Personalized Banking and Credit

Helping you pursue your goals at U.S. Trust®

Establishing a wealth management plan to pursue your goals is about more than smart investing. At U.S. Trust, we offer a wide array of banking and credit solutions— all designed to complement your overall financial strategy.


U.S. Trust offers checking and savings solutions designed to help you manage your individual cash flows, including setting aside an emergency fund to help cover unexpected expenses or save for a specific purpose.

Checking accounts

Wealth Management Interest Checking1
  • Competitive interest rate2
  • Enhanced fraud protection through text and email alerts3
  • Chip card technology embedded for extra protection for U.S. Trust and Bank of America debit cards
  • Convenient access anytime, anywhere with award-winning Bank of America Mobile and Online Banking
Bank of America Core Checking
  • Non-interest bearing checking solution
  • Can be used as a student banking solution with no fees or balance requirement until age 23

Savings accounts

U.S. Trust Money Market Savings
  • Offers tiered interest rates based on your balances
  • Funds are Federal Deposits and Insurance Coverage (FDIC) protected
  • Accounts can also be used as an overdraft protection source for eligible linked accounts
Certificates of Deposit
  • Offers you the ability to lock in a guaranteed rate for a term
  • Competitive interest rate
  • Choose from a variety of terms for added flexibility


With Mobile and Online Banking4, you can bank whenever you like, from your smartphone, tablet or computer.

Pay bills from almost anywhere: Pay bills quickly and easily from your U.S. Trust and/or Bank of America banking accounts.

Transfer money securely and quickly: Use an email address or mobile phone number to securely send, receive and request money, all in a few simple steps5

Deposit checks with your smartphone or tablet: Deposit checks to your U.S. Trust or Bank of America banking accounts using the Bank of America Mobile App.6

Stay informed about account activity: An email or text alert3 notifies you of important checking and saving account activity while on the go. Keep track of your bank account activity with alerts like these:

  • Available balance
  • Payment due
  • Unusual activity



Home ownership is one of the most common goals and can be an integral part of your overall wealth building strategy. In addition to meeting your real estate ownership goals, the right mortgage can be pivotal in cash flow management and estate planning. Selecting the mortgage that supports your overall wealth management plan is critical and your advisor will work with you to review the mortgage solutions that complement your unique circumstances.

Home equity lines of credit (HELOC)

Tapping into the value stored in a home can provide a ready source of cash to fund other expenses, such as home renovations or education expenses. A HELOC can be a powerful tool to help fund other goals and may also offer the advantage of tax-deductible interest.7

Private client line8

For the ultimate flexibility to fund any of your goals, a private line of credit, secured by your investment management accounts at U.S. Trust, can help you meet your liquidity needs and optimize your cash flow without depleting cash reserves or compromising your investment strategy.

Customized credit

For unique goals, such as purchasing a yacht or fine art, a customized credit solution may help you pursue your most complex goals. Your advisor can work with credit specialists to design credit solutions using different types of assets as collateral customized to your liquidity needs, long-term objectives and tax situation.


As a U.S. Trust client, you’re automatically enrolled in Banking Rewards for Wealth Management—a program that makes banking more rewarding for our best clients. This program offers you a range of banking benefits, including:

Fee waivers, such as:

  • Unlimited waiver of monthly maintenance fees for all Bank of America personal checking and savings accounts
  • Unlimited no-fee transactions with a Bank of America debit card at non-Bank of America ATMs in the U.S.
  • Waiver of Bank of America fees at international ATMs

75% credit card rewards bonus on your eligible Bank of America credit card accounts9

0.50% auto loan interest rate discount on purchase or refinance loans through a Bank of America financial center or online10

Up to 100 Merrill Edge® $0 online equity and exchange traded fund (ETF) trades per month (*Other fees may apply.)11

*In addition to your stock or ETF (or option) commissions, sell orders also may be subject to a fractional share liquidation fee of 10% of proceeds and a transaction fee (of between $0.01 to $0.03 per $1,000 of principal). If applicable, this fee appears under "Transaction Fee" on a trade confirmation. There are also fees associated with investing in ETFs. Read the Expenses & Charges sections of the prospectus to find out what they are.

1Checking account name is Bank of America Interest Checking for Wealth Management.

2 Wealth Management Interest Checking is a variable rate account. Fees may reduce earnings. Please consult your advisor for other account fees, rates and information

3Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider. Mobile App alerts are not available on BlackBerry® and Kindle Fire™

4Mobile Banking requires enrollment through the Mobile Banking app, Mobile website or Online Banking. Enrollment through the Mobile Banking app is not available on all devices. View the Online Banking Service Agreement at for more information. Data connection required. Wireless carrier fees may apply.

5Email and mobile transfers require enrollment in the service and must be made from a Bank of America consumer checking or savings account to a domestic bank account. Recipients have 14 days to register to receive money or the transfer will be cancelled. Dollar and frequency limits apply. See the Online Banking Service Agreement at for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply.

6 Mobile Check Deposits are subject to verification and not available for immediate withdrawal. In the Mobile Banking app, select Help & Support, then Mobile Check Deposit for details, including funds availability, deposit limits, proper disposal of checks, restrictions and terms and conditions. Requires at least a 2-megapixel camera. Data connection required. Wireless carrier fees may apply.

7 Consult your tax advisor regarding interest deductibility.

8 The Private Client Line is offered by U.S. Trust and not by or through Merrill Lynch, Pierce, Fenner & Smith Incorporated. Credit is subject to approval. Normal credit standards apply.

9Banking Rewards for Wealth Management Credit Card Rewards Bonus. Some credit cards, including Merrill Lynch-branded cards, are not eligible to receive the Banking Rewards for Wealth Management Bonus of 75% ("Banking Rewards Bonus"). Enrolled clients with eligible credit cards can receive the Banking Rewards Bonus in one of two ways: 1) For BankAmericard Cash Rewards™ credit cards, the Banking Rewards Bonus will be applied when you redeem cash rewards into a Bank of America® checking or savings account or an eligible Merrill Lynch Cash Management Account®. For example, if you redeem $100 in cash rewards, we will add $75 to your redemption amount. Redemptions for a statement credit or personal check will not receive the Banking Rewards Bonus. 2) For all other eligible credit cards (such as BankAmericard Travel Rewards® cards), the Banking Rewards Bonus will be added to the base rewards you earn with each purchase. For example, if you earn 100 base rewards, we will add 75 bonus rewards when the purchase posts to your account. The Banking Rewards Bonus will replace the 10% customer bonus you may receive with your card(s). Any other bonus rewards (e.g., accountopening bonuses and merchant based bonuses) will not receive the Banking Rewards Bonus. For additional program details and a complete list of ineligible cards, please sign in to Online Banking and refer to your Rewards Summary.

10Auto loan interest rate discount of 0.50% is valid only for clients who are enrolled in Banking Rewards for Wealth Management at the time of auto loan application and who obtain a Bank of America auto purchase or refinance loan. The maximum interest rate discount on a Bank of America auto loan is 0.50%. This discount is not reflected in our published rates on our website, but will be applied at loan fulfillment. Discounts are only available on new auto loans through a financial center or online and are not available on dealer financing. Benefit is nontransferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.

11$0 trades are only available with an individual or joint Merrill Edge self-directed brokerage account. MLPF&S waives its commission fee for 100 monthly online equity trades for Banking Rewards clients. Equity trades include stock and exchange traded funds (ETFs). To learn about additional ways to qualify for $0 trades, call 888.MER.EDGE (888.637.3343) or visit

Please review the Personal Schedule of Fees, available at and your local financial center.

Total Security Protection, U.S. Trust Photo Security, Bank of America Accolades, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license. Amazon® and Kindle Fire™ are trademarks of, Inc. or its affiliates, registered in the U.S. and other countries. BlackBerry® and related trademarks, names and logos are the property of Research In Motion Limited and are registered and/or used in the U.S. and countries around the world. Used under license from Research In Motion Limited.

Always consult with your independent attorney, tax advisor, investment manager and insurance agent for final recommendations and before changing or implementing any financial, tax or estate planning strategy.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.



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