Quick answer

Bank of America lets customers apply for its standard Advantage checking accounts online or at a financial center, subject to product/age exceptions. Current product information says the minimum opening deposit is $25 or $100 depending on the account. Identity and tax-ID requirements can vary by channel, so OUSBI keeps online requirements separate from broader deposit-agreement identification rules.

Identify the exact scenario first

Pick the exact Advantage account first, then verify its minimum opening deposit and age/ownership rules. Decide whether the online application fits your identity/tax-ID situation or whether a financial-center appointment is more appropriate. If applying with a minor, check the product-specific channel requirements.

Published rules

Bank of America’s checking comparison page lists a $25 or $100 opening deposit depending on the account. For international professionals, separate guidance describes a financial-center appointment, two unexpired IDs and a tax identification number if applicable. Nonresident aliens need a physical foreign address and U.S. mailing address. That route does not guarantee that a particular online form will accept the same documents.

Decision path

Standard adult application + supported online identity flow → online path. Minor/exception/identity situation outside the online flow → financial-center path. If the application is denied after identity verification, use the checking-account-denial workflow rather than repeatedly opening new applications.

What to do next

Before submitting, re-check the live product’s minimum deposit, monthly-fee rules and required identification. Save any adverse-action/verification notice. Treat promotional offers separately from the core account-opening requirements.

Important limits

Advantage accounts can have different opening deposits. An identification option does not guarantee online approval. Promotional offers have separate conditions and may change.

Sources and freshness

Last verified: October 7, 2026.

Bank of America Advantage Banking · Bank of America deposit agreements · Bank of America international-professional opening guide

Rules and service limits can change. Use the linked agreement for your account and the notice shown for this transaction; if they differ, ask the institution to explain which provision applies.

Application checklist

Select the exact Advantage Banking product, confirm its current opening deposit, age/ownership rules and application channel, then collect the requested tax-ID/identification information. Treat the standard online SSN request separately from broader deposit-agreement identification rules and any financial-center route.

FAQ and nearby scenarios

Is the opening deposit always $25? Current products can require $25 or $100. Can an international applicant use the standard online flow? Check the account and channel instructions; the international-professional guide describes a financial-center appointment. Can a minor use an adult’s online route? Product and channel rules may differ. Do promotional bonuses replace opening requirements? Promotions have separate conditions.

Before reapplying after a failure

Save the application/identity error and any adverse-action notice. Determine whether the problem is identity verification, an unsupported channel/document path, or a consumer-report decision; repeated new applications do not solve the underlying category.

Related guides

Bank of America: /institutions/bank-of-america/

Opening a bank account: SSN, ITIN, identification, address and funding requirements: /problems/account-opening-requirements/