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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.

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

En español

Products & Services Powerful solutions for your financial needs

Bank of America has a variety of financial products and services to help with your financial journey, including access to investing through Merrill.

Safebalance Banking®
Debit Cards
Advantage Savings
Credit Cards for Students
Investing with Merrill
Rewards

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Bank of America Advantage SafeBalance®

SafeBalance Banking® is a smart choice for students and young adults, with no monthly maintenance fee for SafeBalance Banking® accounts with an owner under 25.¹

Enjoy the convenience of a debit card

Bank of America’s debit card is tap to pay enabled and made from 80% recycled plastic. Using a contactless debit card or your digital wallet is an easy, fast and secure way to pay for things like school supplies or filling up the gas tank.

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Bank of America Advantage Savings

Between tuition and textbooks, putting aside extra cash can be hard. Advantage Savings can help. Account owners under age 25¹ pay no monthly maintenance fee. If you also have a checking account with us, you can enroll in Keep the Change® for another easy way to save.²

Credit cards for students

When handled responsibly, a credit card can be a great step toward financial success.

Explore card options

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Students can invest with Merrill

Merrill and Bank of America accounts can be connected to provide intuitive tools and certain relationship rewards to help empower financial futures.³

Learn about investing

Get Rewarded

When you bank with Bank of America and invest with Merrill, you can get rewarded around the ways you save, spend, and borrow. It's how we show our appreciation.⁴

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Bank with ease, from almost anywhere

The Bank of America Mobile Banking app⁵ is packed with features to help manage accounts all in one place.

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Terms and Conditions

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Terms and Conditions

1

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.

2

Upon enrollment, we will round up your Mastercard® or Visa® debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America® savings account. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for Small Business debit cards.

3

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

4

You must be enrolled in Online Banking or Mobile Banking to participate in the Partner Rewards program and have either an eligible Bank of America® debit or credit card, Merrill branded credit card or Bank of America® Private Bank branded credit card. You must enroll in the Partner Rewards program. If you choose to receive a merchant reward on an eligible debit or credit card product, the merchant reward will replace the Bank of America rewards you would typically receive on that product, if applicable, for purchases with that merchant. For instance, you would no longer receive base rewards and bonus rewards such as Preferred Rewards and Customer bonuses on purchases with that merchant. You can update your Partner Rewards program choice once per calendar month. For more information, please read the Program Terms and Conditions.

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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