Banks that have free checking and savings

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Which is best for you?

SafeBalance®

Checkless banking 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

Bank of America Advantage SafeBalance Banking®

Checkless banking with flexible ways to pay

$XXXX or $0

Avoid the monthly fee

We’ll waive the monthly maintenance fee each statement cycle that you:

• Are an owner of this account who qualifies as a Student under age 25 enrolled in school or an educational or vocational program

OR

• Are an owner of this account under age 18

OR

• Are enrolled in Preferred Rewards (applies to first 4 checking accounts)

OR

Bank of America Advantage Plus Banking®

Everyday banking with more ways to waive the monthly fee

$XXXX or $0

Avoid the monthly fee

We'll waive the $XXXX monthly fee each statement cycle that you:

• Have at least one qualifying direct deposit of $XXXX+

OR

• Maintain a $XXXX minimum daily balance

OR

• Are enrolled in Preferred Rewards (applies to first 4 checking accounts)

OR

Bank of America Advantage Relationship Banking®

Perks for higher balances, like fee waivers and interest

$XXXX or $0

Avoid the monthly fee

We'll waive the $XXXX monthly fee each statement cycle that you:

• Maintain a combined balance of $XXXX in eligible linked accounts. Learn about combined balances

OR

• Are enrolled in Preferred Rewards (applies to first 4 checking accounts)

OR

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.

What is a checking account?

A checking account is a type of deposit account that enables you to deposit and withdraw available funds on demand, typically by writing a check or using a debit card. Checking accounts are sometimes interest-bearing.

SafeBalance®

Checkless banking 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

Bank of America Advantage SafeBalance Banking®

About SafeBalance®:

• A smart start for students – no monthly fee for Students under 25
• Helps keep you from spending more than you have — no overdraft fees
• Sole ownership for ages 16+

$XXXX or $0 monthly fee

We'll waive the monthly maintenance fee each statement cycle that you:

Are an owner of this account under age 25 and qualify as a Student

OR

Are an owner of this account under age 18

OR

Are enrolled in Preferred Rewards

To view all fees see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.

Bank of America Advantage SafeBalance Banking®

About SafeBalance®:

• A smart start for students – no monthly fee for Students under 25
• Helps keep you from spending more than you have — no overdraft fees
• Sole ownership for ages 16+

$XXXX or $0 monthly fee

We'll waive the monthly maintenance fee each statement cycle that you:

Are an owner of this account under age 25 and qualify as a Student

OR

Are an owner of this account under age 18

OR

Are enrolled in Preferred Rewards

To view all fees see the Personal Schedule of Fees. You can also refer to our Clarity Statement for additional information.

Bank of America Advantage Plus Banking®

About Advantage Plus:

• Multiple ways to waive the monthly fee
• Option to set up Balance Connect® for overdraft protection
• Option to buy paper checks

Bank of America Advantage Plus Banking®

About Advantage Plus:

• Multiple ways to waive the monthly fee
• Option to set up Balance Connect® for overdraft protection
• Option to buy paper checks

Bank of America Advantage Relationship Banking®

About Advantage Relationship:

• No fees on select services and additional accounts
• Earns interest See rates
• Option to set up Balance Connect® for overdraft protection
• Paper checks available (no charge or discounted depending on check style)

Bank of America Advantage Relationship Banking®

About Advantage Relationship:

• No fees on select services and additional accounts
• Earns interest See rates
• Option to set up Balance Connect® for overdraft protection
• Paper checks available (no charge or discounted depending on check style)

Which is best for you?

Easy, anytime access

Easy, anytime access

Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, your virtual banking assistant.

Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, your virtual banking assistant.

Visit us at thousands of financial centers and ATMs or have a quick chat with Erica, your virtual banking assistant.

Convenient ways to pay

24/7 security

Use your debit card, a digital wallet, or pay friends securely with Zelle® right from your phone.

Total Security Protection® and fraud monitoring. Safer login, card locking features and more.

Total Security Protection® and fraud monitoring. Safer login, card locking features and more.

24/7 security

Convenient ways to pay

Total Security Protection® and fraud monitoring. Safer login, card locking features and more.

Use your debit card, a digital wallet, or pay friends securely with Zelle® right from your phone.

Use your debit card, a digital wallet, or pay friends securely with Zelle® right from your phone.

Smart money management tools

Smart money management tools

Set custom alerts and savings goals. Get cash back deals and rewards customized for you.

Set custom alerts and savings goals. Get cash back deals and rewards customized for you.

Set custom alerts and savings goals. Get cash back deals and rewards customized for you.

Here's what you'll get with each account setting

Our $0 Liability Guarantee 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.

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.

You can see the big picture with our interactive Spending and Budgeting tool. Track your habits and set up budgets to take more control over your money.

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.

Know now and react fast to important account changes. You can set custom alerts via email or text for things like a low balance, a pending deposit, an upcoming bill and more.

Need to access your account quickly? Log in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device.

Here's what you'll get with each account setting

Our $0 Liability Guarantee 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.

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.

You can see the big picture with our interactive Spending and Budgeting tool. Track your habits and set up budgets to take more control over your money.

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.

Know now and react fast to important account changes. You can set custom alerts via email or text for things like a low balance, a pending deposit, an upcoming bill and more.

Need to access your account quickly? Log in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device.

The student advantage

We remember what it's like just starting out. That's why there is no monthly maintenance fee for Students under 25.

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.

Please refer to your Personal Schedule of Fees for details.

Looking for more?

Change your mind? No problem. Call us or come in to switch settings.

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