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Bank of America
Bank of America Advantage SafeBalance Banking $100 Bonus
Bank of America pays you $100 when you open an Advantage SafeBalance Banking account through the offer page by September 30, 2026 and make 20 debit card or Zelle transactions within 60 days. No direct deposit required. The $4.95 monthly fee is waived if you are under 25, keep a $500 daily balance, or have Preferred Rewards.
- Bonus amount
- $100
- Expires
- Sep 30, 2026
- Time to complete
- ~60 days
- Bonus deposited in
- ~60 days
- Difficulty
- Easy
Requirements
Last verified: Jul 7, 2026
Open an Advantage SafeBalance Banking account
Open a new Bank of America Advantage SafeBalance Banking account online through the offer page by September 30, 2026. Opening by any other means may not enroll you in the offer.
Make 20 qualifying transactions
Make at least 20 qualifying debit card or Zelle transactions from the new account within 60 days of account opening. Transactions must post, not just be pending.
Bank of America attempts to deposit the bonus into the new account within 60 days after you complete the 20 qualifying transactions.
Tips & Gotchas
- →No direct deposit needed. Twenty small debit card purchases or Zelle payments within 60 days earn the full $100.
- →Open through the offer page only. The offer may not be available if you leave the page, visit bankofamerica.com, go to a branch, or call.
- →Only new checking customers qualify: no Bank of America personal checking account owned or co-owned in the last 12 months.
- →The same page offers Advantage Plus tiers of $100 to $500 for direct deposits, but you can only earn one bonus per customer.
- →The $4.95 monthly fee is waived if you are under 25, keep a $500 daily balance, or have Preferred Rewards.
Direct Deposit Data Points 448
Community-reported results for what triggers a qualifying direct deposit at Bank of America.
Account Details
- Account owner under age 25
- Maintain a $500 minimum daily balance
- Be enrolled in the Preferred Rewards program
Keep the account open until the bonus posts. Bank of America attempts to deposit the bonus within 60 days after you complete the 20 qualifying transactions.
Eligibility
Must not have owned or co-owned a Bank of America personal checking account within the last 12 months.
- The $100 offer is online only. You must open the account through the offer page. Opening in a branch, by phone, or from the main site may not enroll you.
- Advantage Plus, Advantage Relationship, and SafeBalance for Family Banking accounts are not eligible for this offer.
Can You Earn This Bonus Again?
Fine Print
Open a new Bank of America Advantage SafeBalance Banking account online through the offer page by September 30, 2026 and make at least 20 qualifying debit card or Zelle transactions within 60 days of account opening. Offer limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last 12 months. One bonus per account and per customer. Cannot be combined with any other checking bonus offer. Bank of America attempts to pay the bonus within 60 days of requirements being met.
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 329 community-reported data points, Bank of America is more flexible than its public terms suggest. Employer payroll, Fidelity Cash Management pushes, Chase ACH pushes, Ally pushes, Schwab pushes, and SoFi pushes all have strong success rates. The main failures involve transfers that code as "transfer" rather than "direct deposit."
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
Also see: this month's best bank bonuses and community DD data points.
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