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Bank of America Preferred Rewards - Banking Rewards Program

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Relationship-based ads and online behavioral advertising help us do that.</p> <p>Bank of America participates in the Digital Advertising Alliance (&quot;DAA&quot;) self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit <a href="http://www.aboutads.info/choices/" target="_blank" rel="noopener noreferrer">YourAdChoices</a> powered by the Digital Advertising Alliance or through the <a href="https://www.networkadvertising.org/choices" target="_blank" rel="noopener noreferrer">Network Advertising Initiative's Opt-Out Tool</a>. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.</p> <p>To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the <a href="https://www.bankofamerica.com/privacy/online-privacy-notice.go?request_locale=en_US" target="_blank" rel="noopener noreferrer">Bank of America Online Privacy Notice</a> and our <a href="https://www.bankofamerica.com/privacy/faq/online-privacy-faq.go?request_locale=en_US" target="_blank" rel="noopener noreferrer">Online Privacy FAQs</a>.</p> </div> </div> </div> </dialog> </div> <div class="aem-wrap--multi-level-navigation aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-multi-level-navigation-_-1284940405"> <div id="multi-level-navigation" class="multi-level-navigation header not-modal has-label " data-action="multiNavigation"> <div class="multi-level-navigation__wrapper"> <div class="wrapper_split"> <a 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id="main-content" class=" "> <div class="root responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="aem-wrap--masthead aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-masthead-_-1959103647"> <section id="visit-my-rewards" class="masthead masthead-1959103647 not-modal masthead--custom masthead--center masthead--hasLogo masthead--text-black no-margin"> <div class="container section__wrapper masthead__wrapper default"> <div class="masthead__logo"> <div class="masthead__logoWrapper"> <img class="masthead__logoImg" src="/content/dam/consumer-marketing/preferredrewards/diamond/icons/img_PREquation_mob.png" role="img" alt="Bank of America preferred rewards"/> </div> </div> <div class="masthead__section"> <div class="masthead__section-upper"> <h1 class="masthead__heading"> <span class="masthead__heading--lead"></span> <span class="masthead__heading--copy text-black text-large">Rewards built around you.</span> </h1> </div> <div class="masthead__section-lower"> <a id="masthead479720062-_-learn-more" class="cta cta__desktop cta--iconText t-track-cta__link cta--blue t-track-cta " href="/content/experience-fragments/consumer_marketing/preferred-rewards/en_disclosures/masthead-video/master" data-bactmln="masthead-_-CTA-_-LEARN-MORE_/content/experience-fragments/consumer_marketing/preferred-rewards/en_disclosures/masthead-video/master" aria-label="Learn more" lang="en" target="modal"> <img src="/content/dam/consumer-marketing/preferredrewards/icons/preferredrewards-play-button-mob.svg" role="img" alt="play video"/> LEARN MORE </a> </div> </div> </div> </section> </div> <style type="text/css"> @media screen and (max-width:642px) { .masthead-1959103647 { background-image: url(\2f content\2f dam\2f consumer-marketing\2fpreferredrewards\2fresearchexperience\2fmasthead\2fMobile_375x400_ESP.jpg); } } @media screen and (min-width:643px) { .masthead-1959103647 { background-image: url(\2f content\2f dam\2f 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Preferred Rewards® program, you can get more value out of things you already do, such as benefits and pricing discounts on your car, home, credit card rates and more. Plus, we combine your Bank of America and Merrill investment balances<sup data-disclosureid="disclosure-1/master" data-disclosuretype="number"><a href="#disclosure-317172511" aria-label="Footnote 1">1</a></sup> to maximize your rewards and make your money work harder for you.</p> </div> </div> <div class="masthead__section-lower"> <a id="masthead1630991571-_-visit-my-rewards" class="cta cta__desktop t-track-cta__link cta--blue t-track-cta " href="https://www.bankofamerica.com/deeplink/redirect.go?target=myrwrds_prbr&screen=MyRewards:PreferredRewards&version=7.9.0" data-bactmln="masthead-_-CTA-_-Visit-My-Rewards_https://www.bankofamerica.com/deeplink/redirect.go?target=myrwrds_prbr&amp;screen=MyRewards:PreferredRewards&amp;version=7.9.0" aria-label="visit my rewards" target="_blank" rel="noopener noreferrer"> Visit My Rewards </a> </div> <div class="masthead__legalCopy text" data-action="text" data-component-context="masthead"><p>Don't have a Bank of America checking account yet?</p> <p><a href="https://www.bankofamerica.com/deposits/checking/advantage-banking/" target="_blank" rel="noopener noreferrer">Open an account</a></p> </div> </div> </div> </section> </div> <style type="text/css"> </style></div> <div class="aem-wrap--jump-navigation aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-jump-navigation-_-1179773539"> <section id="jump-navigation" class="jump-navigation not-modal bg-white " data-action="jumpNavigation"> <div class="jump-navigation__wrapper"> <div class="jump-navigation__sticky-header "> <div class="jump-navigation__sticky-header-wrapper " aria-label="Jump Navigation Menu" role="navigation"> <button class="jump-navigation__mobile-heading text-black bg-white"> <span> Jump to Category <svg class="jump-navigation__arrow-icon" style="enable-background:new 0 0 512 512;" version="1.1" viewBox="0 0 512 512" xml:space="preserve" aria-hidden="true" focusable="false" xmlns="http://www.w3.org/2000/svg" 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a goal to see how your combined Bank of America deposit and Merrill investing balances may get you more","clearFiltersLabel":"Clear all selected goals","tiles":{"gold":[{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"25%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 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data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"$600","desc":"<p>Reduced origination fee on a new purchase or refinance mortgage<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.375%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"20%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.15%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}],"platinum":[{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"50%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>NO-FEE ATM TRANSACTIONS</p>\r\n","summary":"12/year","desc":"<p>Up to one per statement cycle at non-Bank of America ATMs<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On up to 4 eligible checking and 4 savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"1.5%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.35%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"$400","desc":"<p>Reduced origination fee on a new purchase or refinance mortgage<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.250%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"10%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.10%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}],"diamond":[{"leadIn":"<p>LIFESTYLE BENEFITS</p>\r\n","summary":"","desc":"<p><a href=\"https://promotions.bankofamerica.com/preferredrewards/diamond?prstat=bofa\" target=\"_blank\" rel=\"noopener noreferrer\">Access to unique experiences and premium offers</a><sup data-disclosureid=\"disclosure-3/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-492174115\" aria-label=\"Footnote 4\">4</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>NO-FEE ATM TRANSACTIONS</p>\r\n","summary":"Unlimited","desc":"<p>No-fee transactions at non-Bank of America ATMs<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"75%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On all your eligible checking and savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"2%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping.</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>INTERNATIONAL TRAVEL</p>\r\n","summary":"Unlimited","desc":"<p>No international transaction fees or ATM fees<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"0.250%","desc":"<p>Interest rate reduction when PayPlan is established<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.625%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.50%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"20%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.15%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}]},"i18nLabelsNext":"Previous","i18nLabelsPrevious":"Next","i18nLabelsActivateAccessVersion":"Change to accessible version","mobileLabels":{"showTierSubheadingInMobile":false,"mobileFiltersLabel":"Filter","mobileFilterButtonDefaultStateLabel":"Select your goals","mobileFilterButtonActiveStateLabel":"Goals selected","mobileFilterResetButtonAriaLabel":"Clear all selected goals","goalsModalHeadingLabel":"Select goals","goalsModalSubheadingText":null,"goalsModalHeadingFontWeight":"bold","goalsModalCloseButtonAriaLabel":"Close","goalsModalSelectFiltersLabel":"Select all","goalsModalUnselectFiltersLabel":"Unselect all","goalsModalCancelButtonLabel":"Cancel","goalsModalApplyButtonLabel":"Apply","i18nLabelExtraTextAnd":"and","i18nLabelExtraTextMore":"More"}};</script></div> </div> </div> <div class="experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="aem-wrap--long-form-text aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-long-form-text-_-1490890187"> <section id="long-form-text" class="long-form-text not-modal no-margin bg-white"> <div class="section__wrapper long-form-text__wrapper"> <div class="text" data-action="text" data-component-context="long-form-text"> <p>*Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about Merrill pricing, visit <a href="https://www.merrilledge.com/pricing" target="_blank" rel="noopener noreferrer">merrilledge.com/pricing</a>.</p> </div> </div> </section> </div></div> </div> </div> </div> <div class="jump-navigation__nav-item-detail-box" id="requirements"> <div class="aem-wrap--features aem-GridColumn"> <div id="target-wrapper-_-features-_-216819883"> <section id="avgbal" class="features not-modal horizontal features--bg-white no-margin" data-action="featuredList"> <div class="container section__wrapper features__wrapper" data-arrow-prev-label="Previous" data-arrow-next-label="Next"> <h2 class="features__heading text-black text-medium">Program requirements</h2> <div class="features__subHeading text" data-action="text" data-component-context="features"><p>To qualify, all you need is:</p> </div> <div class="features__items features__items--2 "> <div class="features__item "> <div class="features__icon icon__bright-red text-brightRed"> <span class="uc-icon uc-icon-finance-card icon__bright-red text-brightRed" aria-hidden="true"></span> </div> <div class="features__items-wrapper"> <h3 class="features__item--title">Bank of America checking account</h3> <div class="features__item--copy text" data-action="text" data-component-context="features"> <p>Make sure your account is active and eligible. <a href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=myrwrds_prbr&amp;version=7.9.0&amp;screen=MyRewards:PreferredRewards&amp;channel=desktop" target="_blank" rel="noopener noreferrer">Log in to Online Banking</a> to see if you qualify.</p> </div> </div> </div> <div class="features__item "> <div class="features__icon icon__bright-red text-brightRed"> <span class="uc-icon uc-icon-finance-accounts icon__bright-red text-brightRed" aria-hidden="true"></span> </div> <div class="features__items-wrapper"> <h3 class="features__item--title">$20K 3-month average combined balance</h3> <div class="features__item--copy text" data-action="text" data-component-context="features"> <p>Qualifications are based on your <a href="/content/experience-fragments/consumer_marketing/preferred-rewards/combined_modal/combined-modal/master.html" target="modal">combined balances</a> of your Bank of America deposit and/or Merrill investment accounts.</p> </div> </div> </div> </div> </div> </section> </div></div> <div class="aem-wrap--content-banner"> <div id="target-wrapper-_-content-banner-_-1541167131"> <section class="content-banner not-modal bg-white " data-action="contentBanner"> <div class="container section__wrapper content-banner__wrapper justify-center icon-onside media-center"> <div class="content-banner__content text full-width" data-action="text" data-component-context="content-banner"> <p>Don’t have a Bank of America account yet?</p> <p><a aria-label="Open a Bank of america account" href="https://www.bankofamerica.com/deposits/checking/advantage-banking" target="_blank" rel="noopener noreferrer">Open a checking account</a></p> <a class="cta cta__desktop t-track-cta__link cta--blue t-track-cta " href="https://www.bankofamerica.com/deposits/checking/advantage-banking" target="_blank" rel="noopener noreferrer"> Log in to enroll </a> </div> </div> </section> </div> </div> </div> <div class="jump-navigation__nav-item-detail-box" id="changingtiers"> <div class="aem-wrap--long-form-text"> <div id="target-wrapper-_-long-form-text-_-1405715334"> <section id="long-form-text" class="long-form-text not-modal bg-white"> <div class="section__wrapper long-form-text__wrapper"> <div class="text" data-action="text" data-component-context="long-form-text"> <h3>Changing tiers</h3> <p>Balances fluctuate all the time. 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closeTranscriptText="Close Transcript" closeDisclaimerText="Close Disclaimer" disclaimerTitle="Disclaimer" transcriptTitle="Transcript" carouselNextArrowText="Go to Next Item" carouselPreviousArrowText="Return to Previous Item" carouselDotsLabel="of" playlistItemLabel="Item {0} of {1} Play {2} video" validCloseCaptions="true" data-video-id="1_rflumy28_Preferred Rewards How to Videos - Uptiering Consumer"> <div id="1_rflumy28" class="uc-media__player"> </div> <div class="uc-media-transcript" aria-hidden="true" aria-expanded="false"> <div class="uc-media-transcript__header"> <button aria-label="Close Transcript" class="uc-media-transcript__close uc-media-icon-close" tabindex="-1" title="Close Transcript"></button> </div> <div class="uc-media-transcript__container" tabindex="-1"> <h3 class="uc-media-transcript__title">Transcript</h3> <div class="uc-media-transcript__text"></div> </div> </div> <script type="application/ld+json"></script> </uc-media> </div> <div class="content-tile__column"> <div class="content-tile__icon icon__black text-black"> <span class="uc-icon icon__black text-black" aria-hidden="true"></span> </div> <h3 class="content-tile__title"> <span class="content-tile__title--copy text-black text-small">Value that grows as your balances increase</span> </h3> <div class="content-tile__copy col-xs-12 text" data-action="text" data-component-context="content-tile"> <p>We make sure that our members automatically receive the highest tier of Preferred Rewards benefits that their eligible balances allow. For example, if you're currently in the Gold tier and you qualify for Platinum, you will be automatically moved into the higher tier and enjoy even greater benefits.</p> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--content-tile"> <div id="target-wrapper-_-content-tile-_-1558051104"> <div id="content-tile" class="content-tile content-tile__right not-modal bg-white full-width"> <div class="content-tile__wrapper container"> <div class="row content-tile__row text-verCenter "> <div class="content-tile__column"> <div class="content-tile__icon icon__black text-black"> <span class="uc-icon icon__black text-black" aria-hidden="true"></span> </div> <h3 class="content-tile__title"> <span class="content-tile__title--copy text-black text-small">Support if your balances dip</span> </h3> <div class="content-tile__copy col-xs-12 text" data-action="text" data-component-context="content-tile"> <p>Once you’re a Preferred Rewards member, you’ll keep your program benefits for a full 12 months, even if your balances dip temporarily. We make it simple for you to keep your benefits, and we offer grace periods for when life happens.</p> </div> </div> <div class="video col-xs-12 col-sm-12 col-md-6"> <uc-media version="v1_3.10.3-con-aem" class="uc-component uc-media" data-action="unityMedia" buttonAnimation="false" buttonPosition="center" entryId="1_ksbyvgdd" infiniteCarousel="false" isAudio="false" isAuthorMode="false" isPlaylist="false" isVertical="false" partnerId="4699762" playerId="51133253" playlistAutoContinue="false" playlistFilter="false" playlistTheme="black" showDisclaimer="false" theme="blue" 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closeTranscriptText="Close Transcript" closeDisclaimerText="Close Disclaimer" disclaimerTitle="Disclaimer" transcriptTitle="Transcript" carouselNextArrowText="Go to Next Item" carouselPreviousArrowText="Return to Previous Item" carouselDotsLabel="of" playlistItemLabel="Item {0} of {1} Play {2} video" validCloseCaptions="true" data-video-id="1_ksbyvgdd_Preferred Rewards How To videos - Untargeted Gold Consumer and Consumer Investments"> <div id="1_ksbyvgdd" class="uc-media__player"> </div> <div class="uc-media-transcript" aria-hidden="true" aria-expanded="false"> <div class="uc-media-transcript__header"> <button aria-label="Close Transcript" class="uc-media-transcript__close uc-media-icon-close" tabindex="-1" title="Close Transcript"></button> </div> <div class="uc-media-transcript__container" tabindex="-1"> <h3 class="uc-media-transcript__title">Transcript</h3> <div class="uc-media-transcript__text"></div> </div> </div> <script type="application/ld+json"></script> </uc-media> </div> </div> </div> </div> </div></div> </div> <div class="jump-navigation__nav-item-detail-box" id="calculatebenefits"> <div class="aem-wrap--separator"> <div> <div id="calculator" class="prb-calculator not-modal " tabindex="-1"></div> </div> <script type="text/javascript"> var preferredRewardCalcJson = {"startValue":"0","startValueLabel":"$0","minRangeValue":"20000","minRangeLabel":"$20K","numberBenefitsTier":4,"anchorID":"calculator","removeBottomMargin":"","ccFieldLabel":"Monthly credit card spending:","qualifyingBalance":"20000","defaultCCspending":"500","monthlyBenefitsCopy":"I have a 3-month average balance of <balance-input> in all my accounts","remainingBalanceCopy":"You need <remaining-balance> more to qualify for Preferred Rewards","eligibleCopy":"View my benefits, you now qualify for Preferred Rewards","benefitCTAlabel":"View my benefits","heading":"Calculate your potential Preferred Rewards savings","headingLevel":"h3","subHeading":"<p>Determine <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-3-month-combined-balance/master.html\" target=\"modal\"><span class=\"text-royalBlue\">your tier</span></a> based on your combined eligible Bank of America deposit and Merrill investing balance.</p>\r\n<p><sub>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits. This calculator is not for use with amounts greater than $9,999,999.</sub></p>\r\n","rangeItems":[{"label":"$50k","color":"gold","maxRange":"49999","incrementValue":"100"},{"label":"$100k","color":"platinum","maxRange":"99999","incrementValue":"100"},{"label":"$1M","color":"platinum-honors","maxRange":"999999","incrementValue":"100"},{"label":"$10M","color":"diamond","maxRange":"9999999","incrementValue":"100"}],"tier1":{"tierColor":"gold","primaryHeading":" You're eligible for Gold tier","subHeading":"<p>Based on potential qualifying account balances of <avg-monthly-balance>, you could enjoy these Preferred Rewards Gold tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span>.</a><br>\r\n</p>\r\n","altSubHeading":"<p>Based on potential qualifying account balances of $20,000, you could enjoy these Preferred Rewards Gold tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a>.</p>\r\n","totalBenefitAmountCopy":"<p>Total value of potential benefits: <total-benefits> for the year<br>\r\n<sub>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</sub></p>\r\n","viewBenefits":"View Platinum tier","defaultCCcopy":"<p>Based on the typical annual rewards earned (not including base rewards earned) on $<default-card-spending> in monthly purchases made with an eligible Bank of America credit card and a 25% Gold tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\">Calculate rewards for other credit card products</a></p>\r\n","accordionItemList":[{"id":"fa3016f1-1299-4365-8363-0f2bf1bafccc","benefitLabel":"Credit card rewards bonus<sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup>","benefitLabelColor":"text-black","formula":"${customSpending} * 0.0127 * 0.25 * 12","benefitDetails":"<p>Based on the typical annual rewards earned (not including base rewards earned) on $<credit-card-spending> in monthly purchases made with an eligible Bank of America credit card and a 25% Gold tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</credit-card-spending></p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\">Calculate rewards for other credit card products</a></p>\r\n"},{"id":"bf7fd519-df2d-4004-a50e-e062a3a0c073","benefitLabel":"No-fee banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup>","benefitLabelColor":"text-black","formula":"8","benefitDetails":"<p>Based on potential annual savings on ATM or debit card rush replacement, stop payments, incoming domestic wire transfers and more. Actual savings will vary based on which services you use.</p>\r\n"},{"id":"5dc60b9b-e9c1-4940-9e48-f8362aed0b12","benefitLabel":"Mortgage origination fee reduction<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup>","benefitLabelColor":"text-black","formula":"200","benefitDetails":"<p>The origination fee reduction is available as a one-time benefit on a new mortgage or refinance loan, based on your tier at application.</p>\r\n"},{"id":"b5835c30-6587-49b0-b63e-5a45f031dde4","benefitLabel":"Home equity interest rate discount<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup>","benefitLabelColor":"text-black","formula":"60000*0.00125","benefitDetails":"<p>Potential annual benefit is based on a&nbsp;0.125% interest rate discount on a new home equity line of credit with an average balance of $60,000, based on your tier at application.</p>\r\n"},{"id":"b0069821-b382-4611-b7b7-8b31f66c7e8a","benefitLabel":"Auto loan interest rate discount<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup>","benefitLabelColor":"text-black","formula":"${autoLoanToken},0.0025","benefitDetails":"<p>Potential annual Preferred Rewards benefit based on a 0.25% Gold tier rate discount for a new $38,000 auto loan at a &lt;loan-rate&gt;% interest rate over a 60-month term.</p>\r\n"},{"id":"9f2bf9b4-603b-4842-b63a-58416dca24c2","benefitLabel":"Monthly maintenance fees waived","benefitLabelColor":"text-black","formula":"248","benefitDetails":"<p>Based on the average monthly maintenance fees waived annually for members in this tier.</p>\r\n"},{"id":"a97e79d0-742d-47f5-ab2a-d37478466aab","benefitLabel":"Merrill Guided Investing<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup>","benefitLabelColor":"text-royalBlue","formula":"${inputRangeValue} * 0.0005","benefitDetails":"<p>Based on a 0.05% Gold tier program fee discount and an average balance of $20,000. Provides an estimated annual savings of $10.</p>\r\n"}],"cta":[{"ariaLabel":"Log in to enroll in Preferred Rewards","heading":null,"altText":null,"mobileCTACheck":false,"colorType":"cta--blue","dmCodeCheck":null,"imageSource":null,"phoneNumberChecked":null,"rel":"noopener noreferrer","showIconText":false,"tag":null,"tagId":null,"target":"_blank","text":"Log in to enroll","trackingBackMln":null,"trackingId":null,"uniqueId":1594617965,"url":"https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=prepoptin","mobile":null,"videoIcon":null}]},"tier2":{"tierColor":"platinum","primaryHeading":"<p>You're eligible for Platinum tier</p>\r\n","subHeading":"<p>Based on potential qualifying account balances of <avg-monthly-balance>, you could enjoy these Preferred Rewards Platinum tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a>.</p>\r\n","altSubHeading":"<p>Based on potential qualifying account balances of $50,000, you could enjoy these Preferred Rewards Platinum tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a>.</p>\r\n","totalBenefitAmountCopy":"<p>Total value of potential benefits: <total-benefits> for the year<br>\r\n<sub>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</sub></p>\r\n","viewBenefits":"View Platinum Honors tier","defaultCCcopy":"<p>Based on the typical annual bonus rewards earned (not including base rewards earned) on $<default-card-spending> in monthly purchases made with an eligible Bank of America credit card and a 50% Platinum tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</default-card-spending></p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Calculate rewards for other credit card products</a></p>\r\n","accordionItemList":[{"id":"89a5d272-6533-40aa-849d-9196937f6ee4","benefitLabel":"Credit card rewards bonus<sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup>","benefitLabelColor":"text-black","formula":"${customSpending} * 0.0126 * 0.50 * 12","benefitDetails":"<p>Based on the typical annual bonus rewards earned (not including base rewards earned) on $<credit-card-spending> in monthly purchases made with an eligible Bank of America credit card and a 50% Platinum tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</credit-card-spending></p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Calculate rewards for other credit card products</a></p>\r\n"},{"id":"4e8aaad5-909e-4f89-8172-6e5402e57af4","benefitLabel":"No-fee ATM transactions<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup>","benefitLabelColor":"text-black","formula":"6","benefitDetails":"<p>Based on fees potentially waived (1/month) on non-Bank of America ATMs in the U.S.</p>\r\n"},{"id":"2018b097-4d53-49c1-b876-e1f2c221446b","benefitLabel":"No-fee banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup>","benefitLabelColor":"text-black","formula":"17","benefitDetails":"<p>Based on a potential annual savings on ATM or debit card rush replacement, stop payments, incoming domestic wire transfers and more. Actual savings will vary based on which services you use.</p>\r\n"},{"id":"aeb49730-b494-42f0-9330-fac0fad2f1e3","benefitLabel":"Mortgage origination fee reduction<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup>","benefitLabelColor":"text-black","formula":"400","benefitDetails":"<p>The origination fee reduction is available as a one-time benefit on a new mortgage or refinance loan, based on your tier at application.</p>\r\n"},{"id":"346febf2-1bd1-4471-8e23-8f2053ae16c6","benefitLabel":"Home equity interest rate discount<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup>","benefitLabelColor":"text-black","formula":"60000*0.00250","benefitDetails":"<p>Potential annual benefit is based on a 0.250% interest rate discount on a new home equity line of credit with an average balance of $60,000, based on your tier at application.</p>\r\n"},{"id":"67813efe-189e-4e19-90c0-520f62f5be19","benefitLabel":"Auto loan interest rate discount<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup>","benefitLabelColor":"text-black","formula":"${autoLoanToken},0.0035","benefitDetails":"<p>Potential annual Preferred Rewards benefit based on a 0.35% Platinum tier rate discount for a new $38,000 auto loan at a &lt;loan-rate&gt;% interest rate over a 60-month term.</p>\r\n"},{"id":"0608e179-962e-48d2-b510-300bec947a7c","benefitLabel":"Monthly maintenance fees waived","benefitLabelColor":"text-black","formula":"322","benefitDetails":"<p>Based on the average monthly maintenance fees waived annually for members in this tier.</p>\r\n"},{"id":"f5a156a2-4686-4d30-80d3-3c5ba5037f26","benefitLabel":"Merrill Guided Investing<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup>","benefitLabelColor":"text-royalBlue","formula":"${inputRangeValue} * 0.0010","benefitDetails":"<p>Based on a 0.10% Platinum tier program discount and an average balance of $50,000. Provides an estimated annual savings of $50.</p>\r\n"}],"cta":[{"ariaLabel":"Log in to enroll in Preferred Rewards","heading":null,"altText":null,"mobileCTACheck":false,"colorType":"cta--blue","dmCodeCheck":null,"imageSource":null,"phoneNumberChecked":null,"rel":"noopener noreferrer","showIconText":false,"tag":null,"tagId":null,"target":"_blank","text":"Log in to enroll","trackingBackMln":null,"trackingId":null,"uniqueId":1594617965,"url":"https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=prepoptin","mobile":null,"videoIcon":null}]},"tier3":{"tierColor":"platinum-honors","primaryHeading":"<p>You're eligible for Platinum Honors tier</p>\r\n","subHeading":"<p>Based on potential qualifying account balances of <avg-monthly-balance>, you could enjoy these Preferred Rewards Platinum Honors tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a>.</p>\r\n","altSubHeading":"<p>Based on potential qualifying account balances of $100,000, you could enjoy these Preferred Rewards Platinum Honors tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a></p>\r\n","totalBenefitAmountCopy":"<p>Total value of potential benefits: <total-benefits> for the year<br>\r\n<sub>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</sub></p>\r\n","viewBenefits":"View Diamond tier","defaultCCcopy":"<p>Based on the typical annual bonus rewards earned&nbsp;(not including base rewards earned) on $<default-card-spending> in monthly purchases made with an eligible Bank of America credit card and a 75% Platinum Honors tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\">Calculate rewards for other credit card products</a></p>\r\n","accordionItemList":[{"id":"7abbde50-1f6f-44e0-b209-db4324f68869","benefitLabel":"Credit card rewards bonus<sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup>","benefitLabelColor":"text-black","formula":"${customSpending} * 0.0124 * 0.75 * 12","benefitDetails":"<p>Based on the typical annual bonus rewards earned&nbsp;(not including base rewards earned) on $&lt;credit-card-spending&gt; in monthly purchases made with an eligible Bank of America credit card and a 75% Platinum Honors tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\">Calculate rewards for other credit card products</a></p>\r\n"},{"id":"9f663994-9d52-4599-9366-cd9705f6f2a5","benefitLabel":"No-fee ATM transactions<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup>","benefitLabelColor":"text-black","formula":"12","benefitDetails":"<p>Based on fees potentially waived&nbsp;(unlimited) annually at non-Bank of America ATMs in the U.S.</p>\r\n"},{"id":"6d29417b-3621-4f70-9fd0-580385f52d34","benefitLabel":"No-fee banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup>","benefitLabelColor":"text-black","formula":"28","benefitDetails":"<p>Based on potential annual savings on ATM or debit card rush replacement, stop payments, incoming domestic wire transfers and more. Actual savings will vary based on which services you use.</p>\r\n"},{"id":"6dad4a30-3322-48b7-b2a8-418b7f82cd04","benefitLabel":"Mortgage origination fee reduction<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup>","benefitLabelColor":"text-black","formula":"600","benefitDetails":"<p>The origination fee reduction is available as a one-time benefit on a new mortgage or refinance loan, based on your tier at application.</p>\r\n"},{"id":"f0d46025-f3b5-4563-9885-f6ad1fc920bc","benefitLabel":"Home equity interest rate discount<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup>","benefitLabelColor":"text-black","formula":"60000*0.00375","benefitDetails":"<p>Potential annual benefit is based on a 0.375% interest rate discount on a new home equity line of credit with an average balance of $60,000, based on your tier at application.</p>\r\n"},{"id":"edb71821-8c5c-4529-bc4f-9ef42fa93b6c","benefitLabel":"Auto loan interest rate discount<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup>","benefitLabelColor":"text-black","formula":"${autoLoanToken},0.0050","benefitDetails":"<p>Potential annual Preferred Rewards benefit based on a 0.50% Platinum Honors tier rate discount for a new $38,000 auto loan at a &lt;loan-rate&gt;% interest rate over a 60-month term.</p>\r\n"},{"id":"7008fdd4-a7b8-4ff1-90c0-8f36c0b46022","benefitLabel":"Monthly maintenance fees waived","benefitLabelColor":"text-black","formula":"391","benefitDetails":"<p>Based on the average monthly maintenance fees waived annually for members in this tier.</p>\r\n"},{"id":"d41ad238-358f-48bd-9b45-90cfd4154206","benefitLabel":"Merrill Guided Investing<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup>","benefitLabelColor":"text-royalBlue","formula":"${inputRangeValue} * 0.0015","benefitDetails":"<p>Based on a 0.15% Platinum Honors tier program discount and an average balance of $100,000. Provides an estimated annual savings of $150.</p>\r\n"}],"cta":[{"ariaLabel":"Log in to enroll in Preferred Rewards","heading":null,"altText":null,"mobileCTACheck":false,"colorType":"cta--blue","dmCodeCheck":null,"imageSource":null,"phoneNumberChecked":null,"rel":"noopener noreferrer","showIconText":false,"tag":null,"tagId":null,"target":"_blank","text":"Log in to enroll","trackingBackMln":null,"trackingId":null,"uniqueId":1594617965,"url":"https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=prepoptin","mobile":null,"videoIcon":null}]},"tier4":{"tierColor":"diamond","primaryHeading":"<p>You're eligible for Diamond tier</p>\r\n","subHeading":"<p>Based on potential qualifying account balances of <avg-monthly-balance>, you could enjoy these Preferred Rewards Diamond tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a>.</p>\r\n","altSubHeading":"<p>Based on potential qualifying account balances of $1,000,000, you could enjoy these Preferred Rewards Diamond tier <a href=\"/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/pr-calc-check-benefits/master.html\" target=\"modal\"><span class=\"text-royalBlue\">benefits</span></a>.</p>\r\n","totalBenefitAmountCopy":"<p>Total value of potential benefits: <total-benefits>&nbsp;for the year<br>\r\n<sub>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</sub></p>\r\n","viewBenefits":null,"defaultCCcopy":"<p>Based on the typical annual bonus rewards earned&nbsp;(not including base rewards earned) on $<default-card-spending> in monthly purchases made with an eligible Bank of America credit card and a 75% Diamond tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Calculate rewards for other credit card products</a></p>\r\n","accordionItemList":[{"id":"e3cc0c67-6bd7-4b2e-92f2-234aa33a7a5e","benefitLabel":"Credit card rewards bonus<sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup>","benefitLabelColor":"text-black","formula":"${customSpending} * 0.0124 * 0.75 * 12","benefitDetails":"<p>Based on the typical annual bonus rewards earned&nbsp;(not including base rewards earned) on $&lt;credit-card-spending&gt; in monthly purchases made with an eligible Bank of America credit card and a 75% Diamond tier bonus. Estimated bonus rewards shown is based on using a Customized Cash Rewards card, for illustrative purposes.</p>\r\n<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Calculate rewards for other credit card products</a></p>\r\n"},{"id":"ef25ddba-7d54-43ac-9ac4-0a75f77376b1","benefitLabel":"Mortgage interest rate reduction<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup>","benefitLabelColor":"text-black","formula":"${mortgageReduction},0.0025","benefitDetails":"<p>Based on a 0.250% interest rate reduction on a new mortgage or refinance average loan balance of $750,000, based on your tier at application and PayPlan enrollment prior to closing.</p>\r\n"},{"id":"925da7b6-bab6-402d-b29a-eb361e951a95","benefitLabel":"No-fee banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup>","benefitLabelColor":"text-black","formula":"37","benefitDetails":"<p>Based on potential annual savings on ATM or debit card rush replacement, stop payments, incoming and outgoing domestic wire transfers and more. Actual savings will vary based on which services you use.</p>\r\n"},{"id":"2aaf1764-b663-452a-8f80-a2e684cba89e","benefitLabel":"Home equity interest rate discount<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup>","benefitLabelColor":"text-black","formula":"60000*0.00625","benefitDetails":"<p>Potential annual benefit is based on a 0.625% interest rate discount on a new home equity line of credit with an average balance of $60,000, based on your tier at application.</p>\r\n"},{"id":"e4260491-5846-4fa8-aac8-8877e6a3635b","benefitLabel":"Auto loan interest rate discount<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup>","benefitLabelColor":"text-black","formula":"${autoLoanToken},0.0050","benefitDetails":"<p>Potential annual Preferred&nbsp;Rewards benefit based on a 0.50% Diamond tier rate discount for a new $38,000 auto loan at a &lt;loan-rate&gt;% interest rate over a 60-month term.</p>\r\n"},{"id":"ead2bd0b-9ec7-4f97-b163-a21c225ecdcf","benefitLabel":"No-fee ATM transactions<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup>","benefitLabelColor":"text-black","formula":"21","benefitDetails":"<p>Based on fees potentially waived&nbsp;(unlimited) at all domestic and international non-Bank of America ATMs.</p>\r\n"},{"id":"d89f257b-1752-41ed-81bc-7fc554e3b4f7","benefitLabel":"Monthly maintenance fees waived","benefitLabelColor":"text-black","formula":"234","benefitDetails":"<p>Based on fees potentially waived&nbsp;for unlimited checking and savings accounts.</p>\r\n"},{"id":"e01c6919-ae5c-4c2b-b1dd-34fe9330640f","benefitLabel":"Merrill Guided Investing<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup>","benefitLabelColor":"text-royalBlue","formula":"${inputRangeValue} * 0.0015","benefitDetails":"<p>Based on a 0.15% Diamond tier program discount and an average balance of $100,000. Provides an estimated annual savings of $150.</p>\r\n"}],"cta":[{"ariaLabel":"Log in to enroll in Preferred Rewards","heading":null,"altText":null,"mobileCTACheck":false,"colorType":"cta--blue","dmCodeCheck":null,"imageSource":null,"phoneNumberChecked":null,"rel":"noopener noreferrer","showIconText":false,"tag":null,"tagId":null,"target":"_blank","text":"Log in to enroll","trackingBackMln":null,"trackingId":null,"uniqueId":1594617965,"url":"https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=prepoptin","mobile":null,"videoIcon":null}]},"loanTermString":"1","loanRate":"0.060","mortgageLoanAmount":"750000","loanType":"Dealer New","loanTerm":"Rate60","loanAmount":"38000","stateCode":"FL","autoLoanApi":"https://homeloans5.bankofamerica.com/rateboard/ratefeedautoloan/","autoLoanToken":"${autoLoanToken}","optionalLabel":"(Optional)","backLabel":"Back","goldLabel":"Gold","platinumLabel":"Platinum","platinumHonorsLabel":"Platinum Honors","diamondLabel":"Diamond","diamondHonorsLabel":"Diamond Honors","inputRangeValueToken":"${inputRangeValue}","customSpendingToken":"${customSpending}","balanceInputToken":"<balance-input>","totalBenefits":"<total-benefits>","remainingBalance":"<remaining-balance>","avgMonthlyBalance":"<avg-monthly-balance>","defaultCardSpending":"<default-card-spending>","autoLoanRateToken":"<loan-rate>","creditCardSpendingToken":"<credit-card-spending>","benefitsToken":"<calculated-benefit>"};</script> </div> </div> <div class="jump-navigation__nav-item-detail-box" id="awardsandaccolades"> <div class="experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="aem-wrap--tiles aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-tiles-_-359303319"> <section id="tiles" class="tiles tiles--bg-gray not-modal hasHeading" data-action="tiles"> <div class="container section__wrapper tiles__wrapper"> <h2 class="tiles__heading text-black text-medium ">Awards and accolades </h2> <div class="tiles__sub-heading">Our award-winning program makes it easy to get more value while maximizing your rewards without hassle: no sign-up fee, annual fee, penalties or additional information required.</div> <div class="row tiles__row tiles__row--center"> <div class="tiles__item tiles__item--two"> <div class="tiles__media large-image"> <picture> <source media="(min-width: 1068px)" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Newsweek_Desktop_790x540_v1.png"/> <source media="(min-width: 640px)" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Newsweek_Tablet_768x290_v1.png"/> <source media="(min-width: 375px)" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Newsweek_Mobile_375x290_v1.png"/> <img sizes="(min-width: 19.5vw) 33.3vw, 55.62vw" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Newsweek_Mobile_375x290_v1.png 375w, /content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Newsweek_Tablet_768x290_v1.png 640w, /content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Newsweek_Desktop_790x540_v1.png 1068w" alt="Newsweek award"/> </picture> </div> <div class="tiles__content "> <div class="tiles__copy text" data-action="text" data-component-context="tiles"> <p>Best Customer Loyalty Programs List<sup data-disclosureid="disclosure-11/master" data-disclosuretype="number"><a href="#disclosure-1569324048" aria-label="Footnote 13">13</a></sup></p> <p><b>Newsweek</b></p> </div> </div> </div> <div class="tiles__item tiles__item--two"> <div class="tiles__media large-image"> <picture> <source media="(min-width: 1068px)" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Ascent_Desktop_790x540_v1.png"/> <source media="(min-width: 640px)" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Ascent_Tablet_768x290_v1.png"/> <source media="(min-width: 375px)" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Ascent_Mobile_375x290_v1.png"/> <img sizes="(min-width: 19.5vw) 33.3vw, 55.62vw" srcset="/content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Ascent_Mobile_375x290_v1.png 375w, /content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Ascent_Tablet_768x290_v1.png 640w, /content/dam/consumer-marketing/preferredrewards/researchexperience/C10_Awards_Tile_Ascent_Desktop_790x540_v1.png 1068w" alt="The Ascent Award"/> </picture> </div> <div class="tiles__content "> <div class="tiles__copy text" data-action="text" data-component-context="tiles"> <p>Best Bank Customer Loyalty Program<sup data-disclosureid="disclosure-12/master" data-disclosuretype="number"><a href="#disclosure-982832913" aria-label="Footnote 14">14</a></sup></p> <p><b>The Ascent (a Motley Fool service) </b></p> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> <div class="jump-navigation__nav-item-detail-box" id="faq"> <div class="experiencefragment"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="aem-wrap--long-form-text aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-long-form-text-_-1544246763"> <section id="long-form-text" class="long-form-text not-modal no-margin bg-white"> <div class="section__wrapper long-form-text__wrapper"> <div class="text" data-action="text" data-component-context="long-form-text"> <h2 class="text-medium">FAQ</h2> </div> </div> </section> </div></div> <div class="aem-wrap--accordion aem-GridColumn aem-GridColumn--default--12"> <section id="faq" class="accordion no-margin section-right control-black not-modal" data-action="accordion"> <div class="accordion container section__wrapper accordion__wrapper"> <div class="accordion-items" style="display: block;"> <div class="accordion-items-option"> <a id="accordion451919027-_-expandable-_-expand-all-expande" class="expand t-track-custom-click" href="#" data-bactmln="accordion-_-expandable-_-Expand-all-expanded" aria-label="Expand all sections">Expand all</a> <span aria-hidden="true" class="divider">|</span> <a id="accordion1587046052-_-expandable-_-collapse-all-collapse" class="collapse t-track-custom-click" href="#" data-bactmln="accordion-_-expandable-_-Collapse-all-collapsed" aria-label="Collapse all sections">Collapse all</a> </div> <div id="accordion-item-_-accordion-_-2111955667" class="accordion-item accordion open"> <h3 class="accordion-item__question section-gray"> <button id="accordion58973634-_-expandable-_-what-is-the-preferred-rewards-program_" data-bactmln="accordion-_-expandable-_-What-is-the-Preferred-Rewards-program_-expanded" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-2111955667"> <span class="accordion-item__text accordionHead text-black text-small">What is the Preferred Rewards program?</span> </button> </h3> <div id="accordion-item__answer-_-2111955667" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>The <b>Bank of America Preferred Rewards program</b> offers real benefits and rewards on your everyday banking and investing. And as your qualifying Bank of America® deposit accounts and/or Merrill® investment balances grow, so do your benefits.</p> <p>There are four tiers in the Preferred Rewards program, and&nbsp;your tier is based on the qualifying combined balances in your Bank of America deposit and/or Merrill investment accounts. Once you’re a Preferred Rewards member, you'll keep your program benefits for at least a full year, so no need to worry if your balances dip temporarily. In addition, your balances are reviewed monthly to see if you qualify for a higher tier. If so, you'll automatically move to the next level of rewards.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1169551702" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion2125521075-_-expandable-_-how-do-i-qualify_" data-bactmln="accordion-_-expandable-_-How-do-I-qualify_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1169551702"> <span class="accordion-item__text accordionHead text-black text-small">How do I qualify?</span> </button> </h3> <div id="accordion-item__answer-_-1169551702" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>All you need to qualify is an eligible Bank of America® personal checking account and a three-month combined average daily balance of $20,000 or more in <a href="/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/faq-qualifying-accounts/master.html" target="modal">qualifying Bank of America deposit accounts and/or Merrill® investment accounts</a>.&nbsp;Then you can enroll in the program.</p> <p><a href="https://www.bankofamerica.com/deeplink/redirect.go?target=myrwrds_prbr&amp;screen=MyRewards:PreferredRewards&amp;version=7.9.0" target="_blank" rel="noopener noreferrer">Log in to Online Banking to see if you qualify</a></p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-58922083" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion51335365-_-expandable-_-are-there-any-fees-associated-with-the-preferred-rewards-program_" data-bactmln="accordion-_-expandable-_-Are-there-any-fees-associated-with-the-Preferred-Rewards-program_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-58922083"> <span class="accordion-item__text accordionHead text-black text-small">Are there any fees associated with the Preferred Rewards program?</span> </button> </h3> <div id="accordion-item__answer-_-58922083" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>No. There is no fee to join, no fee for ongoing participation, no fee to opt-out. There are no fees associated with Preferred Rewards.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1139075796" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1117352725-_-expandable-_-what-value-of-benefits-could-i-potentially-earn_" data-bactmln="accordion-_-expandable-_-What-value-of-benefits-could-I-potentially-earn_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1139075796"> <span class="accordion-item__text accordionHead text-black text-small">What value of benefits could I potentially earn?</span> </button> </h3> <div id="accordion-item__answer-_-1139075796" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>The value to you will be determined by all the ways you can utilize the various benefits. On average members increased their overall benefits to $500 a year with Preferred Rewards. For example, you could potentially benefit from interest rate discounts, credit card rewards bonuses, no-fee ATM transactions and Merrill Guided Investing Program discounts. To find out more, check out our <a href="https://promotions.bankofamerica.com/preferredrewards/en#calculator" target="_self" aria-label="Preferred Rewards calculator">Preferred Rewards calculator</a>.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1166803431" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion164685483-_-expandable-_-do-i-have-to-enroll-to-become-a-preferred-rewards-member_" data-bactmln="accordion-_-expandable-_-Do-I-have-to-enroll-to-become-a-Preferred-Rewards-member_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1166803431"> <span class="accordion-item__text accordionHead text-black text-small">Do I have to enroll to become a Preferred Rewards member?</span> </button> </h3> <div id="accordion-item__answer-_-1166803431" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Yes, through Online Banking, but enrollment is simple. There are no fees to join or participate in Preferred Rewards. And once you're enrolled, as your balances qualify you for the next level of rewards, you'll receive an automatic tier upgrade.</p> <p><a href="https://www.bankofamerica.com/deeplink/redirect.go?target=myrwrds_prbr&amp;screen=MyRewards:PreferredRewards&amp;version=7.9.0" target="_blank" rel="noopener noreferrer">Log in to Online Banking to get started</a></p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1067617190" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion150016334-_-expandable-_-what-happens-if-my-program-balance-drops-after-i-enroll-in-preferred-rewards-and-i-go-into-a-grace-status_" data-bactmln="accordion-_-expandable-_-What-happens-if-my-program-balance-drops-after-I-enroll-in-Preferred-Rewards-and-I-go-into-a-grace-status_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1067617190"> <span class="accordion-item__text accordionHead text-black text-small">What happens if my program balance drops after I enroll in Preferred Rewards and I go into a grace status?</span> </button> </h3> <div id="accordion-item__answer-_-1067617190" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>No need to worry if your balances dip temporarily; you'll keep your Preferred Rewards program status for a full year. If after a year you no longer meet the balance requirement, you'll get a three-month grace period. If you haven't met the balance requirement after those three months, you'll be moved to a lower tier or lose your Preferred Rewards benefits, if you no longer qualify.</p> <p>If you meet the balance requirements again within 24 months after losing your benefits, we’ll automatically reinstate your Preferred Rewards membership. If you meet the requirements after 24 months, you’ll need to re-enroll in the program.</p> <p><a href="/content/experience-fragments/consumer_marketing/preferred-rewards/research-experience/faq-calculate-balance-tier/master.html" target="modal">Learn more about how we calculate your balance and tier level</a></p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1066546732" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1851137152-_-expandable-_-what-is-included-in-the-no-fee-banking-services_" data-bactmln="accordion-_-expandable-_-What-is-included-in-the-no-fee-banking-services_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1066546732"> <span class="accordion-item__text accordionHead text-black text-small">What is included in the no-fee banking services?</span> </button> </h3> <div id="accordion-item__answer-_-1066546732" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Here are some of the no-fee services that Preferred Rewards members are eligible for, based upon their tier:</p> <ul> <li>Monthly maintenance fees are waived on checking and savings accounts, for up to four accounts for the Gold, Platinum and Platinum Honors tiers; unlimited number of accounts for Diamond tier</li> <li>ATM/Debit card rush fees are waived for all Preferred Rewards tiers</li> <li>Non-Bank&nbsp;of America ATM fees are waived for withdrawals and transfers at the Platinum tier and above –one per statement cycle for Platinum; and unlimited for Platinum Honors and Diamond tiers</li> <li>ATM international transaction fees are waived for Diamond tier</li> <li>Incoming domestic wire transfer fees are waived for all Preferred Rewards tiers</li> <li>Outgoing wire transfer fees are waived (two per statement cycle), for Diamond tier</li> <li>Stop payment fee is waived for all Preferred Rewards tiers</li> <li>Small safe deposit box is available for Platinum tier and above</li> </ul> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1070328357" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1052187732-_-expandable-_-what-is-my-rewards_" data-bactmln="accordion-_-expandable-_-What-is-My-Rewards_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1070328357"> <span class="accordion-item__text accordionHead text-black text-small">What is My Rewards?</span> </button> </h3> <div id="accordion-item__answer-_-1070328357" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>My Rewards is where you can see the value of all your rewards in <a href="https://www.bankofamerica.com/preferred-rewards/my-rewards/" target="_blank" rel="noopener noreferrer">one convenient place</a>, whether you’re in Online Banking or on the Bank of America Mobile Banking app.<sup data-disclosureid="mobile-banking/master" data-disclosuretype="number"><a href="#disclosure-193185573" aria-label="Footnote 15">15</a></sup> It tracks your Preferred Rewards benefits, credit card rewards and BankAmeriDeals®<sup data-disclosureid="disclosure-14-bamd/master" data-disclosuretype="number"><a href="#disclosure-91147504" aria-label="Footnote 16">16</a></sup> in a single location, so you can review at a glance and explore other available benefits that you may not be using. Your three-month average daily balance is also displayed in My Rewards.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1108423167" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion904455011-_-expandable-_-i-am-enrolled-in-preferred-rewards-on-my-personal-accounts_-what-is-the-difference-between-preferred-rewards-and-preferred-rewards-for-business_" data-bactmln="accordion-_-expandable-_-I-am-enrolled-in-Preferred-Rewards-on-my-personal-accounts_-What-is-the-difference-between-Preferred-Rewards-and-Preferred-Rewards-for-Business_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1108423167"> <span class="accordion-item__text accordionHead text-black text-small">I am enrolled in Preferred Rewards on my personal accounts. What is the difference between Preferred Rewards and Preferred Rewards for Business?</span> </button> </h3> <div id="accordion-item__answer-_-1108423167" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>If you’re enrolled in the Preferred Rewards consumer program for personal accounts, you aren’t automatically enrolled in the Preferred Rewards for Business program. You are eligible and can enroll in the Preferred Rewards for Business program separately as long as your business (entity) is eligible by meeting the eligibility criteria and has:</p> <ul> <li>An active, eligible Bank of America business checking account and</li> <li>A three-month combined average daily balance of $20,000 or more in qualifying Bank of America business deposit accounts and/or Merrill business investment accounts. You can enroll in the program and begin enjoying all the programs features and benefits.</li> </ul> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1137167087" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1828428878-_-expandable-_-do-i-need-to-open-new-accounts-to-take-advantage-of-preferred-rewards-benefits_" data-bactmln="accordion-_-expandable-_-Do-I-need-to-open-new-accounts-to-take-advantage-of-Preferred-Rewards-benefits_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1137167087"> <span class="accordion-item__text accordionHead text-black text-small">Do I need to open new accounts to take advantage of Preferred Rewards benefits?</span> </button> </h3> <div id="accordion-item__answer-_-1137167087" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>It depends on which accounts you already have. To become a Preferred Rewards member, you must have an active, eligible Bank of America® checking account. Once you enroll in Preferred Rewards, you can receive&nbsp;benefits on your existing eligible Bank of America banking and Merrill<sup>®</sup> investing accounts.</p> <p>To take advantage of some Preferred Rewards benefits, your existing accounts may require an account conversion, or you may want to open a new account to receive other program benefits. For example, for savings and credit card benefits, you'll need:</p> <ul> <li><a href="https://www.bankofamerica.com/deposits/savings/savings-accounts/" target="_blank" rel="noopener noreferrer">A Bank of America Advantage Savings account</a>, to receive the savings interest rate booster&nbsp;</li> <li><a href="https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/" target="_blank" rel="noopener noreferrer">An eligible Bank of America credit card</a>, such as the Unlimited Cash Rewards, Customized Cash Rewards, Travel Rewards, or Premium Rewards® card, to receive the credit card rewards bonus&nbsp;</li> </ul> <p>Once you’re enrolled in Preferred Rewards, you can speak with a specialist to convert your existing savings account to a Bank of America Advantage Savings&nbsp;account or apply for a new credit card account that's eligible for the rewards bonus.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1061764410" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1062968388-_-expandable-_-how-can-i-move-to-a-higher-preferred-rewards-tier_" data-bactmln="accordion-_-expandable-_-How-can-I-move-to-a-higher-Preferred-Rewards-tier_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1061764410"> <span class="accordion-item__text accordionHead text-black text-small">How can I move to a higher Preferred Rewards tier?</span> </button> </h3> <div id="accordion-item__answer-_-1061764410" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>After you enroll, you can move to a higher Preferred Rewards tier — and enjoy more benefits and rewards — by increasing your qualifying Bank of America® deposit and/or Merrill® investment balances. Every month, we'll review your three-month average daily balance and if it’s high enough, you'll receive an automatic tier upgrade. To view your qualifying three-month combined average daily balance, log in to Online Banking or use our mobile app and go to My Rewards.</p> <p>Here's an example:</p> <p>You’ve been a Preferred Rewards Gold tier member for six months, with an average combined daily balance in your Bank of America and Merrill accounts of $30,000. If your average balance reached $60,000 in month seven and $90,000 in month eight, you’d qualify for the Platinum tier because your three-month average daily balance would be $60,000.*</p> <p style="text-align: center;"><img src="https://promotions.bankofamerica.com/content/dam/consumer-marketing/preferredrewards/pref-rew-faq-tier-up-250x150.jpg" alt="30-60-90 tier up example" align="center"><br> Three-month total: $180,000<br> Divided by three months = $60,000 average daily balance<br> Congratulations! You’ve qualified for the Platinum tier.</p> <p><i>*Your tier upgrade may take a bit longer if there are other changes to your account.</i></p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1062883425" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1406379514-_-expandable-_-what-extra-benefits-are-available-in-the-preferred-rewards-diamond-tier_" data-bactmln="accordion-_-expandable-_-What-extra-benefits-are-available-in-the-Preferred-Rewards-Diamond-tier_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1062883425"> <span class="accordion-item__text accordionHead text-black text-small">What extra benefits are available in the Preferred Rewards Diamond tier?</span> </button> </h3> <div id="accordion-item__answer-_-1062883425" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Diamond tier members have access to a curated suite of luxury benefits and extraordinary experiences across dining, travel, culture, and more. For more details, review the exclusive benefits available to <a href="https://promotions.bankofamerica.com/preferredrewards/diamond?prstat=bofa" target="_blank">Diamond tier</a> members.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1113151736" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1262906005-_-expandable-_-how-can-preferred-rewards-help-me-earn-more-rewards-on-my-bank-of-america-credit-cards_" data-bactmln="accordion-_-expandable-_-How-can-Preferred-Rewards-help-me-earn-more-rewards-on-my-Bank-of-America-credit-cards_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1113151736"> <span class="accordion-item__text accordionHead text-black text-small">How can Preferred Rewards help me earn more rewards on my Bank of America credit cards?</span> </button> </h3> <div id="accordion-item__answer-_-1113151736" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Once you’re a Preferred Rewards member, you’ll earn 25% to 75% more rewards on every purchase made with eligible Bank of America® credit cards. For example, a purchase that typically earns $1.00 in cash rewards will earn $1.25 to $1.75, depending on your Preferred Rewards tier. Bank of America credit cards offer many different benefits to enhance what matters most to you — from cash back to dining and travel rewards. Learn more about how Preferred Rewards can <a href="https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/" target="_blank" rel="noopener noreferrer">boost your credit card rewards</a>.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1699004835" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1192688004-_-expandable-_-when-will-my-preferred-rewards-benefits-become-active_" data-bactmln="accordion-_-expandable-_-When-will-my-Preferred-Rewards-benefits-become-active_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1699004835"> <span class="accordion-item__text accordionHead text-black text-small">When will my Preferred Rewards benefits become active?</span> </button> </h3> <div id="accordion-item__answer-_-1699004835" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Typically, Preferred Rewards benefits become active within 30 days of your enrollment. Some benefits are automatically activated upon the effective date of your enrollment, requiring no action on your part. If you’ve opened a new account and enroll in Preferred Rewards, your benefits will become active within 30 days of account opening, unless we indicate otherwise. Note that some rewards may require you to open a new account or take other action to enjoy the complete benefits.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1703709021" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion405071412-_-expandable-_-how-can-i-increase-my-balance-in-order-to-qualify-for-preferred-rewards_" data-bactmln="accordion-_-expandable-_-How-can-I-increase-my-balance-in-order-to-qualify-for-Preferred-Rewards_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1703709021"> <span class="accordion-item__text accordionHead text-black text-small">How can I increase my balance in order to qualify for Preferred Rewards?</span> </button> </h3> <div id="accordion-item__answer-_-1703709021" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>To meet the minimum $20,000 combined balance requirement, you can move money over from accounts at other banks or investment firms, such as 401(k) or IRA accounts, or perhaps a vacation or rainy-day fund.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1064673586" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion2029140124-_-expandable-_-do-i-need-to-have-a-bank-of-america_-checking-account-to-be-a-preferred-rewards-member_" data-bactmln="accordion-_-expandable-_-Do-I-need-to-have-a-Bank-of-America_-checking-account-to-be-a-Preferred-Rewards-member_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1064673586"> <span class="accordion-item__text accordionHead text-black text-small">Do I need to have a Bank of America® checking account to be a Preferred Rewards member?</span> </button> </h3> <div id="accordion-item__answer-_-1064673586" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Yes, to enroll in Preferred Rewards you’ll need an eligible Bank of America® personal checking account and a three-month combined average daily balance of $20,000 or more in eligible Bank of America deposit accounts and/or Merrill® investment accounts.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1066695744" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1631770957-_-expandable-_-can-i-enroll-in-preferred-rewards-now_-even-though-i-need-to-open-a-bank-of-america_-checking-account-and-maintain-the-qualifying-balance_" data-bactmln="accordion-_-expandable-_-Can-I-enroll-in-Preferred-Rewards-now_-even-though-I-need-to-open-a-Bank-of-America_-checking-account-and-maintain-the-qualifying-balance_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1066695744"> <span class="accordion-item__text accordionHead text-black text-small">Can I enroll in Preferred Rewards now, even though I need to open a Bank of America® checking account and maintain the qualifying balance?</span> </button> </h3> <div id="accordion-item__answer-_-1066695744" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Yes, we offer early enrollment if you don’t currently have an eligible Bank of America® personal checking account (or haven’t had one in 12 months or more). You’ll need to open an eligible checking account, then you’ll have the option to enroll in Preferred Rewards.&nbsp;</p> <p>You must have the minimum combined balance of $20,000 in your eligible Bank of America deposit accounts and/or your Merrill® investment accounts within 30 days of opening the checking account. Once you meet the $20,000 balance requirement, you’ll be automatically enrolled in Preferred Rewards.</p> <p>This means that you can enroll in the program early, before you’ve met the three-month combined average daily balance minimum requirement of $20,000.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1074278613" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1895828310-_-expandable-_-does-enrolling-in-preferred-rewards-qualify-me-for-lending-and-credit-products_" data-bactmln="accordion-_-expandable-_-Does-enrolling-in-Preferred-Rewards-qualify-me-for-lending-and-credit-products_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1074278613"> <span class="accordion-item__text accordionHead text-black text-small">Does enrolling in Preferred Rewards qualify me for lending and credit products?</span> </button> </h3> <div id="accordion-item__answer-_-1074278613" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Enrolling in Preferred Rewards does not automatically qualify you for lending or credit products. Our credit approval requirements, standard underwriting and credit policies still apply.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-2121840769" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1476238119-_-expandable-_-how-could-having-a-merrill_-investment-account-help-me-get-to-a-higher-preferred-rewards-tier_" data-bactmln="accordion-_-expandable-_-How-could-having-a-Merrill_-investment-account-help-me-get-to-a-higher-Preferred-Rewards-tier_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-2121840769"> <span class="accordion-item__text accordionHead text-black text-small">How could having a Merrill® investment account help me get to a higher Preferred Rewards tier?</span> </button> </h3> <div id="accordion-item__answer-_-2121840769" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Merrill® investment account balances count toward Preferred Rewards tier balance requirements to help you make the most of all the program benefits and get to a higher tier.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1058969787" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1756739312-_-expandable-_-how-is-merrill-related-to-bank-of-america_" data-bactmln="accordion-_-expandable-_-How-is-Merrill-related-to-Bank-of-America_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1058969787"> <span class="accordion-item__text accordionHead text-black text-small">How is Merrill related to Bank of America?</span> </button> </h3> <div id="accordion-item__answer-_-1058969787" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Merrill and Bank of America are both wholly-owned subsidiaries of Bank of America Corporation. The Bank of America Preferred Rewards program is designed to offer benefits based on the breadth of a client’s relationship with us, including the combined balances in their eligible Bank of America® deposit accounts and/or Merrill® investment accounts.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1065594318" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion1759525405-_-expandable-_-what-types-of-auto-loans-are-eligible-to-receive-the-preferred-rewards-auto-loan-interest-rate-discount_" data-bactmln="accordion-_-expandable-_-What-types-of-auto-loans-are-eligible-to-receive-the-Preferred-Rewards-auto-loan-interest-rate-discount_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1065594318"> <span class="accordion-item__text accordionHead text-black text-small">What types of auto loans are eligible to receive the Preferred Rewards auto loan interest rate discount?</span> </button> </h3> <div id="accordion-item__answer-_-1065594318" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>The Preferred Rewards auto loan interest rate discount only applies to loan applications that you submit directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1049521459" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion588259995-_-expandable-_-what-are-the-monthly-check-deposit-limits-for-preferred-rewards-members_" data-bactmln="accordion-_-expandable-_-What-are-the-monthly-check-deposit-limits-for-Preferred-Rewards-members_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1049521459"> <span class="accordion-item__text accordionHead text-black text-small">What are the monthly check deposit limits for Preferred Rewards members?</span> </button> </h3> <div id="accordion-item__answer-_-1049521459" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Preferred Rewards members qualify for higher monthly limits on Mobile Check Deposits. There is a monthly limit for Mobile Check Deposits and it’s displayed when you select your deposit account. Once you’ve hit that limit, you can’t deposit another check with the app until the limit is reset at the beginning of the next month.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1042685995" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion634545644-_-expandable-_-how-can-i-earn-rewards-on-my-bank-of-america_-small-business-accounts_" data-bactmln="accordion-_-expandable-_-How-can-I-earn-rewards-on-my-Bank-of-America_-small-business-accounts_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1042685995"> <span class="accordion-item__text accordionHead text-black text-small">How can I earn rewards on my Bank of America® small business accounts?</span> </button> </h3> <div id="accordion-item__answer-_-1042685995" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>With the <a href="https://business.bankofamerica.com/preferred-rewards-business.html" target="_blank" rel="noopener noreferrer">Preferred Rewards for Business</a> program, you can earn valuable benefits and rewards on your everyday business banking. As your qualifying Bank of America® business deposit accounts and/or Merrill® business investment balances grow, so do your benefits.</p> <p>There are three tiers in the Preferred Rewards for Business program: Gold, Platinum and Platinum Honors.&nbsp;Your business may be eligible to enroll if it qualifies for one of these tiers based on the combined balances in your Bank of America business deposit accounts and/or Merrill business investment accounts. <a href="https://www.bankofamerica.com/preferred-rewards/business-advantage/details/" target="_blank" rel="noopener noreferrer">Compare rewards and benefits for business</a></p> <p>Keep in mind that your Bank of America personal accounts are not eligible to receive Preferred Rewards for Business benefits.</p> </div> </div> </div> </div> </div> <div id="accordion-item-_-accordion-_-1725758145" class="accordion-item accordion "> <h3 class="accordion-item__question section-gray"> <button id="accordion943205301-_-expandable-_-does-bank-of-america-offer-deals-and-rewards-in-addition-to-preferred-rewards_" data-bactmln="accordion-_-expandable-_-Does-Bank-of-America-offer-deals-and-rewards-in-addition-to-Preferred-Rewards_-collapsed" class="accordion-item__handle section-gray t-track-custom-click" aria-expanded="false" aria-controls="accordion-item__answer-_-1725758145"> <span class="accordion-item__text accordionHead text-black text-small">Does Bank of America offer deals and rewards in addition to Preferred Rewards?</span> </button> </h3> <div id="accordion-item__answer-_-1725758145" class="accordion-item__answer section-white" role="region"> <div><div class="aem-wrap--text"> <div class="text not-modal" data-action="text" data-component-context="text"> <p>Deals and rewards, including rewards credit cards like the Customized Cash Rewards card, are available in addition to Preferred Rewards. To learn more visit <a href="https://promotions.bankofamerica.com/preferredrewards/rewardscentral" aria-label="rewards central" target="_blank" rel="noopener noreferrer">Rewards Central</a>.</p> </div> </div> </div> </div> </div> </div> </div> </section> <div class="newpar"> </div> </div> </div> </div> </div> </div> <div class="jump-navigation__disable-sticky"></div> <div class="jump-navigation__overlay"></div> </section> </div></div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="aem-wrap--pr-tiers-with-goals aem-GridColumn aem-GridColumn--default--12"> <section id="tiers" class="pr-tiers-goals bg-white not-modal no-margin"> </section> <script type="text/javascript"> var prTierGoalsJson = {"removeTopMargin":"","heading":"Program benefits and tiers","headingColor":"text-black","headingSize":"text-small","headingLevel":"h2","subHeading":"<p>Discover how you can unlock even more value with each tier. Simply select the tier you qualify for and explore the benefits offered.</p>\r\n","tierOutlineStyle":"only-shadow","tierOutlineColor":"border-gray","tilesOutlineStyle":"none","tilesAlignment":"text-left","tileHeading":"<tier-name> tier benefits","tiers":[{"tier":"gold","badge":"/content/dam/consumer-marketing/preferredrewards/researchexperience/C66-prgoals-banner-gold.png","badgeAlt":"Gold Tier ribbon","heading":"$20K to < $50K","subheading":"3-month combined average daily balance","openTierOnPageVisitInMobile":false,"tierName":"Gold Tier"},{"tier":"platinum","badge":"/content/dam/consumer-marketing/preferredrewards/researchexperience/C66-prgoals-banner-platinum.png","badgeAlt":"Platinum tier","heading":"$50K to < $100K","subheading":"3-month combined average daily balance","openTierOnPageVisitInMobile":false,"tierName":"Platinum 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data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.10%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}],"diamond":[{"leadIn":"<p>LIFESTYLE BENEFITS</p>\r\n","summary":"","desc":"<p><a href=\"https://promotions.bankofamerica.com/preferredrewards/diamond?prstat=bofa\" target=\"_blank\" rel=\"noopener noreferrer\">Access to unique experiences and premium offers</a><sup data-disclosureid=\"disclosure-3/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-492174115\" aria-label=\"Footnote 4\">4</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>NO-FEE ATM TRANSACTIONS</p>\r\n","summary":"Unlimited","desc":"<p>No-fee transactions at non-Bank of America ATMs<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"75%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On all your eligible checking and savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"2%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping.</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>INTERNATIONAL TRAVEL</p>\r\n","summary":"Unlimited","desc":"<p>No international transaction fees or ATM fees<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"0.250%","desc":"<p>Interest rate reduction when PayPlan is established<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.625%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.50%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"20%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.15%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}]},"i18nLabelsNext":"Previous","i18nLabelsPrevious":"Next","i18nLabelsActivateAccessVersion":"Change to accessible version","mobileLabels":{"showTierSubheadingInMobile":false,"mobileFiltersLabel":"Filter","mobileFilterButtonDefaultStateLabel":"Select your goals","mobileFilterButtonActiveStateLabel":"Goals selected","mobileFilterResetButtonAriaLabel":"Clear all selected goals","goalsModalHeadingLabel":"Select 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3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On up to 4 eligible checking and 4 savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"1%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping.</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.25%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.125%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"$200","desc":"<p>Reduced origination fee on a new purchase or refinance mortgage<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"5%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING </span></p>\r\n","summary":"0.05%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}],"platinumHonors":[{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"75%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>NO-FEE ATM TRANSACTIONS</p>\r\n","summary":"Unlimited","desc":"<p>No-fee transactions at non-Bank of America ATMs<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On up to 4 eligible checking and 4 savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"2%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.50%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"$600","desc":"<p>Reduced origination fee on a new purchase or refinance mortgage<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.375%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"20%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.15%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}],"platinum":[{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"50%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>NO-FEE ATM TRANSACTIONS</p>\r\n","summary":"12/year","desc":"<p>Up to one per statement cycle at non-Bank of America ATMs<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On up to 4 eligible checking and 4 savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"1.5%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.35%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"$400","desc":"<p>Reduced origination fee on a new purchase or refinance mortgage<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.250%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"10%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.10%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}],"diamond":[{"leadIn":"<p>LIFESTYLE BENEFITS</p>\r\n","summary":"","desc":"<p><a href=\"https://promotions.bankofamerica.com/preferredrewards/diamond?prstat=bofa\" target=\"_blank\" rel=\"noopener noreferrer\">Access to unique experiences and premium offers</a><sup data-disclosureid=\"disclosure-3/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-492174115\" aria-label=\"Footnote 4\">4</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>BANKING SERVICES</p>\r\n","summary":"No Fees","desc":"<p>On select everyday banking services<sup data-disclosureid=\"disclosure-5/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1301520741\" aria-label=\"Footnote 6\">6</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>NO-FEE ATM TRANSACTIONS</p>\r\n","summary":"Unlimited","desc":"<p>No-fee transactions at non-Bank of America ATMs<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","travel"]},{"leadIn":"<p>CREDIT CARD</p>\r\n","summary":"75%","desc":"<p><a href=\"https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/\" target=\"_blank\" rel=\"noopener noreferrer\">Rewards bonus on eligible Bank of America credit cards</a><sup data-disclosureid=\"disclosure-2/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2059982846\" aria-label=\"Footnote 3\">3</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","improveCredit","travel","renovate"]},{"leadIn":"<p>PRIORITY SERVICE</p>\r\n","summary":"","desc":"<p>888.888.7937</p>\r\n<p>Access to dedicated specialists for your product and service needs</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","improveCredit","travel","renovate"]},{"leadIn":"<p>DEPOSITS</p>\r\n","summary":"No Monthly Maintenance Fees","desc":"<p>On all your eligible checking and savings accounts</p>\r\n","disclaimer":"","categories":["budgetAndStartSaving"]},{"leadIn":"<p>FOREIGN CURRENCY</p>\r\n","summary":"2%","desc":"<p>Exchange rate discount for mobile and online orders, plus free standard shipping.</p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>INTERNATIONAL TRAVEL</p>\r\n","summary":"Unlimited","desc":"<p>No international transaction fees or ATM fees<sup data-disclosureid=\"disclosure-10/disclosure-10-v2\" data-disclosuretype=\"number\"><a href=\"#disclosure-1996784089\" aria-label=\"Footnote 11\">11</a></sup></p>\r\n","disclaimer":"","categories":["travel"]},{"leadIn":"<p>MORTGAGE</p>\r\n","summary":"0.250%","desc":"<p>Interest rate reduction when PayPlan is established<sup data-disclosureid=\"disclosure-4/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1250636220\" aria-label=\"Footnote 5\">5</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","renovate"]},{"leadIn":"<p>HOME EQUITY</p>\r\n","summary":"0.625%","desc":"<p>Interest rate discount on a new home equity line of credit<sup data-disclosureid=\"disclosure-7/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-2110867367\" aria-label=\"Footnote 8\">8</a></sup></p>\r\n","disclaimer":"","categories":["buyAHome","improveCredit","buyACar","renovate"]},{"leadIn":"<p>AUTO LOAN</p>\r\n","summary":"0.50%","desc":"<p>Interest rate discount for new loan applications submitted directly to Bank of America<sup data-disclosureid=\"disclosure-8/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-368057032\" aria-label=\"Footnote 9\">9</a></sup></p>\r\n","disclaimer":"","categories":["improveCredit","buyACar"]},{"leadIn":"<p>SAVINGS</p>\r\n","summary":"20%","desc":"<p>Interest rate booster on a Bank of America Advantage Savings account<sup data-disclosureid=\"disclosure-6/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-441289594\" aria-label=\"Footnote 7\">7</a></sup></p>\r\n","disclaimer":"","categories":["budgetAndStartSaving","saveForRetirement","saveForABigPurchase","buyAHome","travel","buyACar","renovate"]},{"leadIn":"<p><span class=\"text-royalBlue\">MERRILL GUIDED INVESTING</span></p>\r\n","summary":"0.15%","desc":"<p>Annual program fee discount<sup data-disclosureid=\"disclosure-9/master\" data-disclosuretype=\"number\"><a href=\"#disclosure-1374753303\" aria-label=\"Footnote 10\">10</a></sup></p>\r\n<p>Other fees may apply*</p>\r\n","disclaimer":"","categories":["saveForRetirement","saveForABigPurchase","buyAHome"]}]},"i18nLabelsNext":"Previous","i18nLabelsPrevious":"Next","i18nLabelsActivateAccessVersion":"Change to accessible version","mobileLabels":{"showTierSubheadingInMobile":false,"mobileFiltersLabel":"Filter","mobileFilterButtonDefaultStateLabel":"Select your goals","mobileFilterButtonActiveStateLabel":"Goals selected","mobileFilterResetButtonAriaLabel":"Clear all selected goals","goalsModalHeadingLabel":"Select goals","goalsModalSubheadingText":null,"goalsModalHeadingFontWeight":"bold","goalsModalCloseButtonAriaLabel":"Close","goalsModalSelectFiltersLabel":"Select all","goalsModalUnselectFiltersLabel":"Unselect all","goalsModalCancelButtonLabel":"Cancel","goalsModalApplyButtonLabel":"Apply","i18nLabelExtraTextAnd":"and","i18nLabelExtraTextMore":"More"}};</script></div> </div> </div> </div> </div> </main> <footer role="contentinfo"> <div class="footer responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="aem-wrap--footer aem-GridColumn aem-GridColumn--default--12"> <div id="target-wrapper-_-disclosures-_-2041206915"> <div class="disclosures not-modal disclosures--gray"> <div class="disclosures__wrapper"> <!-- adding rate disclosures on the top of the disclosure section --> <!--Adding rate disclosure items on the top of the disclosure section --> <div class="disclosures__list"> </div> <!-- Disclosure Order Section --> <div class="disclosures__item disclosures__item--generic text" data-action="text" data-component-context="disclosures"> <p><b>Important Disclosures &amp; Information</b></p> </div> <div class="disclosures__list"> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-317172511" tabindex="-1" aria-label="Footnote 1">1</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="534193616"><p><b>Preferred Rewards Program Eligibility</b>. You can enroll, and maintain your membership, in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers.  The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:</p> <ol> <li>a three-month combined average daily balance in your qualifying deposit and investment accounts, or</li> <li>a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.</li> </ol> <p>Refer to your <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer">Personal Schedule of Fees</a> for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Tier regardless of balance, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill and Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to <a href="https://promo.bankofamerica.com/cebi-disclosures/" target="_blank" rel="noopener noreferrer">CEBI Program</a> for details.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1812387041" tabindex="-1" aria-label="Footnote 2">2</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="1996156190"><p>Your benefits will depend on your Preferred Rewards tier and which products and services you use.  The average benefit value is based on earnings by Preferred Rewards members at all tiers and includes benefits that don’t require enrollment in Preferred Rewards and that may be available without maintaining Preferred Rewards qualifying balances.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-2059982846" tabindex="-1" aria-label="Footnote 3">3</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="1328365907"><p><b>Credit Card Preferred Rewards Bonus.</b> Certain credit cards are eligible to receive a Bank of America Preferred Rewards® bonus. Enrolled Preferred Rewards members with eligible Bank of America® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your Cash Rewards or Points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card's Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. <u><a href="/content/experience-fragments/consumer_marketing/preferred-rewards/card-eligibility-guidelines-modal/master.html" target="modal">View a complete list of ineligible cards.</a></u></p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-492174115" tabindex="-1" aria-label="Footnote 4">4</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="48516623"><p><b>Preferred Rewards Lifestyle Benefit.</b> You must be enrolled in the Diamond or Diamond Honors tier of Preferred Rewards to be eligible for lifestyle benefits or events. The lifestyle benefits are provided by third party vendors not affiliated with Bank of America. Terms and fulfillment of the offers is the responsibility of the third party vendor and not of Bank of America. Bank of America does not provide your customer information to the third party vendor, but by contacting them to take advantage of an offer you will identify yourself as a Bank of America client. Due to limited availability, some offers may be open only to a limited number of Preferred Rewards members and could change without notice.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1250636220" tabindex="-1" aria-label="Footnote 5">5</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="2060855583"><p><b>Preferred Rewards First Mortgage.</b> The origination fee reduction and/or interest rate reductions are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of a mortgage loan application to Bank of America, N.A. for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). The rewards tier is not subject to adjustment after the application is submitted. The origination fee reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) will not exceed the amount of the Lender Origination Fee. In order to receive the full Diamond and Diamond Honors interest rate reduction (0.25% for Diamond tier and 0.375% for Diamond Honors tier) the client must be approved for an eligible loan and enroll in PayPlan, our automatic payment service, designating an eligible Bank of America checking or savings account. To allow us to apply and disclose the interest rate reduction and close the loan timely, we encourage Diamond and Diamond Honors tier clients to enroll in PayPlan as soon as possible and prior to the expected loan closing date. PayPlan is not available on VA and FHA products and Diamond and Diamond Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable rate mortgages (except PrimeFirst®), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst® adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. Some Preferred Rewards benefits cannot be combined with other offers. All mortgage interest rate reduction offers may be subject to a maximum interest rate reduction limit. Preferred Rewards benefits are non-transferable and are not available with Custom Residential Real Estate financing.</p> <p>Visit the Preferred Rewards page on <a href="https://www.bankofamerica.com/" target="_blank" rel="noopener noreferrer" aria-label="Bank of America website">bankofamerica.com</a> for a list of no-fee banking services and see the <a href="https://www.bankofamerica.com/deposits/resources/personal-schedule-fees.go" target="_blank" rel="noopener noreferrer" aria-label="Personal schedule of fees">Personal Schedule of Fees</a> for more information.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1301520741" tabindex="-1" aria-label="Footnote 6">6</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="1550700783"><p>Refer to the <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" target="_blank" rel="noopener noreferrer">Personal Schedule of Fees</a> for information on which fees are waived for Preferred Rewards members and other Program benefits.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-441289594" tabindex="-1" aria-label="Footnote 7">7</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="884512212"><p><b>Preferred Rewards Savings Booster.</b> The Bank of America Advantage Savings interest rate booster is only available to enrolled Preferred Rewards members. Your enrollment in Preferred Rewards will not automatically convert any existing savings account to a Bank of America Advantage Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. Refer to <a href="https://www.bankofamerica.com/deposits/savings/savings-accounts/" target="_blank">bankofamerica.com/savings</a> for current rates.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-2110867367" tabindex="-1" aria-label="Footnote 8">8</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="1604569043"><p><b>Preferred Rewards Home Equity Line of Credit.</b> Home Equity Line of Credit (HELOC) interest rate discounts are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of home equity application (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). Amount of discount (0.125% for Gold tier, 0.250% for Platinum tier, 0.375% for Platinum Honors tier, 0.625% for Diamond tier and 0.750% for Diamond Honors tier) is based on the rewards tier at the submittal of home equity application and is not subject to adjustment after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity benefit can be combined with certain other home equity interest rate discounts.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-368057032" tabindex="-1" aria-label="Footnote 9">9</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="689696298"><p><b>Preferred Rewards Auto Loan.</b> Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Bank of America auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1374753303" tabindex="-1" aria-label="Footnote 10">10</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="1581750352"><p><b>Merrill Guided Investing.</b> Please review the applicable <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" rel="noopener noreferrer">Merrill Guided Investing Program Brochure (PDF)</a> or <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-program-brochure.pdf" target="_blank" rel="noopener noreferrer">Merrill Guided Investing with Advisor Program Brochure (PDF)</a> for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (“MLPF&amp;S”) and Managed Account Advisors LLC (“MAA”) an affiliate of MLPF&amp;S. MLPF&amp;S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.</p> <p>Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program’s annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs’ annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors, Diamond and Diamond Honors tiers based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary, please refer to each fund's prospectus.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1996784089" tabindex="-1" aria-label="Footnote 11">11</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="1186764305"><p><b>Preferred Rewards ATM Fee Waiver.</b> Preferred Rewards Platinum tier members using a Bank of America Debit or ATM card are not charged the non-Bank of America ATM fee for one withdrawal and one transfer per statement cycle from a non-Bank of America ATM in the U.S., and receive a refund of the ATM operator fee for one withdrawal and one transfer per statement cycle from a non-Bank of America ATM in the U.S. Preferred Rewards Platinum Honors, Diamond and Diamond Honors tier members using a Bank of America Debit or ATM card are not charged the non-Bank of America ATM fee for withdrawals and transfers from non-Bank of America ATMs in the U.S. and U.S. territories and receive a refund of the ATM operator fee for withdrawals and transfers from non-Bank of America ATMs in the U.S.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1996784090" tabindex="-1" aria-label="Footnote 12">12</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="720321027"><p><b>Preferred Rewards International Travel Benefit.</b> Preferred Rewards Diamond and Diamond Honors clients using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee. Your deposit account statement will reflect the U.S. dollar equivalent of your international ATM withdrawal. Third-party fees may be assessed by the ATM operator or network at international ATMs. For Preferred Rewards Diamond and Diamond Honors clients, the Foreign Transaction Fee is waived when you use your debit card to purchase goods or services in a foreign currency (a “Foreign Transaction”). Foreign Transactions include internet transactions made in the U.S. but with a merchant who processes the transaction in a foreign currency. Fee also waived if you use your card to obtain foreign currency from an ATM. VISA or MasterCard converts the transaction into a U.S. dollar amount, and the Foreign Transaction fee is applied to that converted U.S. dollar amount.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-1569324048" tabindex="-1" aria-label="Footnote 13">13</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="356553571"><p>This prestigious award is presented by Newsweek and Statista, Inc. The <a href="https://www.newsweek.com/rankings/americas-best-loyalty-programs-2024" target="modal">2024 ranking of America’s Best Loyalty Programs </a>was compiled based on the results of an independent survey of more than 4,000 U.S. customers who are members of loyalty programs of retailers or service providers in the United States. Customers were given the opportunity to evaluate various loyalty programs: in total around 17,900 evaluations were collected. Loyalty programs were defined as all reward programs that provided the customer with a benefit when purchasing or using the products or services of the associated brands.</p> <p>The survey was conducted on retailers and service providers from 41 categories, providing results for a broad spectrum of loyalty programs in traditional retail, online retail, and service segments. The awarded loyalty programs each received an above average overall score. <a href="https://d.newsweek.com/en/file/469281/ablp-2024-methodology.pdf" target="modal">Learn more about methodology</a> at Newsweek. Rankings and recognition from Newsweek are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.  </p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-982832913" tabindex="-1" aria-label="Footnote 14">14</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="2133561501"><p>Bank of America Preferred Rewards was named the <a href="https://www.fool.com/the-ascent/awards/2024/" target="modal">Best Customer Loyalty Program</a> by The Ascent (a Motley Fool service), January 2024. Winners were determined by members of The Ascent’s editorial team, consisting of personal finance experts. Nominees were first chosen using The Ascent’s proprietary ratings models that analyze and score hundreds of financial products available in the market based on their feature sets as well as some market favorites. The Ascent’s panel of experts then voted to identify each winner. <a href="https://www.fool.com/the-ascent/rating-methodology/" target="modal">The Ascent's Rating Methodology (fool.com)</a> Rankings and recognition from The Ascent are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.</p> </div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-193185573" tabindex="-1" aria-label="Footnote 15">15</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="107630581">Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.</div> </div> <div class="disclosures__item"> <a class="disclosures__note" id="disclosure-91147504" tabindex="-1" aria-label="Footnote 16">16</a> <div class="disclosures__text text" data-action="text" data-component-context="disclosures" data-rte-id="625613863"><p>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 program terms of use. Data connection required. Wireless carrier fees may apply.</p> </div> </div> </div> <!-- End Disclosure Order Section --> <!-- Additional Disclosure html --> <div class="disclosures__item disclosures__item--generic text" data-action="text" data-component-context="disclosures"> <p>Merrill Lynch, Pierce, Fenner &amp; Smith Incorporated (“MLPF&amp;S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (BofA Corp). MLPF&amp;S is a registered broker-dealer, registered investment adviser, <a href="http://www.sipc.org/" target="_blank" rel="noopener noreferrer">Member SIPC</a> and a wholly owned subsidiary of BofA Corp.</p> <p>Credit card programs are issued and administered by Bank of America, N.A.</p> <p>Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.</p> <p>Investment products are provided by MLPF&amp;S and:</p> <table width="100%" cellspacing="0" cellpadding="1" border="1"> <tbody><tr><td style="text-align: center;"><b>Are Not FDIC Insured</b></td> <td style="text-align: center;"><b>Are Not Bank Guaranteed</b></td> <td style="text-align: center;"><b>May Lose Value<br/> </b></td> </tr></tbody></table> </div> <!-- End Additional Disclosure html --> </div> </div> </div></div> <div class="aem-wrap--footer aem-GridColumn aem-GridColumn--default--12"> <div class="footer not-modal "> <div class="container section__wrapper footer__wrapper"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="footer-content aem-GridColumn aem-GridColumn--default--12"> <div class="footer_wrapper not-modal" data-action="footer"> <div class="footer__boalogo"> <a id="footer-_-logo" class="t-track-footer_link t-track-link-click" target="_blank" href="https://www.bankofamerica.com" data-bactmln="Footer-_-Click_Content-_-logo" rel="noopener noreferrer"> <img src="/content/dam/consumer-marketing/global/BofA-logo.svg" role="img" alt="Bank of America Logo"/> </a> </div> <div class="footer__copy text" data-action="text" data-component-context="footer"><div class="footer__bottom"> <span class="footer__privacy">|</span> <a class="footer_link" rel="noopener noreferrer" id="Footer_PrivacySecurity" data-bactmln="Footer-_-Click_Content-_-privacysecurity" href="https://www.bankofamerica.com/security-center/privacy-overview/" target="_blank" aria-label="Privacy opens in a new browser tab or window">Privacy</a> | <a id="Footer_Security" rel="noopener noreferrer" href="https://www.bankofamerica.com/security-center/overview/" target="_blank" aria-label="Security opens in a new browser tab or window">Security</a> | <a id="Footer_AdPractices" rel="noopener noreferrer" href="#" aria-label="Advertising Practices opens in a modal dialog" class="show__modal footer_link" data-bactmln="Footer-_-Click_Content-_-adpractices" target="modal" data-modal-target="advertising">Advertising Practices</a> | <a class="footer_link" rel="noopener noreferrer" data-bactmln="Footer-_-Click_Content-_-childrensprivacy" href="https://www.bankofamerica.com/online-banking/childrens-privacy-policy/" target="_blank" aria-label="Children's Privacy opens in a new browser tab or window">Children's Privacy</a> | <a id="launchOtPc" rel="noopener noreferrer" class="ot-sdk-show-settings t-track-body-copy-link" href="#" data-bactmln="Footer-_-Click_Content-_-CA-Opt-Out-Preferences" aria-label="Your Privacy Choices opens in a modal dialog" data-aaclickevent="true">Your Privacy Choices</a><span class="uc-icon-optout-policy"></span> | <a href="#" id="cobrowse" class="browse-with-specialist link-bind--livelook spa-prevent-default-click" aria-label="Browse with Specialist link, will open in a modal">Browse with Specialist</a><br/> Bank of America, N.A. 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