Bank of America $100 Checking Account Bonus

Bank of America is currently offering a $100 checking account bonus that expires on February 29, 2008.

Sign up for a new Bank of America personal checking account with a minimum opening deposit of at least $100, and you will get a $100 banking bonus for opening your checking account.

IMPORTANT UPDATE: The link for the $100 Bank of America checking account offer page has been updated to reflect a new $75 banking bonus offer from Bank of America; however, this does not mean that the $100 bonus offer is no longer valid.

Enter the $100 bonus offer code when applying online before February 29, 2008, to receive the $100 bonus, or print the $100 bonus offer page and bring it to your local Bank of America when you open your new personal checking account.

See the Comments section to this article (comment #2 from MaximizingMoney) for more information on the Bank of America $100 checking account bonus offer.

Bank of America Checking Account Bonus Offer Link.

To receive this $100 banking bonus, either apply online or print out the checking account bonus offer and bring it to any Bank of America location.

If you want a checking account with absolutely no fees and no requirements to avoid fees, then you’ll have to apply online for the MyAccess Checking Account.

The MyAccess checking account has no fees with no minimum balance or direct deposit requirements when you apply online, but if you apply in person, there is a direct deposit requirement to avoid the $5.95 monthly maintenance fee.

However, many of their personal checking accounts are free if you meet certain requirements, so there are plenty of other checking account options that will fit your needs.

Student checking accounts and secondary checking accounts are not eligible.

Go to the Bank of America Checking Account Bonus Link to apply online or print out the $100 banking bonus offer, and be sure to use the offer code AOU2612.

Take advantage of this Bank of America checking account bonus to get a $100 cash banking bonus.

Thanks and enjoy maximizing money.


  1. says

    Hello Rudy,

    Thanks for posting your comment.

    Yes, you are correct, Bank of America has updated their promotional link to now reflect a $75 checking account bonus and not the $100 bonus it previously reflected.

    Thank you for pointing this out.

    We have posted a new article to reflect this Bank of America $75 checking account bonus, which expires on March 31, 2008.

    However, this does not necessarily mean that the $100 bonus is no longer valid, as it was set to expire on February 29, 2008, and it has a unique offer code.

    The offer code for the $100 bonus offer is AOU2612, and the offer code for the $75 bonus offer is AOU260108.

    You should be able to enter the offer code for the $100 bonus when applying online and still receive the $100 bonus, unless they actually expired the offer early.

    If you want to print out the $100 bonus offer to apply at a local Bank of America or view the $100 offer page, we have posted a copy of the document to this link.

    This can be printed and brought to a local Bank of America to receive the bonus, or, as mentioned, you can just enter the $100 bonus offer code when applying online and you should still receive the offer.

    If you’d like a PDF version of the $100 bonus offer page, please email us at, and we will email you the PDF version, which is cleaner and shows the images properly.

    Again, thank you for bringing this to our attention, and thank you for reading.


  2. says

    I wish I would have read the comments before I signed up for the checking account. Oh-Well, maybe I can use the $100.00 code for my husbands account. Is that allowed???

    Anyways, I just wanted to let you know I used your link so if you get a bonus it should be on the way. If not, thanks for the links.

  3. says

    Hello 20 Something Lady,

    Sorry you didn’t get the $100 bonus, but yes, your husband should be able to receive the bonus without a problem.

    We don’t receive any compensation for this Bank of America bonus offer in particular, but we’re glad to provide the links and information as best we can.

    Thank you for reading and posting your comments.


    PS: You may be interested in some of these cash bonus card offers.

  4. Ashwin says

    Is this offer only for new customers? I already have a minimum balance checking account with BOA. Can I sign up for this offer?

  5. says

    Hello Ashwin,

    I’m sorry, but you must be a new checking account customer to qualify for this offer.

    Here are the terms of the $100 Bank of America offer.

    Offer expires 2/29/2008 and is available through our online application or in any Bank of America banking center.
    Offer does not apply to second or multiple
    checking accounts and/or existing checking customers. Student checking accounts are not eligible for this offer.
    Bank of America associates are not eligible for this offer.
    All accounts are subject to our normal approval process.
    This form must be presented at the time the account is opened if account is opened in a banking center.
    This minimum deposit required to open a new, personal checking account and receive the $100 offer is $100. We will make every attempt to directly deposit the $100 into your new Bank of America checking account.
    If for any reason we are unable to do so, a check will be issued as a replacement.
    We will deposit the money within 90 days of opening
    your new account.
    Limit one check per household.
    To the extent required by law, Bank of America will report the value of the offer to the IRS on Form 1099. Any applicable taxes are the responsibility of the account holder.
    For interest-bearing personal checking accounts, the Annual Percentage Yield (APY) is 0.05% as of 12/3/2007 for any account balance.
    The rate may change after the account is opened.
    Fees could reduce earnings on the account.
    Please consult a Banking Center, visit or see the Personal Schedule of Fees for other account fees, rates and information.

    Thank you for posting your question and reading.


  6. says

    Hello 20 Something Lady,

    I just wanted to follow up in regards to if your husband would qualify for the $100 bonus offer.

    Upon further review of the terms, I noticed this section:

    Limit one check per household.

    However, it is not clear as to whether that means one check per household per individual bonus offer, or one check per household for all bonus offers from Bank of America.

    Since you applied for the $75 bonus offer, your husband may also qualify for the $100, but this is unclear.

    If you are both able to qualify for the bonuses, we would appreciate you following up to let us know.

    Thanks again.

    If any other readers have experienced similar situations, please feel free to post your comments to help inform our audience of your first hand experiences, as our customer service inquiries have not provided definitive answers to this question.

  7. Kiki says

    Just want to say thank you. I opened online on Jan 28. Made initial deposit on Feb 1. $100 Bonus credited Feb 15. Super fast!!

  8. qh160 says

    are we students allowed to open this personal checking account? or we are only approved to open the student checking account? thanks

  9. says

    Hello qh160,

    I contacted Bank of America customer service through their online chat system, and below is their response to whether students can apply for the regular checking account.

    Me: Hello, I am a student, but I want to apply for a regular checking account. Is that allowed? Also, do I have to be 18 or over?

    Randy C: Hello, Yes, the application will require that customers be at least 18 years old.

    Me: Can I apply for a regular account even though I am a student?

    Randy C: Sure! The Regular checking is only free with a $750, I would recommend the MyAccess instead, We offer a completely free checking account without any monthly fees or requirements called the MyAccess checking, its free if you apply online and will be free for as long as you own the account. The great news, is the Regular savings is also included free without any balance with Keep the Change.
    Last text message receivedRandy C: Both will be free without any fees and no balance needed, ever. All when you open them online.

    That’s their response.

    I’m not sure of your exact situation, but as long as you’re 18, you can apply for the personal checking account.

    Hope this helps.


  10. Joe says

    Has anybody noticed any verbage regarding the conditions under which they will allow you to keep the $100? I know some banks say you must remain a member for a certain period of time… Any ideas?



  11. Rob says


    I’ve dealt with Bank of America offers before and typically they specify a 6 month period but if the offer does not state a time period, then you can close the account whenever you like.

    I opened a $100 account offer from Lasalle Bank (owned by Bank of america) that did not specify a time period and I closed the account after 4 months without penalty. Just make sure you print the offer for your records if the subject comes up.

  12. Debbie says

    if you opened a checking account online and you didn’t pay the opening deposit, how long do you have to put it in there?

  13. says

    Hello Kay,

    The MyAccess account is only free when you apply online, otherwise there is a $5.95 maintenance fee that can be waived if you establish a direct deposit, but the CampusEdge account is free in Bank of America banking centers as well as online.

    Here’s the most updated change to the Bank of America fee terms.

    Addendum to: Personal Schedule of Fees

    Effective February 1, 2008

    This Addendum amends the Personal Schedule of Fees. It applies when you open one of the following accounts online.

    MyAccess® Checking

    If you open your MyAccess Checking account online, we waive the monthly maintenance fee.

    CampusEdge® Checking

    If you open your CampusEdge Checking account online, we continue to waive the monthly maintenance fee on your account when it is converted to a MyAccess Checking account after 5 years.

    Here’s an older set of terms that indicates the MyAccess account is only free when you apply online in states that don’t have Bank of America banking centers. Although these terms can still be seen on Bank of America’s website, the newest terms should be in effect.

    Effective July 7, 2006

    This Addendum amends the Personal Schedule of Fees. It applies to MyAccess® Checking accounts opened online by customers who reside in states with no Bank of America banking centers.

    As of the effective date of this addendum, Bank of America has no banking centers in AK, AL, CO, HI, IN, KY, LA, MI, MN, MS, MT, NE, NE, OH, SD, UT, VT, WI, WV and WY.

    MyAccess® Checking

    Monthly maintenance fee waived.

    Withdrawals, transfers and balance inquiries at a non-Bank of America ATM located in the U.S., each fee waived.

    So you can apply for a CampusEdge account at Bank of America for free, but they will charge you a $5.95 monthly fee if you don’t establish a direct deposit for the MyAccess account, unless you apply online for free.

    I live in one of the states in question, and my account was free when I applied online.

    Hope this helps, thank you.

  14. Karen says

    july 23 2009
    i just saw a TV ad last night that said somthing about $100 BOA checking offer. Do you have any details?

  15. Karen says

    Does anyone know with the current $100 offer how long the account has to stay open if the terms don’t specify?

    Are there any hidden fees, like when you close your account?

  16. says

    Hello Karen,

    Almost all of the Chase checking account bonuses require that the account remains open for 6 months in order to avoid having the cash bonus debited from the account upon closing.

    Hope this helps, thank you.

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