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An all-in-one business
checking account
Business Advantage Banking — business checking accounts designed to move your business forward with financial tools, services and dedicated support, all in one place.
Complete your saved application
Remember, if your business needs change, you can switch anytime.
Business Advantage Fundamentals™ Banking
Business Advantage Relationship Banking
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We've got the business checking account that's right for you
Business Advantage Fundamentals™ adatext Banking
Essential tools for your business needs.
$XXXX or $0
Avoid this monthly fee
Meet one of the following requirements each statement cycle
- Maintain a combined average monthly balance of $XXXX or more in eligible linked business deposit accounts adatext
- Spend at least $XXXX in new net qualified debit card purchases adatext
- Become a Preferred Rewards for Business member adatext
- Efficiency tools like Cash Flow Monitor® adatext , Erica adatext , Mobile Check Deposit adatext & more
- Zelle® for your business adatext
- Easy QuickBooks® integration adatext
- Customize account access per employee
- Access to dedicated small business specialists
- Fraud protection & security
Business Advantage Relationship Banking
Robust financial solutions to help manage your business.
$XXXX or $0
Avoid this monthly fee
Meet one of the following requirements each statement cycle
- Maintain a combined average monthly balance of $XXXX or more in eligible linked business deposit accounts adatext
- Become a Preferred Rewards for Business member adatext
All Business Advantage Fundamentals™ benefits plus:
- One extra Business Advantage Relationship Banking account and one Business Advantage Savings account can be included for no monthly fee adatext
- No fees for incoming wires, stop payments, electronic deposits & more
Compare business checking accounts
Fundamentals™ Banking
Business Advantage Fundamentals™ Banking
Relationship Banking
Business Advantage Relationship Banking
Second Business Advantage Banking account
$XXXX/month
$0/month
Business Advantage Savings account adatext
$XXXX/month
$0/month
Incoming wires, stop payments and more
Fees vary
$0/month
Customize access with Account Management service adatext
$0/month
$0/month
Teller transactions and checks written with no fee
200 transactions/month
500 transactions/month
Monthly fee
$XXXX or $0
$XXXX or $0
Avoid monthly fee by meeting one of the
following requirements each statement cycle, or
become a Preferred Rewards Business member adatext
Avoid monthly fee by meeting one of the
following requirements each statement cycle, or
become a Preferred Rewards Business member adatext
Maintain a combined average monthly balance of $XXXX or more in eligible linked business deposit accounts adatext
Spend at least $XXXX in new net qualified debit card purchases adatext
Maintain a combined average monthly balance of $XXXX or more in eligible linked business deposit accounts
Fundamentals™ Banking
Open Business Fundamentals ® Checking Account now
Open Business Fundamentals ® Checking Account now
Relationship Banking
Open Business Fundamentals ® Checking Account now
Open Business Fundamentals ® Checking Account now
A full scope of tools and services — all in one place
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Improve efficiency and complete daily tasks easier with these tools.
Profile linking
Easily view and manage personal and business accounts with just one login.
For your Business
It's a fast and easy way for businesses to receive and send money directly between eligible bank accounts in the U.S. adatext
Cash Flow Monitor adatext
Get cash flow projections, monitor transactions and view category balances.
Business credit scores adatext
View your Dun & Bradstreet business credit scores for free within Business Advantage 360.
Connected Apps adatext
Track your cash flow, manage expenses, and even connect external accounting and payroll data to your dashboard.
Digital card for debit adatext adatext
Start using your digital card immediately for online and in-store purchases.
Improve efficiency and complete daily tasks easier with these tools.
Profile linking
Easily view and manage personal and business accounts with just one login.
For your Business
It's a fast and easy way for businesses to receive and send money directly between eligible bank accounts in the U.S. adatext
Cash Flow Monitor adatext
Get cash flow projections, monitor transactions and view category balances.
Business credit scores adatext
View your Dun & Bradstreet business credit scores for free within Business Advantage 360.
Connected Apps adatext
Track your cash flow, manage expenses, and even connect external accounting and payroll data to your dashboard.
Digital card for debit adatext adatext
Start using your digital card immediately for online and in-store purchases.
Help when you need it — from our resource center to Small Business Specialists
Privacy & security
Enjoy business debit cards with our $0 Liability Guarantee adatext and fraud monitoring services. Plus, if there's ever an issue, our fraud department is here for you 24/7. For more information about protecting your business online, visit our Security Center.
Dedicated specialists
Get access to our team of dedicated Small Business Specialists, ready to provide assistance or guidance when you need it.
Center for Business Empowerment
Find in-depth articles, tools and great information designed to help business owners start, run and grow their business.
Enrolling is easy and there’s no fee. Members have access to a wide range of benefits and rewards.
No fees
on select banking services like monthly maintenance fees, inbound wire transfers, and more.
25%-75% Rewards Bonus
on eligible business credit cards.
5% - 20% Interest Rate Booster
on Business Advantage Savings accounts.
Interest rate discounts
on new Business Advantage credit lines, term loans and secured lending.
Payroll Services Cash Back
on eligible payroll service fees.
Professional advice
Complimentary financial analysis with a Merrill® financial solutions advisor.
To qualify for Preferred Rewards for Business, you'll need:
An active, eligible Bank of America Advantage Banking account and a three-month combined average daily balance of $20,000 or more in qualifying Bank of America business deposit accounts and/or Merrill business investment accounts.
Additional program information is available at: Preferred Rewards for Business.
Preferred Rewards for Business Eligibility Requirements:
The Preferred Rewards for Business program is only available to Bank of America Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business clients. Other categories of clients, such as those commonly referred to as Business Banking, Global Commercial Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i): your average daily balance for a three calendar month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements.
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Remember, if your business needs change, you can switch anytime.
Business Advantage Fundamentals™ Banking
Business Advantage Relationship Banking
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866.283.4075
Mon-Fri 8 a.m. – 10 p.m. ET
866.283.4075
Mon-Fri 8 a.m. – 10 p.m. ET
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