CHECKING ACCOUNT
Opening an account online is simple. To get started, you just need to be 18 or older, provide verifiable proof of identity, and have your basic personal details ready. Our secure verification process takes just a few minutes, allowing you to set up your profile and access your routing details instantly.
open your checking account
How to get started
The bank account that provides flexible access with more ways to bank
1. Fill the form
Complete our simple online application form in just a few minutes. Provide your basic details to get the ball rolling.
2. Get pre-qualified
Receive a quick assessment of your account options. Our instant check won't impact your credit score.
3. Verify your ID
Securely upload a photo of your driver's license or passport to instantly confirm your identity.
4. Enjoy our banking
Your new account is ready! Log into online banking, set up your digital wallet, and start managing your money.
Create current accounts for all your needs
Plus peace of mind that your money is safe and secure, with our 100% Security Guarantee.
open your checking account
How to get started
Choose the right account for you. Find the perfect fit for your daily spending and saving goals.
Smart Checking Account
Advantage Checking Account
Privilege Checking Account
preferred rewards
Features included with your checking account
Fraud protection
Fraud protection
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.
Mobile deposits
Mobile deposits
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.
Smart Budgeting Tools
Smart Budgeting Tools
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.
Debit card controls
Debit card controls
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.
Custom alerts
Custom alerts
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.
Fast, secure sign-in
Fast, secure sign-in
Need to access your money on the go? Securely sign in to your Mobile Banking app using biometric features like fingerprint or facial recognition on your device.
Banking
Banking
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.
Fast, secure sign-in
Fast, secure sign-in
Need to access your account quickly? Sign in to the Bank of America Mobile Banking app using the fingerprint feature on your mobile device.
Frequently asked questions
Need help setting up or using your digital accounts? Find quick answers to common online and mobile banking questions below.View more Q&A here
I'm having trouble accessing my account online. What should I do?
First, ensure your login details are correct. If you forgot your password, click the “Forgot Password” link on the login screen to reset it securely. If your account is locked, please contact our digital support desk.
Can I deposit checks through the mobile app?
Yes! Simply log into the mobile app, select “Deposit Check,” take a clear photo of the front and back of your endorsed check, and follow the on-screen instructions.
How do I dispute a charge on my account?
You can easily dispute a pending or posted transaction by selecting the specific item in your transaction history, clicking “Report an Issue,” and following the guided prompts.
Is mobile banking secure?
Yes, our platform uses advanced multi-factor authentication, data encryption, and biometric login options to ensure your personal and financial information remains fully protected.
How do I activate a card?
You can instantly activate your new physical card directly within the mobile app or online dashboard by navigating to the “Cards” tab, choosing “Activate Card,” and entering your details.