Open a Checking Account Online. Convenient access to over 18,000 ATMs.

Fast and efficient banking - start with the right checking account.

Get checking with the features you need for better banking

Open your checking account¹ online with Bank of America to get:

Online Banking

Track your spending. View balances anytime on your computer or mobile phone.²
Pay bills online. Use optional Bill Pay to pay all your bills in minutes from one simple site.³

Keep the Change^® & Add It Up^® programs

Build your savings automatically with everyday purchases after enrolling in the Keep the Change^® program. We'll match your Keep the Change^® savings up to $250 per year.⁴
Earn up to 20% cash back from hundreds of your favorite online retailers - on top of available retailers' discounts - when you register and shop through the Add It Up^® program.⁵

Convenient access to ATMs

More than 18,000 ATMs across the country for quick access to your money.
Easily withdraw cash, deposit checks or transfer funds.

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Privacy & Security
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Terms and Conditions

1 Fees and terms may vary depending on the type of checking account. With the MyAccess Checking^® account, there is no monthly maintenance fee/service charge with a qualifying direct deposit to your account or if you maintain an average daily balance of $1500, during each monthly statement cycle.

2 Web access is needed to use Mobile Banking. Check with you wireless carrier for fees that may apply. Mobile Banking available to Online Banking enrollees only. All terms applicable to Online Banking apply to Mobile Banking. Must have Transfers and Bill Pay set up previously in Online Banking to use these functions in Mobile Banking. Not available with accounts in Washington and Idaho.

3 Bill Pay is referred to as Bill Payer in WA and ID

4 Purchases with rewards or ATM cards are not eligible for matching. Upon enrollment, we will round up your Mastercard^® or Visa^® Debit Card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America savings account. We will match 100% of your Keep the Change^® transfers for the first three months after you enroll. Thereafter, we will match 5% (10% for California Tiered Interest Checking customers). The maximum total match is $250 per year. Matching funds are paid annually after the anniversary of enrollment on accounts that remain open and enrolled. Bank of America will only match Keep the Change^® transfers on up to five checking accounts per depositor (including joint depositors) or up to five checking accounts per household, whichever is less. Eligible savings accounts include Regular Savings (or Market Rate Savings in WA and ID), which requires a minimum opening balance of $25 ($1 in WA and ID) and pays a variable annual percentage yield that is 0.05% as of 08/27/2010. Rates may change after the account is opened. Money Market Savings accounts are also eligible. Matching funds will be reported to the IRS on Form 1099. We may cancel or modify the Keep the Change^® service or any matching promotions at any time without prior notice. Fees may reduce earnings. Patent pending.

5 Participating retailers and offers are subject to change. You must have either a Bank of America debit card or credit card and be enrolled in Online Banking to be eligible for participation in the program. Redemption of accrued cash back rebates occurs in accordance with program Terms and Conditions, generally monthly when a minimum of $5.00 cash back has been earned. Program is not available to Online banking customers in WA or ID and select military bank customers. Select MyExpression^® credit cards, co-brand debit cards, Business credit cards and other accounts are not eligible for participation in the program. Additional restrictions apply. For complete program Terms and Conditions visit www.bankofamerica.com/additup.

Some accounts and services, and the fees that apply to them, vary from state to state. Please review the information for your state in the Personal Schedule of Fees (at www.bankofamerica.com/feesataglance or at your local Banking Center) and in the Online Banking Service Agreement at www.bankofamerica.com/serviceagreement.