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Understanding saving & budgeting Simple ways to add to your savings Your guide to creating a budget plan How to start building an emergency fund Spending analysis tool View all saving & budgeting FINANCIAL GOALS Manage your money when living paycheck to paycheck , 9 minutes 11 resources Simplifying credit & managing debt Simplifying credit Choosing a credit card How credit cards work View all credit Managing Debt How to get out of credit card debt faster Paying back student loans View all debt Credit What is a credit score and how is it calculated? Read more, 4 minutes Making sense of banking accounts 8 common bank fees—and how to avoid them Managing bank accounts How to talk to your kids about their first debit card What is a Certificate of Deposit (CD) and how does it work? View all personal banking Personal Banking What is the difference between checking and savings accounts? 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View infographic, 5 minutes Wedding finances & beyond Marriage and Money: 10 tips for financial bliss Joint bank accounts: What you need to know Life stages Gen Z: know your money Welcome to the U.S. Get settled with these tips and tools Financial guidance for students Financial matters for families LIFE STAGES Financial matters for military members , 1 minute 8 resources Browse all topics Browse all topics Browse all topics Saving & budgeting Credit & debt Personal banking Home & auto Privacy & security General investing & saving for retirement Taxes & income College Life stages Saving & budgeting Simple ways to add to your savings Your guide to creating a budget plan Simple ways to save money for the future Dealing with a financial emergency Spending analysis tool View all saving & budgeting Saving & Budgeting Savings accounts and CDs (certificates of deposit): Which should I choose? 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What you need to know about the FAFSA® View all college LIFE STAGES Financial guidance for students , 1 minute 14 resources Life stages Gen Z: know your money Welcome to the U.S. Get settled with these tips and tools Financial guidance for students Financial matters for families LIFE STAGES Financial matters for military members , 1 minute 8 resources English Español Products & services Products & services Products & services Checking accounts Saving accounts Credit cards Home loans Auto loans Mobile & online banking BofA Rewards Schedule an appointment Online banking sign in Online banking sign in Locations Locations Contact Contact Help Help Enter your search words here Please make sure to enter any word or check spelling. Search tips: Check spelling Try more general terms Suggested keywords Plan with confidence for whatever’s next Whether you’re working on a short-term financial goal or saving for the future, we know that it’s not just about money. 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Watch video, 7 minutes Saving & Budgeting Savings accounts and CDs (certificates of deposit): Which should I choose? Read more, 4 minutes Life Stages Gen Z: Know your money , 2 minutes 30 resources Credit How to build credit from scratch Watch video, 4 minutes Personal Banking 8 common bank fees—and how to avoid them Many bank fees are avoidable with a little planning. Here’s a rundown of 8 common fees banks charge—and tips to help avoid them. Read more, 5 minutes Debt Pay off credit card debt faster To tackle credit card debt head on, it helps to first develop a plan and stick to it. Explore visual story, 2 minutes Homeownership How does a home equity line of credit work—and how can it help? Borrowing against home equity is a big decision for homeowners. Learn about five benefits and potential risks. Read more, 3 minutes INVESTING & RETIREMENT Your 401(k): 10 things to find out If your company offers you a 401(k) plan, you may have decisions to make. Check your plan documents or ask your HR representative for answers to these 10 key questions. Read more, 3 minutes 1 of Quiz: Question 1 of 5 What stage of life are you in? Answer a few simple questions, and we’ll direct you to the right resources. Just starting out Working & growing Nearing retirement Living in retirement Quiz Pick up where you left off Welcome back! You only have a few questions left to get your personalized solutions. See results Adjust answers Our story About Better Money Habits® Empowering financial independence for everyone More on what we do 12+ years of supporting individuals and communities to help reach their goals 300+ articles, videos, tools and more to empower financial education 1 of 2 About Better Money Habits® Empowering financial independence for everyone Since 2013, Better Money Habits has been a part of Bank of America’s commitment to supporting economic opportunity for individuals and communities from all walks of life. 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