Bank of America
Bank of America Advantage Plus Banking $100 – $500 Bonus
Bank of America pays you up to $500 when you open an Advantage Plus Banking account by September 30, 2026 and receive qualifying direct deposits within 90 days. The tier you earn depends on how much direct deposit you receive: $100 for $2,000+, $300 for $5,000+, or $500 for $10,000+. There is a $12 monthly fee, waivable with one $250+ direct deposit per statement cycle.
- Bonus range
- $100 – $500
- Expires
- Sep 30, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~150 days
- Difficulty
- Medium
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Requirements
Last verified: Aug 16, 2026
$100 Tier
Open an eligible Bank of America Advantage Banking account
Open a Bank of America Advantage Plus® Banking account online by September 30, 2026.
Receive qualifying direct deposits
Receive $2,000 or more in total qualifying direct deposits within 90 days of opening to earn the $100 bonus.
$300 Tier
Open an eligible Bank of America Advantage Banking account
Open a Bank of America Advantage Plus® Banking account online by September 30, 2026.
Receive qualifying direct deposits
Receive $5,000 or more in total qualifying direct deposits within 90 days of opening to earn the $300 bonus.
$500 Tier
Open an eligible Bank of America Advantage Banking account
Open a Bank of America Advantage Plus® Banking account online by September 30, 2026.
Receive qualifying direct deposits
Receive $10,000 or more in total qualifying direct deposits within 90 days of opening to earn the $500 bonus.
Bonus typically posts within 60 days after meeting direct deposit requirement.
Account Details
- Receive at least one qualifying direct deposit of $250+ each statement cycle
- Maintain a minimum daily balance of $1,500
- Be enrolled in the Preferred Rewards program
Keep the account open for at least 90 days to avoid bonus clawback.
Eligibility
Must not have had a Bank of America personal checking account within the last 12 months.
Tips & Gotchas
- →Only new checking customers who haven’t had a Bank of America personal checking account in the last 12 months are eligible.
- →Monthly fee can be waived with a single $250 direct deposit, a $1,500 daily balance, or Preferred Rewards membership.
- →Additional bonus tiers ($100 and $500) exist for smaller or larger direct deposits.
Direct Deposit Data Points 543
543 community reports across 66 transfer sources, showing what triggers a qualifying direct deposit at Bank of America.
Can You Earn This Bonus Again?
Fine Print
Open an eligible checking account by September 30, 2026 and receive at least $2,000 in qualifying direct deposits within 90 days to earn $100. Bank of America attempts to pay the bonus within 60 days. New personal checking customers only.
Taxable income · Reported on 1099-INT
Related Articles
What Counts as a Direct Deposit for Bank of America Bonuses?
Bank of America's Advantage Plus Banking bonus pays $100, $300, or $500 based on total qualifying direct deposits within 90 days. Based on 892 community-reported data points, Bank of America is more flexible than its public terms suggest. Employer payroll, Fidelity Cash Management pushes, Ally pushes, Chase ACH pushes, SoFi pushes, Capital One pushes, and Schwab pushes all have strong success rates. The main failures involve transfers that code as "transfer" rather than "direct deposit."
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
Also see: this month's best bank bonuses and community DD data points.
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