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"Advantage with Tiered Interest Checking" from Bank of America
The Basics
A $100.00 deposit is required to open this account.
The service fee is waived if you maintain a combined average daily balance of $10,000 in the following accounts:
- Checking, savings, money market
- CDs IRAs
- Credit cards, loans, lines of credit
- Mortgages and investments.
Some accounts, including student loans, do not qualify for this combined balance.
- Checking, savings, money market
- CDs IRAs
- Credit cards, loans, lines of credit
- Mortgages and investments.
Some accounts, including student loans, do not qualify for this combined balance.
This is a interest-bearing checking account. The account earns 0.05% for balances over $0.00 and 0.1% on balances over $10,000.00.
Debit Cards & Using ATMs
The annual fee is $30.00 for either 'Air Miles with US Airlines' or 'Air Miles with Alaska Airlines' programs. (Note: neither program is available in WA or ID)
There is a $2.00 fee each time you use a non-affiliated ATM.
There is a $5.00 fee each time you use a ATM in another country.
Electronic & Telephone Banking
In addition to the standard online banking features, this service includes:
- Personal finance tools for budgeting and planning;
- Secure online document storage.
- The ability to schedule wire transfers to accounts with other financial institutions.
- Personal finance tools for budgeting and planning;
- Secure online document storage.
- The ability to schedule wire transfers to accounts with other financial institutions.
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Confirmation that bills have been paid.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Confirmation that bills have been paid.
You can download 90 days of transaction history in the following formats:
- Statement Download for Money 2007 and above;
- Managing Your Money - QIF file (2 digit);
- Quicken and Microsoft Money - QIF file (4 digit);
- Microsoft Excel;
- Printable Text.
- Statement Download for Money 2007 and above;
- Managing Your Money - QIF file (2 digit);
- Quicken and Microsoft Money - QIF file (4 digit);
- Microsoft Excel;
- Printable Text.
Online Billpay
Free
This institution supports:
- A text messaging service to receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
- A text messaging service to receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Automated Phone Banking
Free
You can download up to 90 days of transaction history directly into Quicken with their DirectConnect service.
Checks & Statements
Unlimited Check Writing
Yes
All orders of 'basic' checks are free, and orders of 'premium' checks are discounted by $8.
Monthly Paper Statements
Yes
Check Images with Statements
Included
Electronic Statements
Yes
Check images are viewable online for 180 days.
Overdrawing the Account
The insufficient funds fee is $35 per item. No overdraft fee is charged when you overdraw your account by $10 or less.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- No transfer fee.
- Funds are transferred in $100 increments.
- No transfer fee.
- Funds are transferred in $100 increments.
From a linked Overdraft Line of Credit:
- No transfer fee.
- Funds are transferred in $100 increments.
- No transfer fee.
- Funds are transferred in $100 increments.
From a linked Credit Card:
- Transfer fee of $10.00. The transfer fee is charged per item;
- Funds are transferred in $100 increments.
- Transfer fee of $10.00. The transfer fee is charged per item;
- Funds are transferred in $100 increments.
Savings and Money Market Accounts
'Regular Savings' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
The account has a monthly service fee of $5.00. This fee can be waived if you:
- Maintain a minimum balance of $300.00;
- Having an automatic transfer of $25 or more from your Bank of America checking account.
- Maintain a minimum balance of $300.00;
- Having an automatic transfer of $25 or more from your Bank of America checking account.
'Growth Money Market Savings' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.15% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.45% at $25,000.00
- 0.15% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.45% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you:
- Maintain a minimum balance of $5,000.00;
- Linking this account to an Advantage with Tiered Interest Checking Account.
- Maintain a minimum balance of $5,000.00;
- Linking this account to an Advantage with Tiered Interest Checking Account.
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All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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