Control your finances with a budget

A budget allows you to decide where you want your money to go each month. Learn how you can create a budget in six steps.

Stay on top of your finances with Bank of America’s virtual financial assistant Erica®

Erica®¹ can help you check the status of your deposits, holds, purchases, refunds and credit card transactions so you can keep your full financial picture in focus and take action when needed. It’s available 24/7 in the Mobile Banking app for anytime access.

Get a clear view of your finances

Feel more confident in your financial decisions using our Spending & Budgeting tool² to help you budget and save.

Manage your money with a checking account

A checking account offers easy access to your money and flexibility in the way you pay for your purchases. Having a Bank of America checking account can help you better manage your money and build your financial foundation over time.

Learn tools and tips for easy saving

Small steps can lead to big savings no matter what you’re saving for. Discover these tools that make saving simple and take the guesswork out of saving.

Set a short-term savings goal

Whether you’re just getting started or an experienced saver, our short-term savings calculator is an easy tool to find out how much and how long you need to save for specific goals.

Start saving today

Keep your goals in mind with a savings account so you can plan for whatever’s ahead.

Jump-start your emergency fund

Having an emergency fund can offer peace of mind. Check out these six simple steps to help you get started.

Get Balance Connect® for overdraft protection

Help avoid declined transactions, returned checks and Overdraft Item Fees³ by enrolling in Balance Connect® for overdraft protection.⁴ If you overdraw your account, available funds from up to five eligible linked backup accounts will be automatically transferred to help you cover your purchases.

How many credit cards should you have?

Some people have more than one credit card for different reasons. Learn all about the pros and cons of owning multiple credit cards and tips on managing them.

Find the right credit card for you

Bank of America offers an array of credit cards. Choose which one works best for your situation depending on your lifestyle, spending habits and financial goals.

How is my credit score calculated?

Understanding how your credit score is calculated can help prepare you to better manage your credit, make sure the information is accurate and avoid surprises when you apply for a loan.

How to improve your credit score

A higher credit score can make it easier for you to get a loan or borrow at more favorable rates. Learn about the five things you can do to help boost your credit score.

Understanding your credit limit

From building a better credit score to managing your limit responsibly, there’s a lot to learn about credit limits. Get to know how they impact your ability to spend, borrow and plan ahead.

How to improve your credit score

A higher credit score can make it easier for you to get a loan or borrow at more favorable rates. Learn about the five things you can do to help boost your credit score.

Stay on top of your finances

Erica®¹, your virtual financial assistant, can help you manage cards, monitor your accounts, receive bill reminders and more.

Keep your credit secure

Your privacy and security are a top priority for us. Visit our Security Center for tools and resources to help protect your accounts against fraud and keep your personal and financial information protected.

Working with a credit counselor

If you need help on paying multiple debts or just want financial guidance, a credit counselor may be able to help. Find out what makes a credit counselor credible and where to get recommendations.

Saving money on interest rates

A balance transfer from a credit card with a higher annual percentage rate (APR) to a card with a lower APR can save you money on the interest you’ll pay.

Lower your auto loan rate

See if you qualify for an auto refinancing to lower your monthly auto payments. Find out how much you can save with our auto refinance calculator.

Check if you’re retirement ready

Use our personal retirement calculator to estimate how much you realistically need to retire and get an action plan to help you pursue the retirement you want.

Provided by Merrill.

Explore ways to create retirement income

Whether you’re starting out saving for retirement or looking to grow your nest egg, Merrill offers investment portfolios that can help meet your income needs.

Provided by Merrill.

Learn the investing basics

Before you start investing, it’s helpful to do some homework. Explore this guide to investing basics and learn how it can help you pursue your goals, how it works and what investments might be right for you.

Provided by Merrill.

Boost your investing IQ

Ready to graduate from basic to more advanced investing? Merrill has a wealth of resources, ideas, tools and insights to help you take your investing knowledge and skills to the next level.

Provided by Merrill.

Prioritize your financial goals

Handling multiple financial goals is a challenge no matter where you are in your financial journey. Learn the four types of financial goals, how to balance your priorities and steps you can take to establish a framework for progress.

Provided by Merrill.

Put your plan into action with Bank of America Life Plan®

Ready to achieve your next milestone? Bank of America Life Plan®⁵ can help you navigate the road ahead. Get one-on-one guidance, set short- or long-term goals and make changes when necessary.

Gain insights on family financial matters

Family finances can be complicated. Get clarity with our family financial guide that contains helpful resources, articles, quizzes and insights. Explore topics ranging from teaching kids money skills to balancing the family budget to caring for parents.

Bank simply and conveniently on your schedule

Stay on top of your finances from almost anywhere with our Mobile Banking app⁶ and Online Banking.

Tips on home ownership, mortgages and home equity

Whether you’re a new homeowner, thinking of buying or looking to rent out your home, get tips on preparing to buy a home, refinancing, and more.

Tools and resources for homebuyers

Get help with starting in the right direction through every stage of the homebuying process. Check out our Home Resource Center for information on preparing your budget, finding the right home for you and more.

Get to know car-buying lingo

The car-buying process has a language all its own. Learn the key terms and how financing a car can impact your budget in this fun and informative car-buying roadmap.

Estimate your monthly car payment

Crunch the numbers with our auto loan calculator to see what you can afford. Plus, explore car loan options, loan prequalification and special interest rate rewards that can put you on the road to an affordable auto purchase.

Choose a savings option that’s right for you

Savings accounts and certificates of deposit (CDs) can both be effective ways of setting aside money for short-term goals. Read this in-depth comparison to see which option best fits your needs.

Help grow your savings with a CD

Certificates of deposit (CDs) typically earn higher interest than traditional savings accounts, but there are several kinds to choose from. Get the details on CD types to help make your decision easier.