Start banking and building your financial confidence


Whether you want to build your savings, manage debt or boost your credit score, banking can help you improve your financial well-being. And we’re here to support you every step of the way.

What can the right bank account do for you?

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FDIC protection

The money in your checking account is FDIC insured, meaning it is backed by the government up to the maximum coverage amount.

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$0 Liability Guarantee1

You’re not liable for unauthorized transactions made using your Bank of America debit card when reported promptly.

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Easy access to your money

Use a debit card at thousands of ATMs and enjoy same day access to paycheck deposits with direct deposit.

Convenient tools

Convenient tools

Access easy-to-use digital tools for budgeting,2 mobile check deposits,3 account alerts4 and more.

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Help keep your money secure

Misplaced your card? Put a temporary lock on it and unlock it when you find it.5

Take control of your financial life

Explore products, solutions and services designed to help simplify your everyday finances and build a financial foundation.

Bank of America Advantage SafeBalance Banking®

Ready to start banking? This account may be a good option for you. We'll waive the $4.95 monthly maintenance fee for each statement cycle if you meet one of the following: you’re under the age of 25,6 you maintain a minimum daily balance of $500 in your account or are a member of the Preferred Rewards Program.7 Here’s what you need to get started:

  • Name, date of birth, Social Security/Individual Tax ID number (all applicants)
  • Phone number and email address
  • Physical U.S. address (no PO boxes)

Get started

Manage short-term needs with Balance Assist®

This short-term low-cost loan for checking account customers can help you with unexpected expenses. Apply to borrow up to $500 when you need it, for only a low flat fee.8 A SafeBalance Banking® account is not eligible for Balance Assist®.

Check eligibility

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Even more products and resources

Make an appointment to talk with us about which solutions might be right for you.

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Center for Business Empowerment

Whether you’re launching a new business or running an established one, find educational resources to move your business forward on the Center for Business Empowerment.

Explore now
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Affordable home loans

Bank of America’s Community Homeownership Commitment® brings together products and resources that can help modest-income borrowers buy homes of their own.

Learn more
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Balance Connect® for overdraft protection

Get help covering your payments and purchases — and helping avoid overdrafts — by automatically transferring available money from your linked eligible backup account(s).9

See how
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Credit card to build credit

With one of these simple and convenient credit cards, you can help establish, strengthen or rebuild your credit. You can apply to open an account with a minimum security deposit of $200.10

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We’re here to help

Come talk with our associates who can help answer questions about what matters most to you.

Schedule an appointment
J.D. Power badge for 2024 Certified Financial Health Support – Banking & Payments

Bank of America® has been recognized for Outstanding Customer Satisfaction with Financial Health Support – Banking & Payments for three years in a row by J.D. Power.