Bank of America Sign in Show/Hide Menu related links Bank of America Advantage Banking Welcome to the future of banking A lifetime of changes. Just one checking account. Get started layer Here's how it works Bank of America Advantage Banking is a checking account layer with three settings. Pick the one that works. If life changes, just switch it up. Advantage SafeBalance All the essentials with flexible ways to pay Advantage Plus Everyday banking with more ways to waive the monthly fee Advantage Relationship Perks for higher balances, like fee waivers and interest Which is best for you? Compare your options layer Let us help you find your fit What's the advantage? Customize your account to fit your needs and experience our full scope of services Easy, anytime access Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, Footnote 7 your virtual banking assistant. 24/7 security Total Security Protection® and fraud monitoring. Safer sign-in, Footnote 9 card locking features Footnote 10 and more. Convenient ways to pay Use your debit card, a digital wallet, or pay friends securely with Zelle® Footnote 8 right from your phone. Smart money management tools Set custom alerts Footnote 11 and savings goals. Footnote 12 Get cash back deals and rewards customized for you. layer Here's what you'll get with each account setting Fraud protection Our $0 Liability Guarantee Footnote 17 credits fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen. Mobile deposits Footnote 18 Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app. Don't worry: Check images are stored securely at the bank and never on your device. Better budgeting You can see the big picture with our interactive Spending and Budgeting tool. Footnote 12 Track your habits and set up budgets to take more control over your money. Debit card controls Footnote 10 Lock a missing card quickly and easily to prevent unauthorized use. Need your new card fast? Request a digital card through our mobile app. Cards can be added to a digital wallet for use at stores, cardless ATMs and more. Custom alerts Know now and react fast to important account changes. You can set custom alerts Footnote 11 via email or text for things like a low balance, a pending deposit, an upcoming bill and more. Fast, secure sign-in Need to access your account quickly? Sign in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device. Footnote 9 Open your account now layer The student advantage We remember what it's like just starting out. That's why we waive our monthly maintenance fee for Students under 25. Footnote 1 Learn more about student banking Looking for more? Expand all panels Top Checking FAQs , closed Learn smart money management , closed Other accounts & resources , closed More ways to save , closed Let's get started Open your account now layer Change your mind? No problem. Call us or come in to switch settings. Information for: ZIP code Go Contact us Schedule an appointment Phone number: 844.375.7028 Important Disclosures and Information How to qualify as a Student: For Bank of America Advantage SafeBalance Banking and Bank of America Advantage Plus Banking, when you notify us an owner of one or more of these accounts is a Student, we will waive the monthly maintenance fee on such account(s) for each statement cycle during which such owner of the account qualifies as a Student. A Student is defined as an account owner who is both enrolled in school or an educational or vocational program and under 25 years old. Effective February 18, 2022 the student waiver will no longer be available to be applied to an Advantage Plus account. Please refer to your Personal Schedule of Fees for details. Fiduciary titled accounts, including UTMA / UGMA do not qualify for the under the age of 18 or the Student waiver. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal and then add a tip. In this situation, the full payment may go through and result in a negative balance on your account, but we will not charge you an overdraft fee. Fee waiver only applies for the first 4 checking accounts. Visit the Preferred Rewards page for a list of no-fee banking services. Balance Connect™ for overdraft protection requires enrollment and allows you to link of up to 5 eligible backup accounts. Fees may apply. Please refer to your Personal Schedule of Fees for more information. Our optional Balance Connect™ for overdraft protection service can help you avoid overdrafts and declined or returned items. While fees apply when you use Balance Connect™, these fees may be less expensive than the fees for overdrafts and declined or returned items. When you enroll your eligible checking account in Balance Connect™ you can link up to 5 eligible checking, savings, credit card and/or line of credit account(s) as linked backup accounts. When you do not have enough funds in your checking account to pay for an item, available funds are automatically transferred from the linked back up account(s) to cover your transactions. Fees may apply. Please refer to you Personal Schedule of Fees for more information. For Advantage Plus accounts with a Student waiver applied prior to February 18, 2022 this monthly maintenance fee waiver will apply until the Student turns 25, ceases to be an owner of the account, or notifies us that they are no longer enrolled in school or an educational or vocational program. Excess transaction fees, as applicable, and transaction limits still apply to savings accounts. Please see Personal Schedule of Fees for more information. The mobile feature, Erica, is only available in the English language. This feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Zelle and Zelle-related marks are wholly owned by EWS, LLC and are used herein under license. Transfers require enrollment in the service and must be made from a Bank of America consumer deposit account to a domestic bank account or a debit card. Recipients have 14 days to register to receive money or the transfer will be cancelled. Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Online Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply. Zelle is intended for sending money to family, friends and people with whom you are familiar. We recommend that you do not use Zelle to send money to persons that you do not know. Certain devices are eligible for enrollment in Touch ID®, Face ID® or fingerprint sign-in. If eligible, you will have the option to enroll by following the prompts within the Mobile Banking app. If you store multiple fingerprints on your device including those of additional persons, those persons will also be able to access your Bank of America Mobile Banking app via fingerprint, including the ability to access a call center, when Touch ID or fingerprint is enabled. Data connection required. Wireless carrier fees may apply. When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply. You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage. The Spending & Budgeting tool is currently available in Online banking and Mobile banking (Android & iPhone only) for customers with checking or savings accounts. Annual Percentage Yield is accurate as of 11/24/2021. Applicable only to Bank of America Relationship Banking™, which is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account. The minimum opening deposit for this account is $100. The Deposit Agreement and Disclosures provides details about transaction processing and posting. They also explain how and when overdrafts may be paid, and how and when overdraft and returned item fees will be assessed with either overdraft setting. We'll charge this fee for each item over $1 that we authorize and pay, including recurring debit card payments. However, we won't charge this fee if your account balance is overdrawn by $1 or less. No more than 4 Overdraft or Returned Item fees are charged per day. We'll charge this fee for each item over $1 that we decline or return unpaid. One-time or recurring declined debit card payments aren't charged this fee. No more than 4 Overdraft or Returned Item fees are charged per day. The $0 Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer debit cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. Access to funds next business day in most cases, pending resolution of claim. Consult customer and account agreements for full details. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Deposit Checks, then Help for details and other terms and conditions. Message and data rates may apply. 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