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Before You Apply

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Your application process should take around 10 minutes.

Current Bank of America online banking customers are eligible to open an IRA account online.

Not a Bank of America customer? Visit a financial center to open an account.

You're applying for:

 

To open a XXXX-month Flexible CD IRA online, you'll need to add funds to your IRA from a Bank of America checking or savings account.

Schedule an appointment today with a financial specialist to learn more

Access a saved application

Early Withdrawal Penalty:
A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term (or within the first 6 days following any partial withdrawal during the initial or any renewal term). If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal.

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What you'll need to apply:

  • Social Security number and date of birth of all account holders
  • Phone number and email address
  • Physical U.S. address (no post office boxes)
  • Account information for funding your new account

Apply at a financial center if:

  • You have limited credit history, making identity verification difficult
  • You have had issues with your checking history
  • You are depositing more than $100,000 today
  • Schedule an appointment
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Please enter the zip code for your home address so we can give you accurate rate and fee information for your location.