Bank of America Advantage Checking — Up to $1,000 Tiered Cash Bonus – $1,000.00 Bonus
Admin Bank of America is running a tiered checking-account bonus for new checking customers: earn between $100 and $1,000 in cash, depending on how much qualifying direct deposit you route into the new account. It is open nationwide — apply online or in a branch — and you must open by January 31, 2027.
Here is how the tiers stack up. Receive $2,000 in qualifying direct deposits within 90 days of account opening for $100; $5,000 for $300; $10,000 for $500; or $15,000+ for the full $1,000. Qualifying direct deposits mean regular income from an employer or payer — salary, pension, or Social Security benefits — sent through the account and routing numbers you give them. Moving money between your own accounts, Zelle payments, and ATM or branch deposits do not count.
To enroll, open a new Bank of America Advantage Plus Banking or Advantage Relationship Banking account through the promotional offer page (the offer attaches to your application automatically). Stack the direct deposits inside the 90-day window, keep the account open and in good standing, and Bank of America pays the bonus into the new account within 60 days after the deposit period ends.
Fine print worth knowing: new checking customers only — you are not eligible if you were an owner or co-owner of a Bank of America personal checking account within the last 12 months. SafeBalance Banking for Family Banking accounts are excluded from this offer. The account carries a $12 monthly maintenance fee that can be avoided with qualifying activity, so check the fee waiver options while you apply.
Pros and cons
- Pro: Big tiered bonus — up to $1,000 for $15,000+ in direct deposits, or $300 for a very achievable $5,000.
- Pro: No minimum initial deposit and no balance you have to sit on — the money just has to arrive as direct deposit within 90 days.
- Pro: Long runway: open by January 31, 2027 and get a full 90 days to stack the deposits.
- Pro: Nationwide availability; open online or in a branch.
- Con: Requires real direct deposit — transfers between your own accounts, Zelle, and ATM deposits do not count.
- Con: The top $1,000 tier needs $15,000+ in direct deposits in 90 days; most people will realistically land the $100 or $300 tier.
- Con: Not eligible if you owned or co-owned a Bank of America personal checking account in the last 12 months.
- Con: SafeBalance Banking for Family Banking accounts are excluded.
Bonus details
Bonus: up to $1,000.00 — new checking customers, nationwide — Bonus verified: 2026-10-21T07:39:18Z.
Bonus verified: 2026-10-21T07:39:18Z (UTC). Bank bonuses count as interest income, so expect a tax form on the payout. Terms can change — confirm the current offer on Bank of America’s site before you apply.
