Build your financial freedom and security

Bank of America offers empowering, simplified and safe 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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An account designed to help you spend only the money you have available:

  • Flexible ways to pay using your debit card, digital wallet, and Mobile Banking1
  • Helps keep you from spending more than you have and no overdraft fees2
  • Monthly maintenance fee waived for eligible Students under 253

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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.

  • Quick and easy online application
  • Access to money within minutes, if approved
  • Pay only a $5 fee4

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

Man using Laptop

Balance Connect™

Balance Connect™ for overdraft protection5 helps you cover your payments and purchases — and avoid overdrafts — by automatically transferring available money from your linked backup account(s).

  • Enroll and manage your preferences easily in the Mobile Banking app1 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. Pay one $12 Overdraft Protection Transfer Fee6 on days this service is used- no matter how many transactions are covered or how many backup accounts are used. The Overdraft Protection Transfer Fee is waived for Bank of America Preferred Rewards and Preferred Rewards for Business members, and may also be waived based on the checking account you own.7
  • We’re making changes to overdraft services in 2022. Find out more

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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 $300.8

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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.9

Debit card being used

Keep the Change® savings program

Keep the Change® can help you build savings automatically when you make everyday purchases. 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.10

Powerful and convenient resources

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Mobile Banking app

Get secure 24/7 access to stay on track of account activity. Transfer money between your accounts11, pay bills and set up security alerts12. Use Erica®13, 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.