All Rights Reserved. Bank of America Advantage Savings isn't available on Finder right now. Relationship-based ads and online behavioral advertising help us do that. This is not a commitment to lend. A checking account that’s designed to prevent overspending by rejecting your card if your balance is low. GoldEach of these has different benefits and qualification criteria, which you’ll find all the in-depth information below.The short of it is: Bank of America rewards customers depending on their investment and deposit balances. Customers have one savings account option: Bank of America Advantage Savings. But the rates there are only 0.03%, 0.04%, 0.05%, 0.06% APY for different rewards tiers. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs. Interest can be sent to you by check, or deposited into your Westamerica Bank checking or savings account. To enroll in Preferred Rewards you need an eligible Bank of America® personal checking account and a 3-month average combined balance of $20,000 or more in qualifying Bank of America® banking accounts and/or Merrill Edge® and Merrill Lynch® investment accounts.   Even worse, it comes with an $8 monthly fee. Chase Bank, Bank of America, and Wells Fargo—three of the country's four largest banks by assets—offer savings account rates far below the national average. It costs $4.95 per month unless you’re enrolled in Preferred Rewards. The tiered rates on the bank’s Advantage Savings account are based on how much money you park in the account: the bigger your balance, the more interest you can earn. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Bank of America Advantage Relationship Banking offers an interest-bearing checking account with a $100 minimum opening deposit. Bankrate.com is an independent, advertising-supported publisher and comparison service. Account Comparison. You have money questions. Bank of America has assembled products, services and educational materials to make student banking and paying for college as easy as possible. For its savings accounts, the bank scored slightly higher, earning 2.6 out of 5 stars. Our experts have been helping you master your money for over four decades. Member FDIC. Its Advantage Savings account has a 0.01% annual percentage yield, or APY. A Red Ventures company. Our goal is to give you the best advice to help you make smart personal finance decisions. Subject to FDIC limitations. Get an interest rate booster on a Bank of America Advantage Savings account with the Preferred Rewards program. Investigate other types of accounts. As your account balance grows, your interest rate has the potential to increase too. Of course, for many consumers, picking a bank is more about comparing the numbers than anything else. Check out even more accounts that can help grow your savings with Bankrate’s list of institutions that offer high yields. The offers that appear on this site are from companies that compensate us. See how long it takes to save for the things you want and need. Although it has tiered interest rates, you’ll only earn 0.01% to 0.05% depending on your balance, which is lower than the competition. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. 1 For detailed information on balance requirements, activity requirements and fees, and customer eligibility, please see our Personal Schedule of Fees and Charges and Deposit Agreement and Disclosure . While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. These ads are based on your specific account relationships with us. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Footnote 3. Have peace of mind knowing your savings are FDIC-insured up to applicable amounts. However, the yields offered by BofA will do very little to help you grow your savings: The yields are lower than the national average and you can find many other options from other banks that will get you a bigger payout. Equal Housing Lender new window. and U.S. Trust Company of Delaware. Here’s an explanation for Bank of America earned 2.4 out of 5 stars in Bankrate’s overall review of its deposit accounts. Bank of America also offers one of the lowest APYs for a 12-month CD compared to other national banks. Bank of America offers an Advantage Savings Account and CD Accounts much like traditional banks, however their rates may vary from state to state and region to region. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Visit a Capital One location or contact a banker for full details. Bank of America Advantage Banking is a flexible checking account for your changing needs. With tiered interest rates, the more you save, the more you could earn. But the rates there are only 0.03%, 0.04%, 0.05%, 0.06% APY for different rewards tiers. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Bankrate.com is an independent, advertising-supported publisher and comparison service. We strive to provide you with information about products and services you might find interesting and useful. The Bank of America Advantage Savings account offers multiple ways to earn rewards. Use the budgeting tool to take control of your money by tracking your habits and creating budgets. Bank of America Advantage Savings Account Clarity Statement®, Here’s what comes with your Advantage Savings account, Learn more about savings accounts for children, Maintain a minimum daily balance of at least, Link your Bank of America Advantage Savings account to your Bank of America Advantage Relationship Banking® account (waiver applies to first 4 savings accounts), When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts), For new Bank of America Advantage Savings accounts, we’ll waive this fee for the first 6 months, Students under 24 who are enrolled in school may also qualify for a waiver. Regarding interest rate, the bank’s savings account rates are on par with what you would expect from a brick-and-mortar bank. Bank of America Savings Account Interest Rates. Want an easy way to help build your balance? MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Account Type: Chase: Bank of America: Savings: Chase Savings … Bank of America ATM network and fees. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. We're here when you need us.Along with 24/7 access online, you can find us at thousands of ATMs and financial centers. Savings accounts limit the number of certain types of transfers or withdrawals you can make from the account each monthly statement cycle. A few savings accounts that will give you a much bigger payout include those offered by Vio Bank, BMO Harris Bank and Marcus by Goldman Sachs. Savings account or CD: Compare the benefits, Get help planning for every stage of life. A savings account is a deposit account that generally earns higher interest than an interest-bearing checking account. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Bank of America Advantage SafeBalance Banking, Bank of America Advantage Plus Banking and Bank of America Advantage Relationship Banking, Get More Rewards With Your Everyday Banking, Merrill Edge, Merrill Lynch, Keep The Change, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. Bank of America Advantage SafeBalance Banking. Money management tools. Looking for a more long-term savings option? Bank of America dominates in the savings account category with a 0.01% APY, but it’s still considered fairly low relative to the top interest rates. Check out 529 College Savings Plans from Merrill. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S", or "Merrill"), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. The Bank of America Advantage Savings Account, previously the Bank of America Rewards Savings Account, provides an opportunity to save at Bank of America. The rates are for those living in the New York tri-state area and could vary by state. Customers can jump through several hoops to secure higher rates, but they top out at 0.05% . While it does offer about 0.03% APY, the rate varies by location and it’s so low that it’s basically negligible. You only have one choice for a "standard" savings account. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. Please enter the zip code for your home address so we can give you accurate rate and fee information for your location. Let’s take a closer look at the rates offered by B of A’s savings accounts. While we adhere to strict Bank of America, N.A. May, 2020. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Which certificate of deposit account is best? Choose the account, enter the amount and send. Our savings account layer offers benefits and rewards made to help you hit goals faster, along with access to Bank of America's broad network of support. A $10 fee applies for each withdrawal or transfer exceeding 6 in a monthly statement cycle. You can … Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Bank of America Advantage Plus Banking. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Accounts designed to help you save for your children. We do not include the universe of companies or financial offers that may be available to you. You can waive the monthly service fee with an average balance of $500, a linked BofA Interest Checking account, or become a member of the Preferred Rewards Program (see below). Platinum Honors 2. If you opt out, though, you may still receive generic advertising. But this compensation does not influence the information we publish, or the reviews that you see on this site. Child Savings: … Trust and fiduciary services are provided by Bank of America, N.A. Link your savings account to your checking account to help cover your bases. The savings account options are rather limited at Bank of America. You can view all savings interest rates online. It offers a variety of features from digital-only payments (checkless checking) to optional overdraft protection. Preferred Rewards members can earn even more. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. We're committed to making your experience with us as easy as possible. Your anonymous review will help others learn about this provider. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. So, here’s a closer look at the different options for accounts offered at each and how they compare. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Choose your deals and earn up to 10% cash back at stores, restaurants and more. Between tuition and textbooks, putting aside extra cash can be hard. We value your trust. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Visa is a registered trademark of Visa International Service Association, and is used pursuant to license from Visa U.S.A. Inc.. Touch ID is a registered trademark of Apple Inc., registered in the U.S. and other countries. Create custom alerts to stay informed about important activity on your account, such as a recent deposit or a successful transfer. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Bank of America savings and checking accounts review, fees, pros and cons, benefits, interest rate APR in 2021 Bank of America is the second largest bank in the country, operating in all 50 states, and it is one of the largest banks in the world. Terms and conditions apply. Qualifying clients can enjoy benefits and rewards on everyday banking, from interest rate boosters to waivers on certain services. Both are indirect subsidiaries of Bank of America Corporation.Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. See: Bank of America Interest Rates: How To Get the Bank’s Best Rates. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. When you sign up for this account, you’ll get a Visa debit card that allows … Bank of America interest rates are lower than what you can find at other banks. Some banks are currently paying around 0.66 percent APY for your savings. The bank offers certificates of deposit with terms ranging from one month to ten years. All rights reserved. Find Bank of America promotions, bonuses, coupon offers for Checking, Savings, & Business accounts. If you prefer that we do not use this information, you may opt out of online behavioral advertising. We are an independent, advertising-supported comparison service. But with 0.06 percent APY as the highest payout option at Bank of America, its savings account rates are easily beaten by many other financial institutions. Promotional interest rates not applicable to converted accounts. However, the yields are low compared to other banks. Make a total of 6 transfers and withdrawals each monthly statement cycle with no Withdrawal Limit Fee. To consider your balances, they sum up your qualifying Bank of America deposit accounts and/or Merrill Edge and Merrill Lynch investment balances.There are no fees t… Credit and collateral are subject to approval. You have other savings options from B of A. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. Enroll in Keep the Change® to round up debit card purchases and deposit the difference into savings automatically. Bank of America only offers one savings account for adults, and there’s not a ton to like about it. Students under age 24 are eligible for a waiver of the monthly maintenance fee while enrolled in a high school, college, university or vocational program. Note: The APYs (Annual Percentage Yield) shown are as of Jan. 15, 2021. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. The current APY for the Bank of America Advantage Savings is 0.01%, which is what most brick-and-mortar savings accounts offer. Link your Bank of America Advantage Savings account to your Bank of America Advantage Relationship Banking® account (waiver applies to first 4 savings accounts) or; When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts) or pay $8 /month Join the Preferred Rewards program to get better interest rates, credit card bonuses, ATM fee waivers and more. Programs, rates, terms and conditions are subject to change without notice.Investment and insurance products: MasterCard is a registered trademark of MasterCard International Incorporated, and is used pursuant to license. We also offer CDs, IRAs and savings accounts for kids. Bankrate’s editorial team writes on behalf of YOU – the reader. Just set it and forget it. Bonus offers $100, $200, $300, $400, $500, $750, $2,500 Plus, you can avoid the account's $8 monthly maintenance fee as a Preferred Rewards member. Back to top . Platinum 3. 1. Find out today's checking, savings, IRA and CD account interest rates from Bank of America. editorial integrity, this post may contain references to products from our partners. Please refer to your Personal Schedule of Fees for details. We maintain a firewall between our advertisers and our editorial team. © 2020 Bank of America Corporation. The more you save, the higher interest rates you'll earn. Bank of America offers three types of savings accounts, Advantage Savings; Minor Savings (under 18) Custodial Savings Account; Bank of America Savings Account Fees Bank of America Wire Transfer Fees. Open a Bank of America Advantage Banking account online today. Advantage Relationship; Bank of America Checking Account Fees Bank of America Savings Accounts . 2. With our award-winning app, it's as easy as snapping a photo from your smartphone. Planning for college? © 2021 Bankrate, LLC. Advantage Savings Account: 0.03% APY, $8 Monthly Service Fee that can be waived if you maintain a daily balance of at least $500 OR link this account to a Bank of America Relationship Banking TM account OR when you are a Bank … View the Bank of America Advantage Savings Account Clarity Statement®. Interest can be automatically reinvested. Bank of America offers you a number of savings accounts to park your money. With the Advantage Relationship checking account offered by Bank of America, you will have the opportunity to earn interest on your checking account. Featured US Savings … Student banking on Bank of America. Make your money work harder with a Business Advantage Savings account from Bank of America. Your business qualifies if you have an active, eligible Bank of America business checking account, and maintain a combined balance in any combination of your qualifying Bank of America® business deposit accounts and/or your qualifying Merrill business investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors … Capital One reserves the right to limit the number of promotional Business Advantage Savings accounts per business taxpayer indentification number. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. First National Bank of America has a two-year CD with an interest rate of 1.05 percent and a minimum deposit of $1,000. No monthly maintenance fee for each statement cycle that you: Other limits apply to certain types of withdrawals and transfers. We can help by waiving the monthly maintenance fee for qualifying students layer. The APYs for some products may vary by region. Our editorial team does not receive direct compensation from our advertisers. how we make money. Get insider access to our best financial tools and content. There are 3 main tiers of Preferred Rewards: 1. The tiered rates on the bank’s Advantage Savings account are based on how much money you park in the account: the bigger your balance, the more interest you can earn. How to qualify layer. Passive income ideas to help you make money, Best age for Social Security retirement benefits, list of institutions that offer high yields, Privacy policy / California privacy policy. Account Details APY Updated; Bank of America Savings Account: 0.03%. At Bankrate we strive to help you make smarter financial decisions. Bankrate has answers. Bankrate.com does not include all companies or all available products. Advantage Savings Account . The review has been received and will be be viewed for approval by a moderator. Budgeting blunders happen. Chase’s base rate is the lowest you can possibly earn, at a 0.01% APY. Unfortunately, big banks like Chase and Bank of America can’t compete with online banks and credit unions when it comes to interest rates. Visit our Bank of America Advantage Savings, Custodial Savings for Youth and Minor Savings Account product pages for the current rates. You can make regular transfers between accounts to help build your balance and achieve your goals. Once you open your account, you can take advantage of even more tools designed to help you set goals and track progress. Watch your savings grow and earn interest rates while maintaining easy access to … Find the latest Bank of America bonuses, promotions, and offers here.You'll find Bank of America Checking, Savings, and Business offers to start at $100, $200, $250, $300, $400, $500, $750, $2,500 bonuses here. Bank of America also offers Rewards Savings account, which they tout as high interest savings. You can gain access to slightly higher rates when you are a BoA Preferred Rewards member. Chase vs. Bank of America: Rates. Bank of America’s Advantage Savings has an unimpressive 0.01% annual percentage yield. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Are Not Insured by Any Federal Government Agency, Are Not a Condition to Any Banking Service or Activity. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. Rates vary by region. Write a Bank of America Review It only takes less than a minute! Incoming domestic wire transfer → $15; Incoming … This account provides tiered interest rates that grow with your relationship with the bank. Thank you for your contribution. Reward Savings: Open this account with $100 and you'll have access to tiered interest rates. 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