Understanding your Bank of America account type is crucial for managing your finances effectively. It helps you grasp the features, fees, and benefits associated with your specific account, enabling you to optimize your banking experience. Whether you're trying to avoid monthly fees, understand interest earnings, or simply confirm what you have, this comprehensive guide will walk you through the process step-by-step.
Are you ready to unlock the secrets of your Bank of America account? Let's dive in!
 |
| How To Know My Bank Of America Account Type |
Step 1: Start with Your Digital Access - Online & Mobile Banking
The easiest and quickest way to ascertain your Bank of America account type is through their robust digital platforms. If you haven't already, enrolling in online banking or downloading the mobile app is highly recommended. These tools provide a wealth of information at your fingertips, 24/7.
Sub-heading 1.1: Logging into Bank of America Online Banking
- Visit the Official Website: Open your web browser and go to the official Bank of America website (bankofamerica.com).
- Locate the Login Section: Look for the "Sign In" or "Log In" button, usually located in the top right corner of the homepage.
- Enter Your Credentials: Input your User ID and Password. If you've forgotten them, there are "Forgot User ID" and "Forgot Password" links to guide you through the recovery process.
- Security Verification: You might be asked to complete a security verification step, such as entering a code sent to your phone or email.
Sub-heading 1.2: Navigating the Bank of America Mobile App
- Download the App: If you don't have it, download the "Bank of America Mobile Banking" app from your device's app store (App Store for iOS or Google Play Store for Android).
- Open and Log In: Launch the app and enter your User ID and Password.
- Enable Biometrics (Optional but Recommended): For faster and more secure access in the future, consider enabling Touch ID, Face ID, or fingerprint login if your device supports it.
Sub-heading 1.3: Finding Your Account Type within Digital Banking
Once logged in, both the online banking portal and the mobile app offer similar pathways to your account information:
- Accounts Overview: On the main screen or dashboard, you'll typically see a summary of all your linked Bank of America accounts. Each account will usually have a brief description.
- Select the Specific Account: Click or tap on the account you wish to investigate further. This will take you to the account details page.
- Locate "Account Details" or "Information & Services" Tab: On the account details page, look for a tab or section labeled "Account Details," "Information & Services," or something similar.
- Identify Your Account Type: Within this section, you will find detailed information about your account, including its type (e.g., Advantage Plus Banking, Advantage SafeBalance Banking, Advantage Savings, Business Advantage Checking), account number (often masked for security), and routing number.
Step 2: Reviewing Your Bank Statements
Your monthly or quarterly bank statements are a treasure trove of information about your account. Whether you receive them electronically or via mail, they clearly state your account type.
Sub-heading 2.1: Accessing Statements Online
- Through Online Banking/Mobile App: As mentioned in Step 1, navigate to your account within online banking or the mobile app.
- "Statements & Documents" Section: Look for a "Statements & Documents" or "eStatements" tab. Here you can view, download, and print past statements.
- Check the Header: The very top of your statement will typically list your account type, along with your name and account number.
Sub-heading 2.2: Examining Paper Statements
- Locate Recent Statements: Gather any physical bank statements you've received from Bank of America.
- Scan the Top Section: Just like with online statements, the account type will be prominently displayed in the header of the statement.
Step 3: Consulting Your Account Documents
When you initially opened your account, you would have received several documents outlining the terms and conditions. These documents explicitly state the account type.
Tip: Read in a quiet space for focus.
- Welcome Packet: Dig out the welcome packet you received when you opened your Bank of America account.
- Account Agreement: Look for the "Account Agreement," "Deposit Account Agreement," or "Truth in Savings Disclosure." These documents detail the specific features, fees, and requirements of your account type.
- Statements of Fees: Sometimes, a separate "Statement of Fees" or "Fee Schedule" will also specify the account type it applies to.
Step 4: Contacting Bank of America Directly
If you've exhausted the digital and document-based methods, or simply prefer direct assistance, reaching out to Bank of America's customer service is a reliable option.
Sub-heading 4.1: Calling Customer Service
- Find the Right Number: The general customer service number for Bank of America in the US is 1-800-432-1000. If you're outside the US, you can usually find international numbers on their website.
- Prepare for Verification: When you call, you'll need to verify your identity. Have your account number (even if partially known), Social Security Number (SSN) or Tax ID, and possibly answers to security questions ready.
- State Your Query Clearly: Simply state, "I'd like to know my checking/savings account type." The representative will be able to provide this information.
Sub-heading 4.2: Visiting a Financial Center
- Use the Locator: Use the Bank of America website or mobile app's "ATM & Financial Center Locator" to find the nearest branch.
- Schedule an Appointment (Optional but Recommended): While walk-ins are usually welcome, scheduling an appointment can save you wait time.
- Speak with a Personal Banker: A personal banker can access your account information and tell you your account type. Bring a valid government-issued photo ID for verification.
Step 5: Understanding Common Bank of America Account Types
While you'll find the exact name of your account using the steps above, it's helpful to be familiar with some of the common personal checking and savings account types offered by Bank of America. This can give you a better idea of what to expect from your account.
Sub-heading 5.1: Bank of America Checking Accounts
Bank of America offers a variety of checking accounts, each with different features and ways to waive monthly maintenance fees. Some common ones include:
- Bank of America Advantage SafeBalance Banking®: Designed for those who prefer to manage their spending with no overdraft fees. It often requires a lower minimum to avoid a monthly fee or has other fee waiver options.
- Bank of America Advantage Plus Banking®: A popular choice with features like direct deposit and online bill pay. It typically has a higher monthly fee that can be waived by meeting certain balance requirements or having qualifying direct deposits.
- Bank of America Advantage Relationship Banking®: This account often comes with more benefits, including interest earning potential and fee waivers for linked accounts, usually requiring a higher combined balance across linked Bank of America accounts.
Sub-heading 5.2: Bank of America Savings Accounts
Bank of America's primary personal savings account is:
Reminder: Save this article to read offline later.
- Bank of America Advantage Savings: This account helps you save money while earning interest. It often has a monthly maintenance fee that can be waived by maintaining a minimum daily balance, linking to an eligible checking account, or being a Preferred Rewards member.
Sub-heading 5.3: Other Account Types
Beyond checking and savings, Bank of America also offers:
- Certificates of Deposit (CDs): Time-deposit accounts that earn a fixed interest rate for a set period.
- IRAs (Individual Retirement Accounts): Accounts designed for retirement savings with tax advantages.
- Business Accounts: Various checking and savings options tailored for small businesses (e.g., Business Advantage Fundamentals™ Banking, Business Advantage Relationship Banking, Business Advantage Savings).
By following these steps, you'll be well-equipped to confidently identify your Bank of America account type and gain a clearer picture of your banking relationship.
 |
Frequently Asked Questions (FAQs)
How to know my Bank of America account number?
You can find your full account number by logging into Online Banking or the mobile app, selecting your account, and navigating to the "Information & Services" or "Account Details" tab. It's usually displayed there, though sometimes you might need to click a "Show" link. Your paper statements also show your full account number.
How to identify my Bank of America checking account type from a debit card?
While your debit card will show your account number (or part of it), it typically does not explicitly state your account type. To find your account type, you'll need to refer to your online banking, mobile app, or account statements.
Tip: Reflect on what you just read.
How to check my Bank of America savings account balance?
You can check your Bank of America savings account balance by logging into your Online Banking account or the Mobile Banking app. The balance will be prominently displayed on your accounts overview page. You can also get it at an ATM or by calling customer service.
How to view my Bank of America account statements online?
Log in to Bank of America Online Banking or the Mobile Banking app. Select the account you want to view statements for, then look for the "Statements & Documents" or "eStatements" section. You can typically view, download, and print statements for up to 18 months or more.
How to contact Bank of America customer service?
You can contact Bank of America customer service by calling their general line at 1-800-432-1000 (within the US). For specific services or if you're outside the US, check their official website for relevant contact numbers.
How to open a new Bank of America account?
You can open a new Bank of America account online through their website, by calling customer service, or by visiting a financial center. You'll need personal information, such as your SSN, a valid ID, and initial deposit funds.
QuickTip: Pause when something feels important.
How to waive Bank of America monthly maintenance fees?
Fee waivers for Bank of America accounts vary by account type. Common ways include maintaining a minimum daily balance, having qualifying direct deposits, or being enrolled in the Preferred Rewards program with a certain combined balance across linked accounts. Check your specific account's terms for details.
How to link a Bank of America savings account to a checking account?
You can typically link your Bank of America savings account to your checking account for overdraft protection or easier transfers. This can often be done through Online Banking, the Mobile App, or by contacting customer service/visiting a financial center.
How to change my Bank of America account type?
To change your Bank of America account type (e.g., from Advantage SafeBalance to Advantage Plus), you generally need to contact Bank of America directly. You can do this by calling customer service or visiting a financial center. They will guide you through the process and explain any implications.
How to find my Bank of America routing number?
Your Bank of America routing number can be found on your checks (the first nine digits at the bottom), within your Online Banking account (under "Account Details" or "Information & Services"), or on your monthly bank statements. The routing number can vary based on the state where you opened your account.
 |
