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“ADV Plus Banking” is a shortened account name for Bank of America Advantage Plus Banking, a consumer checking account. If it appears on your statement, it identifies the account—not a separate bank or service. The account is non-interest-bearing and has a monthly fee unless you meet an eligible waiver condition.
What the account includes
Advantage Plus Banking is a checking account for everyday banking. Bank of America lists digital banking and payment options, along with optional Balance Connect overdraft protection. The account’s features and applicable charges are subject to the bank’s current terms; not every transaction or service should be assumed to be free. See the Bank of America Advantage Banking account page and the applicable disclosures for details.
Fees and ways to avoid the monthly charge
Bank of America’s February 2026 Personal Schedule of Fees lists a $100 minimum opening deposit and a $12 monthly maintenance fee. It describes these waiver routes for each statement cycle:
- Receive at least one qualifying direct deposit of $250 or more.
- Keep a minimum daily balance of at least $1,500 throughout the statement cycle.
- Qualify for an eligible rewards-program tier under the current account terms.
The $1,500 balance condition is a minimum daily balance: the balance must not fall below that amount during the cycle. The schedule also identifies the account as non-interest-bearing. Review the Personal Schedule of Fees and Advantage Plus Banking Clarity Statement for the governing disclosures.
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What counts as a qualifying direct deposit?
Bank of America describes qualifying direct deposits as regular income—such as salary, pension, or Social Security—sent electronically by an employer or other payer. Teller deposits, wires, transfers, and ATM deposits do not count for this fee waiver, according to its direct-deposit guidance. A transfer into the account may add money, but it is not necessarily a qualifying direct deposit.
Which rewards tier applies?
The February 2026 fee schedule described the waiver using the then-current Preferred Rewards tiers and announced a planned transition to BofA Rewards on or about May 26, 2026. That date has passed. Bank of America’s account page displays BofA Rewards Preferred Plus, Preferred Honors, or Premier as eligible tiers, but rewards eligibility and terms can change. Check the live account disclosures rather than relying on the earlier transition announcement. The bank’s February 2026 announcement describes the planned program change.
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The Advantage Plus Clarity Statement lists no Bank of America ATM fee for deposits, withdrawals, transfers, or balance inquiries made at Bank of America ATMs. This statement concerns those listed transactions at the bank’s own ATMs; consult the current disclosures for other transaction types, locations, or fees that may apply.
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What to check if the name appears on a statement
- Confirm that the account belongs to you and that the transactions shown are familiar.
- Look at the account’s full name in online banking or the statement details; “ADV Plus” is an abbreviation of Advantage Plus Banking.
- If you are checking a monthly charge, compare the statement cycle with the applicable fee-waiver conditions and your qualifying deposits or daily balance.
- For an unfamiliar account or transaction, contact Bank of America through its official site or the number on your card or statement.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
