A city skyline at dusk, glass towers catching the last crimson light

Charlotte · New York · your street, too

Every skyline starts as somebody’s morning.

Roughly 69 million people and small businesses bank with us — not because of what we are, but because of what they’re building before the rest of the city wakes up.

Start your morning Watch the day unfold
6:02 AMPaycheck landed
7:15 AMKeep the Change® saved $1.40
7:40 AMErica: 12% under dining budget
Sunrise pouring down the avenue between city towers

The size of the promise

Big enough to matter.
Close enough to notice.

A national bank only earns its skyline one kitchen table, one storefront, one first apartment at a time. Here is what that reach looks like when it shows up in a day.

0M
consumer & small-business clients
~0
retail financial centers
~0
ATMs, coast to coast
0M
digitally active clients
0B+
interactions with Erica® and counting

Everyday banking

Banking that keeps ordinary hours holy.

No rate-sheet theatrics. Just accounts that respect how a day actually moves — coffee, commute, paycheck, dinner, done.

A small-business owner laughing with a customer paying by phone at the counter
Tap to pay. Alert on. Already out the door.

7:04 AM — coffee, no drama.

Advantage SafeBalance® Banking is a checkless checking account with no overdraft fees — ever. If the money isn’t there, the card simply says so, instead of billing you $35 for a latte’s mistake. Debit card, alerts, and full app access: $4.95 a month, waived for students under 25 and Preferred Rewards members.

  • Life Plan® goals in the app track the wedding, the move, the emergency fund — side by side.
  • Balance Connect® can automatically move money between linked accounts to help avoid overdrafts.
  • Today’s new-customer checking offers go up to $500 — real promotions, without the asterisk maze.

Credit cards

Your card should know what you love.

The Customized Cash Rewards card lets you choose the category that earns 3% cash back — and change it once a month, as your life changes. Pick yours.

Bank of America

5412  75••  ••••  0916

YOUR NAME HERE ONLINE SHOPPING

Customized Cash Rewards — 3% in the category of your choice

Choose your 3% category

$162/yr cash back

3% on your chosen category, 2% at grocery stores and wholesale clubs, 1% everywhere else.

New cardmembers: $200 online cash rewards bonus after $1,000 in purchases in the first 90 days.

Prefer set-and-forget? Unlimited Cash Rewards earns a flat 1.5% on everything. Travel Rewards earns 1.5 points per dollar, no blackout dates, no foreign transaction fees.

A modern house at dusk, warm light in the windows behind a quiet lawn

Home lending

The best room in the house is the one with your name on the deed.

Prequalify online in minutes, upload documents from your phone, and follow your loan like a delivery. First-time buyer? The Down Payment Grant offers 3% of the purchase price — up to $10,000 — in eligible areas, with no repayment. America’s Home Grant® adds a lender credit of up to $7,500 toward closing costs.

It’s part of a $15 billion Community Homeownership Commitment to help 60,000 individuals and families buy homes of their own.

Sketch the monthly

$2,415

estimated principal & interest / month · 6.49% APR example, 30-year fixed

Investing · Merrill

Ambition compounds quietly.

A Merrill advisor when you want a strategy. Merrill Edge® Self-Directed when you want the wheel — $0 online stock and ETF trades, research from BofA Global Research, and your investing beside your banking on one screen.

A bright modern home with a pool, glowing in late-afternoon light
Goal #07: “the place with the pool,” 2034.

Watch $500 a month grow up

$405,000

projected value at a 7% hypothetical annual return — illustrations aren’t promises, but habits are

  • Merrill clients hold roughly $1.4 trillion in balances — guidance at every scale.
  • Preferred Rewards members investing with Merrill can grow toward higher tiers automatically.

Small business

Main Street is our headquarters, too.

A bakery doubles its ovens. A contractor hires crew number three. A two-person studio becomes a ten-person agency. Business Advantage 360 puts checking, cash flow and card data on one dashboard — Cash Flow Monitor® flags the tight weeks before they arrive; Zelle® and merchant services keep money moving at the speed of a lunch rush.

One dashboardaccounts, cards, payroll and cash flow, together
Preferred Rewards for Businesstiered benefits that scale as balances grow
Every state, every main streetspecialists in financial centers nationwide
A warm, plant-filled cafe interior set for the morning rush
6:58 AM — ovens on, doors in two minutes.
A rain-slick city street at night glowing with neon signs

Digital banking & security

The branch that never sleeps still locks the door.

The Mobile Banking app deposits checks by photo, pays bills, sends money with Zelle®, and signs you in with a fingerprint or your face. Behind the glass: a $0 Liability Guarantee for unauthorized transactions, instant card lock, and alerts you choose — because trust is a feature, not a footer.

•••• 0916 Active

Misplaced card?

Lock it in one tap. Unlock when it turns up under the car seat.

A client smiling in a bright modern office
Membership that notices you’ve been here a while.

Preferred Rewards

Loyalty, compounded.

Your eligible Bank of America deposit and Merrill investment balances combine into one three-month average. Cross a threshold, and everyday banking quietly gets better — automatically, no enrollment gymnastics.

Platinum

    A player’s foot resting on a soccer ball on the grass

    Community & responsible growth

    A bank is only as good as the morning after.

    Soccer is in session

    As an official sponsor of U.S. Soccer and FIFA World Cup 26™, we’re helping bring the game — and its lessons in teamwork and confidence — to schools across the nation.

    Doors open wider

    A $15B Community Homeownership Commitment, Pathways hiring thousands of teammates from low- and moderate-income neighborhoods, and Better Money Habits® — free financial education for anyone, customer or not.

    Culture, on us

    Museums on Us® opens 225+ museums and cultural institutions to cardholders free on the first full weekend of every month — because return on investment should sometimes be a Saturday.

    Growth that behaves

    Carbon neutral in our operations since 2020, with a goal to mobilize $1.5 trillion in sustainable finance by 2030 — responsible growth, audited by the future.

    Tomorrow, 6:02 AM

    Your bank should wake up when you do.

    Open an account Schedule an appointment
    More demos
    Get $10 off Kimi K3