 id="zipSelectModal_title" class="spa-ui-layer-title" data-font="cnx-bold">Enter your zip code</h1><div class="content"><div id="zipSelectModal" data-options='{"type":"modal"}'><div class="content"><form id="zipSelectModalForm" name="zipSelectModalForm" autocomplete="off" novalidate><p id="zipParagraph">Please enter the zip code for your home address so we can give you accurate rate and fee information for your location.</p><div class="input-wrapper flex-container"><div class="modal-input-box"><div class="spa-input spa-input-box spa-input--sparta2"><label class="spa-input-label" for="zipCodeModalInputField">ZIP code<span class="spa-input-label--asterisk"> *</span> <span class="ada-hidden"></span></label><input type="text" aria-describedby="zipCodeModalInputField_errorMessage zipCodeModalInputField-hint-text" pattern="^\d{5}$" data-mobile-input-type="number" data-default-input-type="text" data-android-input-type="tel" data-mobile-pattern="^\d{5}$" data-default-pattern="^\d{5}$" data-sparta-input-format="zip" autocomplete="postal-code" inputmode="numeric" novalidate="true" autocorrect="off" data-sparta-input-mask='{"greedy":true,"placeholder":"","clearMaskOnLostFocus":true,"showMaskOnHover":false,"showMaskOnFocus":true,"keepStatic":true,"jitMasking":true,"showTooltip":false,"inputEventOnly":true,"mask":"99999"}' class="spa-input-text" data-gis-mask="false" maxlength="5" id="zipCodeModalInputField" name="zipCodeInput" aria-describedby="zipParagraph" data-validation-rules='{"change":{"zip":{"parameters":[],"errorMessage":"Please enter a valid zip"}}}' required aria-required="true" data-required-error-message="Please enter a valid zip"><p id="zipCodeModalInputField-hint-text" class="spa-input-hint"></p><div class="spa-input-error-message spa-icon--error" id="zipCodeModalInputField_errorMessage" aria-hidden="true"></div></div></div><div class="modal-sparta-button"><button class="spa-btn" type="button">Go</button></div></div></form></div></div></div></div></div></div></div></div></div></div></section><section class="small-centered"><div class="row small-collapse medium-collapse large-collapse"><div class="large-12 columns"><div id="connectWithUs" data-component="module" data-module="connect-with-us" data-module-container="3.1.4" data-version="3.2.3" data-sparta-load="primary" data-module-ref="global/connect-with-us" data-init="connectWithUs" data-module-parameters='{"skin":"none","extendBottomMargin":false,"smallCentered":true,"checkPilotZip":false,"showSocial":true}' class="connect-with-us-class-v-3-2-3 connect-with-us spa-module-init"><div class="skin-none"><div class="row large-collapse" id="connect-container"><div class="columns small-12 large-10 large-offset-1 end"><h2 id="heading" class=""><span style="font-size:28px" class="show-for-small-only">Connect with us</span><span style="font-size:28px" class="show-for-medium-only">Connect with us</span><span style="font-size:44px" class="show-for-large-up">Connect with us</span></h2><div class="blocks-container" block-medium-split="true"><div class="block-container min-height-auto small-centered"><div class="spa-card spa-card--overlay spa-card--medium block spa-card__dismissible--none"><div class="spa-card__body"><div class="block-inner small-centered" id=""><div class="icon"><img height="100%" width="100%" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-connect-with-us-icon-calendar-black-CSX14dc7e2f.svg" aria-hidden="true" role="img"></div><div class="content-container"><div class="title"><a id="appointmentLink" href="//secure.bankofamerica.com/secure-mycommunications/public/appointments/" class="title-link" target="_blank">Schedule an appointment</a></div></div></div></div></div></div><div class="block-container min-height-auto small-centered"><div class="spa-card spa-card--overlay spa-card--medium block spa-card__dismissible--none"><div class="spa-card__body"><div class="block-inner small-centered" id=""><div class="icon"><img height="100%" width="100%" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-connect-with-us-icon-location-black-CSX4d415ed5.svg" aria-hidden="true" role="img"></div><div class="content-container"><div class="title"><a id="findLocation" href="//locators.bankofamerica.com/" class="title-link" target="_blank">Find a location</a></div></div></div></div></div></div><div class="block-container min-height-auto small-centered"><div class="spa-card spa-card--overlay spa-card--medium block spa-card__dismissible--none"><div class="spa-card__body"><div class="block-inner small-centered" id=""><div class="icon"><img height="100%" width="100%" src="https://www1.bac-assets.com/deposits/spa-assets/images/assets-images-global-connect-with-us-icon-contact-black-CSXcce2d264.svg" aria-hidden="true" role="img"></div><div class="content-container"><div class="title"><a id="contactUs" href="//www.bankofamerica.com/customer-service/contact-us/" class="title-link" target="_blank">Contact us</a></div></div></div></div></div></div><div class="block-container min-height-auto small-centered"><div class="spa-card spa-card--overlay spa-card--medium block spa-card__dismissible--none"><div class="spa-card__body"><div class="block-inner small-centered" id=""><div class="icon"><img height="100%" 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Member FDIC. <a id="equalHousingLender" href="/help/equalhousing-popup/" class="equalhousing spa-fn spa-boa-window" data-options='{"windowName":"equalHousingLenderWin","size":"","height":400,"width":600,"menubar":true,"scrollbars":true,"status":true}'>Equal Housing Lender</a></p><p class="footer__copyright-text">© 2024 Bank of America Corporation. 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