¹ BofA Rewards™ Eligibility. Customers can enroll and maintain their membership in BofA Rewards™ if they have an open, qualifying Bank of America® checking account. BofA Rewards tiers are based on each customer’s combined average balance in qualifying deposit and investment accounts. The minimum balance for each tier is: Member, no minimum balance; Preferred Plus, $30,000; Preferred Honors, $100,000; and Premier, $1,000,000. When you enroll, you’ll be placed in the appropriate tier for your combined average balance and then moved to the highest tier you’re eligible for based on one of the following:

1. for the 30 calendar days following your first enrollment, the combined end-of-day collected balance of your qualifying accounts (“Daily Balance”), provided that your Daily Balance remains above the required amount for a minimum of three business days; or
2. subsequently, the combined average balance of your qualifying accounts calculated on the third business day of each month.

Eligible customers will be moved to the higher tier within 3 business days. New tier benefits may take up to 30 days to become effective. For full terms, including qualifying accounts and the method of calculation of average balances, refer to your Personal Schedule of Fees.

Additional Eligibility. Employees and retirees of Bank of America may be eligible for BofA Rewards membership on customized terms. For details, please call Employee Financial Services or refer to the Bank of America intranet site. Bank of America Private Bank clients qualify to enroll in the Premier tier regardless of balances. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible for BofA Rewards on customized terms. Refer to CEBI Program for details.

† If you are a BofA Rewards member you can activate Fraud and Identity Monitoring here.

* BofA Rewards members in the Preferred Honors and Premier tiers can access their lifestyle benefits at ml.com/LBoffers.

² Credit Card BofA Rewards™ Bonus. Certain credit cards are eligible to receive a BofA Rewards™ bonus. Enrolled BofA Rewards members with eligible Bank of America® credit cards can receive a BofA Rewards bonus of 10% for the Member tier, 25% for the Preferred Plus tier, 50% for the Preferred Honors tier, or 75% for the Premier tier. If your card receives the 10% customer bonus, the BofA Rewards bonus will replace the 10% customer bonus. The BofA Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.30, $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 110, 125, 150, or 175 points, based on your tier when the purchase posts to your account. The BofA Rewards bonus also does not apply to the bonus earn for certain programs and is not applied to any account opening bonus or non-standard rewards that are part of a special offer, unless we indicate otherwise. If you enrolled in Preferred Rewards before May 26, 2026 your credit card account may be eligible for an extended card benefit. Sign in to BofA Rewards for more details. Other terms and conditions apply. Please refer to your card’s Program Rules for details about how you can receive the BofA Rewards bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. View a complete list of ineligible cards.

³ My Credit. My Credit, including FICO® Score, is for educational purposes only and accessible through Mobile and Online Banking. Certain My Credit features, content and related material may be available only in English. You must be at least 18 years of age, be an owner or co-owner of an eligible Bank of America consumer account, have a Social Security number, and have a U.S. address in your Online Banking profile. Data connection required. Carrier fees may apply. Fraud & Identity Monitoring is available for clients enrolled in BofA Rewards™. To learn more, visit bofa.com/MyCredit.

FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

⁴ BofA Rewards™ Lifestyle Benefits. You must be enrolled in the BofA Rewards™ program’s Preferred Honors or Premier tiers to be eligible for lifestyle benefits or experiences. Lifestyle benefits are provided by third-party vendors not affiliated with Bank of America®. Terms and fulfillment of the offers are the responsibility of the third-party vendors, not of Bank of America. Bank of America does not provide your customer information to the third-party vendor, but by contacting them to take advantage of an offer you will identify yourself as a Bank of America customer. Some offers may be open only to a limited number of BofA Rewards members. Offers can change without notice. You must be 21 years of age or older to participate in offers which include alcohol.

⁵ BofA Rewards™ Subscription Credits. In order to be eligible for the subscription credit benefit, you must:

(1) Be enrolled in the BofA Rewards program’s Preferred Honors or Premier tiers.

(2) Agree to the full terms of the subscription credit benefit from the subscription credit benefit page within BofA Rewards.

(3) Make payments directly to eligible merchants using your Bank of America debit card linked to a checking account that you designate via the subscription credit benefit page.

Preferred Honors tier members may receive statement credits up to $8 per month, and Premier tier members may receive up to $15 per month. Eligible merchants are subject to change without notice. Currently eligible merchants can be found on the subscription credit benefit page.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.