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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.

En español

Overview
Banking Basics
Spending & Saving
Credit & Borrowing
Products & Services
- Overview
- SafeBalance® Banking

En español

We’re here for you, every step of the way

Banking with Bank of America and investing with Merrill can help students and young adults on their journey to financial independence.

A variety of resources for all learners

Whether you’re learning the basics or growing wealth, we've got educational resources, financial guidance, banking solutions and digital tools to help support successful money management.

Learn banking essentials

Build your financial foundation or refresh your knowledge with useful tips. Here are some ways we can help you:

Understand the benefits of a checking account
Discover how to open an account, use mobile banking and stay smart about security
Learn the differences between debit and credit

Learn about banking

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Smart spending and saving

Get set up for success by developing good money management skills. Find out how to:

Plan a realistic budget
Manage cash flows
Help money grow even more

Build credit and borrow responsibly

Take financial responsibility a step further with information on borrowing money:

See why credit scores are important
Learn about credit cards and debt
Get tips for taking out loans

Take the next step

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Powerful digital tools

With our easy-to-use Mobile app and Online Banking, get access to a variety of financial tools. Here are a few ways that may help:

Set up alerts for low balances and unusual activity.¹
Add your debit card to your digital wallet.
Meet Erica® your virtual financial assistant.²

Discover our products

Bank of America has checking accounts, savings accounts and credit cards, while Merrill has investing accounts - all to help you reach your financial goals.

See Products & Services

Learn more about Bank of America Advantage SafeBalance Banking

Bank of America Advantage SafeBalance Banking®

Gain access to thousands of ATMs and financial centers. Plus, no monthly maintenance fee for SafeBalance Banking® accounts with an owner under 25.³

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Explore savings accounts to help funds grow

Make progress toward your financial future with savings accounts to help get ahead.

See savings accounts.

Check out credit card options

Get a credit card that’s designed for real life

Compare credit card options for students and start building credit responsibly.

Check out credit card options.

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Learn about investing with Merrill

Investing in your future can be a great way to help your money work harder. Get intuitive tools, investment insights and guidance to help empower financial futures.⁴

Get started with the Mobile Banking app.⁵

Download the app today. It's simple and convenient.

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Message and data rates may apply.

Terms and Conditions

Message and data rates may apply.

Terms and Conditions

1

You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier’s message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

2

The mobile feature, Erica, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance.

3

Bank of America Advantage SafeBalance Banking® is a checkless account where we will waive the $4.95 monthly maintenance fee each statement cycle you meet one of the following requirements:  an owner of this account is under the age of 25, maintain a minimum daily balance of $500 in this account, or are enrolled in Preferred Rewards.  Please refer to your Personal Schedule of Fees for fees and other services. Fiduciary titled accounts, including UTMA / UGMA, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee.

4

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Investment products are provided by MLPF&S and:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

5

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

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