See more details at Bank of America's offer page. And see more bonus options at NerdWallet's list of best bank bonuses. It offers a potentially useful Keep The Change program, which rounds up debit card transactions from your linked Bank of America checking account to the nearest dollar and transfers the difference to your savings account.
You can use NerdWallet's rates tool to compare CD rates at other institutions. The annual percentage yield is a flat rate of 0. Check out our list of the highest CD rates. Bank of America shines with an easy online banking experience and digital tools. The website design is straightforward, and information about fees and rates is relatively easy to find. Its mobile app lets you deposit checks, pay bills, send money, monitor account activity and balances and use its virtual assistant, Erica.
What's the advantage? Customize your account to fit your needs and experience our full scope of services Customize your account to fit your needs and experience our full scope of services Customize your account to fit your needs and experience our full scope of services.
Easy, anytime access Easy, anytime access Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, Footnote 6 your virtual banking assistant. Smart money management tools Smart money management tools Set custom alerts Footnote 10 and savings goals. Be enrolled in Preferred Rewards Footnote 1. Footnote 2. Footnote 4 This determines how we handle transactions when you have insufficient funds. Yes You can link an eligible Bank of America account to cover transactions that exceed your account balance.
Transactions will be declined or returned unpaid when they exceed your balance. Fee waiver only applies for the first 4 checking accounts. Visit the Preferred Rewards page for a list of no-fee banking services.
Students under age 24 are eligible for a waiver of the monthly maintenance fee for the Advantage SafeBalance Banking and the Advantage Plus Banking setting while enrolled in a high school or in a college, university or vocational program. Rates may change at any time without prior notice.
Fees could reduce earnings on the account. 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.
Please refer to your Personal Schedule of Fees for more information. 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. Please refer to you Personal Schedule of Fees for more information. Compare layer. Here's what you'll get with each account setting , closed.
Here's what you'll get with each account setting. Mobile deposits Footnote 17 Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app. Better budgeting You can see the big picture with our interactive Spending and Budgeting tool. Debit card controls Footnote 9 Lock a missing card quickly and easily to prevent unauthorized use. Custom alerts Know now and react fast to important account changes.
Fast, secure sign-in Need to access your account quickly? Open your account now layer. The student advantage. Learn more about student banking. Student waivers for Advantage SafeBalance and Advantage Plus Students under age 24 are eligible for a waiver of the monthly maintenance fee for the Advantage SafeBalance and the Advantage Plus setting while enrolled in a high school, college, university or vocational program.
Looking for more? Expand all panels Expand all panels Collapse all panels. You are using an unsupported browser version. Learn more or update your browser. Bank Accounts. Find the bank accounts you need to pursue your financial goals Find the bank accounts you need to pursue your financial goals. Advantage Banking Account. You might be using an unsupported or outdated browser.
To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Bank of America also offers Standard Term CDs, which allow you to choose any term from 28 days to 10 years.
Rates are accurate as of Oct. Many other banks pay higher APYs while requiring a lower minimum deposit, or no minimum at all. For example, it offers a seven-month CD, whereas a six-month term is more common. Instead of a month CD, it offers a month CD. You can also choose to have interest disbursed at maturity or at certain intervals.
For CD terms of 12 to 60 months, the early withdrawal penalty is days of interest on the amount withdrawn. You can find a better deal on CD rates than what Bank of America offers. This is an excellent reminder to shop around and do your research on CD rates. Your bank or banks in your immediate geographic area may not have the best CD rates, so consider online options as well. Compare rates from several banks and credit unions and see who can offer you the best deal so you can get the highest possible return on your investment.
It offers 4, financial centers nationwide, an online banking platform and a highly rated mobile app. Bank of America provides personal, business and commercial banking products and services. If you want a safe place to keep your savings, one option is a savings account.
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