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Bank of America Advantage checking: overdraft fee & grace period

Checked against Bank of America’s own pages on October 26, 2026. 3 facts verified, 2 not confirmed.

Forgiveness score 2 of 11overdraft offhelpful features
Overdraft fee
$10 Overdraft Item Fee, max 2 per day. No fee on everyday non-recurring debit card or ATM transactions, or on items that overdraw by $1 or less. No fee when an item is declined/returned.
Source: bankofamerica.com/salesservices/deposits/resources/personal-schedule-f
Grace period / breathing room
Not confirmed — we couldn’t verify this on an official page yet
Can you turn overdraft off?
“Decline All Overdraft Setting” available (no Overdraft Item Fees on accounts with it). Advantage SafeBalance Banking has no Overdraft Item Fees at all; transactions are declined instead.
Source: bankofamerica.com/salesservices/deposits/resources/personal-schedule-f · bankofamerica.com/salesservices/deposits/resources/safebalance-clarity
Card lock / blocking
Not confirmed — we couldn’t verify this on an official page yet
ADHD-friendly features
Free low-balance and items-not-paid alerts by email or mobile; Erica Balance Watch alerts in the app.
Source: bankofamerica.com/salesservices/deposits/resources/safebalance-clarity · promotions.bankofamerica.com/deposits/balanceconnect/overdraft

Not applicable here: Late fee, First late fee waived?, Autopay.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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