Overview / Commentary
800-900-9000
100 North Tryon St
Charlotte, NC 28202

Bank of America (BofA) was established in 1904. Since then, through the ups and downs of financial growth and crises, it has grown to become one of the “big four” banks in the United States (the others are JPMorgan Chase, Citigroup, and Wells Fargo). Headquartered in Charlotte, North Carolina, Bank of America has operations in more than 35 countries around the world.

Bank of America offers a full range of financial products and services. Its personal depository banking products include checking accounts, savings accounts, money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). Its checking accounts, both interest bearing and non-interest bearing, feature online banking, mobile banking, debit cards, and available overdraft protection. BofA’s savings accounts can be used as overdraft protection for BofA checking accounts. Furthermore, the bank provides Health Savings Accounts (HSAs), which can be used to pay for qualified medical expenses.

Bank of America’s money market accounts offer higher interest rates to customers as a relationship banking reward. At the time of this writing, enrollment in the relationship banking program requires both a BofA personal checking account and a certain 3-month average combined balance in BofA banking accounts and/or Merrill Lynch or Merrill Edge investment accounts.

As for CDs, the terms range from 28 days to 10 years, with higher interest rates for longer terms. For the standard CDs, BofA does not allow any additional deposits until the CD matures, and there is an early withdrawal penalty. However, the bank also offers a short-term CD with no early withdrawal penalty, for customers looking to keep their funds relatively liquid.

BofA provides both Traditional and Roth IRA products, available as IRA money market accounts or IRA CDs , as well as brokerage IRAs through Merrill Edge. The bank also offers a variable rate CD IRA, to which deposits can be made at any time, and a short-term CD IRA with no early withdrawal penalty.

For business customers, BofA offers business checking accounts, business savings accounts (including business HSAs), business CDs, business IRA options (provided through Merrill Edge), and relationship banking benefits to higher-balance business customers. The bank’s business checking accounts vary by account balance and transaction volume, and they offer access to BofA’s business savings accounts, which are money market accounts with varied interest rates, depending on the account balance. Finally, as for business CDs, BofA offers terms from 7 days to 10 years, including a short-term business CD without an early withdrawal penalty.

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12/12/12 - Bank of America's Higher Checking Fees Unfair To Customers In MA, AZ And GA
12/2/12 - Bank Of America Is Holding Off On Plans For New Checking-Account Fees
10/17/12 - Bank Of America's Q3 Earnings Report - Insights For Depositors
9/27/12 - Bank Of America Checking Labeled As Inactive Even With ACH Deposits & Withdrawals
9/20/12 - Bank Of America Cutting 16,000 Jobs By Year End In Cost-Plan Acceleration
8/29/12 - BofA Joins Chase, Citibank In Simplifying Checking Disclosures
8/21/12 - Bank Of America To Keep 'Zombie' Checking Accounts Closed In Policy Shift
8/20/12 - Why A NYT Writer Still Does Business With Bank Of America
8/15/12 - Review Of Bank Of America's Mobile Check Deposit
7/31/12 - Bank of America's New Checking Account Bonuses - $200, $100 & $75 Based on Your State
7/25/12 - Last Chance for 2 Percent CDs? What I Found at Bank of America
7/24/12 - Bank Of America Slashes ATM Network In Cost-Cutting
7/24/12 - Bank Of America Rolling Out New Mobile Banking Services
6/30/12 - Bank Of America's Purchase Of Countrywide Was A $40 Billion Mistake
6/20/12 - Detroit Man Gambles Away $1.5 Million Accidentally Given By ATM
6/12/12 - $150 Checking Account Bonus For Bank Of America Credit Card Customers - YMMV
5/31/12 - 3 Years After Taxpayer Bailout, Bank Of America Ships Jobs Overseas
5/19/12 - Bank Of America Shuttered 154 Branches In Q1
5/8/12 - Bank Of America Starts Mortgage Reduction Effort
4/24/12 - Bank of America Advertising a $100 Checking Account Bonus
4/24/12 - Checking Bonus
4/19/12 - Bank Of America Q1 2012 Earnings & My Deposit Growth Observation
4/19/12 - $100 Checking Account Bonus At Bank Of America Branches In Some States
3/8/12 - Was Bank Of America Negligent In Allowing Man To Embezzle Public Funds?
3/2/12 - Bank of America's Checking Account Fees in the News Again
3/1/12 - Bank Of America Considers Revamping Checking Accounts
2/9/12 - Bank Of America Declares Live Man Dead
2/2/12 - Bank Of America Takes Back My Claim Money Because My Account Was Compromised Twice
1/25/12 - Group Calls For U.S. To Break Up Bank Of America
1/24/12 - Bank Of America Testing New Credit Card Cash Back Service
1/24/12 - Bank Of America's Deposit Strategy
1/19/12 - Bank Of America Q4 2011 Earnings
1/14/12 - Report Claims Bank Of America Told Fed It Could Sell Branches In Emergency
1/4/12 - Bank Of America Severing Some Small-Business Credit Lines
1/4/12 - Bank Of America Branch Refuses To Deposit Wedding Gift Checks Because Bride Didn't Change Her Name
12/29/11 - Can Bank Of America Survive A 'Run On The Bank' In 2012?
12/23/11 - CD's For A Organization..
11/22/11 - Bank of America Warned By Regulators To Get Stronger
11/18/11 - Bank Of America Allegedly Gave Man's Account To Another With Same Name
11/14/11 - My Problems with a Mega Bank Part 2 - Bank of America
11/9/11 - Bank of America IRA CD Early Withdrawal Issues
11/1/11 - Bank of America is Latest Big Bank to Back Down on Debit Card Fees
10/28/11 - Bank Of America Is Revamping Debit Card Fees
10/12/11 - Bank Of America Tries To Burnish Tarnished Image With Ads
10/6/11 - Best Response to Bank of America's New Debit Card Fee?
10/3/11 - Bank Of America, Chase, And Citibank Bonuses
10/3/11 - Bank Of America's Website Is Down Again
9/30/11 - Bank of America Adding Debit Card Fees - Future for Debit Cards?
9/29/11 - Reminder: Bank Of America's Museums On Us Program
8/5/11 - Bank Of America Starts Overdraft Rebate Outreach
8/5/11 - Bank Of America Online System Experiencing Problems
7/18/11 - Tips For Receiving A Bank Of America Fee Refund
7/17/11 - Bank Of America Customer Forced To Pay CD Early Withdrawal Penalty On Last Day Of Grace Period
7/14/11 - Bank Of America Paying Out $410 Million For Reordering Your Transactions To Maximize Overdraft Fees
7/12/11 - Bank Of America's Handling Of Blunder Is Troubling
7/7/11 - Woman's Accounts Frozen After $3M Overdraft
6/25/11 - Another Fee Increase At Bank Of America: Replacing A Debit Card
6/15/11 - Bank of America Changing Checking Accounts and Increasing Fees
5/25/11 - Bank Of America Security Breach
5/25/11 - Will New Checking Account Fees Have Any Effect on Bank of America?
5/10/11 - Bank Of America To Allow Texts To OK Overdrafts
5/6/11 - Bank of America Increases CD Early Withdrawal Penalties
5/6/11 - Bank Of America Seriously Increases CD Early Withdrawal Penalty. Is It Retroactive?
4/28/11 - Checking Account Fees Going Up At Bank Of America
4/28/11 - Bank Of America Issuing State Tax Refunds As Fee-Heavy Debit Cards
4/21/11 - Unintentional Sign-Up Of Bank Of America Customer Years Program
4/12/11 - Bank Of America ATM Check Deposit Incident
3/31/11 - Bank Of America Begins Promoting Rapport Security Software
3/22/11 - Credit Limits
3/21/11 - New Fee At Bank Ofamerica
2/11/11 - Bank Of America To Close Some Branches & Transform Some Into Merrill Lynch Specialty Stores
1/19/11 - New Fee For Those With Bank Of America Mortgages
1/14/11 - Bank Of America's Online Banking Outage
1/6/11 - Bank Of America Testing New Checking Accounts With New Fees In AZ, GA & MA
11/1/10 - Debit Card Fraud Resolution Problems At Bank Of America
10/21/10 - Future Bank Of America Checking Accounts?
10/19/10 - Bank of America's Third Quarter Earnings Report from a Depositor Point of View
10/15/10 - Bank Of America Experimenting With New Fees
10/11/10 - Bank Of America's Checking Account Bonus: $300 Mortgage Principal Reduction
9/21/10 - $150 Promo From Bank Of America
9/21/10 - Bank Of America Patents Method For Denying Refunds
9/21/10 - $200 Business Checking Account Bonus At Bank Of America
9/20/10 - Bank Of America's Plans For A New Fee Structure
9/14/10 - WSJ's Review Of Bank Of America's CEO
9/8/10 - New Myaccess Checking Fees
8/29/10 - Bank of America's $220 Checking Account Bonus
8/27/10 - Bank Of America Online Banking Outage - Nationwide - Resolved
8/23/10 - Bank Of America Promotion: $75 Checking Account Bonus Update
8/17/10 - Excessive Withdrawal Fees from Bank of America, Citi, Wells Fargo and Ally
8/9/10 - Bank Of America Releases The Ebanking Checking Account
8/6/10 - Bank Of America's 12 Free Months Of Mcafee For Online Banking Customers
8/6/10 - 10% Cash Back Deals In Bank Of America's Add It Up Program
7/31/10 - Bank Of America Slashes CD Rates, Tips For Bank Of America Customers
7/18/10 - Bank Of America's Plans Of Dealing With New Regulations
6/7/10 - Update on Bank of America Checking Account Bonuses
5/13/10 - Money Market Account Deal at Bank of America for NEA Members
12/14/09 - $100 Checking Account Bonus at Bank of America - Update 2
11/21/09 - Bank of America's Special Rate Money Market Savings Account
10/5/09 - $35 Bill Pay Bonus at Bank of America
9/21/09 - 2.50% 9-Month Risk Free CD at Bank of America in Many States
9/13/09 - $75 Checking Account Bonus at Bank of America, Plus a Note on the New Fees
8/23/09 - Bank of America's Introductory Rate Money Market Savings Account
8/21/09 - 2.00% Money Market Account with Rate Guaranteed until 2010 at Bank of America for NEA Members
8/21/09 - Bank of America's $100 Checking Account and Bill Pay Bonus
6/6/09 - Bank of America Completes Acquisition of Countrywide
4/14/09 - Bank of America $75 Checking Account Bonus for Existing Credit Card Customers
3/19/09 - $50 Checking Account Bonus at Bank of America
2/23/09 - 2.50% Money Market Account with Rate Guaranteed till Jun 30th at Bank of America in Texas
12/11/08 - Bank of America's $50 Checking Account Bonus
12/9/08 - Bank of America's 4.01% 48-Month CD in FL and MA
12/2/08 - 2% Cash Back Credit Card at Countrywide Bank with Savings Account
11/4/08 - Countrywide Bank Raises Savings Account Rates and CD Rates
10/25/08 - 5.36% Money Market Account from Bank of America?
10/25/08 - 4.25% 3-Month CD and 3.86% Money Market Account at Bank of America
8/1/08 - 4.11% 7-Month High Yield CD at Bank of America
7/24/08 - 4.00% 7-Month CD at Brick-and-Mortar Bank of America
7/18/08 - Countrywide Bank's 4.10% 7-Month CD Special
7/6/08 - Bank of America Checking and Credit Card Bonuses
6/27/08 - Update on Bank of America's $75 Checking Account Bonus
6/8/08 - Latest Banking News: Online Savings Accounts, Bank of America, Countrywide and National City
5/28/08 - High Local CD Rates at Countrywide Bank
5/27/08 - Fee Refunds and Hold Times at Bank of America
4/20/08 - Countrywide Bank's Savings Account and CD Rate Changes - Long Term CD Yields up to 4.50%
3/19/08 - Countrywide Bank Raises 12-month CD Yield to 4.20%
3/5/08 - $100 Business Checking Account Promotion at Bank of America
2/10/08 - 4.80% 5-Month CD at Countrywide Bank
2/5/08 - Update on LaSalle Bank's $100 Checking Account Bonus
2/5/08 - $100 Checking Account Bonus with no DD Requirements at LaSalle Bank
1/27/08 - 5.10% 3-Month CD at Countrywide in CA, 5.00% In Some Other States
1/18/08 - Large Rate Cuts on Countrywide Bank's Savings Account and CDs
1/11/08 - It's Official. Bank of America is Buying Countrywide
1/10/08 - $100 Bank of America Checking Account Bonus Continues
1/10/08 - Bank of America $100 Credit Card Bonus
12/18/07 - 5.10% 5-Month Online CD at LaSalle Bank
12/14/07 - Countrywide Raises Yields on 3 and 6-Month Internet CDs to 5.50%
12/7/07 - Bank of America's Money Market Savings Account Yield Up to 5.12%
11/30/07 - 5.20% 4-Month CD at Bank of America
11/23/07 - 5.15% 6-Month CD at Merrill Lynch Bank
11/12/07 - Summary of Bank of America Checking and Savings Account Bonuses and Promotions
11/5/07 - Bank of America's Online 4-Month CD - Yield as High as 5.25% APY
10/27/07 - 5.71% Money Market Savings Account at Bank of America
10/27/07 - Update on Bank of America's High Yield Money Market Savings Account
10/26/07 - Countrywide CD Rate Update - New 5.65% 6-Month CD
10/14/07 - Countrywide's 12-Month CD Yield Raised to 5.70% in California
9/30/07 - Countrywide Bank Rates Down But Still High
9/14/07 - 5.45% 4-Month Online CD at Bank of America in Some States
9/2/07 - 5.75% 12-Month CD at Countrywide Bank in California
8/24/07 - Countrywide Bank Raises Rates Again on CDs and Savings Account
8/24/07 - $75 Bank of America MasterCard Bonus
8/20/07 - Countrywide Tries to Soothe Fears with National Ads and High Rates
8/17/07 - 5.50% Savings Account and 5.65% 12-Month CD at Countrywide - Desperate for Deposits?
8/7/07 - $100 Bank of America Checking Account Bonus
7/25/07 - $250 Promotion for a Bank of America Credit Card
7/11/07 - $50 Checking Account Bonus at LaSalle Bank
6/5/07 - 5.40% 6-Month CD at Merrill Lynch Bank
3/29/07 - $100 Checking Account Bonus at Bank of America - Update
3/25/07 - Update on $75 Bank of America Checking Account Bonus
3/25/07 - Bank of America Checking Account Bonuses
2/11/07 - 5.50% 6-Month CD at Merrill Lynch Bank
12/16/06 - Countrywide's Savings Account Now 5.40% for $50K+
11/20/06 - 5.65% 6-Month CD at Merrill Lynch Bank
10/29/06 - $250 Bank of America Checking / Savings Account Promo
10/12/06 - Bank of America's Free Online Trades
8/25/06 - Countrywide's Savings Account Now 5.25% with only $10K Min
8/24/06 - Bank of America's New Online CD
8/22/06 - $15 Online Banking Offer from Bank of America
8/7/06 - 5.33% Money Market Account from MBNA ($15K+)
7/17/06 - $150 in Sign-up Bonuses at Bank of America
7/3/06 - $50 Sign-Up Bonus for Bank of America Savings Account
6/25/06 - $15 Bonus for Bank of America's Online Banking
6/23/06 - 5.25% Savings Account at Countrywide ($50K+)
6/18/06 - 5.04% Money Market Account at MBNA ($15K+)
6/7/06 - $100 Checking Account Bonus at Bank of America
6/2/06 - 5.00% Savings Account at Countrywide ($50K min)
6/1/06 - $200 Bonus for Business and Personal Checking Account at Bank of America
5/28/06 - 5.40% 9-Month CD Special at Countrywide Bank
5/23/06 - 5.32% 6-Month / 5.09% 3-Month CD at Merrill Lynch
5/19/06 - 5.41% 12-Month CD and the New Savings Account at Countrywide Bank
5/17/06 - $125 Bonus at Bank of America for New Checking / Savings Account
5/5/06 - 5.20% 10-Month CD at LaSalle Bank
4/21/06 - 5.15% 10-Month CD at LaSalle Bank
4/12/06 - 5.10% 10-Month CD at LaSalle Bank
2/7/06 - 5.06% 6-Month CD at Merrill Lynch
2/4/06 - Bank of America Promotions and Fees
1/26/06 - $75 for New Checking Account at Bank of America
12/19/05 - 5% 1-Year CD at Countrywide Bank?
12/5/05 - Bank of America Extends Checking Bonus
10/6/05 - Bank of America's Twist on Debit Card Rewards
9/24/05 - Signup Bonus for Bank of America Checking Account
9/6/05 - Bank of America Online Banking Promotion

Reviews (336)

The best bank

Posted by: garymcgee | Mar 18, 2018

It is a great bank. The truth is I am very happy with your service, offers security, many opportunities, facilities in transactions, possibilities regarding the credit issue. I really have several years with this bank and I can catalog it as the best. Always alert. The web platform is great and easy to use, the physical venues are comfortable and coherent with the operation of the site, transparent, which is the most important thing in a bank, transparency. This bank has never been bad for me.

Frustrating fees

I have been with Bank of America for many years. I first got an account right out of college because they had a promotion for newly graduated students. Since then I have been reasonably happy with this banking institution. The best thing about it is that it is a national bank, so I'm never lacking for a nearby branch. The promotion for my checking account expired a few years after I opened it, and I was switched to a regular checking account. It is fine, though I do have a monthly fee now, which is frustrating. I'm honestly thinking about moving to a credit union in order to bypass this monthly fee, even though it could potentially mean scarcer branch locations. I'm still chewing on that, but I'm sure eventually I'll move on.

Bank That Has Many Fees

Posted by: Loanspear | May 9, 2018

Until this year I've banked with Bank of America for many years. I once used this bank after inheriting $50,000. This is when I was first made aware of the many fees associated with using BOA. The inheritance was from a relative's death and I was too preoccupied to pay attention to my bank statement. I knew I had enough money in my checking/savings account to cover my expenses. However, one day I looked at the statement and was shocked that I was being charged a transfer fee from my savings to checking account. The bank offered a small token credit for the money they had deducted. Recently I closed an account because Bank of America started charging a $15 fee just to have an account. It outraged me to think of all the people faithfully deposited their hard-earned money into this giant money-making institution and being charged for the privilege. I was also charged if I went into the bank to speak to a teller instead of using the ATM service. Excuse me for asking a human about my money.

Hellish Nightmare. The Absolute Worst!

First they were eating up my checking account with fees because I went slightly below $1500 and my ATM card took 3 mo to arrive after I opened the account. So I switched to a Savings account which prevents me from being able to use my debit card for anything other than cash withdrawals. Then my teenaged son was going to Columbia alone and I needed a way to transfer him money so he would to be able to get small amounts of cash out while he was there, so foolishly, we got him two accounts. We spent an hour with a lovely person at the bank, explaining the situation, showing her all our documents, my account etc. I get home to find out that I CANNOT transfer money from my account to his at all. I spend 30 min a day for a week trying to get this sorted out before I have to go to Europe where I won’t have phone or wifi. I spend most of that time in voice-jail because there are no options to speak to a human. All my attempts to transfer get put on some bs fraud-alert hold, even when I do them with BofA staff on the line. Now with hours left before my flight and my teen about to have insufficient travel funds during my absence, I am losing my mind spending 2.5 hours on the phone trying to get something sorted instead of packing. During this same time I had sent a $2000 cheque from another bank and waited 4 weeks for it to get posted! Now they have sent a demand to see his Social Security card again and are threatening to suspend his account if he doesnt find some way receive, sign and return some form in the next six days. They do not seem to comprehend there is no Fedex service in the jungle and they are threatening an 18 year old boy with being unable to eat or even get to the airport to return home by cutting off his funds. BofA is famous for being greedy, fee-gobblers and they along with Wells Fargo are both reputed as the worst among US banks but torturing clients with bureacracy and threatening/stressing out this child is a whole new level of evil. SHAME ON the management and policies. The app would be awesome if it allowed me to actually do a transfer. The people at my branch are nice but seem to have no ability to help customers when problems arise.

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Health

Health Grade Components

Overall
FDIC Certificate #3510
Year Established1904
Employees137204
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.61%
Return on Equity - YTD13.87%
Annual Interest Income$41.87B
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1,797.9B$1,725.2B
LoansQ3 2018vs Q3 2017$906B$906.9B
DepositsQ3 2018vs Q3 2017$1,435.7B$1,373.1B
Equity CapitalQ3 2018vs Q3 2017$204.6B$209B
Loan Loss AllowanceQ3 2018vs Q3 2017$9.63B$10.52B
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$6.20B$7.69B
Real Estate OwnedQ3 2018vs Q3 2017$331.0MM$281.0MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Bank of America; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Bank of America Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$100k*-Business Advantage Relationship Rewards - Platinum Honors
OTHER TIERS: 0.05% Up to $10k | 0.06% $10k - $50k | 0.07% $50k - $100k
0.07%*$100k*-Business Advantage Relationship Rewards - Platinum
OTHER TIERS: 0.04% Up to $10k | 0.05% $10k - $50k | 0.06% $50k - $100k
0.06%--Preferred Rewards - Platinum Honors
0.06%*$100k*-Business Advantage Relationship Rewards - Gold
OTHER TIERS: 0.03% Up to $10k | 0.04% $10k - $50k | 0.05% $50k - $100k
0.05%--Preferred Rewards - Platinum
0.04%*$500k*-Business Advantage Savings
OTHER TIERS: 0.02% Up to $50k | 0.03% $50k - $500k
0.04%--Preferred Rewards - Gold
0.03%--Minor Savings
0.03%--Rewards Savings

Bank of America Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%--Business Investment Account

Bank of America Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.06%--Banking Rewards for Wealth Management
0.02%*$50k*-Bank of America Advantage Relationship Banking
OTHER TIERS: 0.01% Up to $50k
0.01%--Business Interest Checking

Bank of America CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.20%$10k-37 Month CD Special
1.85%$10k-25 Month CD Special
1.75%$10k-13 Month CD Special
0.75%$1k-60 - 119 Month CD
0.75%$1k-120 Month CD
0.65%$1k-48 - 59 Month CD
0.55%$1k-36 - 47 Month CD
0.10%$1k-24 - 35 Month CD
0.07%$1k-18 - 23 Month CD
0.07%$10k-12 Month CD Special
0.05%$1k-12 - 17 Month CD
0.03%$1k-28 - 179 Day CD
0.03%$1k-6 - 11 Month CD

Bank of America IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.20%$2k-37 Month IRA Special
1.85%$2k-25 Month IRA Special
1.75%$2k-13 Month IRA Special
0.75%$1k-60 - 119 Month IRA
0.75%$1k-120 Month IRA
0.75%$500-60 - 119 Month CESA
0.75%$500-120 Month CESA
0.65%$1k-48 - 59 Month IRA
0.65%$500-48 - 59 Month CESA
0.55%$1k-36 - 47 Month IRA
0.55%$500-36 - 47 Month CESA
0.10%$1k-24 - 35 Month IRA
0.10%$500-24 - 35 Month CESA
0.07%$1k-18 - 23 Month IRA
0.07%$500-18 - 23 Month CESA
0.07%$2k-12 Month IRA Special
0.05%$1k-12 - 17 Month IRA
0.05%$500-12 - 17 Month CESA
0.03%$100-18 - 23 Month Variable Rate IRA
0.03%$1k-6 - 11 Month IRA
0.03%$500-6 - 11 Month CESA
Locations

Availability



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