Our Best Online Checking Accounts October 2026

SoFi Disclaimer:

1. $50 or $400 Bonus/APY
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

2. APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 10/20/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

3. Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/

4. Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

5. ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

6. Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

7. Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

8. 1.10% Savings APY Boost (Offer 170.5)
Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/27. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.

Chime Disclaimers:

Chime is a financial technology company, not a bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

*Limited time only. Terms apply, must open the new account and complete qualifying activities to earn up to $350.00 in rewards. Link to full terms can be found at https://www.chime.com/join/promos/intro-offer-v2b/#terms.

‡SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card.

Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's or its banking partners' discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won't cover non-card transactions. Spot Me on Chime Card Terms and Conditions.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

OnePay Disclaimer:

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The secured OnePay Builder Mastercard® is issued by banking partners pursuant to a license by Mastercard® International Incorporated.

1. 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 8/1/2026, but may change at any time before or after account opening. 

2. Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See terms at onepay.com/rewards-terms.

3. Fee-Free Overdraft is available to OnePay deposit accounts that have received Direct Deposits totaling $500+ in the current or previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details. 

4. For all other ATM transactions, the Cash Out fee will apply and third-party ATM fees may be incurred.

5. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.

6. Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined and based on your overall financial behavior, results may vary and are not guaranteed. OnePay deposit account is required. If eligible, your spending power is based on your Checking Balance. Transactions using your virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2465059) Licenses

VaroMoney Terms and Conditions:

1. A full list of Varo fees can be found here.

2. We give you access to your direct deposits from employer and government payers on the day we receive them, which is typically up to 2 days earlier than your scheduled pay date.

3. Annual Percentage Yield (APY) is accurate as of October 5, 2026. Start earning 1.00% APY, then qualify to earn 3.75% APY on your balance up to $5,000.00 next month by 1) Receiving direct deposit(s) totaling $800 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. Rates subject to change at any time.

4. No fee at U.S. based Allpoint® ATMs. $3.50 fee for cash withdrawals at all out of network & international ATMs. 3rd-party ATM fees may apply. Fees will be charged to the Varo account used for each transaction.

5. Varo Advance qualification is subject to evaluation of consumer reports and Varo accountactivity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 overtime when you bring your qualifying direct deposit to Varo and build a positive history with us.Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loanamount, and deposits to your Varo Bank Account. Your current limit and applicable fees can beviewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck,pension or government benefits (such as Social Security or unemployment) from your employeror government agency to the extent that can be identified. Tax refunds and government stimuluspayments, Person-to-Person payments (such as Venmo +or Varo to Anyone), and fundsdeposited using a Varo routing number are not considered a direct deposit.

6. Varo Believe is a secured credit card designed to help you build credit; however, a variety offactors impact your credit and not all factors are equally weighted. You must add money beforeusing, money added sets the spending limit. Funds spent are held in your Varo Believe SecuredAccount to pay off any balance in full monthly, when due.Quals apply.The Varo Visa® BelieveCard is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.

7. Available at all stand-alone CVS® locations with a cashier in the US except those locatedwithin hospitals, on military bases, or in Target. You can deposit between $20-$500 pertransaction. A fee may apply for depositing cash at other retail locations. © Copyright 1999-2026CVS.com. Service provided by Green Dot®. ©2026 Green Dot Corporation. All rights reserved.Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.

Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20- $250.Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo BankAccount. Your current limit and applicable fees can be viewed in the Varo App.Qualifications apply. Subject to evaluation of consumer reports and Varo account activity.

The Varo Visa® Debit Card is issued by Varo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.

PNC Disclaimer:

*You will not be eligible for the offer if you or any signer on the new account has an existing PNC Bank consumer checking account, or have closed an account within the past 12 months, or if you have been a primary signer on a consumer checking account that has received a PNC promotional premium in the past 24 months. If multiple accounts are opened with the same signers, only one account will be eligible for the premium. Trust, Estate, and other specialty titled accounts are excluded from this offer.

You may earn a $400 reward if you open a new Virtual Wallet with Performance Select or a $100 reward if you open new Virtual Wallet and meet all qualifying conditions. After you open a checking product, you must remain in that product to receive the corresponding reward; changing your checking product after account opening could result in your offer eligibility, terms, and corresponding reward amount changing.

Offer is valid 9/1/2026 through 1/7/2027 and may be extended, modified, or discontinued at any time and may vary by market. PNC Bank may have other checking offers with different terms.

To receive the reward:

• 1) Open a new, eligible PNC checking product online via the application links on this page.
• 2) Set up and receive total qualifying direct deposit(s) within the first 60 days. A qualifying direct deposit for this offer is defined as a recurring direct deposit of a paycheck, pension, Social Security, or other regular income electronically deposited by an employer or an outside agency into the Spend account. The total amount of all qualifying direct deposits received into your Spend account must be at least $500 for Virtual Wallet or $5,000 for Virtual Wallet with Performance Select. Credit card cash advance transfers, wire transfers, person-to-person transfers, transfers from one account to another, or deposits made at a branch, ATM, mobile device or through the mail do not qualify as qualifying direct deposits.

The reward will be credited to the eligible account 60–90 days after all conditions have been met and identified as “Credits Check Reward” on your monthly statement. The eligible account must remain open to receive the reward. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you. Please consult your tax adviser.

Visit PNC.com/locator to find a PNC or Partner ATM near you where PNC customers can access money fee-free. Partner ATMs are not owned by PNC and may be limited to cash withdrawal functionality.

Virtual Wallet with Performance Select includes no charge for using other banks' domestic or international ATMs and up to $10 fee reimbursement per statement cycle for other banks' ATM surcharge fees.Low Cash Mode is only available on the Spend account of your Virtual Wallet product.

Truist Checking Disclaimer:

¹Terms and Conditions: Truist Checking $500 Offer

Offer Information: Open a new Truist One Checking account or Truist Marquee Checking account online, in a branch or by phone from 7/14/26 through 2/2/27 and earn $500 after you complete the following qualifying activities within 120 days of the account opening (the day after your account is opened is considered day 1). All required transactions for qualifying activities must post to the enrolled account within the 120-day qualification period.

• Receive at least two qualifying direct deposits* totaling $2,000 or more, AND
• Complete at least 20 qualifying debit card purchases**

Enrollment in the promotion is required (see Enrollment Instructions). A valid promo code must be applied at account opening to enroll in the promotion and cannot be added after the account is opened. Promo codes are single-use only, should not be shared, and once redeemed, the promo code will no longer be valid.

*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person-to-person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.

**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 7/14/25 are not eligible to participate. Offer valid for Truist One Checking accounts and Truist Marquee Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer is available only to U.S. residents with a valid U.S. taxpayer identification number. The client must have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.

Reward Processing: The reward will be deposited to the new checking account within 10 business days after the qualification requirements have been met. The Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Reward forfeiture will occur if at the time of attempted payout the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms: The minimum opening deposit for Truist One Checking is $50. The minimum opening deposit for Truist Marquee Checking is $100. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. For Truist Marquee Checking, the Annual Percentage Yield (APY) is 0.01% for all balances $0.01 and above. The APY is accurate as of 7/14/26 and subject to change at any time, including after account opening. Fees may reduce earnings. All standard account terms and conditions apply.

Enrollment Instructions: Online: A valid promo code must be entered in the promo code field during account opening and the offer must be accepted when presented. By Phone or In Person: Request enrollment in the promotion using a valid promo code during account opening. Once enrolled in the promotion, progress updates are available through Truist Online and Mobile Banking or by calling 800-423-0948.

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²The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.

To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met:

• Account must be opened for a minimum of 35 calendar days
• Account must be funded with a positive balance
• A single direct deposit of at least $100 made within the last 35 calendar days

To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:

A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.

For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.

For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.

Truist Bank, Member FDIC. ©2026, Truist Financial Corporation. Truist, Truist Purple and the Truist Logo are service marks of Truist Financial Corporation.

Consumers Credit Union Disclaimer:

*APY = Annual Percentage Yield. CCU’s free Rewards Checking account is a tiered rate account based on qualifying activity. For balances from $ .01 - $10,000, the rate is based on qualifying activity and can range from 3.00% - 5.00% APY if minimum qualifications are met. For all tiers, if minimum qualifications are met, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. If minimum qualifications are not met, balances will earn .01% APY. Please see all terms and conditions on qualifying rate tiers. Fees may reduce earnings. No minimum balance required. This is a variable rate account and may change after the account is opened. APY’s are accurate as of 02.09.2026.

¹Early Direct Deposit fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases.

Bank of America Disclaimer:

¹UP TO $500 OFFER FOR ADVANTAGE PLUS AND ADVANTAGE RELATIONSHIP ACCOUNTS

Offer is limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve (12) months. Fiduciary accounts (e.g., trusts), Bank of America Advantage SafeBalance Banking®, Bank of America Advantage SafeBalance Banking® for Family Banking accounts, and business accounts are not eligible for this offer. Bonus is only valid for one new Bank of America Advantage Plus Banking® account or one new Bank of America Advantage Relationship Banking® account. Offer cannot be combined with any other checking bonus offer and is limited to one bonus per account and per customer. Offer expires on January 31, 2027. Bank of America may change or discontinue this offer at any time before this date without notice.

You may receive different Bank of America promotional checking offers by various methods, i.e., mail, in person or email/online. These promotional checking offers may have different eligibility, enrollment, and bonus requirements.

Requirements to Receive a Checking Bonus:

1. Enroll in this offer through a Bank of America or Merrill associate or online through this offer’s webpage.

2. Open a new Bank of America Advantage Plus Banking® account or a new Bank of America Advantage Relationship Banking® account by January 31, 2027.

Bank of America Advantage SafeBalance Banking® and Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.

3. Set up and receive Qualifying Direct Deposits into that new Advantage Plus or Advantage Relationship account within ninety (90) days of account opening (“Deposit Period”).

At the end of the 90-day Deposit Period, all Qualifying Direct Deposits will be totaled to determine the bonus amount you may earn (see Bonus Chart).

“Bonus Chart”After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America Advantage Plus Banking® or Bank of America Advantage Relationship Banking® account within sixty (60) days. Offer is not valid if you or we convert your account to a different account type during the Deposit Period and/or up to and including the date any earned bonus would have been paid. Your new account must be open and in good standing up to and including the date any earned bonus is paid.

A “Qualifying Direct Deposit" is a direct deposit of regular monthly income (such as your salary, pension or Social Security benefits, which are made by your employer or other payer) using account and routing numbers that you provide to them.

Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill investment account.

Your receipt of any bonus is subject to validation that you have provided all the information we require in connection with maintaining the account. This includes information needed to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.Additional Terms and Conditions: All account applications are subject to approval. The minimum deposit required to open a Bank of America Advantage Plus Banking® account is $100. The minimum deposit required to open a Bank of America Advantage Relationship Banking® account is $100, and the Annual Percentage Yield (APY) is as follows: less than $50,000, 0.01%; $50,000 and over, 0.02%. APYs are accurate as of 07/01/2026. For today’s rates, select the applicable account at bankofamerica.com/depositsrates. Rates may change at any time without prior notice, before or after the account is opened, and may vary by location. Fees may reduce earnings. Accounts, product terms, and fees may vary by location, and we may discontinue and/or add new account types at any time.

Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees (found at bankofamerica.com/fees) for account fees and additional information about accounts.

Reproduction, purchase, sale, transfer or trade of this offer is prohibited.

Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a Zelle® eligible U.S. checking or savings account. Bank of America transfers must be made from an eligible consumer or business deposit account. Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back – for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply.

Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking® account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the Personal Schedule of Fees for more information.

SafeBalance Banking® and SafeBalance Banking® for Family Banking accounts are automatically set to the Decline All overdraft setting. Transactions are declined or returned unpaid when they exceed your available balance. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won’t charge you an Overdraft Item Fee.

Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible Bank of America accounts for overdraft protection. This optional service can help you cover your payments and purchases and help avoid overdrafts and Overdraft Item Fees by automatically transferring available funds from your linked backup account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer.

Transfers from a linked (1) brokerage account with Merrill Lynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details. Balance Connect® is not available with SafeBalance Banking® or SafeBalance Banking® for Family Banking as a covered or linked backup account. Balance Connect® is available on Advantage Savings as a linked backup account, but not eligible to be enrolled as a covered account.

No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the Personal Schedule of Fees for details.BofA Rewards exclusive deals. BofA Rewards™ members will be eligible for exclusive deal offers. All such offers are subject to the standard terms and conditions of the deals program. Refer to the Deals homepage for details.

BofA Rewards™ Eligibility. Customers can enroll and maintain their membership in BofA Rewards™ if they have an open, qualifying Bank of America® checking account. BofA Rewards tiers are based on each customer’s combined average balance in qualifying deposit and investment accounts. The minimum balance for each tier is: Member, no minimum balance; Preferred Plus, $30,000; Preferred Honors, $100,000; and Premier, $1,000,000. When you enroll, you’ll be placed in the appropriate tier for your combined average balance and then moved to the highest tier you’re eligible for based on one of the following:

1. for the 30 calendar days following your first enrollment, the combined end-of-day collected balance of your qualifying accounts (“Daily Balance”), provided that your Daily Balance remains above the required amount for a minimum of three business days; or

2. subsequently, the combined average balance of your qualifying accounts calculated on the third business day of each month.

Eligible customers will be moved to the higher tier within 3 business days. New tier benefits may take up to 30 days to become effective. For full terms, including qualifying accounts and the method of calculation of average balances, refer to your Personal Schedule of Fees.

Additional Eligibility.Employees and retirees of Bank of America may be eligible for BofA Rewards membership on customized terms. For details, please call Employee Financial Services or refer to the Bank of America intranet site. Bank of America Private Bank clients qualify to enroll in the Premier tier regardless of balances. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible for BofA Rewards on customized terms.

Refer to CEBI Program for details.

To participate, you just need an eligible Bank of America checking account. Checking accounts may have a monthly maintenance fee if waiver requirements are not met.

Bank of America Advantage SafeBalance Banking, Bank of America Advantage Plus Banking, Bank of America Advantage Relationship Banking, Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation.

BofA Rewards is a trademark of Bank of America Corporation.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.