Bank of America Promotions and Offer Codes for January 2026
Read our in-depth review of Bank of America to see why Bank of America scored 3.6 stars out of 5. We like their large branch network, extended service hours, and full service banking.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Business Advantage Relationship Banking
- Best for businesses with the need for extra accounts and robust banking needs.
- No fee for incoming wire, stop payment, electronic deposits and more.
- No fee for first 500 transactions per statement cycle.
- No fee for the first $20,000 in cash deposited per statement cycle at an ATM or Financial Center.
- Bank of America, N.A. Member FDIC
- Minimum Deposit to Open: $100
- Monthly Fee: $29.95 or $0 – Pay no monthly fee for Business Advantage Relationship Banking when you meet one of the following requirements each statement cycle:
- Maintain a $15,000 combined average monthly balance in eligible linked business deposit accounts.
- Be a member of Preferred Rewards for Business (first 4 checking accounts per enrolled business)
Business Advantage Fundamentals™ Banking
- Best for new businesses with simple banking needs.
- No fee for first 20 transactions per statement cycle.
- No fee for first $5,000 in cash deposited per statement cycle at an ATM or Financial Center.
- Bank of America, N.A. Member FDIC
- Minimum Deposit to Open: $100
- Monthly Fee: $16 or $0 – No monthly fee for the first 12 statement cycles. To avoid the Monthly Fee after, meet one of the following requirements each statement cycle:
- Maintain a $5,000 combined average monthly balance in eligible linked business deposit accounts.
- Use your Bank of America business debit card to make at least $500 in new net qualified purchases.
- Be a member of Preferred Rewards for Business (first 4 checking accounts per enrolled business)
Featured CD
| Term | APY |
|---|---|
| 7 Month | 3.25% |
| 10 Month | 2.95% |
| 13 Month | 2.00% |
| 25 Month | 1.75% |
| 37 Month | 0.11% |
The information for the Featured CD has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Rates are for Pasadena, California (ZIP Code 91107), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2025.
- Minimum Deposit to Open: $1,000
Bank of America Advantage Savings - Preferred Rewards
| Account Balance | Gold APY | Platinum APY | Platinum Honors APY | Diamond and Diamond Honors APY |
|---|---|---|---|---|
| Less than $2,500 | 0.02% | 0.03% | 0.04% | 0.04% |
| $2,500 and over | 0.02% | 0.03% | 0.04% | 0.04% |
The information for the Bank of America Advantage Savings has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Free Museum Entry
Offer valid for all current Bank of America customers. Enjoy free museum admission on the first full weekend of every month, from more than 225 participating museums. Simply show your Bank of America or Merrill Lynch credit or debit card and an ID, and get one free general admission.
The information for the Free Museum Entry has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Compare Promotions
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
- When Do You Get It: Bonus fulfillment: 60-days from the funding date
- Monthly Fee: $0
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- Minimum Deposit to Open: $0
- Direct Deposit Required: Yes
- Minimum Deposit Required: None
- When Do You Get It: Within 15 days after meeting requirements
- Monthly Fee: $15 or $0 with one of the following, each monthly statement period: $500+ in qualifying electronic deposits OR $1,500+ balance at the beginning of each day OR $5,000+ average beginning day balance in this account, or in combination with any linked qualifying personal deposits or in investments OR Link this account to a qualifying checking account
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
- Minimum Deposit to Open: $100
- Monthly Fee: $0 monthly maintenance fee
HSBC Premier - Earn Up to $7,000
- Send and receive money with Zelle® right from our mobile app
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
- Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
- Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
- Monthly Fee: $50 monthly maintenance fee, unless eligibility criteria is met:
- Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR
- Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
- Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.
Bank of America Offers History
| 14 days ago | Deals Editor from CreditDonkey updated Featured CD |
| 14 days ago | CreditDonkey updated 37-Month CD - 0.11% APY |
| 14 days ago | CreditDonkey updated 37-Month CD - 0.11% APY |
| 14 days ago | CreditDonkey updated 25-Month CD - 1.75% APY |
| 14 days ago | CreditDonkey updated 25-Month CD - 1.75% APY |
Current Bank of America Promotions
- Bank of America Advantage Banking:
Up to $500 Cash Offer - Bank of America® Business Advantage Banking:
$400 or $750 Cash Bonus Offer
How to Get Bank of America Bonuses
Bank of America offers new customers a bonus for opening a new eligible account with qualifying activities. The bonuses are usually for online only applicants.
Here's how you can get a bonus:
- Open a new account through the promotional link in the offer.
- Complete the offer requirements. This usually includes making a certain amount of qualifying deposits into the new account, and/or maintaining a specified balance for a certain time.
- Bank of America will typically pay your bonus within 60 days (from the end of the qualifying period).
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
What to Know About Bank of America Bonus Offers
- Offers are for new personal or business checking customers only. You can be eligible for a business checking account bonus if you're an existing personal checking customer (and vice versa).
- You are eligible for a personal checking bonus if you have not owned or co-owned a Bank of America personal checking account within the last twelve (12) months.
- You are eligible for a business checking if you were not an owner or signer on a Bank of America Business Advantage checking account within the last twelve (12) months.
- Bonuses are limited to one bonus per account and per customer.
- Your new account must be open and in good standing up to and including the date any earned bonus is paid.
- Cash bonuses are considered taxable income.
Bank of America's bonus can be worth it if you can easily fulfill the terms and the account aligns with your needs. Note that Bank of America checking accounts have requirements to waive the monthly fees, so make sure it won't be a hassle to maintain.
Bank of America Pros & Cons
Pros:
- Frequent bonuses for new customers
- Available in 37 states
- Low requirements to waive monthly fees for basic accounts
- Flexibility to switch between checking tiers
- Highly-rated mobile app
- Free spending and budgeting tools
- Wide range of banking services
Cons:
- Low APYs for savings accounts
- No free checking option
- Many other banking fees
Bank of America Personal Checking Accounts
- Advantage SafeBalance: This particular account has no overdraft fees - you can only spend what you have. There are no paper checks. The $4.95 monthly maintenance fee can be waived if you are under 25, maintain a minimum daily balance of $500, or if you are a member of Bank of America Preferred Rewards®. The minimum opening deposit is $25.
- Advantage Plus Banking: The $12 monthly maintenance fee can be waived if you: maintain a minimum daily balance of $1,500, OR have one qualifying direct deposit of at least $250 each statement cycle, OR if you are a member of Bank of America Preferred Rewards®. This account allows you to enroll in optional overdraft protection. The minimum opening deposit is $100.
- Advantage Relationship Banking: The $25 monthly service fee can be waived if you maintain a minimum daily balance of $20,000 in your account or if you are a member of Bank of America Preferred Rewards®. The minimum opening deposit is $100.
All 3 accounts come with mobile banking, mobile check deposit, and alert. They also come with a debit lock/unlock feature. If you've misplaced your debit card and need time to find it, you can just lock it on the mobile app. And then unlock it after you've found your card.
Bank of America Business Checking Accounts
Bank of America also offers 2 different business accounts:
- Business Advantage Fundamentals™ Banking: This is the basic business account ideal for small businesses just starting out.
- Business Advantage Relationship Banking: This account is better for more established small businesses able to maintain a higher balance.
- Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Bank of America Investment Account Promotions
Merrill Edge Investment Account - Up to $1,000 Bonus
Enroll in this offer using offer code 1000PR. Fund your IRA or CMA with at least $20,000 in qualifying net new assets within 45 days of account opening. Enroll in Preferred Rewards within 90 days of funding your account. Maintain the new assets in your account for at least 90 days. Cash reward will be determined by the deposited net new assets in your account.
| Qualifying Net New Asset Balance | Cash Rewards |
|---|---|
| $20,000 - $49,999 | $100 |
| $50,000 - $99,999 | $200 |
| $100,000 - $249,000 | $400 |
| $250,000 or more | $1,000 |
This offer is valid for new and existing individual Merrill IRAs or Cash Management Accounts (CMA).
Merrill Edge Investment Account - Up to $750 Bonus
Open a new qualifying IRA or Cash Management Account (CMA). Use promo code 750ME at account opening. Fund your account with at least $5,000 in qualifying net new assets within 45 days of account opening. Cash reward will be determined by the deposited net new assets in your account.
| Qualifying Net New Asset Balance | Cash Rewards |
|---|---|
| Less than $5,000 | $0 |
| $5,000 - $19,999 | $50 |
| $20,000 - $49,999 | $125 |
| $50,000 - $99,999 | $200 |
| $100,000 - $199,999 | $350 |
| $200,000 or more | $750 |
The Merrill IRA or CMA may be a Merrill Edge Self-Directed account, Merrill Edge Advisory Account, Merrill Guided Investing account or Merrill Guided Investing with an Advisor account.
Merrill Edge Investment Account - Up to $600 Bonus
Open a new qualifying IRA or Cash Management Account (CMA). Use promo code 600ME at account opening. Fund your account with at least $20,000 in qualifying net new assets within 45 days of account opening. Maintain balance for at least 90 days. Cash reward will be determined by the deposited net new assets in your account.
| Qualifying Net New Asset Balance | Cash Rewards |
|---|---|
| Less than $20,000 | $0 |
| $20,000 - $49,999 | $100 |
| $50,000 - $99,999 | $150 |
| $100,000 - $199,999 | $250 |
| $200,000 or more | $600 |
The Merrill IRA or CMA may be a Merrill Edge Self-Directed account, Merrill Edge Advisory Account, Merrill Guided Investing account, or Merrill Guided Investing with an Advisor account.
Get the Most Out of Your Bank of America Checking Accounts
- Get more benefits with Bank of America Preferred Rewards: This program rewards you more as you maintain a higher balance in your combined BofA checking account and/or Merrill Edge® and Merrill Lynch® investment accounts. Here are the different tiers and benefits you get:
- Gold level: Need a 3-month average combined balance of $20,000. You get a 5% interest rate booster on a Bank of America Advantage Savings account, and a 25% bonus on eligible credit cards rewards.
- Platinum level: Need a 3-month average combined balance of $50,000. You get a 10% interest rate booster on a Bank of America Advantage Savings account, a 50% bonus on eligible credit cards rewards, 1 free ATM transaction per month from non-BofA ATMs in the U.S.
- Platinum Honors level: Need a 3-month average combined balance of $100,000. You get a 20% interest rate booster on a Bank of America Advantage Savings account, a 75% bonus on eligible credit cards rewards, unlimited free ATM transactions from non-BofA ATMs in the U.S.
- Diamond Tier: Need a 3-month average combined balance of $1 million (up to $10 million). This tier offers access to unique lifestyle experiences and premium offers.
Each tier also gives you discounts on mortgage fees, auto loan interest rate, and home equity line of credit interest rate. The higher your tier, the larger your discount.
- Look for cash back deals: Bank of America has BankAmeriDeals® that can earn you extra cash back at stores, restaurants, and hotels. All you have to do is sign in to your mobile or online banking, search through the deals, and activate the ones you like. Then when you make a purchase there, use your eligible BofA credit or debit card. You'll automatically get the cash back credited to the account of your choice.
What Banks Give You Money for Switching
Here are popular $200 checking account bonuses for January 2026:
- Horizon Credit Union:
Personal Checking Account - $200 Bonus - USAA Bank:
Personal Checking Account - $200 Bonus - M&T Bank:
Personal Checking Account - $200 Bonus - MIDFLORIDA Credit Union:
Personal Checking Account - $200 Bonus - Chime:
Personal Checking Account - $200 Bonus
Here are popular $300 checking account bonuses for January 2026:
- KeyBank:
Key Smart Checking® - $300 Bonus - Capital One:
Personal Checking Account - $300 Bonus - CommunityAmerica Credit Union:
Personal Checking Account - $300 Bonus - Fifth Third Bank:
Personal Checking Account - $300 Bonus - Regions Bank:
Personal Checking Account - $300 Bonus
HSBC Premier - Earn Up to $7,000
- Send and receive money with Zelle® right from our mobile app
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
- Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
- Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
High-Yield Savings Account - Up to $1,500 Bonus
- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
| Deposit | Cash Bonus |
|---|---|
| $10,000 - $24,999 | $70 |
| $25,000 - $49,999 | $175 |
| $50,000 - $99,999 | $350 |
| $100,000 - $199,999 | $750 |
| $200,000 or more | $1,500 |
- 7-Month CD - 3.25% APY
- 10-Month CD - 2.95% APY
- 13-Month CD - 2.00% APY
- 25-Month CD - 1.75% APY
- 37-Month CD - 0.11% APY
- 1-Month CD - 0.03% APY
- 120-Month CD - 0.03% APY
- Monday -Friday: 8AM - 9PM ET
- Saturday: 9AM - 6PM ET
- Sunday: 8AM - 5PM ET
Highlights
Bank of America Advantage Savings Standard Rate: 0.01% APY
iOS & Android
Approximately 15,000+ ATMs
3,700 financial centers
- Pricing information from published website as of 01/09/2026 based on 91107 zip code.
- For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.
More Information
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| Learn More | Learn More | |
Bank of America | Chase | |
|---|---|---|
Benefits and Features | ||
| Savings | Bank of America Advantage Savings Standard Rate: 0.01% APY |
|
| CD |
| Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
| Checking |  |
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| Mobile App | ||
| ATMs | ||
| Customer Service |
| Automated service available 24/7 |
| IRA CD | | |
| Locations | ||
| Learn More | Learn More | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Bank of America: Pricing information from published website as of 01/09/2026 based on 91107 zip code. Chase: Pricing information and data points from published website as of 12/29/2025. | ||
More Deals to Save Money at Bank of America
7-Month CD - 3.25% APY
Rates are for Northeast Texas (ZIP code 75015), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
7-Month CD - 3.20% APY
Rates are for Southeast Florida (ZIP code 33134), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
10-Month CD - 2.95% APY
Rates are for Northeast Texas (ZIP code 75015), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
10-Month CD - 2.95% APY
Rates are for Southeast Florida (ZIP code 33134), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
13-Month CD - 2.00% APY
Rates are for Southeast Florida (ZIP code 33134), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
13-Month CD - 2.00% APY
Rates are for Northeast Texas (ZIP code 75015), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
25-Month CD - 1.75% APY
Rates are for Southeast Florida (ZIP code 33134), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
25-Month CD - 1.75% APY
Rates are for Northeast Texas (ZIP code 75015), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
37-Month CD - 0.11% APY
Rates are for Southeast Florida (ZIP code 33134), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
37-Month CD - 0.11% APY
Rates are for Northeast Texas (ZIP code 75015), and may vary per location. Rates are for opening deposits of less than $10,000. Annual Percentage Yield (APY) is accurate as of January 9, 2026.
- Minimum Deposit to Open: $1,000
Bank of America Advantage Savings - 0.01% APY
| Account Balance | Standard APY |
|---|---|
| Less than $2,500 | 0.01% |
| $2,500 and over | 0.01% |
Fixed Term IRA CD
- Available terms are 6 - 120 months
- 0.03% APY
- $1,000 minimum opening deposit
- Terms and rate is for Pasadena, California, and may vary per location
Fixed CD
| Term | APY |
|---|---|
| 28 - 89 Days | 0.03% |
| 90 - 179 Days | 3.00% |
| 6 - 120 Months | 0.03% |
Rates are for Pasadena, California, and may vary per location.
Flexible CD
- 12-month term
- 2.50% APY
- $1,000 minimum opening deposit
- Minimum Deposit to Open: $1,000
Bank of America Alternatives
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Minimum Deposit to Open: $0
- Direct Deposit Required: No
- Minimum Deposit Required: None
- When Do You Get It: Within 15 days after completing qualifying activities
- Monthly Fee: $4.95 Monthly Service Fee or $0 when you have $250+ in qualifying electronic deposits during each monthly statement period.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
U.S. Bank Platinum Business Checking - $1,200 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Platinum Business Checking: $1,200 bonus with $25,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
- Minimum Deposit to Open: $100
CIT Bank Platinum Savings - $225 Bonus
- Qualify for a $225 cash bonus with a minimum deposit of $25,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
- When Do You Get It: Bonus fulfillment: 60-days from the funding date
- Monthly Fee: $0
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
- Minimum Deposit to Open: $0
- Monthly Fee: $0
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