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Checking Accounts

Expect more from your checking account

Free account, credit card with no annual fee, loan and much more: all in a single app.


How to get started

The bank account that provides flexible access with more ways to bank

What do you need to open a current account?

Our eligibility checker allows you to find out whether you’ll be accepted before you apply with us. It takes around 2 minutes and it won’t harm your credit rating.


Here's what you'll get with each account setting

  • Our $0 Liability Guarantee credits fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen.
  • Need to access your account quickly? Sign in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device.
  • Deposit a check into your account using the camera on your smartphone or tablet and the Mobile Banking app. Don't worry: Check images are stored securely at the bank.
  • You can see the big picture with our interactive Spending and Budgeting tool. Track your habits and set up budgets to take more control over your money.
  • Lock a missing card quickly and easily to prevent unauthorized use. Cards can be added to a digital wallet for use at stores, cardless ATMs and more.
  • Know now and react fast to important account changes. You can set custom alerts via email or text for things like a low balance, a pending deposit, an upcoming bill.

Create current accounts for all your needs

- No fees on select services and additional accounts

- Earns interest See rates

- Option to set up Balance Connect™ for overdraft protection - Paper checks available (no charge or discounted depending on check style)

- Maintain a combined balance of $10,000 in eligible linked accounts Learn about combined balances