Bank

Bank of America Checking Bonus — Up to $500

Bonus Tiers

Deposit	Bonus
$2,000 in direct deposits	$100
$5,000 in direct deposits	$300
$10,000+ in direct deposits	$500

Qualifying Period

90 days of account opening

Payout

Within 60 days of meeting requirements

Requirements

✓Open eligible Bank of America Advantage Banking checking account online (Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)
✓Set up and receive Qualifying Direct Deposits within 90 days of account opening
✓Keep account open and in good standing through payout
✓Qualifying Direct Deposits totaling $2,000 (for $100), $5,000 (for $300), or $10,000 (for $500)
✓Open a new eligible Bank of America Advantage Banking account (SafeBalance, Plus, or Relationship)
✓Set up and receive qualifying direct deposits totaling the applicable threshold within 90 days of account opening
✓Open a new eligible Bank of America Advantage Banking checking account (Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)
✓Receive qualifying direct deposits totaling $2,000, $5,000, or $10,000+ within 90 days of account opening
✓Minimum qualifying direct deposits of $2,000, $5,000, or $10,000 within 90 days of account opening
✓Open eligible Bank of America Advantage Banking account (SafeBalance, Plus, or Relationship Banking)
✓Receive qualifying direct deposits totaling $2,000+ for $100 bonus, $5,000+ for $300 bonus, or $10,000+ for $500 bonus
✓Deposits must post within 90 days of account opening
✓Open a new eligible Bank of America Advantage Banking account (SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)
✓Receive qualifying direct deposits totaling at least $2,000 (for $100), $5,000 (for $300), or $10,000 (for $500) within 90 days of account opening
✓Account must remain open and in good standing
✓Open eligible Bank of America Advantage Banking checking account online through promotional page
✓Qualifying direct deposits are regular monthly income (salary, pension, Social Security)

Restrictions

⚠New customers only - no Bank of America personal checking account ownership within last 12 months
⚠Online application only
⚠One bonus per customer, per account
⚠Cannot be combined with other Bank of America checking offers
⚠New customers only (no Bank of America personal checking account in last 12 months)
⚠Online-only offer
⚠Must open through promotional webpage
⚠One bonus per account and per customer
⚠Fiduciary accounts (e.g., trusts) and SafeBalance for Family Banking not eligible
⚠New checking customers only
⚠Not owned or co-owned a Bank of America personal checking account within the last 12 months
⚠Online only — may not be available if you leave the page, visit bankofamerica.com, or call the bank
⚠Fiduciary accounts and business accounts not eligible
⚠Bank of America Advantage SafeBalance Banking for Family Banking accounts not eligible
⚠New checking customers only — no Bank of America personal checking account ownership in last 12 months
⚠Cannot be combined with other checking offers
⚠New customers only
⚠No Bank of America personal checking account ownership in past 12 months
⚠Fiduciary accounts not eligible
⚠Advantage SafeBalance Banking for Family Banking accounts not eligible
⚠Online application required
⚠Online only
⚠No Bank of America personal checking account in last 12 months
⚠Online enrollment only
⚠Bank of America Advantage SafeBalance Banking for Family Banking accounts are not eligible
⚠Must not have owned or co-owned a Bank of America personal checking account within the last 12 months
⚠One bonus per customer
⚠Account must remain open and in good standing to receive bonus
⚠Family Banking accounts not eligible

Fees

$0 account fee for SafeBalance (if under 25 or $500+ daily balance)
$12 monthly fee for Advantage Plus (waivable with direct deposit)
$25 monthly fee for Advantage Relationship (waivable with qualifying balance)
$0 monthly fee for Advantage Plus Banking with $1,500 minimum daily balance or one $250+ direct deposit per statement cycle
$4.95 monthly fee for SafeBalance Banking (waived if under 25, maintain $500 minimum, or enrolled in Preferred Rewards)
$25 monthly fee for Advantage Relationship Banking (waived with $10,000 combined balance or Preferred Rewards)
Advantage SafeBalance Banking: $0 monthly fee for youth under 25, others variable
Advantage Plus Banking: $12 monthly fee (waivable with $250+ direct deposit or $1,500 minimum balance)
Advantage Relationship Banking: $12 monthly fee (waivable with conditions)
$0 account opening fee
SafeBalance Banking: $4.95 monthly (waived if under 25, maintain $500+ daily balance, or Preferred Rewards member)
Advantage Plus Banking: $12 monthly (waived with $250+ qualifying direct deposit or $1,500+ daily balance)
Advantage Relationship Banking: $25 monthly (waived with $20,000+ combined balance or Preferred Rewards member)
SafeBalance: $4.95 monthly (waived if under 25, $500+ minimum daily balance, or enrolled in Preferred Rewards)
Plus: $12 monthly (waived with qualifying direct deposits of $250+, $1,500+ minimum balance, or Preferred Rewards)
Relationship: $25 monthly (waived with qualifying direct deposits of $2,500+ or Preferred Rewards)

Qualifying Direct Deposit is regular monthly income from employer or payer (salary, pension, Social Security)
Does not include teller deposits, wire transfers, debit card transfers, ATM transfers, or inter-account transfers
Bonus is taxable income; Bank of America will issue 1099-INT or 1099-MISC
Offer available online only and not available if you leave the page or visit bankofamerica.com
Account must remain open and in good standing through bonus payout date
Qualifying Direct Deposits defined as regular monthly income (salary, pension, Social Security) via employer or payer
Non-qualifying: teller deposits, wire transfers, debit card transfers, ATM transfers, Online/Mobile Banking transfers, transfers from other accounts
Bonus taxed as income; Bank of America will issue Form 1099
Offer cannot be combined with any other checking offer
Minimum deposit to open: $25 (SafeBalance), $100 (Plus/Relationship)
Monthly maintenance fee: $12 (waived with qualifying direct deposits of $250+ or min daily balance of $1,500)
Account must be open and in good standing when bonus is paid
Bonus is taxable income — Bank of America will issue Form 1099
Qualifying Direct Deposits must be regular monthly income (salary, pension, Social Security) with account/routing numbers provided to payer
Non-qualifying: teller deposits, wire transfers, debit card transfers, ACH transfers, Mobile/Online Banking transfers, transfers from bank/brokerage accounts
Account must remain open and in good standing through bonus payout
Bonus treated as taxable income
Qualifying Direct Deposit defined as direct deposit of regular monthly income (salary, pension, Social Security) using provided account/routing numbers
Account must remain open and in good standing to receive bonus
Bonus is taxable income; Bank of America may issue Form 1099
Advantage SafeBalance requires $25 minimum opening deposit; Plus and Relationship Banking require $100 minimum
Advantage SafeBalance has $4.95 monthly fee (waived if under 25 or maintain $500 minimum balance)
Qualifying Direct Deposit is regular monthly income from employer or payer using provided account and routing numbers
Non-qualifying transfers include: teller deposits, wire transfers, debit card transfers, ATM transfers, online/mobile banking transfers, or transfers from other bank/brokerage accounts
Fiduciary accounts and business accounts not eligible
Bonus is taxable income; Bank of America may issue IRS Form 1099
Offer available online only and may not be available if you leave the page or visit bankofamerica.com main site
Three eligible account types: Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking
Cannot be combined with any other checking offer

Sign-Up Bonus

$500

View Promo Terms →

Offer expires September 29, 2026

Last updated July 4, 2026

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Jul 4, 2026Change detected

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Jun 27, 2026

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Discussion

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How to evaluate Bank of America Checking Bonus

Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.

More bank bonuses →All Bank of America offers →Maximize bank bonuses →Direct deposit bonus guide →

Qualification checklist

Timing

Qualifying period: 90 days of account opening
Payout timeline: Within 60 days of meeting requirements

How to qualify

Open eligible Bank of America Advantage Banking checking account online (Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)
Set up and receive Qualifying Direct Deposits within 90 days of account opening
Keep account open and in good standing through payout
Qualifying Direct Deposits totaling $2,000 (for $100), $5,000 (for $300), or $10,000 (for $500)

Common pitfalls

New customers only - no Bank of America personal checking account ownership within last 12 months
Online application only
One bonus per customer, per account
Cannot be combined with other Bank of America checking offers

What makes this offer different

What makes this bank offer different

This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.

Bonus value versus similar offers

The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.

Requirement clarity

Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.

Frequently Asked Questions

When does Bank of America Checking Bonus expire?

Bank of America Checking Bonus expires on September 29, 2026.

How long do I have to qualify for Bank of America Checking Bonus?

The qualifying period listed for Bank of America Checking Bonus is 90 days of account opening.

When does Bank of America Checking Bonus pay out?

The payout timeline listed for Bank of America Checking Bonus is Within 60 days of meeting requirements.

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Citi Checking Account Bonus — Up to $2,000

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Capital One Performance Savings Bonus

$1,500 bonus

Deposit

Bonus

$2,000 in direct deposits

$100

$5,000 in direct deposits

$300

$10,000+ in direct deposits

$500

Requirements

✓Open eligible Bank of America Advantage Banking checking account online (Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)

✓Set up and receive Qualifying Direct Deposits within 90 days of account opening

✓Keep account open and in good standing through payout

✓Qualifying Direct Deposits totaling $2,000 (for $100), $5,000 (for $300), or $10,000 (for $500)

✓Open a new eligible Bank of America Advantage Banking account (SafeBalance, Plus, or Relationship)

✓Set up and receive qualifying direct deposits totaling the applicable threshold within 90 days of account opening

✓Open a new eligible Bank of America Advantage Banking checking account (Advantage SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)

✓Receive qualifying direct deposits totaling $2,000, $5,000, or $10,000+ within 90 days of account opening

✓Minimum qualifying direct deposits of $2,000, $5,000, or $10,000 within 90 days of account opening

✓Open eligible Bank of America Advantage Banking account (SafeBalance, Plus, or Relationship Banking)

✓Receive qualifying direct deposits totaling $2,000+ for $100 bonus, $5,000+ for $300 bonus, or $10,000+ for $500 bonus

✓Deposits must post within 90 days of account opening

✓Open a new eligible Bank of America Advantage Banking account (SafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking)

✓Receive qualifying direct deposits totaling at least $2,000 (for $100), $5,000 (for $300), or $10,000 (for $500) within 90 days of account opening

✓Account must remain open and in good standing

✓Open eligible Bank of America Advantage Banking checking account online through promotional page

✓Qualifying direct deposits are regular monthly income (salary, pension, Social Security)

Restrictions

⚠New customers only - no Bank of America personal checking account ownership within last 12 months

⚠Online application only

⚠One bonus per customer, per account

⚠Cannot be combined with other Bank of America checking offers

⚠New customers only (no Bank of America personal checking account in last 12 months)

⚠Online-only offer

⚠Must open through promotional webpage

⚠One bonus per account and per customer

⚠Fiduciary accounts (e.g., trusts) and SafeBalance for Family Banking not eligible

⚠New checking customers only

⚠Not owned or co-owned a Bank of America personal checking account within the last 12 months

⚠Online only — may not be available if you leave the page, visit bankofamerica.com, or call the bank

⚠Fiduciary accounts and business accounts not eligible

⚠Bank of America Advantage SafeBalance Banking for Family Banking accounts not eligible

⚠New checking customers only — no Bank of America personal checking account ownership in last 12 months

⚠Cannot be combined with other checking offers

⚠New customers only

⚠No Bank of America personal checking account ownership in past 12 months

⚠Fiduciary accounts not eligible

⚠Advantage SafeBalance Banking for Family Banking accounts not eligible

⚠Online application required

⚠Online only

⚠No Bank of America personal checking account in last 12 months

⚠Online enrollment only

⚠Bank of America Advantage SafeBalance Banking for Family Banking accounts are not eligible

⚠Must not have owned or co-owned a Bank of America personal checking account within the last 12 months

⚠One bonus per customer

⚠Account must remain open and in good standing to receive bonus

⚠Family Banking accounts not eligible

Fees

$0 account fee for SafeBalance (if under 25 or $500+ daily balance)

$12 monthly fee for Advantage Plus (waivable with direct deposit)

$25 monthly fee for Advantage Relationship (waivable with qualifying balance)

$0 monthly fee for Advantage Plus Banking with $1,500 minimum daily balance or one $250+ direct deposit per statement cycle

$4.95 monthly fee for SafeBalance Banking (waived if under 25, maintain $500 minimum, or enrolled in Preferred Rewards)

$25 monthly fee for Advantage Relationship Banking (waived with $10,000 combined balance or Preferred Rewards)

Advantage SafeBalance Banking: $0 monthly fee for youth under 25, others variable

Advantage Plus Banking: $12 monthly fee (waivable with $250+ direct deposit or $1,500 minimum balance)

Advantage Relationship Banking: $12 monthly fee (waivable with conditions)

$0 account opening fee

SafeBalance Banking: $4.95 monthly (waived if under 25, maintain $500+ daily balance, or Preferred Rewards member)

Advantage Plus Banking: $12 monthly (waived with $250+ qualifying direct deposit or $1,500+ daily balance)

Advantage Relationship Banking: $25 monthly (waived with $20,000+ combined balance or Preferred Rewards member)

SafeBalance: $4.95 monthly (waived if under 25, $500+ minimum daily balance, or enrolled in Preferred Rewards)

Plus: $12 monthly (waived with qualifying direct deposits of $250+, $1,500+ minimum balance, or Preferred Rewards)

Relationship: $25 monthly (waived with qualifying direct deposits of $2,500+ or Preferred Rewards)