How long do you have to keep money in Bank of America to get the bonus?
Plan on about 60 days with roughly $15,000 parked at Bank of America. Measured that way the Up to $750 bonus is worth 30.4% effective APY, which is the only honest way to compare it to a savings account.
Bank of America Business Advantage Banking is a business offer.
The numbers, in full
| Payout | Up to $750 |
|---|---|
| What it takes | Hold $5k ($400) or $15k ($750) ~60 days. |
| Direct deposit needed | No |
| Money tied up | $15,000 |
| Time committed | 60 days |
| Effective APY | 30.4% |
| Per hour of your time | $1,429/hr |
| When it pays | ~60 days |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$15,000 committed for about 60 days pays $750, which annualizes to 30.4%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 60.8% | |
| 45 days | 40.6% | |
| 60 days | 30.4% | The offer's own stated window |
| 90 days | 20.3% | |
| 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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