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Your employer has teamed up with Bank of America

Two important things in life are staying on track with your finances and achieving your goals. That's why your employer is pleased to offer you the Bank of America at Work® benefit program.

This employee benefit program provides convenient, reliable and secure solutions—including interactive, state-of-the-art support and financial tools—to help you manage your money. Plus, you’ll have security features to give you greater peace of mind.

Convenience

For starters, opening a Bank of America checking account is simple. You gain quick access to your finances, control your money 24-7 from just about anywhere in the world—keeping track of it online, by mobile phoneGo to footnote 1 or even textGo to footnote 2.

Learn more about convenience Learn more >>

Reliability

Saving money is one thing. But having a reliable resource at your side is an irreplaceable benefit. So whether you're pursuing a long or short-term savings program or a retirement account, we'll ensure that you're on the right path with helpful tools and services. We'll get you started—and help keep you saving.

Learn more about reliability Get details >>

Security

Offering security is key. We provide the tools to help you monitor your accounts—and to stay abreast of your finances so you're in control.

Learn more about security Find out how >>

Ready? Get started with the Bank of America at Work Program Get started now.


return to superscript 1 To access Online or Mobile Banking, you must enroll in the service. Once enrolled, the same Online ID and passcode can be used to access both Online and Mobile Banking. View the Online Banking Service Agreement. Opens a new window. for more information about both Mobile and Online Banking. Wireless carrier fees may apply. Enrollment not available through the Mobile App on all devices.

return to superscript 2 Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply.

Some accounts, services, and fees vary from state to state. Please review the Personal Schedule of Fees for your state, available at Link opens in a new window. www.bankofamerica.com/feesataglance and your local Banking Center.

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment Products:

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value

MLPF&S is a registered broker-dealer, Member Link opens in a new window.SIPC and a wholly owned subsidiary of Bank of America Corporation.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

© 2014 Bank of America Corporation. All rights reserved.

Your employer has teamed up with Bank of America.

We can all agree that two important things in life are staying on track with your finances—and achieving your goals. That's why your employer is pleased to offer you the Bank of America at Work® and Employee Home Loan programs.

This employee benefit program provides convenient, reliable and secure solutions—including interactive, state-of-the-art support and financial tools—to help you manage your money. Plus, industry-leading security features to give you greater peace of mind.

Convenience

For starters, opening a Bank of America checking account is simple. And once you're up and running, you gain immediate access to your finances: control your money 24-7 from just about anywhere in the world—keeping track of it online, by mobile phoneGo to footnote 1 or even textGo to footnote 2.

Learn more about convenience Learn more >>

Reliability

Saving money is one thing. But having a reliable resource at your side is an irreplaceable benefit. So whether you're pursuing a long or short-term savings program or a retirement account, we'll ensure that you're on the right path with helpful tools and services. We'll get you started—and help keep you saving.

Learn more about reliability Get details >>

Security

Offering security is key. We provide the tools to help you monitor your accounts—and to stay abreast of your finances so you’re in control.

Learn more about security Find out how >>

Ready? Get started with the Bank of America at Work Program Get started now.


return to superscript 1 Web access is needed to use Mobile Banking. Check with your wireless carrier for fees that may apply. Mobile Banking is available to Online Banking enrollees only. All terms applicable to Online Banking apply to Mobile Banking. Must have Transfers and Bill Pay set up previously in Online Banking to use these functions in Mobile Banking.

return to superscript 2 Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply.

return to superscript * Customer will receive their Visa®Reward Card 4-6 weeks after loan closing. Employee must have a checking account open with Bank of America by close of loan in order to receive the Visa Reward Card. Offer limited to purchase or refinance loans of $100,000 or greater. To receive offer, employees must start the loan process by calling the dedicated toll-free number above, or by applying online through the Relocation and Corporate Services Division website, and employee’s first lien purchase or refinance loan must fund through Bank of America’s Relocation and Corporate Services Division. Only one discount offer per customer per loan. Nontransferable, cannot be combined with any other discount program or offer.

Program terms and conditions subject to change. Call for details and availability. Guidelines subject to change without notice. This offer cannot be combined with any other offer. Limit one offer per customer per loan transaction. To the extent required by law, Bank of America will report the value of the gift card to the IRS on Form 1099. Circular 230---Any U.S. federal tax advice included in this communication was not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal tax penalties. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Some accounts and services, and the fees that apply to them, vary from state to state. Please review the information for your state in the Personal Schedule of Fees (at Link opens in a new window. www.bankofamerica.com/feesataglance or at your local Banking Center) and in the Online Banking Service Agreement at Link opens in a new window. www.bankofamerica.com/serviceagreement

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment Products:

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value

MLPF&S is a registered broker-dealer, Member Link opens in a new window.SIPC and a wholly owned subsidiary of Bank of America Corporation.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

© 2014 Bank of America Corporation. All rights reserved.

Your employer has teamed up with Bank of America.

We can all agree that two important things in life are staying on track with your finances—and achieving your goals. That's why your employer is pleased to offer you the Bank of America at Work® and Employee Home Loan programs.

This employee benefit program provides convenient, reliable and secure solutions—including interactive, state-of-the-art support and financial tools—to help you manage your money. Plus, industry-leading security features to give you greater peace of mind.

Convenience

For starters, opening a Bank of America checking account is simple. You gain immediate access to your finances: keep track of your money 24-7 from just about anywhere you are—keeping track of it online, on your computer or even by textGo to footnote 2.

Learn more about convenience Learn more >>

Reliability

Saving money is one thing. But having a reliable resource at your side is an irreplaceable benefit. So whether you’re pursuing a long or short-term savings program or a retirement account, we'll ensure that you're on the right path with helpful tools and services. We'll get you started—and help keep you saving.

Learn more about reliability Get details >>

Security

Offering security is key. We provide the tools to help you monitor your accounts—and to stay abreast of your finances so you're in control.

Learn more about security Find out how >>

Ready? Get started with the Bank of America at Work Program Get started now.


return to superscript 1 Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply. Accounts located in WA and ID must be enrolled in Online Banking to use Text Banking

return to superscript * $500 closing cost credit offer limited to purchase or refinance loans of $100,000 or greater. To receive offer, employees must start the loan process by calling the dedicated toll-free number above, or by applying online through the Relocation and Corporate Services Division Web site, and employee's first lien purchase or refinance loan must fund through Bank of America's Relocation and Corporate Services Division. Only one discount offer per customer per loan. Nontransferable, cannot be combined with any other discount program or offer. Program terms and conditions subject to change. Call for details and availability. Guidelines subject to change without notice.

Some accounts and services, and the fees that apply to them, vary from state to state. Please review the information for your state in the Personal Schedule of Fees (at Link opens in a new window. www.bankofamerica.com/feesataglance or at your local Banking Center) and in the Online Banking Service Agreement at Link opens in a new window. www.bankofamerica.com/serviceagreement

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment Products:

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value

MLPF&S is a registered broker-dealer, Member Link opens in a new window.SIPC and a wholly owned subsidiary of Bank of America Corporation.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

© 2014 Bank of America Corporation. All rights reserved.

Products & Benefits


Bank of America at Work® Products & Benefits

Checking and Savings Options tab

Your employer has teamed up with Bank of America to offer you convenient, reliable and secure solutions to help you manage your money and achieve your financial goals. When you open a new Bank of America checking account, you can bank anytime, anywhere you want.

You'll be able to take advantage of:

  • Direct Deposit, so you know your paycheck will be available the day it is deposited

  • Convenient access to thousands of Bank of America ATMs and Banking Centers coast to coast

  • A debit card that comes with a $0 Liability GuaranteeGo to footnote 1

  • Optional Overdraft Protection to help you reduce overdraft fees and avoid declined debit card transactionsGo to footnote 2

  • Online Banking and Mobile Banking give you secure access to your accounts wherever you areGo to footnote 3

  • Bill Pay to help you pay your bills in minutes from one simple site

  • Alerts that help you track your balance and account activityGo to footnote 4

  • Keep the Change® savings program to make it easy to build your savings automatically each time you make a purchase with your debit cardGo to footnote 5

  • Financial Education resources like credit management strategies, saving tips, budgeting tools and more

  • Certificate of Deposits (CDs) that allow you to choose from a variety of terms to meet your time horizon



Credit Cards tab

BankAmericard Cash Rewards™ credit cardGo to footnote 1

Earn 1% cash back on every purchase, with no limits on how much you can earn. Earn a total of 2% cash back at grocery stores and 3% cash back on gas purchases. Grocery store and gas bonus rewards apply to the first $1,500 in combined purchases in these categories each quarterGo to footnote 2. Plus earn a 10% customer bonus when you redeem into a Bank of America® checking or savings account. Redeem cash rewards as a statement credit or as a direct deposit into a Bank of America checking or savings account.

Apply for the BankAmericard® Power Rewards® Visa® card. Link opens in a new window. Apply now or visit your local banking center



Home Loans tab

Mortgages: Find the mortgage that's right for you

Whether you're a first-time homebuyer or looking to buy your next home, we're here to answer your questions so you have a clear understanding of what you're getting and what you can comfortably afford.


Refinance: Ready to refinance your home?

Whether you're looking to lower your monthly mortgage payment or switch to a fixed rate loan for predictable monthly payments, our expert mortgage loan officers can give you the information you need.

For more information call us today at 1.888.895.2911 or Visit here to read more about refinancing your home. Link opens in a new window. visit here.



Auto Loans tab

Auto loan discounts from Bank of America

As a valued member of the Bank of America Bank at Work program, you can earn a 0.15% discount toward your final Annual Percentage Rate on any auto loan.

Auto Financing

If you’re shopping for a new car, used car, looking to refinance an existing car loan, purchase from an individual, or buyout your lease, Bank of America can help you get on the road easily and quickly. Save money with our competitive rates and be confident with electronic funding and dedicated customer service.

Our secure application takes just minutes and offers:

  • Quick access to funds in as little as 24 hoursGo to footnote *

  • Rates valid for 30 days

  • Approvals valid for 60 days

  • Discounts for eligible Bank of America customers

  • Enrollment in online banking makes it easy to manage your payments

To check auto rates in your state, click here Auto Loan Rates. Opens a new window.

Applying is simple. Be sure to use promotional code BAW to receive your 0.15% APR discount.

 Get Started with Auto Financing. Opens a new window.



Anytime Banking tab

Online Banking

Get 24-hour access to available account balances and activity, set-up account Alerts to be sent to your e-mail or mobile phoneGo to footnote 1, choose to sign-up for paperless statements and get Overdraft Protection by linking your checking account to a savings or other account.Go to footnote 2 Plus, use Bill Pay to pay your bills in minutes from one simple site.

Get details about online banking. Link opens in a new window. Get details


Mobile BankingGo to footnote 3

You can access your Online Banking account through your cell phone’s mobile web browser at Link opens in a new window. bofa.mobi. Check available balances, transfer fundsGo to footnote 4 and locate ATM and banking centers, along with maps and directions. You can also use Bill Pay to pay your bills in minutes from one simple site.

Learn more about Mobile Banking. Link opens in a new window. Learn more


Text BankingGo to footnote 5

Allows you to quickly request account balance and transaction information on your checking, savings, and credit card accounts through text messaging. Enroll through Online Banking or by calling 1.800.604.9961.

Learn more about Text Banking. Link opens in a new window. Explore now



Insurance tab

Homeowners insurance

We can help make it convenient and simple for you to find homeowners insurance to meet your needs.

Call today at 1.800.262.4240 to reach a licensed insurance agent at Banc of America Insurance Services, IncGo to footnote1* to receive a competitive homeowners insurance quote or to Link opens in a new window. learn more.

Link opens in a new window. State license information

Return to superscript 1Insurance products offered through Banc of America Insurance Services, Inc. (“BAISI”):

  • Are Not FDIC Insured

  • Are Not Bank Guaranteed

  • Are Not Deposits

  • Are Not Insured by Any Federal Government Agency

  • May Be Purchased From Any Agent or Company



IRA/Retirement tab

No Annual Fee IRAsGo to footnote 1

Bank of America IRAs provide tax advantages for long term retirement savings and are FDIC insured. They also offer the flexibility to choose your own term and the security of a guaranteed rate for the term of the CD.

Learn more about no-fee IRAs . Link opens in a new window. Learn more


Financial Education

Manage your money better with help from our Financial Education Tools. Visit Link opens in a new window. bankofamerica.com/solutions for access to budgeting tools with downloadable spreadsheets; interactive tools to help you assess and plan your financial situation; and videos addressing subjects such as rethinking family finances in a recession

Investments Services from Merrill Edge tab

Merrill Edge® Investing

Merrill Edge is a streamlined investment service that gives you the investment insights of Merrill Lynch and the convenience of Bank of America banking to help simplify your financial life.


Merrill Edge Self-Directed Investing

Simple flat-rate pricing - $6.95 per online equity and ETF trade with no balance minimums, no trade minimumsGo to footnote 1.

Open an account. Link opens in a new window. Open an account | Learn more. Link opens in a new window. Learn more


Merrill Edge Advisory Center™

Receive investment guidance from licensed Merrill Edge Financial Solutions Advisors™ to help you invest with confidence. Talk to a Merrill Edge Financial Solutions Advisor now at 1.888.609.4650; Mon-Fri 8AM to 11PM ET.

Schedule a consultation. Link opens in a new window. Schedule a consultation | Learn more about the Merrill Edge Advisory Center™. Link opens in a new window. Learn more


Frequently Asked Questions


Bank of America at Work® FAQs

Participation Requirements

Eligibility

Combination with other offers


Is direct deposit needed in order to be eligible for the checking benefits?
Yes. Direct deposit of pay is needed to take advantage of your checking benefits. It's easy to get started, and quite convenient. Simply let your employer know that you would like direct deposit into your new checking account.

Since direct deposit is required, do I have to have it set up before I open my account?
We can proceed with opening your account before your direct deposit is set up. You'll need to know your account number for the direct deposit set up.

What happens if I leave my company? Will I still be eligible for the Bank of America at Work program?
You need to be employed with a participating company to take advantage of the program. Your benefits will expire upon termination of employment.

Can I open my Bank of America at Work account online?
Yes. To receive your special discounts and savings, you can open your checking, savings, CD or IRA account online from the Bank of America at Work site. Or you can call 1.800.782.2265 or visit a banking center to open any accounts or apply for a loan. Be sure to specify that you are a Bank of America at Work customer.

Is my spouse eligible for a discounted account?
The benefits are intended for the employees of your company only. However, your spouse can be a joint account holder on your discounted accounts as long as you are the primary account holder.

I received a special loan rate offer from Bank of America in the mail. Can I combine this special loan rate coupon with my Bank of America at Work loan offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

I received a special home equity line of credit rate offer from Bank of America in the mail. Can I combine this offer with my Bank of America at Work home equity line discount?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Can I combine other mortgage offers with the Bank of America at Work offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Can I combine other certificate of deposit (CD) offers with the Bank of America at Work offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Special Offers


Get a $100 bonusGo to footnote *

For a limited time, after you open a personal checking account with direct deposit

To get your personal checking account and a $100 bonus, just follow the steps below:

  1. Fill out our easy online application using Offer Code BAW100N by 6/30/2014.

  2. Set up and receive qualifying direct deposits totaling $2,000 every 30 days from account opening date for 90 days.Go to footnote * Learn how to set up Direct Deposit. Link opens in a new window. Learn how

  3. After you complete these steps and we determine your account is eligible, we’ll deposit $100 into your new checking account.

Remember to enter Offer Code BAW100N when you open your account online to get your $100 bonus.

Open a MyAcccess checking account. Link opens in a new window. Open an Account


Special Offers


Home Loan Program from Bank of America

Whether you're a first-time homebuyer, or looking to refinance your current home, we're here to answer your questions so you have a clear understanding of what you're getting and what you can comfortably afford so you can choose the mortgage that is right for you.

At Bank of America Home Loans, you can take advantage of benefits that include:

  • Helpful resources like our Clarity Commitment® document Go to footnote 1

  • Competitive rates and fees

  • A wide variety of loan programs

For more information, speak to a mortgage loan officer Find a mortgage loan officer. Link opens in a new window.near you or call 1-888-895-2911.

Calculators and tools:

Use the interactive home loan guide. Link opens in a new window. Interactive home loan guide
Use the mortgage payment calculator. Link opens in a new window. Mortgage payment calculator
Use the closing costs estimator. Link opens in a new window. Closing costs estimator
Use the refinance calculator. Link opens in a new window. Refinance calculator
Use the budget affordability tool. Link opens in a new window. Budget affordability tool


Special Offers


Get a 0.15% discount

Off your Annual Percentage Rate on any auto loan.

Auto loan discounts from Bank of America

As a valued member of the Bank of America Bank at Work program, you can earn a 0.15% discount toward your final Annual Percentage Rate on any auto loan by following these steps below:

  1. Fill out our easy, secure, online application. Be sure to use promotional code BAW to receive your 0.15% APR discount.

  2. Your discount will automatically be applied to the rate if you are approved for a loan. Approvals and rates are good for 30 days.

To check auto rates in your state, click here Auto Loan Rates. Opens a new window. or apply now on Auto Financing. Opens a new window.

For additional information about this offer, see the products & benefits section of this website.

Products & Benefits


Bank of America at Work® Products & Benefits

eBanking

Ideal if you do most of your banking online and at the ATM, instead of with a teller.Go to footnote *

Monthly service charge waived when:

  • Deposits and withdrawals are made electronically or at our ATMs
  • AND

  • You choose online paperless statements through Online Banking

Otherwise, $8.95 per month


MyAccess Checking®

A full-service checking solution that offers a variety of choices and a host of extrasGo to footnote 1

Monthly service charge waived if you:

  • Make at least one qualifying direct deposit of $250 or more each statement period
  • OR

  • Maintain an average balance of $1,500

Otherwise, $12 per month


Prima® with Tiered Interest Checking

Cost-saving advantages for customers who keep a high monthly balance.

Monthly service charge waived if you:

  • Maintain a $10,000 combined deposits balance (checking with linked savings, CDs, IRAs)
  • OR

  • Have a $15,000 outstanding balance on a linked Installment Loan, Line of Credit, or any balance on a linked first mortgage
  • OR

  • Maintain $15,000 in combined assets in linked brokerage accounts

Otherwise, $25 per month


Second Checking Account

Second Regular Checking account with no monthly service charge when your primary account is a MyAccess Checking® account


Savings

Open a Regular Savings account with as little as $25. You can avoid the monthly service charge with an automatic monthly transfer of $25 or more from checking or with your minimum balance of $300. Transfer money from your savings account to your checking account easily, or vice versa. Receive a monthly statement if you use an ATM or have transfers or a combined statement. Otherwise, you’ll receive a quarterly statement. Enjoy easy account access at any Bank of America ATM and Banking Center.

Keep the Change®

Enroll in the Keep the Change program Go to footnote 2 and we round up the amount of purchases made with your debit card to the next whole dollar and transfer the difference from your checking account to your savings account. We will match 100% of your Keep the Change transfers for the first three months to get you started. The maximum total match is $250.

Certificate of DepositGo to footnote 3

Receive the certainty of a guaranteed rate for the term of the CD and peace of mind with FDIC insurance up to applicable limits. CD's offer flexibility to choose from a variety of terms that meet your time horizon.



Eligibility for Bank of America at Work terminates when (a) you terminate your relationship with the sponsoring company or organization or (b) the sponsoring company's or organization's Bank of America at Work plan is terminated by either the company or organization or Bank of America, at which time rates and fees will revert to the current rates and fees as stated in the Personal Schedule of Fees.

return to superscript * eBanking is for customers who like to use self-service options (such as ATMs and Online Banking). With eBanking, you can avoid the monthly service charge by using self-service options for your deposits and withdrawals, and by choosing to receive account statements electronically through Online Banking instead of getting a paper statement. An $8.95 monthly service charge applies to each statement cycle during which a teller or other bank representative helps you (or someone who makes a deposit or withdrawal for you) with a deposit or withdrawal, or for which we send you a paper statement. Please see our Personal Schedule of Fees or contact a bank associate for more information.

return to superscript 1 MyAccess Checking® has no monthly service charge with at least one qualified direct deposit of $250 or more or an average daily balance of $1,500, during each monthly statement cycle.

return to superscript 2 Upon enrollment, we will round up your MasterCard or Visa debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America® savings account. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for Small Business debit cards.

return to superscript 3 As a Bank of America at Work customer, you receive a bonus of 0.25% added to our standard rate for the initial term of a new CD. Bonus does not apply to CD renewals or CD accounts opened in CA as the bonus rate is already reflected in the stated rates for this state. At maturity, CD's renew automatically at the then applicable interest rate, which may be different from the initial interest rate.


Bank of America, N.A. Member FDIC ©2012 Bank of America Corporation.

Money Orders and Cashier Checks

No purchase fee with auto debit


Safe Deposit Box RentalGo to footnote 1

Discounted Annual fee through the Bank of America at Work® program. Ask an associate at your nearest Banking Center for details.



return to superscript 1 Discounts and pricing vary depending on the state where the account is opened. Ask an associate at your nearest Banking Center for details.

BankAmericard Cash Rewards Visa® cardGo to footnote 1

Earn 1% cash back on every purchase, with no limits on how much you can earn. Earn a total of 2% cash back on grocery and 3% cash back on gas purchases (quarterly maximum applies to bonus rewards on grocery and gas purchases)Go to footnote 2. Redeem for cash back starting at $25. Plus earn a 10% customer bonus when you redeem into a Bank of America® checking or savings account. Redeem cash rewards as a statement credit, as a direct deposit into any checking or savings account, as a check or towards an eligible mortgage.

Apply for the BankAmericard® Power Rewards® Visa® card. Link opens in a new window. Apply now or visit your local banking center



return to superscript 1 For information about the rates, fees, other costs and benefits associated with these cards, click on apply now or please visit a banking center and speak to an associate. This credit card program is issued and administered by FIA Card Services, N.A. Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc. BankAmericard Cash Rewards is a trademark and Bank of America at Work, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.
return to superscript 2 The 2% cash back on grocery purchases and 3% cash back on gas purchases applies to the first $1,500 in combined purchases in these categories each quarter. After that, the base 1% earn rate applies to those purchases.

Mortgages: Find the mortgage that's right for you

Whether you're a first-time homebuyer, or looking to buy your next home, we're here to answer your questions so you have a clear understanding of what you're getting and what you can comfortably afford.

Learn more about mortgages. Link opens in a new window. Learn more


Refinance: Ready to refinance your home?

Whether you're looking to lower your monthly mortgage payment or switch to a fixed rate loan for predictable monthly payments, our expert mortgage loan officers can help you decide.

Read more about refinancing your home. Link opens in a new window. Read more

Learn more about refinancing your home. Link opens in a new window. Learn more or visit your local banking center.



Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

Auto, RV and boat loan discounts from Bank of America

As a valued member of the Bank of America Bank at Work program, you can earn a 0.15% discount toward your final Annual Percentage Rate on any auto, RV or boat loan.

Auto Financing

If you’re shopping for a new car, used car, looking to refinance an existing car loan or buyout your lease, Bank of America can help you get on the road easily and quickly. Save money with our competitive rates and be confident with electronic funding and dedicated customer service.

Our secure application takes just minutes and offers:

  • Quick access to funds in as little as 24 hours*
  • Rates valid for 30 days
  • Approvals valid for 30 days
  • Discounts for eligible Bank of America customers
  • Enrollment in online banking makes it easy to manage your payments

To check auto rates in your state, click here Auto Loan Rates

Applying is simple. Be sure to use promotional code BAW to receive your 0.15% APR discount.

Get Started with Auto Financing

RV and boat financing

Get out in nature sooner with our online financing, starting with competitive fixed rates and proceed with our fast online application. Arrive at funding that fits your budget and approvals that are valid for 60 days*.

Our secure, ­ application offers:

  • Competitive fixed rates and terms
  • 20 year terms on loans over $100,000
  • Special refinance options for new and existing customers
  • Multi-vehicle loan discount


To check recreational vehicle rates in your state, click here RV Loan Rates

To check boat rates in your state, click here Boat Loan Rates

Applying is simple. Be sure to use promotional code BAW to receive your 0.15% APR discount.

Get started and receive your 0.15% discount



*Funds may not be available within 24 hours for refinance and lease buyout options.

**Rates valid for 30 days; Approval good for 60 days from date of original approval.

Online Banking

Get 24-hour access to available account balances and activity, set-up account Alerts to be sent to your e-mail or mobile phone, choose to sign-up for paperless statements and get Overdraft Protection by linking your checking account to a savings or other account. Use optional Bill Pay to pay your bills in minutes from one simple site.

Get details about online banking. Link opens in a new window. Get details>>


Mobile BankingGo to footnote 1

You can access your Online Banking account through your cell phone’s mobile web browser at Link opens in a new window. bofa.mobi. Check available balances, transfer funds and locate ATM and banking centers, along with maps and directions. You can also use optional Bill Pay to pay your bills in minutes from one simple site.

Learn more about Mobile Banking. Link opens in a new window. Learn more>>


Text BankingGo to footnote 2

Allows you to quickly request account balance and transaction information on your checking, savings, and credit card accounts through text messaging. Enroll through Online Banking or by calling 1.800.604.9961.

Learn more about Text Banking. Link opens in a new window. Explore now>>



return to superscript 1 Web access is needed to use Mobile Banking. Check with your wireless carrier for fees that may apply. Mobile Banking is available to Online Banking enrollees only. All terms applicable to Online Banking apply to Mobile Banking. Must have Transfers and Bill Pay set up previously in Online Banking to use these functions in Mobile Banking.

return to superscript 2 Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply.

No Annual Fee IRAsGo to footnote 1

Provide tax advantages for long term retirement savings and are FDIC insured. They also offer the flexibility to choose your own term and the security of a guaranteed rate for the term of the CD.

Learn more about no-fee IRAs . Link opens in a new window. Learn more


return to superscript 1 No annual fee for Bank of America, N.A. FDIC IRAs (CDs or money market savings accounts.) Other transaction fees may apply.

Manage your money better with help from our Financial Education Tools. Visit Link opens in a new window. bankofamerica.com/solutions for access to budgeting tools with downloadable spreadsheets; interactive tools to help you assess and plan your financial situation; and videos addressing subjects such as rethinking family finances in a recession.

Merrill Edge® Investing

Merrill Edge gives you the choice to invest on your own or with team-based professional guidance.


Merrill Edge Self-Directed Investing

Merrill Edge self-directed investing can help you manage your finances with the added benefit of online equity and ETF trades for as little as $0Go to footnote 1.

Open an account. Link opens in a new window. Open an account | Learn more. Link opens in a new window. Learn more


Merrill Edge Advisory Center™

The Merrill Edge Advisory Center offers team-based guidance across all your investment needs.

Talk to a Merrill Edge Financial Solutions Advisor now at 1.888.609.4650; Mon-Fri 8AM to 11PM ET.

Schedule a consultation. Link opens in a new window. Schedule a consultation | Learn more about the Merrill Edge Advisory Center™. Link opens in a new window. Learn more


Please remember there's always the potential of losing money when investing in securities.

return to superscript 1 This offer and investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).Banking products provided by Bank of America, N.A., Member FDIC.

This offer is available with an individual or joint Merrill Edge self-directed brokerage account. MLPF&S waives its commission fee for as many as 30 online equity trades each month for self-directed brokerage customers who meet any one of the following criteria:

a. A combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. When you make an online equity trade, MLPF&S determines whether you meet the balance requirement to qualify that trade for the commission fee waiver. MLPF&S adds the average collected balances in your checking and savings accounts as of the prior month to the balances in your CD and FDIC-insured IRA accounts as of the prior business day. If this calculation reflects a combined total of less than $25,000, MLPF&S then makes a second calculation to see if the trade qualifies by adding the balances in your checking, savings, CD and FDIC-insured IRA accounts as of the prior business day.

b. A combined balance of $25,000 or more in cash balances in one of the following sweep options in your Merrill Edge self-directed account(s) as of the prior business day:

  • Bank Deposit Accounts sweep option with your CMA
  • Retirement Assets Savings Program (RASP) sweep with your IRA

If this balance is less than $25,000, MLPF&S then makes a second calculation to see if your average collected balance as of the prior month reflects a total of $25,000 or more to determine whether you meet the balance requirements to qualify for the commission fee waiver.

Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Commission fees for online equity trades depend on your total relationship with Bank of America and Merrill Lynch and apply when the balance requirement is not met, or when you exceed 30 qualifying trades a month.

To determine the 30-trade limit, MLPF&S adds the qualifying trades in your individual accounts and in each joint account for which you are the account owner. Deposit accounts with the same social security number as the social security number(s) on the self-directed brokerage account are systematically included in the balance determination. Deposit accounts maintained with the Military Bank of Bank of America, N.A. are not systematically included in the balance determination.

Other brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request and termination apply. Deposit fees apply to deposit accounts.

Relationship requirements and pricing are subject to change.

This offer applies only to self-directed brokerage accounts held at Merrill Edge. Offers available through other Merrill Lynch services may vary in terms and conditions. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Frequently Asked Questions


Bank of America at Work® FAQs

Participation Requirements

Eligibility

Combination with other offers


What happens if I leave my company? Will I still be eligible for the Bank of America at Work program?
Yes. Direct deposit of pay is needed to take advantage of your checking benefits. It's easy to get started, and quite convenient. Simply let your employer know that you would like direct deposit into your new checking account.

Since direct deposit is required, do I have to have it set up before I open my account?
We can proceed with opening your account before your direct deposit is set up. You'll need to know your account number for the direct deposit set up.

What happens if I leave my company? Will I still be eligible for the Bank of America at Work program?
You need to be employed with a participating company to take advantage of the program. Your benefits will expire upon termination of employment.

Can I open my Bank of America at Work account online?
Yes. To receive your special discounts and savings, you can open your checking, savings, CD or IRA account online from the Bank of America at Work site. Or you can call 1.800.782.2265 or visit a banking center to open any accounts or apply for a loan. Be sure to specify that you are a Bank of America at Work customer.

Is my spouse eligible for a discounted account?
The benefits are intended for the employees of your company only. However, your spouse can be a joint account holder on your discounted accounts as long as you are the primary account holder.

I received a special loan rate offer from Bank of America in the mail. Can I combine this special loan rate coupon with my Bank of America at Work loan offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

I received a special home equity line of credit rate offer from Bank of America in the mail. Can I combine this offer with my Bank of America at Work home equity line discount?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Can I combine other mortgage offers with the Bank of America at Work offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Can I combine other certificate of deposit (CD) offers with the Bank of America at Work offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Special Offers


Get a $50 bonusGo to footnote *

For a limited time, after you open a personal checking account with direct deposit

To get your personal checking account and a $50 bonus, just follow the steps below:

  1. Fill out our easy online application using Offer Code GROUP50.

  2. Set up a qualifying Direct Deposit into your new checking account within 60 days of account opening. Learn how to set up Direct Deposit. Link opens in a new window. Learn how.

  3. Receive your $50 bonus, directly deposited to your new checking account, within 120 days once qualifications are met.

Remember to enter Offer Code GROUP50 when you open your account online to get your $50 bonus.

Open a MyAcccess checking account. Link opens in a new window. Open an Account


return to superscript * Offer expires 07/31/2012. Bank of America may terminate the offer before that date. To receive the offer, you must open a qualifying new personal checking account through the Bank of America at Work® program and set up qualifying direct deposit into your checking account within 60 days of account opening. You must use the Offer Code GROUP50 in order to qualify for this offer. Limit one incentive per customer. The new customer must not be a current personal checking customer and the new checking account must remain open until we can verify its eligibility, which generally takes no more than 120 days. The new customer is not eligible for this offer if they were a signer on a Bank of America checking account that was closed within the last three months. All accounts are subject to our normal approval process. Offer does not apply to second or multiple accounts. This offer cannot be combined and is not eligible with other offers. The minimum deposit required to open a new Bank of America checking account and receive this offer is subject to normal opening deposit requirements of the specific account being opened. For example, the minimum opening deposit for some non-interest-bearing Bank of America checking accounts is $25. Account must be in good standing at the time of qualification. Customer will receive $50 after verification of qualification in the incentive program. We generally direct deposit the incentive into the new Bank of America checking account within 120 days of account opening. If for any reason we are unable to successfully direct deposit the funds, a check will be issued. We may report to the IRS the value of any premium and applicable taxes are the responsibility of the recipient. We offer a variety of interest-bearing and non-interest-bearing personal checking accounts. For Tiered Interest personal checking accounts, the minimum balance to open is $100 and the Annual Percentage Yields (APYs) are as follows: less than $10,000, 0.05%; $10,000-$99,999, 0.08% and $100,000 and over, 0.10% as of 11/22/2011. The rate may change after the account is opened or anytime after this date. Fees could reduce the earnings on the account. Please consult a banking center associate, visit bankofamerica.com or see our Personal Schedule of Fees for more information. Reproduction, purchase or sale of this offer is prohibited. Eligibility for the Bank of America at Work® program terminates when (a) you terminate your relationship with the sponsoring company or organization or (b) the sponsoring company’s or organization’s Bank of America at Work® program plan is terminated by either the company or organization or Bank of America, at which time rates and fees will revert to the current rates and fees as stated in the Personal Schedule of Fees.

Special Offers


Employee Home Loan Program
from Bank of America

Special Mortgage Benefits Just For You

Bank of America Home Loans is proud to offer you a $300 Visa®Reward Card after loan closingGo to footnote 1.

Whether you're a first-time homebuyer, or looking to refinance your current home, we're here to answer your questions so you have a clear understanding of what you're getting and what you can comfortably afford so you can choose the mortgage that is right for you.

At Bank of America Home Loans you can take advantage of benefits that include:

  • $300 Visa®Reward Card after loan closingGo to footnote 1.

  • Helpful resources like our Clarity Commitment® documentGo to footnote 2

  • Competitive rates and fees

  • A wide variety of loan programs

  • Personal service from a dedicated team

For more information call us today at 1.888.895.2911 or learn more about ehlp. Link opens in a new window. learn more.

Calculators and tools:

Use the interactive home loan guide. Link opens in a new window. Interactive home loan guide
Use the down payment calculator. Link opens in a new window. Down payment calculator
Use the mortgage payment calculator. Link opens in a new window. Mortgage payment calculator
Use the closing costs estimator. Link opens in a new window. Closing costs estimator



Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

return to superscript 1 Customer will receive their Visa®Reward Card 4-6 weeks after loan closing. Employee must have a checking account open with Bank of America by close of loan in order to receive the Visa Reward Card. Offer limited to purchase or refinance loans of $100,000 or greater. To receive offer, employees must start the loan process by calling the dedicated toll-free number above, or by applying online through the Relocation and Corporate Services Division website, and employee’s first lien purchase or refinance loan must fund through Bank of America’s Relocation and Corporate Services Division. Only one discount offer per customer per loan. Nontransferable, cannot be combined with any other discount program or offer.

Program terms and conditions subject to change. Call for details and availability. Guidelines subject to change without notice. This offer cannot be combined with any other offer. Limit one offer per customer per loan transaction. To the extent required by law, Bank of America will report the value of the gift card to the IRS on Form 1099. Circular 230---Any U.S. federal tax advice included in this communication was not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal tax penalties. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

return to superscript 2 The Clarity Commitment® summary is provided as a convenience, does not serve as a substitute for a borrower's actual loan documents, and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided.

Special Offers


Get a 0.15% discount

Off your Annual Percentage Rate on any auto, RV or boat loan.

Auto, RV and boat loan discounts from Bank of America

As a valued member of the Bank of America Bank at Work program, you can earn a 0.15% discount toward your final Annual Percentage Rate on any auto, RV or boat loan by following these steps below:

  1. Fill out our easy, secure, online application. Be sure to use promotional code BAW to receive your 0.15% APR discount.

  2. Your discount will automatically be applied to the rate if you are approved for a loan. Approvals and rates are good for 30 days.

To check auto rates in your state, click here Auto Loan Rates or apply now

To check recreational vehicle rates in your state, click here RV Loan Rates or apply now

To check boat loan rates in your state, click here Boat Loan Rates or apply now

For additional information about this offer, see the products & benefits section of this website.

Products & Benefits


Bank of America at Work® Products & Benefits

eBanking

A checking account that fits your schedule. Pay no monthly fee when youGo to footnote *:

  • Complete deposit and withdrawal transactions through electronic channels only

Or you can pay the $8.95 monthly fee.

More details about eBanking. Link opens in a new window. More details | Get eBanking. Link opens in a new window. Get eBanking


MyAccess Checking®

  • Checking with no monthly service charge with a qualified monthly direct deposit.Go to footnote 1
  • An optional Bank of America debit card (Photo Security feature available)
  • No fees for the first order of standard checks with your new account.

Learn more about MyAccess Checking. Link opens in a new window. Learn more | Open a MyAccess Checking account. Link opens in a new window. Open now


FirstChoice™ Gold with Tiered Interest Checking

  • Earn interest on your checking account balances
  • Monthly service charge is waived by maintaining a minimum combined deposit balanceGo to footnote 2
  • A second checking account and up to 3 additional savings accounts with no monthly service charges.
  • Complimentary services, including free checks, stop payments, discounted safe boxes, and no fee cashier's check

Learn more about FirstChoice™ Gold with Tiered Interest Checking. Link opens in a new window. See details | Get started with FirstChoice™ Gold with Tiered Interest Checking. Link opens in a new window. Get started


Second Checking Account

  • Second Regular Checking account with no monthly service charge.

See details about second checking accounts. Link opens in a new window. Find out more | Open a second checking account. Link opens in a new window. Open an account


Savings

  • Savings account with no monthly maintenance fee if you open a new personal checking account, a new Regular Savings account and enroll in the Keep the Change®Go to footnote 3 program on the same day. After your first debit card purchase, the no monthly maintenance fee will take effectGo to footnote 4.

Learn more about savings accounts. Link opens in a new window. Learn more | Open a savings account. Link opens in a new window. Open now


Keep the Change®

  • After you enroll in the Keep the Change programGo to footnote 4, we round up the amount of purchases with your debit card to the next whole dollar and transfer the difference from your checking account to your savings account. We will match 100% of your Keep the Change transfers for the first three months to get you started. The maximum total match is $250.

Learn more about Keep the Change. Link opens in a new window. Explore now


Certificate of DepositGo to footnote 5

  • Receive the certainty of a guaranteed rate for the term of the CD and peace of mind with FDIC insurance. CDs offer flexibility to choose from a variety of terms that meet your time horizon.

Get the facts about Certificates of Deposit. Link opens in a new window. Get the facts


return to superscript * eBanking is for customers who like to use self-service options. With eBanking, you can avoid the monthly service charge by using self-service options for all of your deposits and withdrawals. An $8.95 monthly service charge applies to each statement cycle during which a teller helps you (or someone who makes a deposit or withdrawal for you) with a deposit or withdrawal. Please see our Personal Schedule of Fees or contact a bank associate for more information.

return to superscript 1 MyAccess checking has no monthly maintenance fee/monthly service charge with at least one qualifying direct deposit of $250 or more each monthly statement cycle, or if you maintain an average daily balance of $1,500 or more in your account during each statement cycle. Qualifying direct deposits include payroll and Social Security payments. Otherwise the fee is $12.00 per month. Monthly fee is different in ID and WA. MyAccess is not available for new accounts in AZ, GA and MA. See applicable fee schedule. Other account related service fees still apply. Offer may be withdrawn or modified at any time without notice.

return to superscript 2 FirstChoice™ Gold with Tiered Interest Checking: monthly service charge is waived by maintaining a minimum $10,000 in your linked deposit accounts. Otherwise in WA: $13 monthly service charge with direct deposit and $15 monthly service charge without direct deposit and in ID: $8 monthly service charge with direct deposit, and $10 monthly service charge without direct deposit.

return to superscript 3 This offer applies to new accounts only. You must open a new personal checking account, a new Regular Savings account (referred to as Unlinked Market Rate Savings in ID and WA) and sign up for our Keep the Change® service on the same day and use your debit card to make a purchase within ninety days of opening your new checking and Regular Savings accounts. The monthly maintenance fee (referred to as monthly service charge in CA) waiver on your Regular Savings account begins the statement cycle after your first Keep the Change® transfer from your new personal checking account to your new Regular Savings account. We may change or terminate this offer at any time. Excess transaction fees on Regular Savings still apply. See our Personal Schedule of Fees for information about these accounts and our Keep the Change® service.

return to superscript 4 Upon enrollment, we will round up your MasterCard or Visa debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America® savings account. We may cancel or modify the Keep the Change service at any time without prior notice. Keep the Change is not available for Small Business debit cards.

return to superscript 5 As a Bank of America at Work customer, you receive a bonus of 0.25% added to our standard rate for the initial term of a new CD. Bonus does not apply to CD renewals or CD accounts opened in CA, WA, ID as the bonus rate is already reflected in the stated rates for these states. At maturity, CD's renew automatically at the then applicable interest rate, which may be different from the initial interest rate.

Money Orders and Cashier Checks

No purchase fee with auto debit


Safe Deposit Box RentalGo to footnote 1

Discounted Annual fee through the Bank of America at Work® program. Ask an associate at your nearest Banking Center for details.


Bank of America Privacy Assist Premier®Go to footnote 2

Service providing complimentary copy of credit report and credit score. Help protect your identity with credit monitoring every business day and $25,000 of identity theft insurance. Learn more at: Link opens in a new window. bankofamerica.com/privacyassist/atwork or by calling 1.866.566.8613.


return to superscript 1 Discounts and pricing vary depending on the state where the account is opened. Ask an associate at your nearest Banking Center for details.

return to superscript 2 Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations

BankAmericard Cash Rewards Visa® cardGo to footnote 1

Earn 1% cash back on every purchase, with no limits on how much you can earn. Earn a total of 2% cash back on grocery and 3% cash back on gas purchases (quarterly maximum applies to bonus rewards on grocery and gas purchases)Go to footnote 2. Redeem for cash back starting at $25. Plus earn a 10% customer bonus when you redeem into a Bank of America® checking or savings account. Redeem cash rewards as a statement credit, as a direct deposit into any checking or savings account, as a check or towards an eligible mortgage.

Link opens in a new window. Apply now or visit your local banking center.


return to superscript 1 For information about the rates, fees, other costs and benefits associated with these cards, click on apply now or please visit a banking center and speak to an associate. This credit card program is issued and administered by FIA Card Services, N.A. Visa is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A. Inc. BankAmericard Cash Rewards is a trademark and Bank of America at Work, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.
return to superscript 2 The 2% cash back on grocery purchases and 3% cash back on gas purchases applies to the first $1,500 in combined purchases in these categories each quarter. After that, the base 1% earn rate applies to those purchases.

Mortgages: Find the mortgage that's right for you

Whether you're a first-time homebuyer, or looking to buy your next home, we're here to answer your questions so you have a clear understanding of what you're getting and what you can comfortably afford.


Refinance: Ready to refinance your home?

Whether you're looking to lower your monthly mortgage payment or switch to a fixed rate loan for predictable monthly payments, our expert mortgage loan officers can help you decide.


For more information call us today at 1.888.895.2911 or Visit here to read more about refinancing your home. Link opens in a new window. visit here.



Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

Online BankingGo to footnote 1

Get 24-hour access to available account balances and activity and pay bills online with our optional Bill Payer service. Plus, you can get Overdraft Protection by linking your checking account to a savings or other account.

Get details about online banking. Link opens in a new window. Get details>>


Text BankingGo to footnote 2

Allows you to quickly request available account balance and transaction information on your checking, savings, and credit card accounts through text messaging. Enrollment is required through Online Banking.

Learn more about Text Banking. Link opens in a new window. Learn more>>


return to superscript 1 There is no charge for the Online Banking service, but other account-related fees still apply.

return to superscript 2 Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply. Accounts located in WA and ID must be enrolled in Online Banking to use Text Banking.

GEICO Auto InsuranceGo to footnote 1

Get a discount/premium reduction on GEICO car insurance when you pay directly from your Bank of America checking or savings account and enroll in GEICO's eServices. Learn more and get a free rate quote at Link opens in a new window. geico.com/bankatwork or by calling 1.877.306.9210.

Get a GEICO auto insurance quote. Link opens in a new window. Get quote>>


return to superscript 1 Offer not available in CA. A premium reduction is available in NY. Insurance products are offered through Bank of America N.A., a licensed insurance agency located at 7455 High Market Street, Sunset Beach, NC 28468. Insurance products are:

Not a Deposit, Not Guaranteed by the bank, Not insured by any Federal Goverment Agency, Not FDIC Insured and Not a condition to any banking or service activity

No-fee IRAsGo to footnote 1

Provide tax advantages for long term retirement savings and are FDIC insured. They also offer the flexibility to choose your own term and the security of a guaranteed rate for the term of the CD.

Find out more about No-fee IRAs. Link opens in a new window. Find out more | Start your No-fee IRA today. Link opens in a new window. Start today


return to superscript 1 No annual fee for Bank of America, N.A. FDIC IRAs (CDs or money market savings accounts.) Other transaction fees may apply.

Manage your money better with help from our Financial Education Tools. Visit Link opens in a new window. bankofamerica.com/solutions for access to budgeting tools with downloadable spreadsheets; interactive tools to help you assess and plan your financial situation; and videos addressing subjects such as rethinking family finances in a recession.

Merrill Edge® Investing

Merrill Edge gives you the choice to invest on your own or with team-based professional guidance.


Merrill Edge Self-Directed Investing

Merrill Edge self-directed investing can help you manage your finances with the added benefit of online equity and ETF trades for as little as $0Go to footnote 1.

Open an account. Link opens in a new window. Open an account | Learn more. Link opens in a new window. Learn more


Merrill Edge Advisory Center™

The Merrill Edge Advisory Center offers team-based guidance across all your investment needs.

Talk to a Merrill Edge Financial Solutions Advisor now at 1.888.609.4650; Mon-Fri 8AM to 11PM ET.

Schedule a consultation. Link opens in a new window. Schedule a consultation | Learn more about the Merrill Edge Advisory Center™. Link opens in a new window. Learn more


Please remember there's always the potential of losing money when investing in securities.

return to superscript 1 This offer and investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).Banking products provided by Bank of America, N.A., Member FDIC.

This offer is available with an individual or joint Merrill Edge self-directed brokerage account. MLPF&S waives its commission fee for as many as 30 online equity trades each month for self-directed brokerage customers who meet any one of the following criteria:

a. A combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. When you make an online equity trade, MLPF&S determines whether you meet the balance requirement to qualify that trade for the commission fee waiver. MLPF&S adds the average collected balances in your checking and savings accounts as of the prior month to the balances in your CD and FDIC-insured IRA accounts as of the prior business day. If this calculation reflects a combined total of less than $25,000, MLPF&S then makes a second calculation to see if the trade qualifies by adding the balances in your checking, savings, CD and FDIC-insured IRA accounts as of the prior business day.

b. A combined balance of $25,000 or more in cash balances in one of the following sweep options in your Merrill Edge self-directed account(s) as of the prior business day:

  • Bank Deposit Accounts sweep option with your CMA
  • Retirement Assets Savings Program (RASP) sweep with your IRA

If this balance is less than $25,000, MLPF&S then makes a second calculation to see if your average collected balance as of the prior month reflects a total of $25,000 or more to determine whether you meet the balance requirements to qualify for the commission fee waiver.

Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Commission fees for online equity trades depend on your total relationship with Bank of America and Merrill Lynch and apply when the balance requirement is not met, or when you exceed 30 qualifying trades a month.

To determine the 30-trade limit, MLPF&S adds the qualifying trades in your individual accounts and in each joint account for which you are the account owner. Deposit accounts with the same social security number as the social security number(s) on the self-directed brokerage account are systematically included in the balance determination. Deposit accounts maintained with the Military Bank of Bank of America, N.A. are not systematically included in the balance determination.

Other brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request and termination apply. Deposit fees apply to deposit accounts.

Relationship requirements and pricing are subject to change.

This offer applies only to self-directed brokerage accounts held at Merrill Edge. Offers available through other Merrill Lynch services may vary in terms and conditions. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Frequently Asked Questions


Bank of America at Work® FAQs

Participation Requirements

Eligibility

Combination with other offers


What happens if I leave my company? Will I still be eligible for the Bank of America at Work program?
Yes. Direct deposit of pay is needed to take advantage of your checking benefits. It's easy to get started, and quite convenient. Simply let your employer know that you would like direct deposit into your new checking account.

Since direct deposit is required, do I have to have it set up before I open my account?
We can proceed with opening your account before your direct deposit is set up. You'll need to know your account number for the direct deposit set up.

What happens if I leave my company? Will I still be eligible for the Bank of America at Work program?
You need to be employed with a participating company to take advantage of the program. Your benefits will expire upon termination of employment.

Can I open my Bank of America at Work account online?
Yes. To receive your special discounts and savings, you can open your checking, savings, CD or IRA account online from the Bank of America at Work site. Or you can call 1.800.782.2265 or visit a banking center to open any accounts or apply for a loan. Be sure to specify that you are a Bank of America at Work customer.

Is my spouse eligible for a discounted account?
The benefits are intended for the employees of your company only. However, your spouse can be a joint account holder on your discounted accounts as long as you are the primary account holder.

I received a special loan rate offer from Bank of America in the mail. Can I combine this special loan rate coupon with my Bank of America at Work loan offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

I received a special home equity line of credit rate offer from Bank of America in the mail. Can I combine this offer with my Bank of America at Work home equity line discount?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Can I combine other mortgage offers with the Bank of America at Work offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Can I combine other certificate of deposit (CD) offers with the Bank of America at Work offer?
The Bank of America at Work offers are very competitive on their own. Therefore, we are not able to combine them with any other special offer.

Special Offers


Get a $50 bonusGo to footnote *

For a limited time, after you open a personal checking account with direct deposit

To get your personal checking account and a $50 bonus, just follow the steps below:

  1. Fill out our easy online application using Offer Code GROUP50.

  2. Set up a qualifying Direct Deposit into your new checking account within 60 days of account opening. Learn how to set up Direct Deposit. Link opens in a new window. Learn how.

  3. Receive your $50 bonus, directly deposited to your new checking account, within 120 days once qualifications are met.

Remember to enter Offer Code GROUP50 when you open your account online to get your $50 bonus.

Open a MyAcccess checking account. Link opens in a new window. Open an Account


return to superscript * Offer expires 1/20/2012. Bank of America may terminate the offer before that date. To receive the offer, you must open a personal checking account through the Bank of America at Work®program and set up qualifying direct deposit into your checking account within 60 days. You must use the Offer Code GROUP50 in order to qualify for this offer. Limit one incentive per customer. The new customer must not be a current personal checking customer and the new checking account must remain open until we can verify its eligibility, which generally takes no more than 120 days. The new customer is not eligible for this offer if they were a signer on a Bank of America checking account that was closed within the last three months. All accounts are subject to our normal approval process. Offer does not apply to second or multiple accounts. This offer cannot be combined and is not eligible with other offers. The minimum deposit required to open a new personal checking account and receive this offer are subject to normal opening deposit requirements of the specific account being opened. For example, the minimum opening deposit for a MyAccess Checking® account is $25. Account must be in good standing at the time of qualification. We generally direct deposit the incentive into the new Bank of America checking account within 120 days of account opening. If for any reason we are unable to successfully direct deposit the funds, a check will be issued. We may report to the IRS the value of any premium and applicable taxes are the responsibility of the recipient. We offer a variety of interest-bearing and noninterest bearing personal checking accounts. For Tiered Interest personal checking accounts, the minimum balance to open is $100 and the Annual Percentage Yields (APYs) are as follows: less than $10,000, 0.05%; $10,000-$99,999, 0.10% and $100,000 and over, 0.25% as of 2/15/2011. The rate may change after the account is opened or anytime after this date. Fees could reduce the earnings on the account. Please consult a banking center associate, visit bankofamerica.com or see our Personal Schedule of Fees for more information. Reproduction, purchase or sale of this offer is prohibited.

Special Offers


Employee Home Loan Program
from Bank of America

Special Mortgage Benefits Just For You

Bank of America Home Loans is proud to offer you a $500 closing cost creditGo to footnote 1 when you're ready to buy a new home, refinance your current home, or buy a second home.

Whether you're a first-time homebuyer, or looking to buy your next home, we're here to answer your questions so you have a clear understanding of what you're getting and what you can comfortably afford so you can choose the mortgage that is right for you.

At Bank of America Home Loans you can take advantage of benefits that include:

  • $500 Closing Cost CreditGo to footnote 1

  • Helpful resources like our Clarity Commitment® documentGo to footnote 2

  • Competitive rates and fees

  • A wide variety of loan programs

  • Personal service from a dedicated team

For more information call us today at 1.888.895.2911 or learn more about ehlp. Link opens in a new window. learn more.

Calculators and tools:

Use the interactive home loan guide. Link opens in a new window. Interactive home loan guide
Use the down payment calculator. Link opens in a new window. Down payment calculator
Use the mortgage payment calculator. Link opens in a new window. Mortgage payment calculator
Use the closing costs estimator. Link opens in a new window. Closing costs estimator



Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.

return to superscript 1 $500 closing cost credit offer limited to purchase or refinance loans of $100,000 or greater. To receive offer, employees must start the loan process by calling the dedicated toll-free number above, or by applying online through the Relocation and Corporate Services Division Web site, and employee's first lien purchase or refinance loan must fund through Bank of America's Relocation and Corporate Services Division. Only one discount offer per customer per loan. Nontransferable, cannot be combined with any other discount program or offer. Program terms and conditions subject to change. Call for details and availability. Guidelines subject to change without notice.

return to superscript 2 The Clarity Commitment® summary is provided as a convenience, does not serve as a substitute for a borrower's actual loan documents, and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided.

Special Offers

Earn a $100 bonus after you open your personal checking account with Direct Deposit.

Earn a $100 bonus for opening a personal checking account Get started

Get Home Loan Benefits with the Home Loan Program from Bank of America.

Get Home Loan Benefits See how

Get a 0.15% discount off your Annual Percentage Rate on any auto loan.

Get a 0.15% discount off your Annual Percentage Rate on any auto loan. Learn more

Products & Benefits

From credit cards to retirement savings – we can help.

Learn more about products and benefits Learn more

Frequently Asked Questions

Have a question? Check our FAQ first.

Get answers to Frequently Asked Questions Read more

Special Offers

Earn a $50 bonus after you open your personal checking account with Direct Deposit.

Earn a $50 bonus for opening a personal checking account Get started

Get a $300 Visa®Reward CardGo to footnote * after loan closing with the Employee Home Loan Program from Bank of America.

Get a $300 Visa Reward Card See how

Get a 0.15% discount off your Annual Percentage Rate on any auto, RV or boat loan.

Get a 0.15% discount off your Annual Percentage Rate on any auto, RV or boat loan. Learn more

Products & Benefits

From credit cards to retirement savings — we can help.

Learn more about products and benefits Learn more

Frequently Asked Questions

Have a question? Check our FAQ first.

Get answers to Frequently Asked Questions Read more

Special Offers

Earn a $50 bonus after you open your personal checking account with Direct Deposit.

Earn a $50 bonus for opening a personal checking account Get started

Get a $500 Credit On Closing CostsGo to footnote * with the Employee Home Loan program from Bank of America.

Get a $500 Credit On Closing Costs See how

Products & Benefits

From credit cards to retirement savings — we can help.

Learn more about products and benefits Learn more

Frequently Asked Questions

Have a question? Check our FAQ first.

Get answers to Frequently Asked Questions Read more

 

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