How long do you have to keep money in Bank of America to get the bonus?
Plan on about 90 days with roughly $10,000 parked at Bank of America. Measured that way the Up to $500 bonus is worth 20.3% effective APY, which is the only honest way to compare it to a savings account.
Bank of America Advantage Banking is a checking offer.
The numbers, in full
| Payout | Up to $500 |
|---|---|
| What it takes | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. |
| Direct deposit needed | Yes |
| Money tied up | $10,000 |
| Time committed | 90 days |
| Effective APY | 20.3% |
| Per hour of your time | $750/hr |
| When it pays | ~60 days |
| Offer ends | Sep 30, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$10,000 committed for about 90 days pays $500, which annualizes to 20.3%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 60.8% | |
| 45 days | 40.6% | |
| 60 days | 30.4% | |
| 90 days | 20.3% | The offer's own stated window |
| 120 days | 15.2% | |
| 180 days | 10.1% | |
| 270 days | 6.8% | |
| 365 days | 5.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
Hold time
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