Bank of America’s easiest bonus is $100. Open an Advantage SafeBalance Banking account and make at least 20 qualifying debit card or Zelle transactions within 60 days.
Direct depositors can earn up to $500. Advantage Plus and Advantage Relationship accounts pay $100, $300 or $500 depending on how much you direct deposit within 90 days.
You must open online through a specific promotional page. Opening in a branch or through Bank of America’s regular website makes you ineligible for the bonus.
This summary was generated by AI and may contain errors or omissions.
Bank of America is one of the largest banks in the United States, with over 70 million customers and business clients. It has a big physical footprint, too, with around 3,500 branch locations and about 15,000 branded ATMs. When it comes to bank account bonuses, it doesn’t shy away from them, so if you’re looking to switch to Bank of America, check out these bonus offers for 2026.
All Bank of America bonuses at a glance
Account
Bonus amount
Requirements
Learn more
Bank of America Advantage SafeBalance Banking
$100
Open the SafeBalance Banking checking account through a specific promotional page (can only be opened online and through an affiliate link) by September 30, 2026. Then, make at least 20 qualifying debit card or Zelle transactions within 60 days of opening. Bonus delivered within 60 days of meeting requirements if your account is open and in good standing.
Bank of America Advantage Plus or Advantage Relationship Banking
Up to $500:
$100 for direct depositing $2,000 to $4,999
$300 for direct depositing $5,000 to $9,999
$500 for direct depositing $10,000+
Open the new account through a specific promotional page (can only be opened online and through an affiliate link) by September 30, 2026. Set up qualifying direct deposits within 90 days of enrollment, and earn a bonus of either $100, $300 or $500, depending on the total amount of direct deposits received within the 90 days.
Hot tip: Must use specific link for Bank of America bonuses
You can only get the Bank of America checking bonuses if you go through an affiliate link and open the account online through a specific promotional page. This means if you were to try and go to Bank of America’s website normally, or even visit a branch to open the account in person, you won’t be eligible for the bonus.
Bank of America’s best bonus offer
The Bank of America Advantage SafeBalance Banking $100 offer isn’t too hard, actually. You just need to make at least 20 debit card or Zelle transactions to earn the $100 bonus.
Also, there’s a standout feature in the bonus requirement: Bank of America considers Zelle transactions as qualifying transactions. Most bank account bonuses don’t count Zelle transactions in bonus requirements. However, the Zelle transactions must be posted, and be money sent from or received into the same enrolled Bank of America Advantage SafeBalance Banking account.
Just remember that with either of Bank of America’s bonus offers, the accounts themselves do have opening deposit requirements and monthly fees to consider. The SafeBalance account has a $25 minimum opening deposit and $4.95 monthly fee (waived if you’re under age 25). The Advantage checking accounts both have a $100 minimum opening deposit, and Plus has a $12 monthly fee (waived with direct deposit) and Relationship checking has a $25 monthly fee (waived with a qualifying balance).
Earn a $250 bonus with 360 Checking. Open a new account on or after August 22nd, 2024 using the promo code CHECKING250 then set up and receive at least 2 qualifying direct deposits of $500 or more within 75 days of account opening. Terms Apply.
For the SafeBalance checking bonus, qualifying transactions include digital or physical debit card transactions, and one-time payments or recurring payments using your debit card. It also considers posted Zelle transactions using the account.
For the Advantage Plus and Advantage Relationship bonuses, a qualifying direct deposit is considered deposits for your salary, pension or Social Security benefits, made by your employer or other payer. Transactions that are not included in qualifying direct deposits include things like teller deposits, wire transfers, debit card transfers and ATM deposits.
The current bank bonus offers from BofA are limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve calendar months.
No. For the most part, you'll see banks offer bonuses with some requirements to get that bonus. After stipulations are met, it might take a few days (or even weeks) for the bonus to be delivered.
Bank account bonuses are designed to entice new customers to get their accounts.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine.
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