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Preferred Rewards for Business - Bank of America
<!DOCTYPE HTML> <html lang="en-US"> <head> <meta charset="UTF-8"/> <meta http-equiv="content-language" content="en-US"/> <title>Preferred Rewards for Business - Bank of America</title> <meta name="title" content="Preferred Rewards for Business - Bank of America"/> <meta name="description" content="With Preferred Rewards for Business you'll get exclusive rewards and benefits at no fee with an eligible Bank of America business checking account."/> <meta name="keywords" content="bank of america preferred rewards for business,preferred rewards for business,preferred rewards for business bank of america,wfid24788654"/> <meta name="brand" content="Bank of America"/> <meta name="template" content="business-ecosystem"/> <meta name="viewport" content="width=device-width, initial-scale=1"/> <meta name="format-detection" content="telephone=no"/> <meta name="analytics" content="" data-props-cm-page-name="PRB__preferred-rewards-business" data-props-cm-category="SMBUS:Content:business" data-props-dart-cat="hub_l0" data-props-dart-type="sdlpb511" data-props-dart-disabled="false" data-props-ga-dev="G-MG4PMPFGWY" data-props-ga-stg="G-MG4PMPFGWY" data-props-ga-prod="G-MG4PMPFGWY" data-props-enable-alloy="enable" data-analytics-class-find-and-add="[]"/> <meta name="color-scheme" content="only light"/> <link rel="canonical" href="https://business.bankofamerica.com/preferred-rewards-business.html"/> <meta name="robots" content="index,follow"/> <meta name="msvalidate.01" content="DCFA7922C7EDFBFFCAEE5E3C7ECA5C8C"/> <meta property="og:title" content="Preferred Rewards for Business - Bank of America"/> <meta property="og:description" content="With Preferred Rewards for Business you'll get exclusive rewards and benefits at no fee with an eligible Bank of America business checking account."/> <meta property="og:url" content="https://business.bankofamerica.com/preferred-rewards-business.html"/> <meta property="og:image" content="https://www.bankofamerica.com/content/images/ContextualSiteGraphics/Logos/en_US/logos/colored_flagscape-v2.png"/> <meta property="og:image:alt" content="Preferred Rewards for Business - Bank of America"/> <meta property="og:type" content="website"/> <meta property="og:site_name" content="Bank of America"/> <meta name="twitter:site" content="@BankofAmerica"/> <meta name="twitter:url" content="https://business.bankofamerica.com/preferred-rewards-business.html"/> <meta name="twitter:title" content="Preferred Rewards for Business - Bank of America"/> <meta name="twitter:description" content="With Preferred Rewards for Business you'll get exclusive rewards and benefits at no fee with an eligible Bank of America business checking account."/> <meta name="twitter:image" content="https://www.bankofamerica.com/content/images/ContextualSiteGraphics/Logos/en_US/logos/colored_flagscape-v2.png"/> <meta name="twitter:image:alt" content="Preferred Rewards for Business - Bank of America"/> <meta name="twitter:card" content="summary"/> <meta name="version" content="2.7.1-Prod"/> <meta name="path" content="/content/business-ecosystem/preferred-rewards-business"/> <meta name="lob"/> <meta name="page_ID" content="preferred-rewards"/> <meta name="last_modified_date" content="2024-11-21T17:29:24.387-05:00"/> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","name":"Preferred Rewards for Business - Bank of America","url":"https://business.bankofamerica.com/preferred-rewards-business.html","description":"With Preferred Rewards for Business you'll get exclusive rewards and benefits at no fee with an eligible Bank of America business checking account.","image":"https://www.bankofamerica.com/content/images/ContextualSiteGraphics/Logos/en_US/logos/colored_flagscape-v2.png","keywords":"bank of america preferred rewards for business,preferred rewards for business,preferred rewards for business bank of america,wfid24788654","mainEntity":[{"@context":"https://schema.org","@type":"Question","name":"What is Preferred Rewards for Business?", "acceptedAnswer":{"@type":"Answer","text":"<p>Preferred Rewards for Business rewards you for the business you do with a wide range of benefits across your business banking relationship. There are no fees to join or participate. And as your qualifying balances grow, so do your benefits.</p><p>There are three tiers in the program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America business deposit and/or Merrill business investment accounts.</p><p>Once you're a member, you'll move to a higher tier after any month your account balances qualify you for the next level of rewards. Don't worry if your balances dip temporarily: Your balances are reviewed annually to determine whether you'll move to a lower tier.</p><p>Refer to the Preferred Rewards for Business section of the <a href='https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/'>Business Schedule of Fees</a> to see which accounts qualify.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How do I qualify?", "acceptedAnswer":{"@type":"Answer","text":"<p>Preferred Rewards for Business is available to Bank of America Small Business, Merrill Small Business and Private Bank Small Business clients.</p><p>All you'll need to become a Preferred Rewards for Business member is:</p><ul><li>An active, eligible Bank of America business checking account</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</li></ul><p>Once you've met these requirements, you must then <a href='https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&'>take action to enroll</a>.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"Do I have to enroll to become a Preferred Rewards for Business member?", "acceptedAnswer":{"@type":"Answer","text":"<p>Yes, enrollment is simple through Online Banking. There are no fees to join or participate in Preferred Rewards for Business. And once you're enrolled, you'll automatically receive tier upgrades as your balances qualify you for the next level of rewards. <a href='https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&'>Log in to Online Banking to find out if you're eligible to enroll.</a></p>"}},{"@context":"https://schema.org","@type":"Question","name":"Do I need to open new business accounts to take advantage of the benefits?", "acceptedAnswer":{"@type":"Answer","text":"<p>It depends on what types of accounts you have. After you enroll, some benefits may require you to change your account type or open a new account in order to receive all the benefits.</p><p>Here are a few examples:</p><ul><li>If you already have a Business Advantage Savings account, you'll automatically receive the interest rate booster.</li><li>If you already have an eligible Business Advantage credit card, you'll automatically receive the rewards bonus.</li></ul><p>If you'd like to convert an existing savings account or open a new account that's eligible for the rewards bonus, please call 888.BUSINESS.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How do I maintain my program status once I become a member?", "acceptedAnswer":{"@type":"Answer","text":"<p>All you have to do is maintain your qualifying balance. Your qualifying balance is your combined average daily business balance in your Bank of America business deposit and/or Merrill business investment accounts over three full calendar months.</p><p>The minimum qualifying balance requirements are $20,000 for the Gold tier, $50,000 for the Platinum tier and $100,000 for the Platinum Honors tier.</p><p>Once you're a member, you'll keep your benefits for as long as you continue to qualify for the program.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"What happens if my program balance drops after I enroll and I go into grace status?", "acceptedAnswer":{"@type":"Answer","text":"<p>No need to worry if your balances dip temporarily; you'll keep your Preferred Rewards for Business program status for a full year. If you no longer meet the eligible business checking account and/or balance requirements, you'll have a three-month grace period to restore your eligibility.</p><p>When the grace period ends, if you still haven't met the balance requirement, you'll be moved to a lower benefit tier. If your qualifying balance falls below $20,000, you'll lose your benefits entirely. We'll monitor your qualifying balance over the next 24 months and resume your benefits if you meet the balance requirement during that time.When the grace period ends, if you still haven't met the balance requirement, you'll be moved to a lower benefit tier. If your qualifying balance falls below $20,000, you'll lose your benefits entirely. We'll monitor your qualifying balance over the next 24 months and resume your benefits if you meet the balance requirement during that time.</p><p>Refer to the Preferred Rewards for Business section of the <a href='https://www.bankofamerica.com/smallbusiness/resources/business-schedule-fees.go'>Business Schedule of Fees</a> for qualifying accounts.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"Are there any fees associated with the Preferred Rewards for Business program?", "acceptedAnswer":{"@type":"Answer","text":"No. There are no fees to join or participate. And once you're a member, as your business balances qualify you for the next level of rewards, we'll move you up a tier."}},{"@context":"https://schema.org","@type":"Question","name":"What value of benefits could I potentially earn?", "acceptedAnswer":{"@type":"Answer","text":"<p>The value of your benefits will be determined by all the ways you can use them. On average, members increased their overall benefits to $400 to $485 a year with Preferred Rewards for Business. For example, you could potentially benefit from interest rate discounts, credit card rewards bonuses and no-fee ATM transactions. To find out more, check out our <a href='https://promotions.bankofamerica.com/preferredrewards/en#calculator'>Preferred Rewards for Business calculator</a>.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"When will my Preferred Rewards for Business benefits become active?", "acceptedAnswer":{"@type":"Answer","text":"Typically, Preferred Rewards for Business benefits become active within 30 days of enrolling in the program. 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 for Business, 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 actions to enjoy the complete benefits."}},{"@context":"https://schema.org","@type":"Question","name":"Can I enroll in Preferred Rewards for Business now, even though I need to open a Bank of America business checking account and maintain the qualifying balance?", "acceptedAnswer":{"@type":"Answer","text":"<p>As a Preferred Rewards for Business member, you can earn valuable benefits and rewards on many Bank of America small business products and services such as no fees on select banking services, 25% - 75% bonus rewards on eligible business credit cards and more. Early Enrollment in the program is available if this is your first Bank of America business checking account and you deposit $20,000 or more within 30 days of opening your account.</p><p>If you don't qualify for Early Enrollment, you can still enroll in Preferred Rewards for Business once you have a three-month combined average daily balance of $20,000 or more in your Bank of America business deposit and/or Merrill business investment accounts.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How can Preferred Rewards help me earn more rewards on my Bank of America credit cards?", "acceptedAnswer":{"@type":"Answer","text":"Once you're a Preferred Rewards for Business member, you'll earn 25% - 75% more rewards on every purchase made with eligible Bank of America credit cards. Your reward bonus is based on your enrolled tier: Gold 25%, Platinum 50% or Platinum Honors 75%. For example, a purchase that typically earns $1 in cash rewards will earn $1.25 to $1.75, depending on your Preferred Rewards for Business 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."}},{"@context":"https://schema.org","@type":"Question","name":"How can I move to a higher Preferred Rewards for Business tier ?", "acceptedAnswer":{"@type":"Answer","text":"<p>After you enroll, you can move to a higher Preferred Rewards for Business tier — and enjoy more benefits and rewards — by increasing your qualifying Bank of America deposit and/or Merrill investment balances. Each month, we'll review your qualifying balances and you'll automatically move to a higher tier when those balances qualify you for the next level of rewards.</p><p>Here's an example:</p><p>You've been a Preferred Rewards for Business 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 $55,000 in month seven and $95,000 $70,000 in month eight, you'd qualify for the Platinum tier because your three-month average daily balance would be $51,667.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How can I receive extra discounts when applying for an auto loan as a Preferred Rewards for Business member?", "acceptedAnswer":{"@type":"Answer","text":"Once you're a Preferred Rewards for Business member, you can get a Business Advantage auto loan interest rate discount up to 0.50%. You must be enrolled at the time of your application and your interest rate discount is based on your tier level – Gold 0.25%, Platinum 0.35% or Platinum Honors 0.50%. That means if you're a Platinum Honors tier member and qualify for a new Business Advantage auto loan with a 4.00% interest rate, a 0.50% interest rate discount would lower your interest rate to 3.50%."}},{"@context":"https://schema.org","@type":"Question","name":"I am enrolled in Preferred Rewards on my personal accounts. What is the difference between Preferred Rewards and Preferred Rewards for Business?", "acceptedAnswer":{"@type":"Answer","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. 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,</li></ul><p>you can enroll in the Preferred Rewards for Business program and begin enjoying all the program's features and benefits.</p>"}}]} </script> <style type="text/css"> @charset "utf-8";.fade{-webkit-transition:opacity .15s linear;transition:opacity .15s linear}@media(prefers-reduced-motion:reduce){.fade{-webkit-transition:none;transition:none}}.fade:not(.show){opacity:0}.collapse:not(.show){display:none}.collapsing{height:0;overflow:hidden;position:relative;-webkit-transition:height .35s ease;transition:height .35s 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class="sr-only" tabindex="0">video</div> <button class="video__button video__button--pause js-masthead-video-control-pause icon icon--pause t-track-masthead-video-button" data-bactmln="Masthead-_-Video-_-Pause" data-ada-play="the video is playing, press the space bar to pause the video" data-ada-play-xs="the video is playing, make double tap to pause the video"> </button> <button class="video__button video__button--play js-masthead-video-control-play icon icon--play t-track-masthead-video-button" data-bactmln="Masthead-_-Video-_-Play" data-ada-pause="the video is paused, press the space bar to play the video" data-ada-pause-xs="the video is paused, make double tap to play the video" aria-hidden="true"> </button> <video id="masthead-video" class="js-masthead-video" autoplay playsinline loop muted data-object-fit> <source src="/content/dam/business-ecosystem/preferred-rewards/240274_BOAMasthead_1440x480_v1%20(1).mp4"/> <img loading="lazy" src="/content/dam/business-ecosystem/preferred-rewards/240274_BOAMasthead_1440x480_v1%20(1).mp4" class="video__fallback js-masthead-fallback-image" alt="Prefered Rewards"/> </video> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--layout-container"> <div id="layout_88640" class="layout-container "> <div class="layout-container__content container container-full-bleed--mobile layout-container__col-layout--fullwidth" style="max-width:1200px;"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--positioning-container"> <div id="positioning_container_59126" class="positioning-container positioning-container--white positioning-container--dropshadow positioning-container--masthead-notch "> <div class="col-md-12 positioning-container__col"> <div class="positioning-container__wrapper"> <div class="aem-wrap--image"> <div id="image_73455" class="image image--single " data-action="image-component"> <div class="image__wrapper text image--center" data-action="text-component"> <div class="image__content"> <picture class="image__picture"> <source srcset="/content/dam/business-ecosystem/preferred-rewards/PRB-Logo.svg" media="(min-width: 75.0625rem)"/> <source srcset="/content/dam/business-ecosystem/preferred-rewards/PRB-Logo.svg" media="(min-width: 48.0625rem)"/> <img class="image__img " src="/content/dam/business-ecosystem/preferred-rewards/PRB-Logo.svg" alt="Preferred Rewards logo" aria-hidden="false"/> </picture> </div> </div> </div> </div> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h1 class="header__headline header--default header--blue"> Earn rewards for the business you do </h1> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">Experience our award winning program<sup><a title="footnote 1" href="#footnote1" data-aria-label="footnote 1" id="prb1" data-bactmln="Text_Link-_-Hyperlink-_-1_https://business.bankofamerica.com/preferred-rewards-business.html" class="t-track-text-link">1</a> </sup>with Preferred Rewards for Business. Get exclusive rewards and benefits at no fee with an eligible Bank of America business checking account.</p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--medium"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_79279" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--6-6" style="max-width:420px;"> <div class="row"> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--cta"> <div class="cta-container cta--center"> <a class="cta cta--secondary cta--red t-track-cta-link" target="_self" href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&" aria-label="Log in to enroll to preferred rewards" data-bactmln="StandaloneCTA-_-CTA-_-button1-log-in-to-enroll_https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&"> Log in to enroll</a> </div> </div> </div> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--cta"> <div class="cta-container cta--center"> <a class="cta cta--caret cta--caret-inline cta--royal-blue t-track-cta-link" target="_self" href="https://www.bankofamerica.com/smallbusiness/deposits/checking-accounts/" data-bactmln="StandaloneCTA-_-CTA-_-open-an-account_https://www.bankofamerica.com/smallbusiness/deposits/checking-accounts/"> Open an account</a> </div> </div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--medium"></div> </div></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_66959" class="layout-container "> <div class="layout-container__content container--mobile layout-container__col-layout--fullwidth"> <span id="tiers" aria-hidden="true"></span> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--tiers-component"> <div class="tiers" id="tiersId" data-action="tiers-component"> <div class="tiers__head"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--default "> Explore the tiers </h2> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><span class="header--h3">Earn rewards and exclusive benefits inspired by your business needs. It's all about making your Bank of America business deposit accounts and Merrill business investment accounts work for you.</span></p> </div> </div></div> <div class="tiers__tier-list"> <div class="tiers__tier-component"> <button type="button" id="tier__gold" class="tier__card t-track-prb-tier active" data-bactmln="PRB-explore-tiers-_-Click-_-gold" data-tier-id="gold" data-xf="/content/experience-fragments/business-ecosystem/preferred-rewards/gold/master" aria-label="Gold $20K to < $50K 3-month combined average daily balance selected" aria-selected="true"> <div class="tier__wrapper"> <div class="tier__content"> <div class="tier__title">Gold</div> <div class="tier__subtitle font-connections-medium">$20K to < $50K</div> <div class="tier__desc"><p>3-month combined average daily balance</p> </div> </div> </div> <img class="tier__image" src="/content/dam/business-ecosystem/preferred-rewards/gold.png" alt="Gold Badge" role="presentation" aria-hidden="true"/> </button> </div> <div class="tiers__tier-component"> <button type="button" id="tier__platinum" class="tier__card t-track-prb-tier " data-bactmln="PRB-explore-tiers-_-Click-_-platinum" data-tier-id="platinum" data-xf="/content/experience-fragments/business-ecosystem/preferred-rewards/platinum/master" aria-label="Platinum $50K to < $100K 3-month combined average daily balance unselected" aria-selected="false"> <div class="tier__wrapper"> <div class="tier__content"> <div class="tier__title">Platinum</div> <div class="tier__subtitle font-connections-medium">$50K to < $100K</div> <div class="tier__desc"><p>3-month combined average daily balance</p> </div> </div> </div> <img class="tier__image" src="/content/dam/business-ecosystem/preferred-rewards/platinum.png" alt="platinum badge" role="presentation" aria-hidden="true"/> </button> </div> <div class="tiers__tier-component"> <button type="button" id="tier__platinum-honor" class="tier__card t-track-prb-tier " data-bactmln="PRB-explore-tiers-_-Click-_-platinum-honor" data-tier-id="platinum-honor" data-xf="/content/experience-fragments/business-ecosystem/preferred-rewards/platinum-honor/master" aria-label="Platinum Honors $100K + 3-month combined average daily balance unselected" aria-selected="false"> <div class="tier__wrapper"> <div class="tier__content"> <div class="tier__title">Platinum Honors</div> <div class="tier__subtitle font-connections-medium">$100K +</div> <div class="tier__desc"><p>3-month combined average daily balance</p> </div> </div> </div> <img class="tier__image" src="/content/dam/business-ecosystem/preferred-rewards/platinum-honors.png" alt="platinum honor badge" role="presentation" aria-hidden="true"/> </button> </div> </div> <div class="tiers__body"> <div class="tier-filter"> <div class="tier-filter__header"> <div class="header text " data-action="text-component"> <h3 class="header__headline header--default "> Check out all the #tier# Tier benefits </h3> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><span class="header--h4">Use the tool below to filter benefits.</span></p> </div> </div></div> <div class="tier-filter__wrapper-button" data-aria-selected="Selected"> <button class="round-button tier-filter_button t-track-prb-tier-benefit" data-bactmln="PRB-benefits-_-Click-_-simplify-banking" data-name="simplify-banking" aria-pressed="false" aria-selected="false" aria-label="Simplify banking unselected">Simplify banking</button> <button class="round-button tier-filter_button t-track-prb-tier-benefit" data-bactmln="PRB-benefits-_-Click-_-optimize-cash-flow" data-name="optimize-cash-flow" aria-pressed="false" aria-selected="false" aria-label="Optimize cash flow unselected">Optimize cash flow</button> <button class="round-button tier-filter_button t-track-prb-tier-benefit" data-bactmln="PRB-benefits-_-Click-_-strengthen-operations" data-name="strengthen-operations" aria-pressed="false" aria-selected="false" aria-label="Strengthen operations unselected">Strengthen operations</button> <button class="round-button tier-filter_button t-track-prb-tier-benefit" data-bactmln="PRB-benefits-_-Click-_-gain-access-capital" data-name="gain-access-capital" aria-pressed="false" aria-selected="false" aria-label="Gain access to capital unselected">Gain access to capital</button> <button class="round-button tier-filter_button t-track-prb-tier-benefit" data-bactmln="PRB-benefits-_-Click-_-plan-future" data-name="plan-future" aria-pressed="false" aria-selected="false" aria-label="Plan for the future unselected">Plan for the future</button> </div> <div class="tier-filter__clear"> <a href="#" data-bactmln="PRB-benefit-sclear-filter-_-Click-_-clear-link" class="tier-filter__clear-link t-track-prb-tier-filter-clear hide"> <span class="uc-icon-action-close"></span> Clear all selected goals </a> </div> </div> <div class="tiers__tier-item-result-list"> <div id="tier-results" class="experience-fragment experience-fragment--gold"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="simplify-banking"> <div class="tier-item-result__title t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-select-banking-services_"> Select Banking Services </div> <div class="tier-item-result__subtitle"> No Fees </div> <div class="tier-item-result__description"> <p>Save money on waived monthly maintenance fees, inbound wire transfers and more.<sup><a href="#footnote2" data-aria-label="footnote 2" title="footnote 2" id="prb2" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-2_https://business.bankofamerica.com/preferred-rewards-business.html">2</a></sup></p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="plan-future,optimize-cash-flow,gain-access-capital"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/credit-cards/#filter" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-business-advantage-credit-card_https://www.bankofamerica.com/smallbusiness/credit-cards/#filter" rel="noopener noreferrer"> <p>Business Advantage Credit Card</p> </a> <div class="tier-item-result__subtitle"> <p>25%<br /> Bonus Rewards<sup><a title="footnote 3" href="#footnote3" data-aria-label="footnote 3" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-3_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb3">3</a></sup><br /> </p> </div> <div class="tier-item-result__description"> <p>Every purchase is more rewarding with an eligible Business Advantage credit card.</p> <p><a data-uc-modal-action="open" data-uc-modal-id="gold1" href="#" class="t-track-prb-modal" data-bactmln="PRB-modal-open-_-Click-_-View-a-complete-list-of-ineligible-credit-cards">View a complete list of ineligible credit cards.</a></p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="optimize-cash-flow"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/deposits/savings-accounts/business-advantage-savings/" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-business-advantage-savings_https://www.bankofamerica.com/smallbusiness/deposits/savings-accounts/business-advantage-savings/" rel="noopener noreferrer"> <p>Business Advantage Savings</p> </a> <div class="tier-item-result__subtitle"> <p>5%<br /> Interest Rate Booster<sup><a title="footnote 4" href="#footnote4" data-aria-label="footnote 4" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-4_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb4">4</a></sup><br /> </p> </div> <div class="tier-item-result__description"> <p>Boost your savings on Business Advantage Savings accounts.</p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="strengthen-operations,gain-access-capital,plan-future"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/business-financing" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-business-advantage-financing_https://www.bankofamerica.com/smallbusiness/business-financing" rel="noopener noreferrer"> <p>Business Advantage Financing</p> </a> <div class="tier-item-result__subtitle"> <p>0.25%<br /> Interest Rate Discount<sup><a title="footnote 6" href="#footnote6" data-aria-label="footnote 6" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-6_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb6">6</a></sup><br /> </p> </div> <div class="tier-item-result__description"> <p>Pay less on new Business Advantage credit lines, term loans and secured lending. </p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="optimize-cash-flow,strengthen-operations"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/merchant-services/" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-merchant-services_https://www.bankofamerica.com/smallbusiness/merchant-services/" rel="noopener noreferrer"> <p>Merchant Services</p> </a> <div class="tier-item-result__subtitle"> <p>0.05%<br /> Processing Rate Discount<sup><a title="footnote 7" href="#footnote7" data-aria-label="footnote 7" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-7_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb7">7</a></sup></p> </div> <div class="tier-item-result__description"> <p>(Simplified Pricing Plan)</p> <p>Lower your cost to take card payments.</p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="optimize-cash-flow,strengthen-operations"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/online-banking/payroll/" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-payroll-service_https://www.bankofamerica.com/smallbusiness/online-banking/payroll/" rel="noopener noreferrer"> <p id="returnfootnote8">Payroll Service</p> </a> <div class="tier-item-result__subtitle"> <p>$10<br /> Cash Back<sup><a title="footnote 8" href="#footnote8" data-aria-label="footnote 8" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-8_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb8">8</a></sup></p> </div> <div class="tier-item-result__description"> <p>Save money on eligible payroll service fees</p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="gain-access-capital"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/business-financing/auto-loans/" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-business-advantage-auto-loans_https://www.bankofamerica.com/smallbusiness/business-financing/auto-loans/" rel="noopener noreferrer"> <p>Business Advantage Auto Loans</p> </a> <div class="tier-item-result__subtitle"> <p>0.25%<br /> Interest Rate Discount<sup><a title="footnote 9" href="#footnote9" data-aria-label="footnote 9" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-9_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb9">9</a></sup><br /> </p> </div> <div class="tier-item-result__description"> <p>Pay less on new Business Advantage Auto loans.</p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="strengthen-operations,gain-access-capital,plan-future"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/business-financing/commercial-real-estate-loans/" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-commercial-real-estate-loans_https://www.bankofamerica.com/smallbusiness/business-financing/commercial-real-estate-loans/" rel="noopener noreferrer"> <p>Commercial Real Estate Loans</p> </a> <div class="tier-item-result__subtitle"> <p>0.25%<br /> Interest Rate Discount<sup><a title="footnote 10" href="#footnote10" data-aria-label="footnote 10" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-10_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb10">10</a></sup><br /> </p> </div> <div class="tier-item-result__description"> <p>Pay less on new Commercial Real Estate loans.</p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold"> <a class="tier-item-result__title t-track-text-link" href="https://www.bankofamerica.com/smallbusiness/business-financing/practice-solutions/" target="_blank" data-bactmln="Text_Link-_-Hyperlink-_-practice-solutions-lending_https://www.bankofamerica.com/smallbusiness/business-financing/practice-solutions/" rel="noopener noreferrer"> <p>Practice Solutions Lending</p> </a> <div class="tier-item-result__subtitle"> <p>0.25%<br /> Interest Rate Discount<sup><a title="footnote 11" href="#footnote11" data-aria-label="footnote 11" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-11_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb11">11</a></sup><br /> </p> </div> <div class="tier-item-result__description"> <p>Pay less on new Practice Solutions loans.</p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="simplify-banking,strengthen-operations,plan-future"> <div class="tier-item-result__title t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-professional-advice_"> <p>Professional Advice</p> </div> <div class="tier-item-result__subtitle"> <p>Yes</p> </div> <div class="tier-item-result__description"> <p>Complimentary financial analysis with a Merrill® Financial Solutions Advisor<sup><a title="footnote 12" href="#footnote12" data-aria-label="footnote 12" class="t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-12_https://business.bankofamerica.com/preferred-rewards-business.html" id="prb12">12</a></sup></p> </div> </div> </div> <div class="tiers__tier-item-result active aem-GridColumn aem-GridColumn--default--12"> <div class="tier-item-result__wrapper tier-item-result__gold" data-tags="simplify-banking"> <div class="tier-item-result__title t-track-text-link" data-bactmln="Text_Link-_-Hyperlink-_-deposits_"> <p>Deposits</p> </div> <div class="tier-item-result__subtitle"> <p>No Monthly Maintenance Fees</p> </div> <div class="tier-item-result__description"> <p>On up to 4 eligible business checking and 4 business savings accounts</p> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--modal"> <uc-modal version="v1_3.10.1-flagship" class="uc-component " id="gold1" role="dialog" aria-hidden="true" aria-modal="true" tabindex="-1" theme="black" variant="small"> <div class="uc-modal"> <div class="uc-modal__content"> <button class="uc-modal__close" data-uc-modal-action="close" aria-label="Close button, press enter to close modal"> <uc-icon role="img" class="uc uc-icon uc-icon-action-close uc-icon--black"></uc-icon> </button> <div class="uc-modal__header"> </div> <div class="uc-modal__body"> <div class="uc-layout__grid-cell "> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><b>Cards <u>not</u> eligible for <br /> the Rewards Bonus:</b></p> <p> </p> <ul class="tier-item-result__description"> <li>Non-rewards credit cards (Bank of America Platinum and Platinum Plus for Business cards) </li> <li>Personal or consumer-purpose credit cards</li> <li>Business Advantage Cash Rewards 123 with 50% bonus</li> <li>Business Advantage Travel Rewards with 50% bonus</li> <li>Merrill branded Merrill Rewards for Business Card</li> <li>Alaska Airlines®</li> </ul> <p> </p> <p class="tier-item-result__description">Business Banking, Global Commercial Banking, Global Corporate Investment Banking or Institutional clients are not eligible to participate in the program. This list is subject to change without prior notice. </p> </div></div> </div> </div> <div class="uc-modal__buttons uc-modal__buttons--left"> </div> </div> </div> <div class="uc-modal__overlay"></div> </uc-modal></div> </div> </div> </div> </div> </div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed "> <div class="background-container__content container-fluid background-container--flagscape--gray"> <div class="aem-wrap--layout-container"> <div id="layout_19672" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--fullwidth"> <span id="calculator" aria-hidden="true"></span> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--prb-slider"> <div class="prb-slider__container" data-current-tier-id="" data-tier-ids="gold,platinum,platinum-honors"> <div class="focusable" tabindex="-1"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--default header--blue"> Calculate your potential benefits as a Preferred Rewards for Business member </h2> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Drag or enter to estimate how you can maximize your rewards and benefits based on your accounts.</p> </div> </div> </div> <div class="prb-slider__note" data-action="text-component"> <p><span class="rte-broken-link-wrapper">Estimate your combined balances across your <a data-uc-modal-action="open" data-uc-modal-id="dep1" href="#" class="t-track-prb-modal" data-bactmln="modal-open-_-Click-_-qualifying-deposit-and-investment-accounts">qualifying deposit and investment accounts</a>.</span></p> </div> <div class="prb-slider" data-props-number-of-decimals="0" data-props-minimum-value="20000" data-props-slider-tier-data="[{"tier":"gold","sliderEndValue":49999,"sliderStartValueLabel":"$20K","benefitXFPath":"/content/experience-fragments/business-ecosystem/preferred-rewards-calculator/calculator-result---gold/master"},{"tier":"platinum","sliderEndValue":99999,"sliderStartValueLabel":"$50K","benefitXFPath":"/content/experience-fragments/business-ecosystem/preferred-rewards-calculator/calculator-result---platinum/master"},{"tier":"platinum-honors","sliderEndValue":1000000,"sliderStartValueLabel":"$100K","benefitXFPath":"/content/experience-fragments/business-ecosystem/preferred-rewards-calculator/calculator-result---honors/master"}]" data-props-slider-field-label="My three-month average in deposit and investment accounts balance is:" data-props-slider-field-aria-label="The amount entered here would be used to calculate the category." data-props-estimate-monthly-purchases="<p>Estimate your monthly credit card purchases.</p> " data-props-average-monthly-spend-label="My average monthly credit card spending is:" data-props-average-monthly-spend-aria-label="The amount entered here is optional. If not set a default value will be used for additional calculations provided in the result screen." data-props-note="<p><span class="header--h5"><span class="footnote">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. Your average monthly credit card spend is optional.</span></span></p> " data-props-button-label="Calculate Rewards" data-action="prb-slider"> </div> </div> <div id="gold"> <div class="tier-benefits"> <div class="prb-benefits__container hidden"> <div class="focusable dynamic-subheading" tabindex="-1"> <img class="prb-benefits__tier-image" src="/content/dam/business-ecosystem/preferred-rewards/gold.png" role="presentation"/> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--h3 "> Your potential Preferred Rewards for Business tier is Gold. </h2> </div> <div class="dynamic-subheading__copy" data-action="text-component"> <p style="text-align: center;"><span class="header--h4">Based on your responses of potential qualifying account balances of <span class="slider-value">#slider amount here#</span> and credit card spending of <span class="input-value">#optional input amount here#</span></span></p> </div> </div> <div class="prb-benefits__button-wrapper"> <div class="cta-container cta--center"> <a class="cta cta--icon-link cta--royal-blue prb-benefits-view-next t-track-cta-link" target="_self" href="#view" data-bactmln="StandaloneCTA-_-CTA-_-view-platinum-tier_#view"> <span class="cta__icon "></span>View platinum tier</a> </div> <div class="cta-container cta--center"> <a class="cta cta--icon-link cta--royal-blue prb-benefits-go-back hidden t-track-cta-link" target="_self" href="#goback" data-bactmln="StandaloneCTA-_-CTA-_-go-back-to-my-results_#goback"> <span class="cta__icon icon-action-back"></span>Go back to my results</a> </div> </div> <div class="prb-benefits"> <div class="prb-results" data-props-tier-id="gold" data-props-default-spending-amount="1000" data-props-amount-copy="Typical value of potential benefits for the year:" data-props-accordion-data="[{"benefitLabel":"Fee waivers on select banking services ","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on two checking accounts and average savings on monthly maintenance fees, ATM/debit card rush replacement, stop payments, incoming domestic wires, and more. Actual savings will vary based on services used.\u003c/p\u003e\r\n","benefitFormula":"24.92*12"},{"benefitLabel":"Bonus rewards on eligible business credit cards","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on the typical rewards earned on #input# monthly purchases made with a Bank of America Business Advantage rewards credit card and an additional 25% Preferred Rewards for Business Gold tier bonus on the total net earn on every purchase you make.\u003c/p\u003e\r\n","benefitFormula":"(input*.0119*.25)*12"},{"benefitLabel":"Interest rate discounts on new Business Advantage Credit Lines, Term Loans and Secured Lending ","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eAs an example, based on a 5 year Business Advantage Term Loan or Secured Term Loan of $50,000 at 8% with a 0.25% Preferred Rewards for Business Gold tier discount.\u003c/p\u003e\r\n","benefitFormula":"5.97*12"},{"benefitLabel":"Interest rate discount on new Business Advantage Auto Loans","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on a 5 year term loan of $44,000 at 3.5% with a 0.25% Preferred Rewards for Business Gold tier rate discount.\u003c/p\u003e\r\n","benefitFormula":"4.92*12"},{"benefitLabel":"Interest rate discount on new Commercial Real Estate Loans","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on a 15 year fixed term loan of $600,000 at 6% with a 0.25% Preferred Rewards for Business Gold tier discount.\u003c/p\u003e\r\n","benefitFormula":"80.68*12"},{"benefitLabel":"Cash back on eligible payroll service fees","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on $10 cash back on your eligible monthly payroll service fee.\u003c/p\u003e\r\n","benefitFormula":"10.00*12"}]" data-props-disclaimer-copy="<p>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</p> " data-props-enable-expand-collapse data-props-expand-all-copy="Expand all" data-props-collapse-all-copy="Collapse all" data-props-bactmln="PRB-accordion-_-Action-_-" data-props-tag-class="t-track-expand-collapse" data-props-number-of-decimals="0" data-action="prb-results"></div> <div class="prb-benefits__button-wrapper"> <div class="cta-container cta--center"> <a class="cta cta--primary cta--red prb-benefits-recalculate t-track-cta-link" target="_self" href="#recalculate" data-bactmln="StandaloneCTA-_-CTA-_-recalculate-rewards_#recalculate"> Recalculate Rewards</a> </div> <div class="cta-container cta--center"> <a class="cta cta--secondary cta--red t-track-cta-link" target="_blank" rel="noopener noreferrer" href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&" aria-label="Your potential Preferred Rewards Gold Log in to enroll" data-bactmln="StandaloneCTA-_-CTA-_-button2-log-in-to-enroll_https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&"> Log in to enroll</a> </div> </div> </div> </div></div> </div> <div id="platinum"> <div class="tier-benefits"> <div class="prb-benefits__container hidden"> <div class="focusable dynamic-subheading" tabindex="-1"> <img class="prb-benefits__tier-image" src="/content/dam/business-ecosystem/preferred-rewards/platinum.png" role="presentation"/> <div class="header text header--center" data-action="text-component"> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2 class="header--h3">Preferred Rewards for Business Platinum tier benefits are based on a potential qualifying account balances of $50,000 to $100,000.</h2> </div> </div> <div class="dynamic-subheading__copy" data-action="text-component"> <h2 class="header--h3" style="text-align: center;">Your potential Preferred Rewards for Business tier is Platinum.</h2> <p style="text-align: center;"><span class="header--h4">Based on your responses of potential qualifying account balances of <span class="slider-value">#slider amount here#</span> and credit card spending of <span class="input-value">#optional input amount here#</span></span></p> </div> </div> <div class="prb-benefits__button-wrapper"> <div class="cta-container cta--center"> <a class="cta cta--icon-link cta--royal-blue prb-benefits-view-next t-track-cta-link" target="_self" href="#view" data-bactmln="StandaloneCTA-_-CTA-_-view-platinum-honors-tier_#view"> <span class="cta__icon "></span>View platinum honors tier</a> </div> <div class="cta-container cta--center"> <a class="cta cta--icon-link cta--royal-blue prb-benefits-go-back hidden t-track-cta-link" target="_self" href="#goback" data-bactmln="StandaloneCTA-_-CTA-_-go-back-to-my-results_#goback"> <span class="cta__icon icon-action-back"></span>Go back to my results</a> </div> </div> <div class="prb-benefits"> <div class="prb-results" data-props-tier-id="platinum" data-props-default-spending-amount="1000" data-props-amount-copy="Typical value of potential benefits for the year:" data-props-accordion-data="[{"benefitLabel":"Fee waivers on select banking services","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on two checking accounts and average savings on monthly maintenance fees, ATM/debit card rush replacement, stop payments, incoming domestic wires, and more. Actual savings will vary based on services used.\u003c/p\u003e\r\n","benefitFormula":"26.42*12"},{"benefitLabel":"Bonus rewards on eligible business credit cards","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on the typical rewards earned on #input# monthly purchases made with a Bank of America Business Advantage rewards credit card and an additional 50% Preferred Rewards for Business Platinum tier bonus on the total net earn on every purchase you make.\u003c/p\u003e\r\n","benefitFormula":"(input *.0117*.50)*12"},{"benefitLabel":"Interest rate discounts on new Business Advantage Credit Lines, Term Loans and Secured Lending ","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eAs an example, based on a 5 year Business Advantage Term Loan or Secured Term Loan of $50,000 at 8% with a 0.50% Preferred Rewards for Business Platinum tier discount.\u003c/p\u003e\r\n","benefitFormula":"11.92*12"},{"benefitLabel":"Interest rate discount on new Business Advantage Auto Loans","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on a 5 year term loan of $44,000 at 3.5% with a 0.35% Preferred Rewards for Business Platinum tier rate discount.\u003c/p\u003e\r\n","benefitFormula":"6.88*12"},{"benefitLabel":"Interest rate discount on new Commercial Real Estate Loans","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on a 15 year fixed term loan of $600,000 at 6% with a 0.35% Preferred Rewards for Business Platinum tier discount.\u003c/p\u003e\r\n","benefitFormula":"112.75*12"},{"benefitLabel":"Cash back on eligible payroll service fees","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on $15 cash back on your eligible monthly payroll service fee.\u003c/p\u003e\r\n","benefitFormula":"15*12"}]" data-props-disclaimer-copy="<p>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</p> " data-props-enable-expand-collapse data-props-expand-all-copy="Expand all" data-props-collapse-all-copy="Collapse all" data-props-bactmln="PRB-accordion-_-Action-_-" data-props-tag-class="t-track-expand-collapse" data-props-number-of-decimals="0" data-action="prb-results"></div> <div class="prb-benefits__button-wrapper"> <div class="cta-container cta--center"> <a class="cta cta--primary cta--red prb-benefits-recalculate t-track-cta-link" target="_self" href="#recalculate" data-bactmln="StandaloneCTA-_-CTA-_-recalculate-rewards_#recalculate"> Recalculate Rewards</a> </div> <div class="cta-container cta--center"> <a class="cta cta--secondary cta--red t-track-cta-link" target="_blank" rel="noopener noreferrer" href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&" aria-label="Your potential Preferred Rewards Platinum Log in to enroll" data-bactmln="StandaloneCTA-_-CTA-_-button2-log-in-to-enroll_https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&"> Log in to enroll</a> </div> </div> </div> </div></div> </div> <div id="platinum-honors"> <div class="tier-benefits"> <div class="prb-benefits__container hidden"> <div class="focusable dynamic-subheading" tabindex="-1"> <img class="prb-benefits__tier-image" src="/content/dam/business-ecosystem/preferred-rewards/platinum-honors.png" role="presentation"/> <div class="header text header--center" data-action="text-component"> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2 style="text-align: center;"><span class="header--h3">Preferred Rewards for Business Platinum Honors tier benefits are based on a potential qualifying account balances over $100,000.</span></h2> </div> </div> <div class="dynamic-subheading__copy" data-action="text-component"> <h2 class="header--h3" style="text-align: center;">Your potential Preferred Rewards for Business tier is Platinum Honors.</h2> <p style="text-align: center;"><span class="header--h4">Based on your responses of potential qualifying account balances of <span class="slider-value">#slider amount here#</span> and credit card spending of <span class="input-value">#optional input amount here#</span></span></p> </div> </div> <div class="prb-benefits__button-wrapper"> <div class="cta-container "> </div> <div class="cta-container cta--center"> <a class="cta cta--icon-link cta--royal-blue prb-benefits-go-back hidden t-track-cta-link" target="_self" href="#goBack" data-bactmln="StandaloneCTA-_-CTA-_-go-back-to-my-results_#goBack"> <span class="cta__icon icon-action-back"></span>Go back to my results</a> </div> </div> <div class="prb-benefits"> <div class="prb-results" data-props-tier-id="platinum-honors" data-props-default-spending-amount="1000" data-props-amount-copy="Typical value of potential benefits for the year:" data-props-accordion-data="[{"benefitLabel":"Fee waivers on select banking services","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on two checking accounts and average savings on monthly maintenance fees, ATM/debit card rush replacement, stop payments, incoming domestic wires, and more. Actual savings will vary based on services used.\u003c/p\u003e\r\n","benefitFormula":"53.17*12"},{"benefitLabel":"Bonus rewards on eligible business credit cards","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on the typical rewards earned on #input# monthly purchases made with a Bank of America Business Advantage rewards credit card and an additional 75% Preferred Rewards for Business Platinum Honors tier bonus on the total net earn on every purchase you make.\u003c/p\u003e\r\n","benefitFormula":"(input *.0113*.75)*12"},{"benefitLabel":"Interest rate discounts on new Business Advantage Credit Lines, Term Loans and Secured Lending","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eAs an example, based on a 5 year Business Advantage Term Loan or Secured Term Loan of $50,000 at 8% with a 0.75% Preferred Rewards for Business Platinum Honors tier discount.\u003c/p\u003e\r\n","benefitFormula":"17.85*12"},{"benefitLabel":"Interest rate discount on new Business Advantage Auto Loans ","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on a 5 year term loan of $44,000 at 3.5% with a 0.50% Preferred Rewards for Business Platinum Honors tier rate discount.\u003c/p\u003e\r\n","benefitFormula":"9.82*12"},{"benefitLabel":"Interest rate discount on new Commercial Real Estate Loans ","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on a 15 year fixed term loan of $600,000 at 6% with a 0.50% Preferred Rewards for Business Platinum Honors tier discount.\u003c/p\u003e\r\n","benefitFormula":"160.64*12"},{"benefitLabel":"Cash back on eligible payroll service fees","benefitDisclosure":null,"benefitDetails":"\u003cp\u003eBased on $20 cash back on your eligible monthly payroll service fee.\u003c/p\u003e\r\n","benefitFormula":"20.00*12"}]" data-props-disclaimer-copy="<p>Note: This calculator is for illustrative purposes only. Your actual rewards earned will depend upon your individual benefits.</p> " data-props-enable-expand-collapse data-props-expand-all-copy="Expand all" data-props-collapse-all-copy="Collapse all" data-props-bactmln="PRB-accordion-_-Action-_-" data-props-tag-class="t-track-expand-collapse" data-props-number-of-decimals="0" data-action="prb-results"></div> <div class="prb-benefits__button-wrapper"> <div class="cta-container cta--center"> <a class="cta cta--primary cta--red prb-benefits-recalculate t-track-cta-link" target="_self" href="#recalculate" data-bactmln="StandaloneCTA-_-CTA-_-recalculate-rewards_#recalculate"> Recalculate Rewards</a> </div> <div class="cta-container cta--center"> <a class="cta cta--secondary cta--red t-track-cta-link" target="_blank" rel="noopener noreferrer" href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&" aria-label="Your potential Preferred Rewards Platinum Honors Log in to enroll" data-bactmln="StandaloneCTA-_-CTA-_-button2-log-in-to-enroll_https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&"> Log in to enroll</a> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="aem-wrap--modal"> <uc-modal version="v1_3.10.1-flagship" class="uc-component " id="dep1" role="dialog" aria-hidden="true" aria-modal="true" tabindex="-1" theme="black" variant="small"> <div class="uc-modal"> <div class="uc-modal__content"> <button class="uc-modal__close" data-uc-modal-action="close" aria-label="Close button, press enter to close modal"> <uc-icon role="img" class="uc uc-icon uc-icon-action-close uc-icon--black"></uc-icon> </button> <div class="uc-modal__header"> </div> <div class="uc-modal__body"> <div class="uc-layout__grid-cell "> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><b>Qualifying deposit and investment </b></p> <p><b>balances</b></p> <p>Clients in the eligible business categories may enroll in the program if you have an active, eligible Bank of America business checking account, and maintain a combined balance in your qualifying Bank of America® business deposit accounts and/or your qualifying Merrill Edge® and/or Merrill Lynch® business investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The combined balance is calculated based on your average daily balance for a three calendar month period. U.S. Trust® Small Business clients are automatically enrolled in the program at the Platinum Honors tier as long as you maintain your U.S. Trust relationship. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements.</p> <p> </p> <p>If you have deposit and investment accounts outside of Bank of America and Merrill Lynch, you can include those balances to see how transferring balances into an eligible Bank of America business deposit or Merrill business investment account can help you get even more benefits and rewards.</p> </div></div> </div> </div> <div class="uc-modal__buttons uc-modal__buttons--left"> </div> </div> </div> <div class="uc-modal__overlay"></div> </uc-modal></div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_43278" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--4-8"> <div class="row"> <div class="col col-xs-12 col-sm-4"> <div class="aem-wrap--header"> <div class="header text " data-action="text-component"> <h2 class="header__headline header--h3 header--blue"> Become a Preferred Rewards for Business Member </h2> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--cta"> <div class="cta-container cta--left"> <a class="cta cta--secondary cta--red t-track-cta-link" target="_self" href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&" aria-label="Become a Preferred Rewards for Business Member Log in to enroll" data-bactmln="StandaloneCTA-_-CTA-_-button3-log-in-to-enroll_https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&"> Log in to enroll</a> </div> </div> </div> <div class="col col-xs-12 col-sm-8"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><br /> There’s no fee to join or participate in the program. Here’s all you need to become a member.<br /> </p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_3707" class="layout-container "> <div class="layout-container__content layout-container__col-layout--6-6"> <div class="row"> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <ul> <li>An active, eligible Bank of America business checking account. Don’t have a Bank of America account yet? <a href="https://www.bankofamerica.com/smallbusiness/deposits/checking-accounts/" target="_self">Open a checking account</a></li> </ul> </div></div> </div> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <ul> <li>A 3-month combined average daily balance of $20,000 or more in qualifying Bank of America business deposit accounts and/or Merrill® business investment accounts</li> </ul> </div></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-60 background-container--pb-60"> <div class="background-container__content container-fluid background-container--gray"> <div class="aem-wrap--layout-container"> <div id="layout_10161" class="layout-container "> <div class="layout-container__content container-full-bleed layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">Have a personal relationship with Bank of America? Learn how our <a href="https://promotions.bankofamerica.com/preferredrewards/en">Preferred Rewards</a> consumer program can provide even more rewards for your personal relationship!</p> </div></div> </div> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_93851" class="layout-container "> <div class="layout-container__content container container--mobile layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--carousel"> <uc-carousel data-action="unityCarousel" version="v1_3.10.1-flagship" class="uc-component uc-carousel uc-carousel--single " variant="container" theme="black--fill" arrows="arrows--below" pips="center" minHeightMobile="auto" 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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_nbpc3auq_Preferred Rewards for Business Mastercard Sizzle Video"> <div id="1_nbpc3auq" 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">{"@type":"VideoObject","name":"Preferred Rewards for Business Mastercard Sizzle Video","description":"No description","thumbnailUrl":"https://cfvod.kaltura.com/p/4699762/sp/469976200/thumbnail/entry_id/1_nbpc3auq/version/100051","uploadDate":"2024-08-22T09:53:26-04:00","contentUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_nbpc3auq/format/url/protocol/https","embedUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_nbpc3auq/format/url/protocol/https","width":1280,"height":720,"duration":"PT1M29S","transcript":"[Music in background throughout video.] [Bank of America® logo and series of business owners running their businesses shown throughout video.] As a business owner, you’re always looking for ways to maximize your earnings. Because when every decision matters, you want to know you’re getting exceptional deals and rewards. [Bank of America Business Advantage Unlimited Cash Rewards credit card with Mastercard logo shown on screen.] On screen copy: Unlimited 1.5% cash back No annual fee Also: No annual cap on rewards $0 fraud liability Free employee cards Flexible redemption options Purchase protection With the Bank of America Business Advantage Unlimited Cash Rewards credit card, you’ll earn an unlimited 1.5% cash back on all your purchases… with no annual fee… [Bank of America Preferred Rewards For Business name treatment and Bank of America Business Advantage Unlimited Cash Rewards credit card with Mastercard logo shown, followed by a graphic that shows reward levels for each tier.] On screen copy: Not Enrolled 1.5% Gold $20K to < $50K* 1.87% Platinum $50K to < $100K* 2.25% Platinum Honors $100K+* 2.62% On screen disclosures: *3-month combined average daily balance in qualifying Bank of America Deposit and/or Merrill Business Investment accounts, and a Bank of America Business checking account are required for enrollment in Preferred Rewards for Business [Business Advantage Unlimited Cash Rewards credit card with Mastercard logo shown along with the Bank of America Preferred Rewards For Business flag graphic.] And when paired with Preferred Rewards for Business program, you get more rewards and benefits back as your business grows. If you qualify and enroll in Preferred Rewards for Business at the Platinum Honors tier, you can earn 2.62 percent cash back……on every purchase! On screen copy: Earn Platinum Honors rewards Earn 2.62% On screen disclosures: Platinum Honors tier requires $100k+ 3-month combined average daily balance in a Bank of America business deposit and/or Merrill business Investment account Maximize your potential rewards! On screen copy: You’re invited to Platinum Honors As your account balances grow, we’ll move you into the next tier, giving you more rewards and more benefits for the business you do every day… [Preferred Rewards for Business Gold level graphic, followed by the Platinum level graphic and finally the Platinum Honors flag graphic are shown in order to represent a client increasing their rewards with each tier achievement.] Enjoy benefits like no fees on select Banking services… discounts on Business Advantage financing… lower processing rates on merchant services… and much, much more… [Bank of America Preferred Rewards For Business name treatment shown, followed by descriptions of more rewards.] On screen copy: Select Banking Services No Fees · Save money on waived monthly maintenance fees, inbound wire transfers and more. Business Advantage Financing 0.25%-0.75% Interest Rate Discount · Pay less on new Business Advantage credit lines, term loans and secured lending. Merchant Services 0.05%-0.10% Processing Rate Discount (Simplified Pricing Plan) · Lower your cost to take card payments. Commercial Real Estate Loans 0.25%-0.50% Interest Rate Discount · Pay less on new Commercial Real Estate loans. Payroll Services $10-$20 Cash Back · Save money on eligible payroll service fees. Business Advantage Credit Card 25%-75% Bonus Rewards · Every purchase is more rewarding with an eligible Business Advantage credit card. See your rewards multiply, on all the Bank of America credit cards that qualify for Preferred Rewards for Business! Apply today! [Bank of America Business Advantage Unlimited Cash rewards, Business Advantage Travel Rewards and Business Advantage Customized Cash Rewards credit cards shown on screen. Mastercard logo appears on all three cards.] On screen copy: bankofamerica.com/BusinessUnlimited Apply today! On screen disclosure: Enrollment in Preferred Rewards for Business requires an active Bank of America business checking account, and a 3-month combined average daily balance of $20,000 or more in qualifying Bank of America business deposit and/or Merrill business investment accounts [Bank of America Preferred Rewards For Business name treatment shown.] Bank of America Preferred Rewards for Business… Making Small Business Banking more rewarding. What would you like the power to do? On screen copy: What would you like the power to do?® Bank of America® logo On screen disclosures: All credit card accounts are subject to credit approval and credit card account limits are subject to creditworthiness. Normal credit standards apply. Bank of America may prohibit use of an account to pay off or pay down another Bank of America account. Some restrictions may apply. Credit cards issued and administered by Bank of America, N.A. Banking products are provided by Bank of America, N.A. Members FDIC as well as affiliates and other subsidiaries of Bank of America Corporation. Only certain credit cards are eligible to receive the program bonus. Enrolled members with eligible cards will receive the program bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier based on program tier and type of reward card. The Preferred Rewards for Business 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 points will actually earn 125, 150 or 175 points based on your tier when the purchase posts to your account. The Preferred Rewards for Business bonus is not applied to any account opening bonus, if applicable. Other terms and conditions apply. If you have an eligible card, please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards for Business bonus on your business card. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Business Advantage 360, our small business online banking, or by calling the number on the back of your card. Most Bank of America® branded business credit cards (such as our Unlimited Cash Rewards, Customized Cash Rewards, and Travel Rewards and WorldPoints Rewards for Business credit card products) are eligible to receive the program bonus as long as the card account is open with active charging privileges. Mastercard is a registered trademark of Mastercard International Incorporated and is used by the issuer pursuant to license. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. Additional terms and conditions apply. Details for zero liability and purchase protection will be available when you receive your card. Bank of America, Merrill and the Bank of America logo are registered trademarks of Bank of America Corporation. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Investment products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Bank of America, N.A. Member FDIC ©2024 Bank of America Corporation. All rights reserved. [End of transcript]","@context":"http://schema.org"}</script><!-- }}} --> </uc-media> </div> </div> </div> <div class="uc-media-overlay__header uc-media-overlay__pause-mode--overlay-content uc-media-overlay__pause-mode-elem"> <div version="v1_3.10.1-flagship" class='uc uc-heading uc-heading--align-left uc-heading--mobile--align-left' data-tracking-name="HeadingGroup" data-id="benefit-spotlight"> <h3 data-large-screen-font-style="uc-headline-display--md" class='uc-heading__headline uc-headline-display--sm uc-text--white'>Benefit spotlight:</h3> <div class='uc-heading__subheadline'> <h3><span class="uc-headline-display--sm"><span class="uc-text--white">Maximize your business credit card rewards</span></span></h3> </div> </div> <!-- Heading templates --> <div class="uc-media-overlay__timestamp uc-media-overlay__timestamp--desktop"> <button class="uc-media-overlay__play-button" aria-label="Play video"> <i class="uc-media-overlay__play-icon uc-icon-media-ui-play"></i> </button> <div 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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_0ufb9osx_Tongal_BofA_TiffanySoryaSBVideoProject_PreferredRewardsDeliverable_16x9_42_V1_1_h264"> <div id="media1" 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">{"@type":"VideoObject","name":"Tongal_BofA_TiffanySoryaSBVideoProject_PreferredRewardsDeliverable_16x9_42_V1_1_h264","description":"No description","thumbnailUrl":"https://cfvod.kaltura.com/p/4699762/sp/469976200/thumbnail/entry_id/1_0ufb9osx/version/100011","uploadDate":"2024-02-21T11:58:07-05:00","contentUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_0ufb9osx/format/url/protocol/https","embedUrl":"https://cdnapisec.kaltura.com/p/4699762/sp/469976200/playManifest/entryId/1_0ufb9osx/format/url/protocol/https","width":1280,"height":720,"duration":"PT42S","transcript":"[Music in background throughout] [Bank of America® logo throughout] I created Novel Education so that we could provide high-level education for the type of student who didn't want to follow the regular grain. On screen copy: Tiffany Sorya CEO & Founder Novel Education Group Bank of America Small Business customer As a small business client of Bank of America, I was able to join Preferred Rewards for Business, which earns me rewards and benefits for my business. On screen copy: Bank of America® Preferred Rewards For Business Being an entrepreneur is creating something that’s yours. The Preferred Rewards for Business program allows me to put more back into the business and work with students all over the world. End Card: Bank of America Preferred Rewards For Business logo End Card: Bank of America® logo Learn more: bankofamerica.com/EnrollBusinessRewards On screen disclosure copy: Banking products are provided by Bank of America, N.A. Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation. You maintain your Preferred Rewards for Business status if you have an active, eligible Bank of America business checking account, maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts) and remain a Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business client. The qualifying balance is calculated based on your average daily balance for a three calendar month period. Bank of America Private Bank® Small Business clients are automatically enrolled in the program at the Platinum Honors tier as long as you maintain your Bank of America Private Bank® relationship. 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 and the Bank of America logo are registered trademarks of the Bank of America Corporation. All rights reserved. All other logos and company names mentioned herein are the property of their respective owners and are used pursuant to license. Bank of America, N.A., Member FDIC. ©2023 Bank of America Corporation. All rights reserved. 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class="uc-media-overlay__watch"> Watch video | 1:20 </div> </div> </div> </uc-media-overlay></div> </div> <div> <div class="aem-wrap--media-overlay"> <uc-media-overlay class="uc-component uc-media-overlay " data-action="unityMediaOverlay" theme="red" variant="video" pause-mode="default"> <div class="uc-media-overlay__overlay-container"> <div class="uc-media-overlay__overlay"> <div class="uc-media-overlay__timestamp uc-media-overlay__timestamp--mobile"> <button class="uc-media-overlay__play-button" aria-label="Play video Learn About Preferred Rewards for Business Benefits"> <i class="uc-media-overlay__play-icon uc-icon-media-ui-play"></i> </button> <div class="uc-media-overlay__watch"> Watch video | 1:38 </div> </div> <div class="uc-media-overlay__pause-mode--default uc-media-overlay__pause-mode-elem"> <button class="uc-media-overlay__play-button" aria-label="Play video Learn About Preferred Rewards for Business Benefits"> <i class="uc-media-overlay__play-icon 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On screen copy: Bank of America Preferred Rewards For Business GOLD TIER On screen disclosure: Please read important information at the end of this video. That’s why we created the Bank of America Preferred Rewards for Business program. It’s our way of showing our appreciation. There are no fees to join or participate. As a Gold tier member, you can see how the exclusive benefits really add up each year. On screen copy: On average, Gold tier members increased their overall benefit value to $195 a year. Now let’s explore what it looks like to save and grow with Bank of America. As a Gold tier member, you can get rewarded for the business you do. Enjoy no fees on select services, including no monthly maintenance fees on up to 4 eligible business checking and 4 business savings accounts. On screen copy: No Fees On select services, including: Monthly maintenance Domestic inbound wire transfers And more Whether you earn points or cash back with an eligible Business Advantage credit card, you can earn more from every purchase you make for your business with a 25% credit card Rewards Bonus. On screen copy: 25% Rewards Bonus There are even more savings in store for Gold tier members. You’ll boost your savings with a higher interest rate on a Bank of America Business Advantage Savings account. On screen copy: Save more with a 5% Interest Rate Booster Looking for a loan? Fund that expansion with discounted interest rates on new financing, On screen copy: 0.25% interest rate discount on Business Advantage Financing or drive growth for your business with a new Business Advantage auto loan. On screen copy: 0.25% interest rate discount on new Business Advantage Auto Loans With our new Merchant Services Simplified Pricing plan, a discounted processing rate for taking payments means fewer fees for you and a better experience for your customers. On screen copy: New Merchant Services processing rate discount Finally, simplify your payroll and even get monthly cash back on eligible payroll service fees. On screen copy: Get $10 monthly cash back on eligible payroll service fees You work hard for your business. With so many award-winning benefits to take advantage of, you have the power to earn more for the work you put in. On screen copy: Bank of America® logo Click below to activate your benefits today. On screen disclosures: Preferred Rewards for Business Overall Program Rules: The Preferred Rewards for Business program is only available to Bank of America Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business clients. Other categories of clients, such as those commonly referred to as Business Banking, Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three calendar month period, or (ii): your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Refer to your Business Schedule of Fees 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. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements. Average Benefit Value: Your benefits will depend on your Preferred Rewards for Business tier and which products and services you use. The average benefit value is based on earnings by Preferred Rewards for Business members at all tiers and includes benefits that don’t require enrollment in Preferred Rewards for Business and that may be available without maintaining Preferred Rewards for Business qualifying balances. Banking made better with no-fee services: Fee waivers do not apply to analyzed business checking or savings account products or to cards issued under these products. Visit Preferred Rewards for Business for a list of no-fee banking services. No Fee ATM: The Platinum and Platinum Honors program tier members using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals and balance transfers (1 each per statement cycle for Platinum tier members, unlimited for Platinum Honors tier members) from non-Bank of America ATMs in the U.S. and U.S. territories. Business Credit Cards: Only certain credit cards are eligible to receive the program bonus. Enrolled members with eligible cards will receive the program bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier based on program tier and type of reward card. The Preferred Rewards for Business 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 points will actually earn 125, 150, or 175 points based on your tier when the purchase posts to your account. The Preferred Rewards for Business bonus is not applied to any account opening bonus, if applicable. Other terms and conditions apply. If you have an eligible card, please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards for Business bonus on your business card. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Business Advantage 360, our small business online banking, or by calling the number on the back of your card. Most Bank of America® branded business credit cards (such as our Unlimited Cash Rewards, Customized Cash Rewards, and Travel Rewards credit card products) are eligible to receive the program bonus as long as the card account is open with active charging privileges. Visit Preferred Rewards for Business for a complete list of ineligible cards. Business Advantage Savings accounts: The Preferred Rewards for Business program savings interest rate booster is only available to members who have a Business Advantage Savings account and who have enrolled in the program. The interest rate booster will be applied to your Business Advantage Savings account after program enrollment. Your enrollment in Preferred Rewards for Business will not automatically convert any other existing savings account type to a Business Advantage Savings account. If your enrollment in the program is discontinued for any reason, the interest rate booster will end. Business Advantage Credit Line, Term Loan, and Secured Lending Interest Rate Discounts: Business line of credit and term loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the Preferred Rewards for Business program at the time of line of credit or term loan application for a new credit or refinanced facility (excludes specialty lending products that receive customized pricing). The amount of the discount (0.25% for Gold tier, 0.50% for Platinum tier, and 0.75% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. The benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval. Standard underwriting guidelines and credit policies apply. Business Advantage Auto Loan Interest Rate Discounts: Business Advantage Auto Loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the Preferred Rewards for Business program at the time of application for a new or refinanced Business Advantage Auto Loan. The amount of the discount (0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors tier) is based on the business applicant’s eligible tier and status at the time of application. Business Advantage Auto Loans do not qualify for, or entitle any applicant to, a discount under the consumer Preferred Rewards program. This discount will be reflected in the interest rate quoted upon loan approval. Discounts are only available on vehicle loan applications submitted by you to Bank of America and not applications submitted through dealerships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply. Merchant Services Processing Rate Discount (Simplified Pricing plan): If you: (1) are enrolled in the Preferred Rewards for Business program, (2) have a Merchant Services processing account with Bank of America that has an 8-digit Merchant ID number (“Merchant Services”), (3) are on the Simplified Pricing plan, and (4) are settling your sales processing transactions into a Bank of America business checking account, then you are eligible to receive a discount on your Merchant Services processing rate based on your tier status in the program as follows: Gold tier: 0.05%, Platinum tier: 0.07%, Platinum Honors tier: 0.10%. For example, if your regular processing rate for swiped transactions is 2.65% +$0.10, your rate at the Gold tier would be 2.60% +$0.10, at Platinum: 2.58% + $0.10, and at Honors: 2.55%+ $0.10. The processing rate discount savings will be applied as a credit on your Merchant Services account at the end of each billing cycle. To receive this benefit, your Merchant Services processing account, and the Bank of America business checking account where you are settling your sales processing transactions, must be open and you must be enrolled in Preferred Rewards for Business at the time the benefit is paid. Any pending benefits forfeit upon account closure. Your processing rate discount will be based on your Preferred Rewards for Business tier at the time the benefit is paid. Exclusions may apply based on merchant processing product. Subject to change. Our legacy Merchant Services products that are no longer actively for sale are eligible to receive a separate, and different, Preferred Rewards for Business Cash Reward benefit. Details of this benefit are described below. Preferred Rewards for Business Merchant Services Cash Reward Benefit: If you are: (1) enrolled in the Preferred Rewards for Business program; (2) have a merchant services processing account with Bank of America that does not have an 8-digit Merchant ID number (“Merchant Services”); and (3) direct your Merchant Services settlement funds into an eligible Bank of America business checking or business savings account, then you are eligible to receive a percentage-based rewards payment that is calculated using the combination of the total amount of your monthly net merchant services processing (“Monthly Net Processing “) with Merchant Services and your tier status in the program is as follows: Gold tier: 0.05% of Monthly Net Processing, Platinum tier: 0.10% of Monthly Net Processing, Platinum Honors tier: 0.15% of Monthly Net Processing. Monthly Net Processing equals your total monthly sales processed by Merchant Services, minus any refunds, returns, chargebacks, or other adjustments as determined by Merchant Services. The rewards payment(s) will be deposited into the same eligible Bank of America business checking or business savings account where your Merchant Services settlement funds are deposited. The Merchant Services processing rewards payment is typically paid in the month following a Merchant Services processing statement cycle. In order to receive this reward, the Bank of America business deposit account where your Merchant Services settlement funds are directed, and your Merchant Services processing account, must be open at the time of rewards payment. Any pending rewards payments forfeit upon account closure. Exclusions may apply based on merchant processing product. Subject to change. Full Service Payroll: If you are enrolled in the Preferred Rewards for Business program and are a client who has enrolled through Bank of America to receive full service payroll services from ADP® then you are eligible to receive a credit from Bank of America to offset a portion of your payroll product services fees based on your tier status in the Preferred Rewards for Business program as follows: Gold tier: $10, Platinum tier: $15, Platinum Honors tier: $20. Only service fees for the payroll provider’s full service payroll solutions are eligible to receive a credit. In addition to the general eligibility requirements, you also must fund your payroll with an eligible Bank of America business checking or business savings account. The payroll service fee credit is typically reflected monthly as a statement credit into the same account you are using to fund payroll as long as you have processed at least one payroll transaction through the account in the last 180 days. The payroll service fee credit is typically processed in the month following the statement cycle in which the fee was assessed. For example, payroll activity in January may result in a statement credit in your March statement. In order to receive this credit, the Bank of America business deposit account where you fund your payroll must be open at the time the credit is applied. Any pending credits forfeit upon account closure. To be eligible for a credit, clients must have enrolled through Bank of America in ADP® Payroll Services on or after December 31, 2015. Intuit QuickBooks® Online Payroll users are not eligible for this benefit. ADP and the ADP logo are registered trademarks of ADP, LLC, used under license. Bank of America does not deliver and is not responsible for the products, services or performance of ADP, LLC or Intuit Inc. Intuit QuickBooks and the Intuit logo are registered trademarks of Intuit Inc., used under license. Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients’ use of their services. Internet access may be required. Internet service provider fees may apply. Other bank fees may apply. Visit Preferred Rewards for Business and view the Business Schedule of Fees for details. Bank of America Preferred Rewards and Preferred Rewards for Business were recognized for a Platinum award for 360 Degree Award (Brand) in the 2023 Loyalty360 Awards. This award recognizes the brands with the best overall weighted average finishes across multiple categories, as well as the suppliers that had the highest weighted average with single or multiple clients across categories. Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. 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. Bank of America, N.A. Member FDIC ©2024 Bank of America Corporation. MAP#6141205 [End of transcript]","@context":"http://schema.org"}</script><!-- }}} --> </uc-media> </div> </div> </div> <div class="uc-media-overlay__header uc-media-overlay__pause-mode--overlay-content uc-media-overlay__pause-mode-elem"> <div version="v1_3.10.1-flagship" class='uc uc-heading uc-heading--align-left uc-heading--mobile--align-left' data-tracking-name="HeadingGroup" data-id="were-here-for-you"> <h3 data-large-screen-font-style="uc-headline-display--md" class='uc-heading__headline uc-headline-display--sm uc-text--white'>We're here for you:</h3> <div class='uc-heading__subheadline'> <h3><span class="uc-headline-display--sm"><span class="uc-text--white">Learn how we can benefit your business</span></span></h3> </div> </div> <!-- Heading templates --> <div class="uc-media-overlay__timestamp uc-media-overlay__timestamp--desktop"> <button class="uc-media-overlay__play-button" aria-label="Play video Learn About Preferred Rewards for Business Benefits"> <i 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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_y5o0nhqx_PRB Demo 1 - Jay_s Java Bistro-2024-01-03T18_03_32.925Z"> <div id="media3" 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">{"@type":"VideoObject","name":"PRB Demo 1 - Jay_s 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Narrator: Thank you for being a Bank of America Preferred Rewards for Business Platinum Honors tier member, and congratulations on a great year of earning more, saving more, and getting more back. Description: On screen copy: You saved $10,918 in rewards and earned 16,534 in points last year, including your Bank of America Preferred Rewards® for Business benefits* Let's take a closer look On screen disclosure: *Total value may not include all benefits earned in the program. Narrator: Here's a snapshot of the rewards, benefits and services you received in 2023. We’ll now take a closer look at the Preferred Rewards for Business value you received and show you how to get even more as a program member. Description: On screen copy: Your savings with no-fee banking services $269 saved on monthly maintenance fees $300 saved on domestic inbound wire transfers and online outbound wire transfers $15 saved on ATM/Debit card rush replacements Total savings:* $584 On screen disclosure: *The fees waived may include benefits that are available without enrolling in Preferred Rewards for Business. Total fees waived may not reflect all no-fee services used. Description: On screen copy: Additional no-fee banking services available to you: International inbound wire transfers Stop payments Narrator: Your program benefits include no fees on select banking services, including no monthly maintenance fees on up to 4 business checking and 4 business savings accounts. Saving money on all these services can really add up. Here's how much you saved last year. You used: Withdrawals: 5 Balance Inquiries: 1 Balance Transfers: 0 Total: 5 Total ATM Fee Savings*: $29 On screen disclosure: *Based on your program tier at the time you used the benefit. The Gold tier benefits do not include ATM fee waivers. Narrator: Take a look at how many no-fee ATM transactions you made, and how much you saved in 2023. Description: On screen copy: Preferred Rewards for Business 75% cash back bonus Business Advantage Unlimited Cash Rewards credit card Cash back earned on purchases: $5,797 Preferred Rewards for Business cash back bonus: $4,348 Total cash back rewards*: $10,145 On screen disclosure: *This amount does not include rewards earned from limited time promotions, pending transactions, rewards adjustments made by Bank of America or rewards transferred from another rewards program. Business Advantage Travel Rewards credit card Points earned on purchases: 9,448 Preferred Rewards for Business bonus points: 7,086 Total points*: 16,534 On screen disclosure: *This amount does not include rewards earned from limited time promotions, pending transactions, rewards adjustments made by Bank of America or rewards transferred from another rewards program. Enjoy the Preferred Rewards for Business bonus on all of your eligible Bank of America Business Advantage credit cards Narrator: With your Bank of America Business Advantage Cash Rewards credit card, you earned cash back on all of your purchases, and received a program rewards bonus. Take a look at how much you earned in cash back rewards last year, and how much of it came from your Preferred Rewards for Business bonus. And here’s what you earned on one of your other Business Advantage credit cards. Enjoy the Preferred Rewards for Business bonus on all of your eligible Bank of America business credit cards. Description: On screen copy: You simplified your payroll administration You received $20 monthly cash back on your payroll service fees Yearly total saved $160* On screen disclosures: *Based on your program tier at the time you used the benefit. Narrator: Well done on simplifying your payroll administration. As a program member, you earned $10 monthly cash back on your payroll service fees. This shows the total amount you saved on your payroll fees in the last year. Description: On screen copy: 20% Interest Rate Booster on your Business Advantage Savings account Narrator: You received a 20% interest rate booster on your Business Advantage Savings account. Description: On screen copy: Get more with these valuable benefits Interest rate discounts on Business Advantage Financing, Business Advantage Auto loans, and more 0.10% processing rate discount on Merchant Services Simplified Pricing plan Narrator: As you look forward to the months ahead, we'd also like to remind you that there are even more valuable benefits, savings and rewards available to you as a Preferred Rewards for Business member. Narrator: As a Preferred Rewards for Business member you get interest rate discounts on new Business Advantage Credit Lines, Business Advantage Term Loans, Business Advantage Auto Loans, Secured Lending Commercial Real Estate Loans Description: On screen copy: Merchant Services You are eligible for a 0.10% processing rate discount on our Merchant Services Simplified Pricing plan Narrator: Lower your cost to take card payments with a Merchant Services processing rate discount on each card transaction you take online, over the phone and in person. Description: On screen copy: Thank you for being a Preferred Rewards for Business Platinum Honors tier member Visit your Rewards Summary Schedule an appointment Narrator: Thank you for being a Preferred Rewards for Business Gold tier member. To visit your Rewards Summary, where you can keep track of your program tier, qualifying balance and see all the benefits available to you, click the button on your screen. To bank by appointment, click the button on your screen. Description: On screen copy: Your 2023 Benefits Summary Cash value $584 saved with no-fee banking services $29 saved with no-fee ATM transactions $10,145 credit card cash back and rewards bonus $160 cash back on eligible payroll service fees $10,918 Total Points value 16,534 credit card points and rewards bonus Discounts and Boosters 20% interest rate booster on Business Advantage Savings accounts Your 2023 Benefits Summary $584 saved with no-fee banking services $29 saved with no-fee ATM transactions $10,145 credit card cash back and rewards bonus 16,534 credit card points and rewards bonus $160 cash back on eligible payroll service fees 20% interest rate booster on Business Advantage Savings accounts On screen disclosure: *May not include all benefits earned in the program Bank of America, N.A. Member FDIC ©2024 Bank of America Corporation. Narrator: And finally, here's a summary of the rewards, benefits and services you took advantage of in 2023. If you want to save a copy for your records, click the button under the video.","@context":"http://schema.org"}</script><!-- }}} --> </uc-media> </div> </div> </div> <div class="uc-media-overlay__header uc-media-overlay__pause-mode--overlay-content uc-media-overlay__pause-mode-elem"> <div version="v1_3.10.1-flagship" class='uc uc-heading uc-heading--align-left uc-heading--mobile--align-left' data-tracking-name="HeadingGroup" data-id="a-personalized-touch"> <h3 data-large-screen-font-style="uc-headline-display--md" class='uc-heading__headline uc-headline-display--sm uc-text--white'>A personalized touch:</h3> <div class='uc-heading__subheadline'> <h3><span class="uc-text--white"> <span class="uc-headline-display--sm">View your potential rewards</span></span></h3> <p><span><span class="uc-text--white">(Example for illustrative purposes only. Your actual rewards will depend on which products and services you use.)</span></span></p> </div> </div> <!-- Heading templates --> <div class="uc-media-overlay__timestamp uc-media-overlay__timestamp--desktop"> <button class="uc-media-overlay__play-button" aria-label="Play video Personalized view of your potential rewards"> <i class="uc-media-overlay__play-icon uc-icon-media-ui-play"></i> </button> <div class="uc-media-overlay__watch"> Watch video | 3:16 </div> </div> </div> </uc-media-overlay></div> </div> </div> <div class="uc-carousel__controls"> <button aria-label="Return to Previous Item" class="uc-carousel__arrow uc-carousel__arrow--prev uc-icon-action-left"></button> <div class="uc-carousel__dots"></div> <button aria-label="Go to Next Item" class="uc-carousel__arrow uc-carousel__arrow--next uc-icon-action-right"></button> </div> </uc-carousel></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_34722" class="layout-container "> <div class="layout-container__content container container--mobile layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-70 background-container--pb-70"> <div class="background-container__content container-fluid background-container--white" style="background-color:#e31837;"> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--h3 header--white"> Connect with a Small Business Specialist to learn how Preferred Rewards for Business can help you </h2> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--cta"> <div class="cta-container cta--center"> <a class="cta cta--secondary cta--red t-track-cta-link" target="_blank" rel="noopener noreferrer" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=SBHOME_ECBBA_A2000" data-bactmln="StandaloneCTA-_-CTA-_-get-connected-with-a-specialist_https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=SBHOME_ECBBA_A2000"> Get connected with a specialist</a> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <center><span class="color-white">Call 888.BUSINESS (<span><a href="tel:8882874637">888.287.4637</a></span>)</span></center> </div></div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--rich-text-block"> <style type="text/css"> #rich-text-block_82858 { background-color:#F5F5F5; } #rich-text-block_82858 .header__headline{ } #rich-text-block_82858 .content__body { } </style> <div id="rich-text-block_82858" class="rich-text-block rich-text-block--highlight-block "> <div class="rich-text-block__wrapper rich-text-block--cool-gray rich-text-block--image-left"> <div class="rich-text-block__image"> <div id="image_12926" class="image image--single " data-action="image-component"> <div class="image__wrapper text " data-action="text-component"> <div class="image__content"> <picture class="image__picture"> <source srcset="/content/dam/business-ecosystem/preferred-rewards/CLE-Blue_752x425.jpg" media="(min-width: 75.0625rem)"/> <source srcset="/content/dam/business-ecosystem/preferred-rewards/CLE-Blue_752x425.jpg" media="(min-width: 64.0625rem)"/> <source srcset="/content/dam/business-ecosystem/preferred-rewards/CLE-Blue_752x425.jpg" media="(min-width: 48.0625rem)"/> <img class="image__img " src="/content/dam/business-ecosystem/preferred-rewards/CLE-Blue_327x187.jpg" width="327" height="187" alt="Businesspeople discussing strategy at coffee table" aria-hidden="true"/> </picture> </div> </div> </div> </div> <div class="rich-text-block__content"> <div class="content__wrapper"> <div class="header text " data-action="text-component"> <h2 class="header__headline header--h3 header--blue"> Need a business checking account? We have options </h2> </div> <div class="content__body text " data-action="text-component"><p>Open a Bank of America business checking account to fit your needs.</p> </div> <div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--cta"> <div class="cta-container cta--left"> <a class="cta cta--primary cta--dark-blue t-track-cta-link" target="_self" href="https://www.bankofamerica.com/smallbusiness/deposits/checking-accounts/" data-bactmln="StandaloneCTA-_-CTA-_-explore-checking-solutions_https://www.bankofamerica.com/smallbusiness/deposits/checking-accounts/"> Explore checking solutions</a> </div> </div> </div> <div class="content__ctas"> <div class="cta-container "> </div> <div class="cta-container "> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_67825" class="layout-container "> <div class="layout-container__content container container--mobile layout-container__col-layout--fullwidth"> <span id="faqs" aria-hidden="true"></span> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--header"> <div class="header text " data-action="text-component"> <h2 class="header__headline header--h2 header--blue"> Preferred Rewards for Business FAQs </h2> </div></div> <div class="aem-wrap--accordion"> <uc-accordion version="v1_3.10.1-flagship" class="uc uc-component t-track-uc-accordion" data-placeholder-text="false" icon="caret" theme="light" data-tracking-name="accordion" data-expand-collapse data-expand-all-copy="Expand all" data-collapse-all-copy="Collapse all" data-expand-all-tag="Accordion-_-Preferred-Rewards-for-Business-FAQs-_-Expand-all" data-collapse-all-tag="Accordion-_-Preferred-Rewards-for-Business-FAQs-_-Collapse-all"> <uc-accordion-item id="accordion-0"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-what-is-preferred-rewards-for-business-_-expand" aria-expanded="false" id="accordion-button-0" aria-controls="accordion-section-0"> <span class='uc-heading__headline uc-headline--sm'>What is Preferred Rewards for Business?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-0" role="region" aria-labelledby="accordion-button-0" aria-hidden="true"> <p>Preferred Rewards for Business rewards you for the business you do with a wide range of benefits across your business banking relationship. There are no fees to join or participate. And as your qualifying balances grow, so do your benefits. There are three tiers in the program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America® business deposit and/or Merrill® business investment accounts.</p> <p> </p> <p>Once you’re a member, you’ll move to a higher tier after any month your account balances qualify you for the next level of rewards. Don’t worry if your balances dip temporarily: Your balances are reviewed annually to determine whether you’ll move to a lower tier. Refer to the Preferred Rewards for Business section of the <a href="https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/" target="_blank">Business Schedule of Fees</a> to see which accounts qualify.</p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-1"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-how-do-i-qualify-_-expand" aria-expanded="false" id="accordion-button-1" aria-controls="accordion-section-1"> <span class='uc-heading__headline uc-headline--sm'>How do I qualify?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-1" role="region" aria-labelledby="accordion-button-1" aria-hidden="true"> <p>Preferred Rewards for Business is available to Bank of America® Small Business, Merrill® Small Business and Private Bank Small Business clients. All you’ll need to become a Preferred Rewards for Business member is:</p> <p> </p> <ul> <li>An active eligible Bank of America business checking account</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.</li> </ul> <p> </p> <p>Once you’ve met these requirements you must then <a href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&" target="_self">take action to enroll</a>.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-2"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-do-i-have-to-enroll-to-become-a-preferred-rewards-for-business-member-_-expand" aria-expanded="false" id="accordion-button-2" aria-controls="accordion-section-2"> <span class='uc-heading__headline uc-headline--sm'>Do I have to enroll to become a Preferred Rewards for Business member?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-2" role="region" aria-labelledby="accordion-button-2" aria-hidden="true"> <p>Yes, enrollment is simple through Online Banking. There are no fees to join or participate in Preferred Rewards for Business. And once you’re enrolled, you’ll automatically receive tier upgrades as your balances qualify you for the next level of rewards. <a href="https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go?reason=rroptin&">Log in to Online Banking to find out if you’re eligible to enroll</a>.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-3"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-do-i-need-to-open-new-business-accounts-to-take-advantage-of-the-benefits-_-expand" aria-expanded="false" id="accordion-button-3" aria-controls="accordion-section-3"> <span class='uc-heading__headline uc-headline--sm'>Do I need to open new business accounts to take advantage of the benefits?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-3" role="region" aria-labelledby="accordion-button-3" aria-hidden="true"> <p>It depends on what types of accounts you have. After you enroll, some benefits may require you to change your account type or open a new account in order to receive all the benefits. Here are a few examples:</p> <ul> <li>If you already have a Business Advantage Savings account, you’ll automatically receive the interest rate booster.</li> <li>If you already have an eligible Business Advantage credit card, you’ll automatically receive the rewards bonus. <a data-uc-modal-action="open" data-uc-modal-id="eligible-Business-advantage-credit-card" href="#">View a complete list of ineligible credit cards</a>.</li> </ul> <p> </p> <p>If you’d like to convert an existing savings account or open a new account that’s eligible for the rewards bonus, please</p> <p>Call 888.BUSINESS (<span><a href="tel:8882874637">888.287.4637</a></span>).</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-4"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-i-am-enrolled-in-preferred-rewards-on-my-personal-accounts-what-is-the-difference-between-preferred-rewards-and-preferred-rewards-for-business-_-expand" aria-expanded="false" id="accordion-button-4" aria-controls="accordion-section-4"> <span class='uc-heading__headline uc-headline--sm'>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> <section class='uc-accordion-item__content' id="accordion-section-4" role="region" aria-labelledby="accordion-button-4" aria-hidden="true"> <p>If you’re enrolled in the <a href="https://promotions.bankofamerica.com/preferredrewards/en" target="_self">Preferred Rewards</a> consumer program for personal accounts, you aren’t automatically enrolled in the Preferred Rewards for Business program. 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.</li> </ul> <p>You can enroll in the Preferred Rewards for Business program and begin enjoying all the program’s features and benefits.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-5"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-how-do-i-maintain-my-program-status-once-i-become-a-member-_-expand" aria-expanded="false" id="accordion-button-5" aria-controls="accordion-section-5"> <span class='uc-heading__headline uc-headline--sm'>How do I maintain my program status once I become a member?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-5" role="region" aria-labelledby="accordion-button-5" aria-hidden="true"> <p>All you have to do is maintain your qualifying balance and have an open active checking account. Your qualifying balance is your combined average daily business balance in your Bank of America® business deposit and/or Merrill business investment accounts over three full calendar months.</p> <p> </p> <p>The minimum qualifying balance requirements are $20,000 for the Gold tier, $50,000 for the Platinum tier and $100,000 for the Platinum Honors tier.</p> <p> </p> <p>Once you’re a member, you’ll keep your benefits for as long as you continue to qualify for the program.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-6"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-what-happens-if-my-program-balance-drops-after-i-enroll-and-i-go-into-grace-status-_-expand" aria-expanded="false" id="accordion-button-6" aria-controls="accordion-section-6"> <span class='uc-heading__headline uc-headline--sm'>What happens if my program balance drops after I enroll and I go into grace status?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-6" role="region" aria-labelledby="accordion-button-6" aria-hidden="true"> <p>No need to worry if your balances dip temporarily; you’ll keep your Preferred Rewards for Business program status for a full year. If you no longer meet the eligible business checking account and/or balance requirements, you’ll have a three-month grace period to restore your eligibility.</p> <p> </p> <p>When the grace period ends, if you still haven’t met the balance requirement, you’ll be moved to a lower benefit tier. If your qualifying balance falls below $20,000, you’ll lose your benefits entirely. We’ll monitor your qualifying balance over the next 24 months and resume your benefits if you meet the balance requirement during that time. If you don’t meet the requirements until after 24 months, you’ll need to re-enroll in the program. Refer to the Preferred Rewards for Business section of the <a href="https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/" target="_blank">Business Schedule of Fees</a> for qualifying accounts.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-7"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-are-there-any-fees-associated-with-the-preferred-rewards-for-business-program-_-expand" aria-expanded="false" id="accordion-button-7" aria-controls="accordion-section-7"> <span class='uc-heading__headline uc-headline--sm'>Are there any fees associated with the Preferred Rewards for Business program?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-7" role="region" aria-labelledby="accordion-button-7" aria-hidden="true"> <p>No. There are no fees to join or participate. And once you’re a member, as your business balances qualify you for the next level of rewards, we’ll move you up a tier.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-8"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-what-value-of-benefits-could-i-potentially-earn-_-expand" aria-expanded="false" id="accordion-button-8" aria-controls="accordion-section-8"> <span class='uc-heading__headline uc-headline--sm'>What value of benefits could I potentially earn?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-8" role="region" aria-labelledby="accordion-button-8" aria-hidden="true"> <p>The value of your benefits will be determined by all the ways you can use them. On average members increased their overall benefits to $500 a year with Preferred Rewards for Business. For example, you could potentially benefit from interest rate discounts, credit card rewards bonuses and no-fee ATM transactions. To find out more check out our <a href="#calculator">Preferred Rewards for Business calculator</a>.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-9"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-when-will-my-preferred-rewards-for-business-benefits-become-active-_-expand" aria-expanded="false" id="accordion-button-9" aria-controls="accordion-section-9"> <span class='uc-heading__headline uc-headline--sm'>When will my Preferred Rewards for Business benefits become active?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-9" role="region" aria-labelledby="accordion-button-9" aria-hidden="true"> <p>Typically, Preferred Rewards for Business benefits become active within 30 days of enrolling in the program. 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 for Business 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 actions to enjoy the complete benefits.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-10"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-can-i-enroll-in-preferred-rewards-for-business-now-even-though-i-need-to-open-a-bank-of-america-business-checking-account-and-maintain-the-qualifying-balance-_-expand" aria-expanded="false" id="accordion-button-10" aria-controls="accordion-section-10"> <span class='uc-heading__headline uc-headline--sm'>Can I enroll in Preferred Rewards for Business now, even though I need to open a Bank of America business checking account and maintain the qualifying balance?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-10" role="region" aria-labelledby="accordion-button-10" aria-hidden="true"> <p>Early Enrollment in the program is available if this is your first Bank of America business checking account and you deposit $20,000 or more within 30 days of opening your account.</p> <p> </p> <p>If you don’t qualify for Early Enrollment, you can still enroll in Preferred Rewards for Business once you have a three-month combined average daily balance of $20,000 or more in your Bank of America® business deposit and/or Merrill® business investment accounts.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-11"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-how-can-preferred-rewards-help-me-earn-more-rewards-on-my-bank-of-america-credit-cards-_-expand" aria-expanded="false" id="accordion-button-11" aria-controls="accordion-section-11"> <span class='uc-heading__headline uc-headline--sm'>How can Preferred Rewards help me earn more rewards on my Bank of America credit cards?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-11" role="region" aria-labelledby="accordion-button-11" aria-hidden="true"> <p>Once you’re a Preferred Rewards for Business member, you’ll earn 25% - 75% more rewards on every purchase made with eligible Bank of America® credit cards. <a data-uc-modal-action="open" data-uc-modal-id="eligible-Business-advantage-credit-card" href="#">View a complete list of ineligible credit cards</a>. Your reward bonus is based on your enrolled tier: Gold 25%, Platinum 50% or Platinum Honors 75%. For example, a purchase that typically earns $1 in cash rewards will earn $1.25 to $1.75, depending on your Preferred Rewards for Business 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.</p> <p> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-12"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-how-can-i-move-to-a-higher-preferred-rewards-for-business-tier-_-expand" aria-expanded="false" id="accordion-button-12" aria-controls="accordion-section-12"> <span class='uc-heading__headline uc-headline--sm'>How can I move to a higher Preferred Rewards for Business tier?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-12" role="region" aria-labelledby="accordion-button-12" aria-hidden="true"> <p>After you enroll, you can move to a higher Preferred Rewards for Business tier and enjoy more benefits and rewards by increasing your qualifying Bank of America® deposit and/or Merrill® investment balances. Each month, we ll review your qualifying balances and you ll automatically move to a higher tier when those balances qualify you for the next level of rewards.</p> <p> </p> <p><strong>Here's an example:</strong></p> <p>You’ve been a Preferred Rewards for Business 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 $55,000 in month seven and $70,000 in month eight, you’d qualify for the Platinum tier because your three-month average daily balance would be $51,667.</p> <p> </p> <table cellpadding="0" cellspacing="0" border="0" width="100%" style="max-width: 40.0%;margin: 0 auto;min-width: 220.0px;"> <tbody><tr><th scope="col" style="text-align: center;"><span style="font-weight: normal;">$30k balance</span></th> <th scope="col" style="text-align: center;"><span style="font-weight: normal;">$55k balance</span></th> <th scope="col" style="text-align: center;"><span style="font-weight: normal;">$70k balance</span></th> </tr><tr><td style="text-align: center;">Month 6</td> <td style="text-align: center;">Month 7</td> <td style="text-align: center;">Month 8</td> </tr><tr><td style="text-align: center;"><img src="/content/dam/business-ecosystem/preferred-rewards/Calendar-Icon.svg" alt="calendar icon" style="max-width: 100.0px;margin: 0 auto;"/></td> <td style="text-align: center;"><img src="/content/dam/business-ecosystem/preferred-rewards/Calendar-Icon.svg" alt="calendar icon" style="max-width: 100.0px;margin: 0 auto;"/></td> <td style="text-align: center;"><img src="/content/dam/business-ecosystem/preferred-rewards/Calendar-Icon.svg" alt="calendar icon" style="max-width: 100.0px;margin: 0 auto;"/></td> </tr></tbody></table> <p> </p> <p style="text-align: center;">Three-month total: $155,000</p> <p style="text-align: center;">Divided by three months = $51,667 average daily balance</p> <p style="text-align: center;">Congratulations! You’ve qualified for the Platinum tier.</p> <p style="text-align: center;"> </p> <p style="text-align: center;"> <em>*Your tier upgrade may take a bit longer if there are other changes to your account.</em></p> <p style="text-align: center;"> </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-13"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-does-enrolling-in-preferred-rewards-for-business-qualify-me-for-lending-and-credit-products-_-expand" aria-expanded="false" id="accordion-button-13" aria-controls="accordion-section-13"> <span class='uc-heading__headline uc-headline--sm'>Does enrolling in Preferred Rewards for Business qualify me for lending and credit products?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-13" role="region" aria-labelledby="accordion-button-13" aria-hidden="true"> <p>Enrolling in Preferred Rewards for Business does not automatically qualify you for lending or credit products. Our credit approval requirements, standard underwriting and credit policies still apply.</p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> <uc-accordion-item id="accordion-14"> <h3 class='trigger'> <button class="uc-headline--sm uc-accordion__button" data-bactmln="accordion-_-how-can-i-receive-extra-discounts-when-applying-for-an-auto-loan-as-a-preferred-rewards-for-business-member-_-expand" aria-expanded="false" id="accordion-button-14" aria-controls="accordion-section-14"> <span class='uc-heading__headline uc-headline--sm'>How can I receive extra discounts when applying for an auto loan as a Preferred Rewards for Business member?</span> </button> </h3> <section class='uc-accordion-item__content' id="accordion-section-14" role="region" aria-labelledby="accordion-button-14" aria-hidden="true"> <p>Once you’re a Preferred Rewards for Business member, you can get a Business Advantage auto loan interest rate discount up to 0.50%. You must be enrolled at the time of your application and your interest rate discount is based on your tier level – Gold 0.25%, Platinum 0.35% or Platinum Honors 0.50%. That means if you’re a Platinum Honors tier member and qualify for a new Business Advantage auto loan with a 4.00% interest rate, a 0.50% interest rate discount would lower your interest rate to 3.50%. Standard underwriting guidelines and credit policies apply. </p> <div data-cmp-hook-accordion="panel" role="region"> </div> </section> </uc-accordion-item> </uc-accordion></div> <div class="aem-wrap--modal"> <uc-modal version="v1_3.10.1-flagship" class="uc-component " id="eligible-Business-advantage-credit-card" role="dialog" aria-hidden="true" aria-modal="true" tabindex="-1" theme="black" variant="wide"> <div class="uc-modal"> <div class="uc-modal__content"> <button class="uc-modal__close" data-uc-modal-action="close" aria-label="Close button, press enter to close modal"> <uc-icon role="img" class="uc uc-icon uc-icon-action-close uc-icon--black"></uc-icon> </button> <div class="uc-modal__header"> </div> <div class="uc-modal__body"> <div class="uc-layout__grid-cell "> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><b>Cards <u>not</u> eligible for<br /> the Rewards Bonus:</b></p> <p><b> </b></p> <ul> <li>Non-rewards credit cards (Bank of America Platinum and Platinum Plus for Business cards)</li> <li>Personal or consumer-purpose credit cards</li> <li>Business Advantage Cash Rewards 123 with 50% bonus</li> <li>Business Advantage Travel Rewards with 50% bonus</li> <li>Merrill branded Merrill Rewards for Business Card</li> <li>Alaska Airlines®</li> </ul> <p> </p> <p>Business Banking, Global Commercial Banking, Global Corporate Investment Banking or Institutional clients are not eligible to participate in the program. This list is subject to change without prior notice.</p> </div></div> </div> </div> <div class="uc-modal__buttons uc-modal__buttons--left"> </div> </div> </div> <div class="uc-modal__overlay"></div> </uc-modal></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--background-container"> <div class="background-container container-full-bleed background-container--pt-60 background-container--pb-60"> <div class="background-container__content container-fluid background-container--gray"> <div class="aem-wrap--layout-container"> <div id="layout_97670" class="layout-container "> <div class="layout-container__content container container--mobile layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><span class="header--h4"><u><b>Important Disclosures and Information</b></u></span></p> <p> </p> <p><b><u>Preferred Rewards for Business Eligibility Requirements:</u> </b>The Preferred Rewards for Business program is only available to Bank of America Small Business, Merrill Small Business, Bank of America Private Bank® Small Business, and Business Banking clients. Other categories of clients, such as those commonly referred to as Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three-calendar month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. 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. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements. Not all account types will count towards the balance requirements and receive program benefits. Refer to your <u><a href="https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/">Business Schedule of Fees</a></u> for details on accounts that qualify towards the combined balance calculation and receive program benefits. Not all Small Business products are available to Business Banking Clients. Business Banking clients may contact their relationship manager for details about which Small Business products are available to them. </p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><sup class="global-sup"><a title="Footnote 1 link" id="footnote1" href="#prb1" data-aria-label="Footnote 1" class="return-to-tiers">1</a></sup><b><u>Preferred Rewards for Business:</u></b> Bank of America Preferred Rewards and Preferred Rewards for Business were recognized for a Platinum award for 360 Degree Award (Brand) in the <a href="https://loyalty360.org/loyalty360-events/loyalty360-awards">2024 Loyalty 360 awards</a>. This award recognizes the brands with the best overall weighted average finishes across multiple categories, as well as the suppliers that had the highest weighted average with single or multiple clients across categories.</p> <p> </p> <p><a title="Footnote 1 link" id="footnote1" class="t-track-text-link" data-aria-label="Footnote 1" href="#prb1">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 2 link" id="footnote2" href="#prb2" data-aria-label="Footnote 2" class="return-to-tiers">2</a></sup><b><u>Banking made better with no fees on select services:</u></b> Fee waivers do not apply to analyzed business checking or savings account products or to cards issued under these products. See the <u><a href="https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/">Business Schedule of Fees</a></u> for more information.</p> <p> </p> <p><a title="Footnote 2 link" id="footnote2" class="t-track-text-link" data-aria-label="Footnote 2" href="#prb2">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 3 link" id="footnote3" href="#tier-results" data-aria-label="Footnote 3" class="return-to-tiers">3</a></sup><u><b>Business Credit Cards:</b></u> Certain credit cards are eligible to receive the program bonus. Enrolled members with eligible cards will receive the program bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier on each purchase. The Preferred Rewards for Business 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 points will actually earn 125, 150, or 175 points based on your tier when the purchase posts to your account. The Preferred Rewards for Business bonus is not applied to any account opening bonus, if applicable. Other terms and conditions apply. If you have an eligible card, please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards for Business bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Business Advantage 360, our small business online banking, or by calling the number on the back of your card. Most Bank of America® branded business rewards credit cards (such as our Unlimited Cash Rewards, Customized Cash Rewards, and Travel Rewards credit card products) are eligible to receive the program bonus as long as the card account is open with active charging privileges.</p> <p> </p> <p><a data-uc-modal-action="open" data-uc-modal-id="gold1" href="#" class="t-track-prb-modal" data-bactmln="PRB-modal-open-_-Click-_-View-a-complete-list-of-ineligible-credit-cards">View a complete list of ineligible cards</a></p> <p> </p> <p><a title="Footnote 3 link" id="footnote3" class="t-track-text-link" data-aria-label="Footnote 3" href="#prb3">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 4 link" id="footnote4" href="#tier-results" data-aria-label="Footnote 4" class="return-to-tiers">4</a></sup><u><b>Business Advantage Savings accounts:</b></u><b> </b>The Preferred Rewards for Business program savings interest rate booster is only available to members who have a Business Advantage Savings account and who have enrolled in the program. The interest rate booster will be applied to your Business Advantage Savings account after program enrollment. Your enrollment in Preferred Rewards for Business will not automatically convert any other existing savings account type to a Business Advantage Savings account. If your enrollment in the program is discontinued for any reason, the interest rate booster will end.</p> <p> </p> <p><a title="Footnote 4 link" id="footnote4" class="t-track-text-link" data-aria-label="Footnote 4" href="#prb4">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 5 link" id="footnote5" href="#tier-results" data-aria-label="Footnote 5" class="return-to-tiers">5</a></sup><u><b>No Fee ATM: </b></u>The Platinum and Platinum Honors program tier members using a Bank of America debit or ATM card will not be charged the non-Bank of America ATM fee and will receive a refund of the ATM operator or network fee for withdrawals, and balance transfers (1 each per statement cycle for Platinum tier members, unlimited for Platinum Honors tier members) from non-Bank of America ATMs in the U.S. and U.S. territories.</p> <p> </p> <p><a title="Footnote 5 link" id="footnote5" class="t-track-text-link" data-aria-label="Footnote 5" href="#prb5">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 6 link" id="footnote6" href="#tier-results" data-aria-label="Footnote 6" class="return-to-tiers">6</a></sup><b><u>Business Advantage Credit Line, Term Loan, and Secured Lending Interest Rate Discounts:</u></b> Business line of credit and term loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the Preferred Rewards for Business program at the time of line of credit or term loan application for a new credit or refinanced facility (excludes specialty lending products that receive customized pricing). The amount of the discount (0.25% for Gold tier, 0.50% for Platinum tier, and 0.75% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. The benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval. Standard underwriting guidelines and credit policies apply.</p> <p> </p> <p><a title="Footnote 6 link" id="footnote6" class="t-track-text-link" data-aria-label="Footnote 6" href="#prb6">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 7 link" id="footnote7" href="#tier-results" data-aria-label="Footnote 7" class="return-to-tiers">7</a></sup><u><b>Merchant Services Processing Rate Discount (Simplified Pricing plan):</b></u></p> <p>If you: (1) are enrolled in the Preferred Rewards for Business program, (2) have a Merchant Services processing account with Bank of America that has an 8-digit Merchant ID number (“Merchant Services”), (3) are on the Simplified Pricing plan, and (4) are settling your sales processing transactions into a Bank of America business checking account, then you are eligible to receive a discount on your Merchant Services processing rate based on your tier status in the program as follows: Gold tier: 0.05%, Platinum tier: 0.07%, Platinum Honors tier: 0.10%. For example, if your regular processing rate for swiped transactions is 2.65% +$0.10, your rate at the Gold tier would be 2.60% +$0.10, at Platinum: 2.58% + $0.10, and at Platinum Honors: 2.55%+ $0.10. The processing rate discount savings will be applied as a credit on your Merchant Services account at the end of each billing cycle. To receive this benefit, your Merchant Services processing account, and the Bank of America business checking account where you are settling your sales processing transactions, must be open and you must be enrolled in Preferred Rewards for Business at the time the benefit is paid. Any pending benefits forfeit upon account closure. Your processing rate discount will be based on your Preferred Rewards for Business tier at the time the benefit is paid. Exclusions may apply based on merchant processing product. Subject to change. </p> <p> </p> <p><b><u>There are different types of Merchant Services accounts at Bank of America. If your Merchant Services account does not have an 8-digit Merchant ID number, you may be eligible to receive a separate, and different, Preferred Rewards for Business Cash Reward benefit. Details of this benefit are described below.</u></b></p> <p> </p> <p><u><b>Preferred Rewards for Business Merchant Services Cash Reward Benefit:</b></u></p> <p>If you are: (1) enrolled in the Preferred Rewards for Business program; (2) have a merchant services processing account with Bank of America that does not have an 8-digit Merchant ID number (“Merchant Services”); and (3) direct your Merchant Services settlement funds into an eligible Bank of America business checking or business savings account, then you are eligible to receive a percentage-based rewards payment that is calculated using the combination of the total amount of your monthly net merchant services processing (“Monthly Net Processing “) with Merchant Services and your tier status in the program is as follows: Gold tier: 0.05% of Monthly Net Processing, Platinum tier: 0.07% of Monthly Net Processing, Platinum Honors tier: 0.10% of Monthly Net Processing. Merchant Services accounts priced under an Interchange Plus Pricing Plan are not eligible to receive the Preferred Rewards for Business Cash Reward benefit, regardless of program tier status. Monthly Net Processing equals your total monthly sales processed by Merchant Services, minus any refunds, returns, chargebacks, or other adjustments as determined by Merchant Services. The rewards payment(s) will be deposited into the same eligible Bank of America business checking or business savings account where your Merchant Services settlement funds are deposited. The Merchant Services processing rewards payment is typically paid in the month following a Merchant Services processing statement cycle. In order to receive this reward, the Bank of America business deposit account where your Merchant Services settlement funds are directed, and your Merchant Services processing account, must be open at the time of rewards payment. Any pending rewards payments forfeit upon account closure. Exclusions may apply based on merchant processing product. The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.</p> <p> </p> <p><a title="Footnote 7 link" id="footnote7" class="t-track-text-link" data-aria-label="Footnote 7" href="#prb7">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 8 link" id="footnote8" href="#tier-results" data-aria-label="Footnote 8" class="return-to-tiers">8</a></sup><b><u>Full Service Payroll:</u></b> If you are enrolled in the Preferred Rewards for Business program and are a client who has enrolled through Bank of America to receive full service payroll services from ADP® then you are eligible to receive a credit from Bank of America to offset a portion of your payroll product services fees based on your tier status in the Preferred Rewards for Business program as follows: Gold tier: $10, Platinum tier: $15, Platinum Honors tier: $20. Only service fees for the payroll provider’s full service payroll solutions are eligible to receive a credit. In addition to the general eligibility requirements, you also must fund your payroll with an eligible Bank of America business checking or business savings account. The payroll service fee credit is typically reflected monthly as a statement credit into the same account you are using to fund payroll as long as you have processed at least one payroll transaction through the account in the last 180 days. The payroll service fee credit is typically processed in the month following the statement cycle in which the fee was assessed. For example, payroll activity in January may result in a statement credit in your March statement. In order to receive this credit, the Bank of America business deposit account where you fund your payroll must be open at the time the credit is applied. Any pending credits forfeit upon Bank of America account closure or termination of payroll service with ADP®.</p> <p> </p> <p>To be eligible for a credit, clients must have enrolled through Bank of America in one of ADP’s full-service payroll solutions (RUN Powered by ADP ® or ADP Workforce Now®) on or after December 31, 2015. Roll™ by ADP and ADP TotalSource® clients are not eligible for this benefit. Intuit QuickBooks® Online Payroll users are not eligible for this benefit. ADP, the ADP logo, RUN Powered by ADP, ADP Workforce Now, ADP TotalSource, Roll and Roll by ADP are registered trademarks of ADP, Inc., used under license. Bank of America does not deliver and is not responsible for the products, services or performance of ADP, Inc. or Intuit Inc.</p> <p> </p> <p>Intuit QuickBooks and the Intuit logo are registered trademarks of Intuit Inc., used under license. </p> <p> </p> <p>Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients’ use of their services.</p> <p> </p> <p>Internet access may be required. Internet service provider fees may apply. Other bank fees may apply. <u><a href="https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/">View the Business Schedule of Fees for details</a>.</u></p> <p> </p> <p><a title="Footnote 8 link" id="footnote8" class="t-track-text-link" data-aria-label="Footnote 8" href="#prb8">Back to content</a></p> <p> </p> <p><u><sup class="global-sup"><a title="Footnote 9 link" id="footnote9" href="#tier-results" data-aria-label="Footnote 9" class="return-to-tiers">9</a></sup><b>Business Advantage Auto Loan Interest Rate Discounts:</b></u> Preferred Rewards for Business members who apply for a Business Advantage Auto Loan 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 tier based on the applicant’s or a co-applicant’s Preferred Rewards for Business program tier at the time of loan application.</p> <p> </p> <p>The maximum Preferred Rewards interest rate discount on a Business Advantage Auto Loan is 0.50%. Business Advantage Auto Loans do not qualify for, or entitle any applicant to, a discount under the consumer Preferred Rewards program. This interest rate discount is not reflected in our published rates on our website but will be reflected in the interest rate quoted upon loan approval.</p> <p> </p> <p>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.</p> <p> </p> <p>Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply. </p> <p> </p> <p><a title="Footnote 9 link" id="footnote9" class="t-track-text-link" data-aria-label="Footnote 9" href="#prb9">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 10 link" class="return-to-tiers" id="footnote10" href="#tier-results" data-aria-label="Footnote 10">10</a></sup><b><u>Commercial Real Estate Loan Interest Rate Discounts:</u></b> Business Commercial Real Estate Loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the Preferred Rewards for Business program at the time of application for a new credit or refinanced facility (excludes specialty lending products that receive customized pricing). The amount of the discount (0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. The benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval. Standard underwriting guidelines and credit policies apply.</p> <p> </p> <p><a title="Footnote 10 link" id="footnote10" class="t-track-text-link" data-aria-label="Footnote 10" href="#prb10">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 11 link" id="footnote11" href="#tier-results" data-aria-label="Footnote 11" class="return-to-tiers">11</a></sup><b><u>Practice Solutions Client Interest Rate Discounts:</u> </b>Practice Solutions business line of credit and term loan interest rate discounts are available to business applicants and co-applicants who are enrolled in the Preferred Rewards for Business program at the time of line of credit or term loan application for a new credit or refinanced facility (excludes specialty lending products that receive customized pricing). Amount of discount (0.25% for Gold tier, 0.30% for Platinum tier, and 0.35% for Platinum Honors tier) is based on the business applicant’s or co-applicant’s eligible tier and status at the time of application. Benefit is non-transferable. The interest rate discount is a standalone benefit and in certain instances may be combined with or superseded by other promotional offers. This interest rate discount will be incorporated into final pricing upon loan approval. Standard underwriting guidelines and credit policies apply.</p> <p> </p> <p><a title="Footnote 11 link" id="footnote11" class="t-track-text-link" data-aria-label="Footnote 11" href="#prb11">Back to content</a></p> <p> </p> <p><sup class="global-sup"><a title="Footnote 12 link" id="footnote12" href="#prb12" data-aria-label="Footnote 12" class="return-to-tiers">12</a></sup><b><u>Professional Advice:</u></b> Members enrolled in the Platinum Honors tier are eligible for an annual relationship analysis with a Bank of America small business specialist. If you are a Merrill client and you have questions about the program, please call 800.MERRILL (800.637.7455) or your Merrill advisor. Enrollment in Preferred Rewards for Business is not required to receive a complimentary financial analysis.</p> <p> </p> <p>Bank of America Private Bank® and Merrill clients receive financial analysis as part of their advisor relationship.</p> <p> </p> <p>Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.</p> <p> </p> <p>Bank of America Private Bank is a division of Bank of America, N.A.</p> <p> </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 BofA Corp. 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> </p> <p><span data-nosnippet="true">Investment products are provided by MLPF&S and: </span></p> <p> </p> <div class="footer__disclosure-table"><table cellspacing="0" cellpadding="1" style="width: 100.0%;text-align: center;"> <tbody style="border: 1.0px solid;"><tr><td style="border: 1.0px solid;"><span data-nosnippet="true"><b>Are Not FDIC Insured</b></span></td> <td style="border: 1.0px solid;"><span data-nosnippet="true"><b>Are Not Bank Guaranteed</b></span></td> <td style="border: 1.0px solid;"><span data-nosnippet="true"><b>May Lose Value</b></span></td> </tr></tbody></table> </div> <p> </p> <p><a title="Footnote 12 link" id="footnote12" class="t-track-text-link" data-aria-label="Footnote 12" href="#prb12">Back to content</a></p> <p> </p> </div></div> </div> </div> </div> </div> </div> </div> </div></div> </div> <div class="aem-wrap--experience-fragment"> <div id="experience-fragment-837a8a952a" 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