Best Bank of America Checking Account Bonuses & Offer Codes of March 2026

Looking for the latest Bank of America checking bonus?

As one of the “big four” U.S. banks, Bank of America already holds a dominant position in the financial system. What surprises many customers, however, is how competitive its sign-up bonuses can be.

Depending on the promotion and account type, Bank of America has offered bonuses ranging from $100 to as much as $2,500 for opening a qualifying account and meeting straightforward requirements.

These promotions aren’t niche or limited to a small audience. They’re structured to appeal to:

• Everyday consumers opening personal checking accounts
• High-income professionals seeking relationship perks
• Small business owners opening business checking accounts
• Clients integrating banking with Merrill investing

Headquartered in Charlotte, North Carolina, Bank of America operates in more than 35 countries and offers a full ecosystem of financial products — including checking, savings, credit cards, loans, HSAs, small business banking, and investment services through Merrill.

While Bank of America’s interest rates are rarely the highest in the market, its competitive advantages include:

• A top-tier mobile app and online banking platform
• One of the largest branch and ATM networks in the U.S.
• Integrated banking and investing under one umbrella
• Strong Preferred Rewards relationship benefits

For many customers, the appeal is convenience, scale, and long-term strategic value rather than headline APYs.

If you’re opening a new account or consolidating your finances, taking advantage of a Bank of America promotion can provide easy upfront cash while gaining access to a nationwide banking network.

Below, we’ll break down:

• The latest Bank of America checking and business bonuses
• Step-by-step qualification requirements
• Eligibility rules and exclusions
• How to maximize the value of these offers

If you’re considering switching banks, this is one of the largest institutions offering meaningful sign-up incentives.

Best Bank of America Promotions

Bank of America wants you as a new customer, so they often have good welcome bonuses available for new accounts.

See the current promotions below.

READ MORE: GET TOP OFFERS FROM CHASE, AXOS, TD BANK AND U.S. BANK.

How Can You Get a Bank of America Checking Account Bonus?

As a new consumer checking customer at Bank of America, it’s not too hard to qualify for an offer. 

• You can open a new Bank of America checking account with a special offer code. The deal may only be available online.
• Meet the requirements for the promotion. Most personal checking accounts require at least one direct deposit every month.
• Usually, it takes 60 days after you meet the requirements to get your bonus.

Take a look at the current offers above and read the offer terms carefully.

READ MORE: GET THIS BANK OF AMERICA CHECKING BONUS BEFORE IT EXPIRES

What You Need to Know About Bank of America Checking Offers

You can find several different checking products for consumers under the Advantage Banking brand, including:

• Bank of America Advantage SafeBalance Banking^®. This account doesn’t have paper check writing privileges and has a $4.95 monthly maintenance fee (details on waiving this fee are below).
• Bank of America Advantage Plus Banking^®. This account is their best choice for everyday banking and has a $12 monthly fee (details on waiving this fee are below).
• Bank of America Advantage Relationship Banking^®. This account earns interest and has extra perks – it has a $25 monthly fee (details on waiving this fee are below).

What Counts as a Direct Deposit?

Checking bonus offers from Bank of America typically require an offer code to apply online. And direct deposit is usually required to qualify.

Qualifying direct deposits include deposits of regular monthly income, such as salary, pension or Social Security.

When Will You Receive Your Bonus?

The terms state that Bank of America will attempt to deposit your bonus within 60 days after you satisfy the offer requirements.

Other Things You Should Know About Bank of America Checking Account Bonuses

• Your account must remain open to receive the bonus offer. Bank of America wants you to keep your account open until the date your bonus is paid. When a customer meets the requirements, they usually get their cash within 60 days.
• You may have to pay taxes on the bonus. Your bonus money in your bank account could count as taxable income. Bank of America may send you an IRS Form 1099 showing how much your welcome bonus was worth.
• You must be a new customer to qualify for the bonus. Welcome bonuses from Bank of America are for people who open a new checking account. You are a new personal checking customer if you haven’t owned or co-owned a Bank of America consumer checking account in the last 12 months. As a new personal checking customer, you can only get one welcome bonus.

READ MORE: CUSTOMERS ARE GETTING BIG BONUSES WITH U.S. BANK

How Bank of America Checking Account Bonuses Compare With Others

• Best Bank Bonuses & Promotions of March 2026

• Regions Bank $400 Checking Account Bonus [Available in Many States] – Ends 1/1/27
• Acorns Bonuses: $20 Sign-Up Bonus & Up To $1000 Referral Offer – March 2026
• Remitly Welcome Bonus: Get a $25 Sign-Up + $25 Referral Credits
• Upgrade Rewards Checking $200 Bonus With Upgrade Cash Rewards Visa®
• Huntington Bank $600 Platinum Perks Checking Bonus – Ends 3/15/26

Our Take on the Offer

BofA has a large number of customers in the United States. Some of these customers carry large balances and are eligible for its Preferred Rewards program, which gives them extra perks, lower fees, and rewards multipliers.

Bank of America is also eager to bring in new customers, and it uses sign-up bonuses to do so.

If you want a new bank account, you might want to look into Bank of America checking promotions. As a welcome bonus, you can get a good amount of cash, but keep in mind that other banks may have more generous offers.

Share Your Experience

Do you have experience banking with Bank of America or earning one of their bonuses? If so, we would like to hear about it. Please share your thoughts in the comments section.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Frequently Asked Questions (FAQ)

By Tony Jay, a seasoned finance blogger and executive editor, who boasts over two decades of experience in the banking sector, with a specialization in online banking and savings strategies. Tony holds a doctoral degree from Tulane University. Edited by John Huynh, who brings more than two decades of experience in finance and investing, including as a senior finance and operations manager at a renowned research institute and degrees in economics and international studies from UC Irvine.