Open a checking account online with no deposit

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Find the bank accountsyou need to pursueyour financial goalsFind the bank accounts you needto pursue your financial goals

Choose the best account for you and enjoy Online Banking, Mobile Banking, a debit card with Total Security Protection® - and much more. Apply today in minutes and get a bank account that works for you.

Whether you're a new or experienced saver or looking to save for a child's future, you can enjoy a wide-range of benefits that help you to grow your savings account. As your account balance grows your interest rate may increase too. See today's rates and start saving for the future.

Maybe it's a down payment for a home, a family vacation or a place to grow a nest egg. Whatever your savings goals, we have the CDs to help you. Easily open an account and start saving today.

Choose from FDIC insured Bank of America IRAs, or open a brokerage IRA from Merrill Edge® and start pursuing the retirement you want.

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Why choose Bank of America

Why choose Bank of America

Earn more. Save more.

Get cash back with BankAmeriDeals® or round up the savings with Keep the Change®. Start saving more today!

Preferred Rewards

Get more rewards with your everyday banking™

Unlimited access

Safe and secure access to our network of financial centers, ATMs, Online and Mobile Banking, and more.

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Fresh Start Checking is perfect for you if you're looking to leave past checking account problems in the dust. A new start with a Fresh Start checking account means you have no minimum opening balance, a minimal monthly service fee, and unlimited check writing. It's everything you'll need to get back on track with everyday banking.

• No minimum balance requirements
• $5 monthly service charge
• $2 monthly paper statement charge. This charge is waived if enrolled in eStatements.
• Debit Card transaction daily limit is $500, ATM daily limit is $200
• Unlimited check writing
• Overdraft and NSF fees are waived

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Checking Benefits and Conveniences

• 

  Fee-free ATMs

  Access your cash at 32,000+ fee-free MoneyPass ATMs from coast-to-coast. 
  

• 

  Online & Mobile Banking

  Secure banking, anytime, anywhere. 
  24/7 access to check balances, pay bills,
  transfer money, and even open a new account.

• 

  Bank Securely

  Your account is safe with FDIC insurance and fraud coverage. 

• 

  Mobile Check Deposit

  Deposit checks using your phone or tablet app. 
  Download the mobile app.

• 

  Text & Email Alerts

  Get alerts on balances, transactions, and security to setup alerts.

• 

  Digital Wallet

  Link your debit card to your phone using Apple Pay or Samsung Pay®

Get started with your account.

• Online and Mobile Banking

  Manage your personal banking from anywhere with a web-enabled device in hand.

  • Money management
  • Pay loans and draw on lines of credit
  • Pay Bills
  • Thumbprint or passcode secure login
  • Facial Recognition (iPhone X only)
  • View eStatements and account history

  Download App Today!

  
       
  

  Online Banking User Guide 

• Set up your Account

  Activate your debit card, fund your account, set up direct deposit, create online credentials and download our mobile app with these easy-to-use resources.

  
  Learn more

• Use Your Account

  Maximize your account experience by setting up online bill pay, scheduling automatic payments, and other handy features.

  
  Learn more

• Kickstart your Savings when you Enroll in Easy Save!

  Round up each debit card purchase to the nearest dollar to turn your change from everyday purchases into savings.

  The change from your debit card purchases is accumulated and automatically transferred daily from your checking account to your savings account.

  Enroll in Easy Save

  

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