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Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

Business Advantage

Open an account

Earn bonuses totaling $100 to $500 for your small business¹

This bonus offer is available with a new eligible Business Advantage Banking account² and eligible small business credit card³ from Bank of America with qualifying activities.¹

Great news! No monthly maintenance fee for first 12 statement cycles with a Business Advantage Fundamentals Banking account

What is needed to apply:

Business documentation such as filing documents, articles of organization, articles of incorporation and/or certificate of resolution
Social Security Number (SSN), Address, and Date of Birth (DOB) for all owners
Date (MM/YY) your business was established
State in which your business was formed and operates (U.S. only)
Legal business name and DBA (“doing business as”) name, if applicable
Business Tax ID (TIN) or Employer Identification Number (EIN) provided by the IRS — sole proprietorships may use SSN

Compare business checking accounts

Advantage Fundamentals™ Banking

Advantage Relationship Banking

Business Advantage Fundamentals™ Banking

Open now

Value and flexibility to help manage your small business

Business Advantage 360, our small business online banking platform, and Mobile Banking⁴ with Mobile Check Deposit⁵
Connected Apps and Cash Flow Monitor⁶ tools
Business debit cards with $0 Liability Guarantee⁷

* $16 or $0* monthly fee

Great news, there’s no monthly fee for the first 12 statement cycles. To avoid the monthly fee after that, do one of the following each statement cycle:

Maintain a $5,000 combined average monthly balance⁹
Spend at least $250 in new net purchases on your business debit card¹⁰
Starting Nov 1, 2024, the Monthly Fee can be avoided when you use your Bank of America business debit card to make at least $500 in new net qualified purchases.
Be a member of Preferred Rewards for Business¹¹

Business Advantage Relationship Banking

Open now

Premium tools for large or growing businesses

All of the features of Business Advantage Fundamentals^TM Banking plus these extra benefits:
Easy QuickBooks® integration⁸
Ability to grant and customize account access levels per employee
No fees for incoming wires, stop payments, electronic deposits and more

$29.95 or $0* monthly fee

*To avoid this monthly fee, do one of the following each statement cycle:

Maintain a $15,000 combined average monthly balance¹²
Be a member of Preferred Rewards for Business¹¹

Business Advantage Fundamentals™ Banking

Open now

Business Advantage Relationship Banking

Open now

Earn bonuses totaling $100 to $500¹

Open, make and maintain New Money* deposits into a new eligible Business Advantage Banking Account²

earn $100

By depositing $1,000 or more in New Money* within the first 30 days of opening your new eligible Bank of America® small business banking account

and

Maintaining an average balance of $1,000 or more during the Maintenance Period**

OR

earn $200

By depositing $3,000 or more in New Money* within the first 30 days of opening your new eligible Bank of America® small business banking account

and

Maintaining an average balance of $3,000 or more during the Maintenance Period**

plus

Use your new business credit card

Earn a $300 statement credit footnote 3

When you apply and get approved for an eligible Bank of America® small business credit card and spend at least $3,000 on New Net Purchases*** within the first 90 days of account opening.

1

Subject to eligibility requirements and completion of qualified activities, participants can earn either a $100 OR $200 Business Advantage Banking account bonus, AND a $300 Credit Card Statement Credit, for a maximum total bonus not to exceed $500. Participants can earn either one banking bonus only, the credit card statement credit only, or both a banking bonus and the credit card statement credit. Refer to terms and conditions below.

Eligibility: This offer is only available to business owners who receive this offer via a direct communication from a Bank of America Small Business Specialist or from a Bank of America communication. This offer is intended for new customers only; your business is not eligible for this offer if you were an owner or signer on a Bank of America Business Advantage account within the last six (6) months. Bank of America employees are not eligible for this offer. This offer is not available in a Bank of America financial center, call center or online.

Offer expires on May 31, 2025, and all qualifying activities must be completed within the stated time frames. This offer may not be combined with any other offers. You must meet the requirements of this offer to receive the bonus. Only one Business Advantage Banking account bonus ($100 or $200) and only one Credit Card statement credit ($300) offer per business owner, regardless of the number of businesses owned or operated by the customer. Bank of America may change or discontinue this offer at any time before this date without notice. Reproduction, purchase, sale, transfer, or trade of this offer is prohibited.

2

Requirements to Receive a Business Advantage Banking Cash Bonus:

To earn the $100 bonus:

Open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account by May 31, 2025; AND
Deposit $1,000 or more in New Money* directly into your new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening; AND
Maintain an average balance of $1,000 or more during the Maintenance Period** in that new Business Advantage Banking account.

To earn the $200 bonus:

Open a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account by May 31, 2025; AND
Deposit $3,000 or more in New Money* directly into your new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening; AND
Maintain an average balance of $3,000 or more during the Maintenance Period** in that new Business Advantage Banking account.

*New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts. A transfer done via ATM, online or teller, or a transfer from a Bank of America deposit account or brokerage account such as a Merrill account is not considered new money. A cash withdrawal from an existing Bank of America account and deposited into the new Business Advantage Banking account is not considered new money.

**The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.

3

Earn a $300 Credit Card Statement Credit

Requirements to Qualify for the $300 Credit Card Statement Credit:

Apply for a new, eligible small business credit card account (such as the Business Advantage Customized Cash Rewards credit card or the Business Advantage Unlimited Cash Rewards credit card) by May 31, 2025; AND
Make at least $3,000 in New Net Purchases*** with your card that post to your account within the first ninety (90) days from the small business credit card account opening.

***New Net Purchases exclude any Balance Transfers, Cash Advances, fees, returns and adjustments. Returns, credits, and adjustments to this card will be deducted from purchases, even if this card was not the original payment method. This one-time promotion is limited to customers opening a new account in response to this offer and will not apply to requests to convert existing accounts. Your account must be open with active charging privileges in order to receive this offer. Other advertised promotional offers can vary from this promotion and may not be substituted. The statement credit will be applied to the company’s business card account. One $300 statement credit allowed per company. Once you qualify, you will receive your statement credit within your next 1 to 2 billing cycles. Receipt of a statement credit does not affect your responsibility to pay your Minimum Payment Due shown on each statement you receive from us.

Additional Terms:

By starting your digital application, you authorize Bank of America, N.A. to contact you to discuss your application and our small business products and services. To learn more about the information we collect and how we use it, please visit www.bankofamerica.com/privacy. California residents may have additional rights and you can learn more at www.bankofamerica.com/ccpa-notice.

All account applications are subject to approval. Your account does not qualify for the bonus until you provide all of the information, we require in connection with opening the account by the promotion end date May 31, 2025. This includes information we require to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.

Please consult a financial center, visit bankofamerica.com, or see the Business Schedule of Fees found at bankofamerica.com/businessfeesataglance for other account fees, rates, and information.

After you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America Business Advantage Banking account within sixty (60) days. The Bank of America Business Advantage Banking account must be open and in good standing up to and including the date any earned bonus is paid.

4

Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

5

Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Menu > Help > Browse More Topics > Mobile Check Deposit for details and other terms and conditions. Message and data rates may apply.

6

CFM & CA You must be enrolled in Business Advantage 360, our small business online banking, or Mobile Banking to use Cash Flow Monitor and Connected Apps, and have an eligible Bank of America® small business deposit account. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

When you use Cash Flow Monitor and Connected Apps to access services or information from third parties (“Third-Party Account Information”), you will be subject to any terms and conditions established by those third parties, in addition to the Cash Flow Monitor and Connected Apps Terms and Conditions. Bank of America, N.A. provides access to third-party websites and Third-Party Account Information only as a convenience, and is not responsible for, does not guarantee or endorse the services offered, and does not monitor or review such information for accuracy, completeness or otherwise. Information displayed through Cash Flow Monitor and Connected Apps may be more up-to-date when obtained directly from relevant third-party web sites. Neither Bank of America, its affiliates, nor their employees provide legal, accounting and tax advice.

Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services. All third party trademarks, service marks, trade names and logos referenced in this material are the property of their respective owners. Bank of America does not deliver and is not responsible for the products, services or performance of any third party.

7

Our $0 Liability Guarantee means that you're not liable for unauthorized transactions made using your small business debit card, as long as you report them promptly. Notify us within a reasonable time of the unauthorized use or the loss or theft of the card, card number, or PIN, and don't share personal or account information with anyone. Certain restrictions apply. Consult the account documents for details.

8

QuickBooks and the QuickBooks logo are registered trademarks of Intuit, Inc., used under license. Bank of America does not deliver and is not responsible for the products, services or performance of Intuit, Inc. Internet access may be required. Internet service provider fees may apply. Other bank fees may apply. See the Business Schedule of Fees available at bankofamerica.com/businessfeesataglance for details. Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services.

9

You may ask us to link Business Economy Checking, Business Interest Checking, Business Advantage Savings, Business Investment Account, and Business CD’s.

10

Spend $250 or more in new net purchases each statement/billing cycle using a linked Bank of America business debit card. Purchases must post to that card account to qualify. Purchases must be made on only one of the debit accounts; purchases on any combination of debit cards cannot be aggregated to reach the monthly spend. See Business Schedule of Fees at bankofamerica.com/businessfeesataglance for an explanation of how the monthly fee waiver is applied and how the card spend is determined.

11

The Preferred Rewards for Business program is only available to Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business clients. Other categories of clients, such as those commonly referred to as Business Banking, Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three calendar month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements. Additional program information is available at: Preferred Rewards for Business.

12

You may ask us to link the one extra Business Advantage Relationship Banking account that can be included for no additional Monthly Fee with your solution, Business Economy Checking, Business Interest Checking, Business Advantage Savings, Business Investment Account and Business CD accounts.

Credit card programs are issued and administered by Bank of America, N.A.

Deposit products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Business Advantage Fundamentals is a trademark, and Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

MAP7223630

Earn bonuses totaling $100 to $500 for your small business1

What is needed to apply:

Compare business checking accounts

Business Advantage Fundamentals™ Banking

Business Advantage Relationship Banking

Business Advantage Fundamentals™ Banking

Business Advantage Relationship Banking

Earn bonuses totaling $100 to $5001

Open, make and maintain New Money* deposits into a new eligible Business Advantage Banking Account2

Use your new business credit card

Earn bonuses totaling $100 to $500 for your small business¹

Earn bonuses totaling $100 to $500¹

Open, make and maintain New Money* deposits into a new eligible Business Advantage Banking Account²