{"account":{"slug":"bank-of-america-advantage-banking","bank":"Bank of America","name":"Advantage Banking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.bankofamerica.com/deposits/checking/advantage-banking/","history":[{"date":"2026-06-11","apy":"None on SafeBalance/Plus; 0.01% on Advantage Relationship","monthlyFee":"$12 Advantage Plus; $25 Advantage Relationship with a $10,000 balance waiver shown in the archive record","minimumOpen":"$25 SafeBalance; $100 Plus and Relationship","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"None on SafeBalance/Plus; variable interest on Advantage Relationship, with the current rate unavailable online at review time","monthlyFee":"$4.95 SafeBalance; $12 Plus; $25 Relationship, each with current balance, activity, age, or BofA Rewards waiver paths","minimumOpen":"$25 SafeBalance; $100 Plus and Relationship","note":"Replaced the retired Preferred Rewards tier language, corrected the Relationship balance waiver from $10,000 to $20,000, and updated ATM benefits","sourceUrl":"https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees","sourceLabel":"Bank of America Personal Schedule of Fees, August 2026"},{"date":"2026-10-23","apy":"SafeBalance and Plus earn no interest. Relationship: public page displayed 0.01% APY below $50,000 and 0.02% at $50,000+, effective October 6, 2026. Variable; confirm the rate for your ZIP code.","monthlyFee":"$4.95 SafeBalance; $12 Plus; $25 Relationship. Each has separate waiver requirements.","minimumOpen":"$25 SafeBalance; $100 Plus or Relationship","atm":"No Bank of America ATM fee at its own ATMs. Other ATMs: $2.50 in the US or $5 abroad, plus possible operator/FX charges. Preferred Plus includes one US withdrawal and one transfer waiver/operator-fee refund per statement cycle; Preferred Honors and Premier include unlimited US waivers/refunds.","note":"Full account review: qualified the observed local APY, clarified Plus requires one $250 qualifying deposit, corrected cashier’s-check and negative-balance claims, and retained the separate expired bonus as withheld.","sourceUrl":"https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees","sourceLabel":"Bank of America August 2026 fee schedule, current product page and Clarity Statements"}],"verificationEvents":[{"id":"d2afd827-99b1-4c1c-84bb-c981a29c6c2a","entityType":"bank-account","slug":"bank-of-america-advantage-banking","checkedAt":"2026-10-23T12:42:00.616Z","recordedAt":"2026-10-23T12:42:00.617Z","sourceUrl":"https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees","sourceLabel":"Bank of America August 2026 fees, Clarity Statements and current product/rewards pages","outcome":"changed","summary":"Full account review: single-deposit waiver, location-qualified published APY, opening amounts, plan features, ATM/rewards benefits, ownership, FDIC coverage and official opening URL checked. Separate expired bonus remains withheld; no current replacement verified.","changedFields":["apy","monthlyFee","plans","features","atm","pros","cons","ourTake","editorialReview","termHistory","lastVerified"],"facts":{"fullAccountReview":true,"reviewedOn":"2026-10-23","observedRelationshipApy":{"below50000":0.01,"50000AndOver":0.02,"effective":"2026-10-06","limitation":"Public quote; confirm ZIP-specific rate"},"plusSingleQualifyingDeposit":250,"bonusSourceStatus":404,"bonusPublicationStatus":"source-unavailable","geography":"No universal availability claim; confirm address in application","sourceUrls":["https://www.bankofamerica.com/deposits/checking/advantage-banking/","https://info.bankofamerica.com/en/rewards/bofa-rewards","https://www.bankofamerica.com/content/documents/deposits/service/pdf/docrepo/BofA_CoreChecking_en_ADA.pdf","https://www.bankofamerica.com/content/documents/deposits/service/pdf/docrepo/BofA_InterestChecking_en_ADA.pdf","https://www.bankofamerica.com/deposits/resources/safebalance-clarity-statement.go?request_locale=en_US"]},"previousHash":"d87631e660a29cac744a1e146eccc62b1688a8f94943c15a51919c9ce2cd615c","recordHash":"ac4d70947e41260c728f2617c42133ffd97702e1d60b7fdfcb25a2b9e9861ea9"},{"id":"90121d3b-a233-483f-aec1-88a00b4c7b83","entityType":"bank-account","slug":"bank-of-america-advantage-banking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:06:38.920Z","sourceUrl":"https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees","sourceLabel":"Bank of America Personal Schedule of Fees, August 2026","outcome":"changed","summary":"Completed the three-account review; replaced retired Preferred Rewards language, corrected the Relationship balance waiver and updated current ATM tier benefits","changedFields":["apy","plans","features","atm","pros","cons","ourTake","bestFor","termHistory","lastVerified"],"facts":{"safeBalanceFee":4.95,"plusFee":12,"relationshipFee":25,"relationshipBalanceWaiver":20000,"preferredPlusBalance":30000,"preferredHonorsBalance":100000,"premierBalance":1000000},"previousHash":"7184c87c9ea48505f3f5c2de374d195d09853bd61375921ef44e256e24b581df","recordHash":"56053ca3320238c93d80e3a52e0a703c28c940d95884eb7b463ebd3afbde429a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}