Manage your money with the right checking account

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

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.

Get a clear view of your finances

Feel more confident in your financial decisions using our Spending & Budgeting tool¹ to help you budget and save.

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

Erica®² 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 also available 24/7 in the Mobile Banking app for anytime access.

Start saving today

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

Build your savings automatically

An easy way to save every time you spend is to enroll in our Keep the Change® program³. Round up everyday purchases with your Bank of America debit card to the nearest dollar; the change is then deposited into your savings.

Earn cash back on deals you choose

Boost your savings by earning cash back on purchases you make using your eligible Bank of America® debit or credit card and depositing it back into your savings account. With BankAmeriDeals®⁴, you get to choose your deals at your favorite stores, restaurants and more.

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.

Manage your accounts with transfers

If one of your accounts is running low, you can transfer money between accounts⁵ with minimal hassle using the Bank of America Mobile Banking app. Prepare yourself and set it up today.

Get Balance Connect® for overdraft protection

Help avoid declined transactions, returned checks and overdraft fees by enrolling in Balance Connect® for overdraft protection⁶. 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.

Know your FICO® Score

Getting familiar with your FICO® Score⁷ allows you to know your borrowing potential for when you need a loan. As a Bank of America credit card holder, you can check it monthly for free without negative impacts, compare your score to national averages and more.

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.

Paying your credit card bill on time

Help build your credit by scheduling payments and avoiding late fees with the Bank of America Mobile Banking app⁸. Get started.

What’s in a credit report and why does it matter?

Knowing what’s in your credit report prepares you to better manage your credit, make sure the information is accurate and avoid surprises when you apply for a loan. Learn how a credit report can help over time.

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.

Paying your credit card bill on time

Help build your credit by scheduling payments and avoiding late fees with the Bank of America Mobile Banking app⁸.

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.

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.

Saving money on interest rates

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

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.

Retirement planning

Whether you’re just starting out saving for retirement or are looking to generate retirement income, Merrill offers a variety of tools and resources to meet you wherever you’re at in your journey.

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Find your investing style

Learn about the three different ways you can start investing and which approach might work best for you in this video from Merrill.

Open an investing account

Interested in investing but not sure where to start? Merrill can help you choose an account for your investing style so you can invest with confidence, convenience and control.

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Connect with a dedicated advisor

Want a more personalized investing approach? You can get one-on-one guidance with a Merrill advisor to discuss your financial needs and get help finding the right solutions for you.

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What is asset allocation?

If you’re looking to add something new to your portfolio, asset allocation is an investment strategy designed to help reduce risk in your investment portfolio while helping you stay on track to meet your investing goals. Be sure you’re aware of tax implications and get answers to your key questions in this essential guide from Merrill.

Read more at MerrillEdge.com.

Strategies to achieve financial goals

Putting your future at the forefront starts with setting reasonable expectations. Learn how you can improve your financial health by diving into four realistic financial goals.

Prioritize your financial goals

Ready to achieve your next milestone? Bank of America Life Plan®⁹ can help you navigate the road ahead. Get one-on-one guidance, set short- or long-term goals and make changes when necessary.

Saving for your family

Have more than one savings goal? Learn how you can balance your family’s saving priorities and build a plan that covers your family’s needs while allowing for vacations and other fun stuff.

Pay bills automatically

When you have multiple bills, consolidating them in a single place can help make things easier. Pay bills in a single place or add payees to pay almost anyone using Bill Pay¹⁰ on our Mobile Banking App or Online Banking.

Prepare with a College Savings plan

Help your young ones save for college by starting early and setting up an education account that works best for you.

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How much should I save for college?

Get an estimate on how much to save for college using our College Planning Calculator.

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Tools and resources for homebuyers

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

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.

Short-term savings calculator

Make your short-term savings goals a reality by finding out how much you need to save per month and how long it’ll take for you to reach your goals. Get an estimate with our short-term savings calculator.

Juggling multiple financial goals

Saving for more than one goal at a time? Learn how you can best allocate your savings.

Prioritize your financial goals

Whatever your money goals, Bank of America Life Plan® can help. Get one-on-one guidance, set short- or long-term goals and make changes when necessary.