A direct deposit cash advance from your credit card allows you to deposit cash from your personal credit card in to your personal checking account with Bank of America or another bank. You can use the cash to pay for any kind of planned or unplanned expense. You can draw up to your total credit available, less any transaction fees and the funds are often available the next business day. In some instances, it may take up to 3 business days (14 business days for new accounts). Your account may also be eligible for promotional rates on direct deposit cash advances. You can check your offers anytime by signing in to Online Banking. NOTE: If you plan to use the funds to consolidate debt, you may want to consider a balance transfer instead of a direct deposit cash advance because the standard rate applicable after a promotional period ends is typically lower for balance transfers. Your direct deposit cash advance amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges, as well as any pending purchases, advances or transfers when determining your transfer amount. For your security, all online direct deposit cash advances from your credit card require you to provide two pieces of information that you can find on your card. So you'll need the card plastic to complete your request.