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Bank of America Core Checking

RatesFeesUsageReviewsQ&A

Bank of America Core Checking Rates

Balance	APY
$1+	0.000%

$100

Bank of America Core Checking Fees

	$12
	$1500
	Make at least one qualifying Direct Deposit of $250 or more, OR Students under age 24 are eligible to have this fee waived while enrolled in high school, college, university or a vocational program.

	$0
	$35
	Info Not Found

Bank of America Core Checking ATM & Debit Card Usage

	None
ATM Network Size	N/A
	$2.50
	Not Offered

	3% (and $5)
	VISA
	3%

Bank of America Core Checking Additional Info

	No
	$0 per month
	None

Deposit a check using the camera on your smartphone or tablet and the Mobile Banking app.

Bank of America Core Checking Q&A

Can't find what you are looking for? Submit your question about Bank of America Core Checking to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Can I overdraft my Bank of America Core Checking account at the ATM?

Upvotes

WalletHub

Yes, Bank of America gives you the possibility of overdrafting your account at an ATM. When withdrawing the money you'll need to accept the terms and you'll receive a receipt with confirmation of your agreement. Please note that you will be charged a $35 fee per withdrawal.

How much can I overdraft my Bank of America Core checking account?

Upvotes

WalletHub

The overdraft limit for your account depends on your account's history with the bank.

Please call customer service at 800.432.1000 to find your overdraft limit.

How much money needs to be in my account to use the emergency overdraft at the ATM?

Upvotes

WalletHub

As per the bank's overdraft policy, regardless of the amount of money in your account, you may be able to authorize an overdraft and access cash at a Bank of America ATM. You'll pay a $35 Overdraft Item fee for the ATM withdrawal unless you deposit money to cover your...

Can I overdraft my account even if it has an negative balance?

Upvotes

How do I withdraw emergency cash at the ATM?

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WalletHub

According to the bank's overdraft policy, if you authorized an overdraft, you will be able to withdraw emergency cash at a Bank of America ATM, even if you have no funds in your account.

My son has a Core Checking Account. He is 18 and a full time student. What do we need to do to have the $12 monthly fee waived?

Upvotes

WalletHub

In order to have the monthly fee waived, you need to go into a branch and request this from the bank. You will also be asked for proof of enrollment for your son.

View more answers

So if I deposit 251 dollars before my statement period and take the money away after the period ends, I will not be charged the monthly fee?

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How many checks can you write a month?

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WalletHub

There is no limit to the number of checks you can write during a month.

Do I get charged a fee for keeping my checking account at $0 for a while?

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If you don't have any money in your bank account how does the emergency cash work?

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Bank of America Core Checking Reviews

Share your insights and review the Bank of America Core Checking

3.4

What's Your Rating?

momma2mmm
January 16, 2018 • @momma2mmm

I have had a B Of A account for over 35 years. They have nothing but fair to me. I would give them 10 stars! When my husband lost his job we racked up a lot of fees from auto payment. They waived most over them for financial hardship. I felt they were extremely compassionate and non judgmental.

Comment

Felicia Duenas
July 24, 2017 • @mzpwee

Bank of america currently let colorado bell rob me they double charged me for a room bank of America favored with me an closed my claim 3 months later they let colorado bell take my money an over draw me $106 an i closed my card so that couldnt happen how three months later your gonna allow them to do that. My bank should of stayed an my favor an let me have an existing balance with colorado bell wells fargo does that for their customers i will be dropping this bank asap an never will i bank with you guys again these guys are crooks please find a better bank thank you Felicia

Comment

Bradley Knabe
August 4, 2016 • @bradleyk_4

Bank of America has been terrible. I had a student account with them and they said it would last while I was in college, except they forgot they didn't tell me that they would start charging maintenance fees after I turned 23. Real classy guys. I am barely making enough money to afford rent and you are sucking off me like a leech. Closed my bank account there and am never taking my business there again. I am also trying to spread the word through as many online reviews as possible about how slimy this Bank is, preying on people's hard earned money. DO NOT use this Bank!

Comment

Carrie Simmons
December 13, 2016 • @carries_24

I'm in total agreement but everytime I demanded the charges or problems except for the items I was responsible for the customer service by phone was fast and mostly to my s a tisf a ction. Of course if it was in my local b a nk in California the poor service was in the high level of performance.

Comment

drissq
December 4, 2015 • @drissq

BOA is the worst bank ever, the Monthly Maintenance Fee is injustice and unfair, it is completely aginst the law. They try to make more benefits and money from the pockets of people with lower income. So those ignorant individuals who are in charge of this organization will make more annual money.

Comment

virginia hatchett
October 20, 2015 • @virginiah

I've had bank of america checking since I was 16. When i first had it, it was a student checking account, but upon graduating college, i switched over to a Core checking account. The $12 monthly fee is waived as long as you have direct deposit. The only thing I do not like is the $35 overdraft fee which sometimes can happen. A couple of times bank of america has waived it for me. I also enjoy the simplicity of their online banking! My husband uses another bank and his online account is almost impossible to understand. With bank of america, everything is simple and straightforward and I know exactly how much I have and what's come out and what is still pending. Great bank!!!

Comment

Lea Hopkins
August 4, 2015 • @leah

I really like my BOA checking account. I have had it for over 8 years now and no complaints. BOA has recently added a "Cash Back" feature, where you can pick from a list of 20-30 stores at a time and if you shop there, you will get 5-20% (depending on store) back in your account. Most of the stores are places I go regularly, like Starbucks and Sears. BOA customer service has always helped me out with issues on my checking account, specially when I was out of work and had a few Overdraft issues. They added overdraft protection for me, as well as out of courtesy removed all fees that hit my account.I think BOA is a great bank to try out if you need to open checking or savings

Comment

David Weinstock
July 28, 2015 • @davidw

I've had a checking account here for at least six years. I've never had any major problems and so have never needed any serious customer service support to resolve major problems. I considered closing the account due to the monthly fee that results when you don't have any real income however I kept it because of ease of access when traveling domestically and in Canada. I had no issues accessing my money in any part of the US. I would recommend an checking account here based solely on this. The online and mobile banking systems are competent easy to use and I have never had problems with them.

Comment

Rick
July 23, 2015 • @thisisricksemail

One time I tried to make a purchase while money was in transit from savings to checking. Since the transfer wasn't complete, my checking account overdrafted and tried to withdraw the funds from savings (which had already been emptied). This caused savings to overdraft and attempt to withdraw from checking. Everyday for a week both accounts would overdraft and attempt to withdraw from each other, racking up $60 in fees a day. Customer service acknowledged that it was a flaw on their end but they had no authorization to refund the fees.

Comment

Kenneth Parkins
July 16, 2015 • @parkins5322

I have enjoyed my BoA checking account for a few years with little very few problems. One of my biggest frustrations has actually happened twice, for some reason they moved the money from my direct deposit that was supposed to be in checking over to my savings account, this was back when I actually paid my bills with paper checks, and 7 of them bounced. After I got letters from multiple accounts saying that I had bounced check fees I inquired. BoA did a really good job though and paid all the fees and reversed all the fees they had issued me. All in all I like my account with them alot and would recommend them.

Comment

brantely duck
June 23, 2015 • @brantelyd

Bank Of America Core Checking has worked very well for me. The online bill pay is great and there are no hidden fees. As long as you make sure you have enough money in your account everything is fine. I would like to see custom designs for the debit cards. Uploading an image online that is placed on your card would be rather cool. One last thing. Watch out for out of network ATM fees!

Comment

Review Bank of America Core Checking

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Bank of America Core Checking

Bank of America Core Checking

Bank of America Core Checking Rates

Bank of America Core Checking Fees

Bank of America Core Checking ATM & Debit Card Usage

Bank of America Core Checking Additional Info

Bank of America Core Checking Q&A

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Bank of America Core Checking Reviews

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