Build your financial freedom and security

Bank of America offers empowering and simplified financial solutions and services to help you bank confidently while building your financial security. With products designed to help simplify finances, build or strengthen credit, and improve access to funds when you need them, you can embrace new opportunities to achieve more in your financial life.

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Bank of America Advantage SafeBalance Banking®

Simple banking with an easy-to-use experience

  • Digital banking in the palm of your hand — no paper check writing available with this account
  • Helps keep you from spending more than you have1 — no overdraft fees
  • Peace of mind with our $0 Liability Guarantee2
  • We'll waive the $4.95 monthly maintenance fee on this account with an owner under the age of 253 or when you maintain a minimum daily balance of $500 in your account or when you are enrolled in Preferred Rewards.4

Balance Assist®

Help manage unexpected expenses with this new short-term, low-cost loan. Apply to borrow up to $500 when you need it, for only a low flat fee. You must have had a qualified Bank of America checking account for at least one year before applying.5 (A SafeBalance® account does not qualify).

  • Quick and easy online application
  • Access to money within minutes, if approved
  • Pay only a $5 fee6

Balance Assist® is available online or in the Mobile Banking app.

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Man using Laptop

Balance Connect®

Balance Connect® for overdraft protection7 helps you cover your payments and purchases — and helps avoid overdrafts — by automatically transferring available money from your linked eligible backup account(s).

  • Enroll and manage your preferences easily in the Mobile Banking app8 or Online Banking.
  • Link up to 5 eligible Bank of America® accounts, such as another checking account, a savings account or a credit card.
  • No cost to enroll, and no transfer fees. Interest charges may apply.9

Secured Card

With this simple and convenient credit card, 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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Affordable home loans

Bank of America’s Community Homeownership Commitment® is bringing together products and resources that can help modest-income borrowers buy homes of their own. By combining down payment assistance and closing cost help with a low down payment mortgage, you may find that a new home is within reach.11

Keep the Change® savings program

Keep the Change® is an easy way to make everyday purchases part of your savings plan. Purchases made with a Bank of America debit card are rounded up to the nearest dollar amount, and the difference is transferred from your checking to your savings account.12

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Powerful and convenient resources

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Mobile Banking app

Get secure 24/7 access to help stay on track of account activity. Transfer money between your accounts13, pay bills and set up security alerts14. Use Erica®15, your virtual financial assistant, to help you stay on top of your finances and help you track your spending.

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Better Money Habits®

This free financial education platform provides a simple, accessible way to connect you to the articles, videos, tips and tools you need to take control of your finances.