Employee banking¹ and investing²

¹ Banking products are available from Bank of America, N.A., and affiliated banks, Members FDIC.

² Investment products are available from Merrill Lynch, Pierce, Fenner & Smith Incorporated.

³ Preferred Rewards Program Eligibility. As an employee of a company participating in the Bank of America Employee Banking and Investing Program, you are eligible to enroll in the Bank of America Preferred Rewards® program if you:

• Have an active, eligible Bank of America personal checking account, and
• Receive all or part of your payroll direct deposit from the participating company into an eligible Bank of America checking or savings account.

Employees qualify for the Gold tier of Preferred Rewards without meeting the balance requirement and may qualify for higher tiers on the standard program terms. The standard program terms require an eligible Bank of America personal checking account and a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). The qualifying balance is calculated based on your average daily balance for a three-calendar month period. Employee benefit plans (such as 401(k)) will not count toward the combined balance requirement. If you are no longer an employee, standard program terms apply. New employees may have to wait up to one month before they can enroll to allow for their employee status to be identified. For additional Employee Banking and Investing eligibility information please refer to CEBI Program for details. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For more information refer to the Preferred Rewards section of the Personal Schedule of Fees available at Personal Schedule of Fees.

⁴ This prestigious award is presented by Newsweek and Statista, Inc. The 2024 ranking of America’s Best Loyalty Programs was compiled based on the results of an independent survey of more than 4,000 U.S. customers who are members of loyalty programs of retailers or service providers in the United States. Customers were given the opportunity to evaluate various loyalty programs: in total around 17,900 evaluations were collected. Loyalty programs were defined as all reward programs that provided the customer with a benefit when purchasing or using the products or services of the associated brands. The survey was conducted on retailers and service providers from 41 categories, providing results for a broad spectrum of loyalty programs in traditional retail, online retail, and service segments. The awarded loyalty programs each received an above average overall score. Learn more about methodology at Newsweek. Rankings and recognition from Newsweek are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.