{"id":7286,"date":"2022-06-08T20:00:01","date_gmt":"2022-06-08T20:00:01","guid":{"rendered":"https:\/\/eragoncred.com\/?p=7286"},"modified":"2022-06-08T00:00:40","modified_gmt":"2022-06-08T00:00:40","slug":"bank-of-america-incelemesi","status":"publish","type":"post","link":"https:\/\/eragoncred.com\/tr_w\/bank-of-america-incelemesi\/","title":{"rendered":"Bank of America \u0130ncelemesi"},"content":{"rendered":"<figure id=\"attachment_7299\" aria-describedby=\"caption-attachment-7299\" style=\"width: 700px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-7299 size-full\" title=\"Bank of America \u0130ncelemesi\" src=\"https:\/\/eragoncred.com\/wp-content\/uploads\/2022\/06\/t_counts_towards_principal_and_in_2_.webp\" alt=\"Bank of America \u0130ncelemesi\" width=\"700\" height=\"400\" srcset=\"https:\/\/eragoncred.com\/wp-content\/uploads\/2022\/06\/t_counts_towards_principal_and_in_2_.webp 700w, https:\/\/eragoncred.com\/wp-content\/uploads\/2022\/06\/t_counts_towards_principal_and_in_2_-550x314.webp 550w, https:\/\/eragoncred.com\/wp-content\/uploads\/2022\/06\/t_counts_towards_principal_and_in_2_-150x86.webp 150w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><figcaption id=\"caption-attachment-7299\" class=\"wp-caption-text\">Bank of America \u0130ncelemesi<\/figcaption><\/figure>\n<p>\u00dcst d\u00fczey dijital yeteneklere, geni\u015f bir \u015fube a\u011f\u0131na ve \u00e7ok say\u0131da ATM&#039;ye sahip bir kurum ar\u0131yorsan\u0131z, Bank of America&#039;da bankac\u0131l\u0131k yapmak mant\u0131kl\u0131d\u0131r. Ancak banka masraflar\u0131ndan kurtulmak ve y\u00fcksek getiri elde etmek istiyorsan\u0131z bu banka sizin i\u00e7in en iyi tercih olmayacakt\u0131r.<\/p>\n<p>Bank of America, Amerika Birle\u015fik Devletleri&#039;nin ikinci b\u00fcy\u00fck finans kurulu\u015fudur. K\u00fcresel \u00f6l\u00e7ekte varl\u0131\u011f\u0131 bulunan ve yakla\u015f\u0131k 67 milyon m\u00fc\u015fteriye sahip dijital bir liderdir.<\/p>\n<h3>Neyi seviyoruz<\/h3>\n<ul>\n<li>Bankan\u0131n \u00fclke geneline yay\u0131lm\u0131\u015f 4.200&#039;e yak\u0131n \u015fubesi ve 16.000&#039;e yak\u0131n ATM&#039;si bulunmaktad\u0131r.<\/li>\n<li>\u00d6d\u00fcll\u00fc bir mobil bankac\u0131l\u0131k uygulamas\u0131na sahip ve dijital teknolojiye b\u00fcy\u00fck yat\u0131r\u0131mlar yap\u0131yor.<\/li>\n<li>M\u00fc\u015fteriler, arkada\u015flar\u0131n\u0131n ve ailelerinin banka hesaplar\u0131na do\u011frudan para transferini kolayla\u015ft\u0131ran cep telefonlar\u0131n\u0131n ki\u015fiden ki\u015fiye \u00f6deme hizmetini kullanabilirler.<\/li>\n<li>Yapay zeka destekli sanal asistan Erica, b\u00fct\u00e7elemeyi, para y\u00f6netimini ve gider takibini kolayla\u015ft\u0131r\u0131yor.<\/li>\n<\/ul>\n<h3>Hi\u00e7bir\u015feyimiz yok<\/h3>\n<ul>\n<li>\u00dccretlerden ka\u00e7\u0131n\u0131labilir, ancak belirli gereksinimleri kar\u015f\u0131layamayan m\u00fc\u015fteriler i\u00e7in bu \u00fccretler kolayca artabilir.<\/li>\n<li>Tasarruflar ve CD getirileri d\u00fc\u015f\u00fck.<\/li>\n<li>\u015eubeler, baz\u0131lar\u0131 COVID-19 nedeniyle ge\u00e7ici olarak, baz\u0131lar\u0131 ise bankalar\u0131n daha fazla \u00e7evrimi\u00e7i bankac\u0131l\u0131\u011fa ge\u00e7i\u015f yapmas\u0131 nedeniyle kal\u0131c\u0131 olarak kapat\u0131ld\u0131.<\/li>\n<li>M\u00fc\u015fterilerin eksi bakiye korumal\u0131 SafeBalance hesab\u0131 yoksa, g\u00fcnl\u00fck $100&#039;\u00fc a\u015fan tutarda faturaland\u0131r\u0131labilirler.<\/li>\n<\/ul>\n<h2 class=\"+heading-beta +mg-bottom-none\">Tasarruf hesaplar\u0131<\/h2>\n<p>Bank of America&#039;n\u0131n Advantage Savings minimum APY&#039;si ulusal ortalaman\u0131n alt\u0131ndad\u0131r. Hesap a\u00e7mak i\u00e7in minimum $100 tutar\u0131nda bir yat\u0131r\u0131m yapman\u0131z gerekiyor ve minimum $500 bakiye tutarak ka\u00e7\u0131nabilece\u011finiz $8 tutar\u0131nda bir ayl\u0131k bak\u0131m \u00fccreti var. Ayr\u0131ca, ayl\u0131k hizmet \u00fccretlerinden ka\u00e7\u0131nmak i\u00e7in bir Bank of America Advantage tasarruf hesab\u0131 ba\u011flayabilir veya Bank of America Preferred Rewards m\u00fc\u015fterisi olabilirsiniz.<\/p>\n<p>Bank of America Advantage Savings kademeli APY&#039;ler sunuyor. Bankan\u0131n mobil uygulamas\u0131n\u0131 kullanarak \u00e7eklerinizi tasarruf hesab\u0131n\u0131za yat\u0131rabilirsiniz.<\/p>\n<p>\u00c7o\u011fu bankada oldu\u011fu gibi, ayl\u0131k hesap \u00f6zeti d\u00f6ng\u00fcs\u00fcnde alt\u0131dan fazla \u00e7ekim veya transfer yap\u0131lmas\u0131 durumunda \u00fccret al\u0131nmaktad\u0131r. Bank of America, alt\u0131 \u00e7ekim limitinin \u00fczerindeki her \u00e7ekim veya transfer i\u00e7in $10 \u00fccret talep ediyor.<\/p>\n<p>Bank of America&#039;n\u0131n Keep the Change program\u0131, Bank of America banka kart\u0131n\u0131zla yapt\u0131\u011f\u0131n\u0131z al\u0131\u015fveri\u015fleri toplay\u0131p aradaki fark\u0131 tasarruf hesab\u0131n\u0131za yat\u0131rarak tasarruflar\u0131n\u0131z\u0131 otomatikle\u015ftirmenize yard\u0131mc\u0131 olur.<\/p>\n<h3>Neyi seviyoruz<\/h3>\n<p>Bank of America cari hesab\u0131n\u0131za ba\u011fl\u0131 Bank of America banka kart\u0131n\u0131z\u0131 kulland\u0131\u011f\u0131n\u0131zda, Bank of America&#039;n\u0131n Keep Change program\u0131, al\u0131\u015fveri\u015flerinizi yuvarlay\u0131p aradaki fark\u0131 tasarruf hesab\u0131n\u0131za aktararak otomatik olarak tasarruf etmenize yard\u0131mc\u0131 olur.<\/p>\n<p>Mobil uygulamay\u0131 kullanarak tasarruf hesab\u0131n\u0131za \u00e7ek yat\u0131rabilirsiniz.<\/p>\n<h3>Hi\u00e7bir\u015feyimiz yok<\/h3>\n<p>Bank of America&#039;n\u0131n Advantage tasarruf hesaplar\u0131 i\u00e7in maksimum APY, tasarruf hesaplar\u0131 i\u00e7in ulusal ortalaman\u0131n alt\u0131ndad\u0131r.<\/p>\n<p>Ayl\u0131k hizmet \u00fccreti olmayan, daha y\u00fcksek getirili di\u011fer tasarruf hesaplar\u0131 da mevcuttur.<\/p>\n<h2 class=\"+heading-beta +mg-bottom-none\">CD oranlar\u0131<\/h2>\n<p>Bank of America 14 vadeli mevduat hesaplar\u0131 sunuyor. CD&#039;lerin s\u00fcreleri 1 aydan 10 y\u0131la kadar de\u011fi\u015fmektedir. M\u00fc\u015fteriler iki farkl\u0131 CD t\u00fcr\u00fc aras\u0131nda se\u00e7im yapabilirler. Standart CD&#039;lerin minimum depozitosu $1.000 olup, birden fazla vade se\u00e7ene\u011fi bulunmaktad\u0131r. K\u0131sa vadeli hesaplarla ilgilenen m\u00fc\u015fterilerimiz, $10.000 minimum yat\u0131r\u0131mla \u00f6ne \u00e7\u0131kan CD&#039;yi kullanabilirler. Baz\u0131 CD&#039;ler yaln\u0131zca 7 aydan 37 aya kadar de\u011fi\u015fen s\u0131n\u0131rl\u0131 bir s\u00fcre i\u00e7in mevcuttur.<\/p>\n<p>Erken \u00e7ekimlerde ceza uygulanacakt\u0131r. Vadesi 12 ay ile 5 y\u0131l aras\u0131nda olan mevduatlarda ise ceza tutar\u0131 180 faiz g\u00fcn\u00fcd\u00fcr.<\/p>\n<h3>Neyi seviyoruz<\/h3>\n<ul>\n<li>Standart CD i\u00e7in minimum hesap a\u00e7\u0131l\u0131\u015f teminat\u0131 $1.000&#039;dir. Baz\u0131 bankalar\u0131n mevduat i\u00e7in daha y\u00fcksek \u015fartlar\u0131 vard\u0131r.<\/li>\n<li>M\u00fc\u015fteriler Standart \u00c7al\u0131\u015fma Zaman\u0131 CD&#039;sinde \u00e7e\u015fitli farkl\u0131 \u00e7al\u0131\u015fma zamanlar\u0131 aras\u0131ndan se\u00e7im yapabilirler.<\/li>\n<\/ul>\n<h3>Hi\u00e7bir\u015feyimiz yok<\/h3>\n<ul>\n<li>Bank of America CD&#039;leri, \u00e7evrimi\u00e7i bankalar\u0131n sunduklar\u0131na k\u0131yasla daha d\u00fc\u015f\u00fck getiri oranlar\u0131 sunar.<\/li>\n<li>Se\u00e7ili CD&#039;ler yaln\u0131zca 7 aydan 37 aya kadar mevcuttur.<\/li>\n<li>Tavsiye edilen CD&#039;lerin a\u00e7\u0131lma maliyeti en az $10.000 TL&#039;dir.<\/li>\n<li>Geli\u015ftirilmi\u015f CD veya cezas\u0131z CD gibi \u00f6zel CD&#039;ler yoktur.<\/li>\n<\/ul>\n<h2 class=\"+heading-beta +mg-bottom-none\">Hesaplar\u0131 kontrol etme<\/h2>\n<p>Bank of America&#039;da sadece $100 kar\u015f\u0131l\u0131\u011f\u0131nda Advantage Plus Bank \u00e7ek hesab\u0131 a\u00e7\u0131n. Hesab\u0131n\u0131zda en az $1.500 bulundurmad\u0131\u011f\u0131n\u0131z takdirde $12 bak\u0131m \u00fccreti al\u0131n\u0131r. Ayl\u0131k \u00fccreti \u00f6demekten muafiyet sa\u011flaman\u0131n di\u011fer yollar\u0131 aras\u0131nda faturaland\u0131rma d\u00f6ng\u00fcs\u00fc ba\u015f\u0131na en az bir adet $250 veya daha fazla tutar\u0131nda do\u011frudan para yat\u0131rma i\u015flemi yapmak veya Tercih Edilen \u00d6d\u00fcllere kat\u0131lmak yer al\u0131r.<\/p>\n<p>Bank of America Advantage \u0130li\u015fki Bankac\u0131l\u0131\u011f\u0131, $100 minimum a\u00e7\u0131l\u0131\u015f mevduat\u0131yla faiz getiren \u00e7ek hesaplar\u0131 sunmaktad\u0131r. $25 ayl\u0131k bak\u0131m \u00fccreti, toplam kredi limiti $10.000 olan uygun ba\u011flant\u0131l\u0131 hesaplar veya Tercih Edilen \u00d6d\u00fcl m\u00fc\u015fterileri i\u00e7in al\u0131nmaz.<\/p>\n<p>Bir di\u011fer se\u00e7enek ise faizsiz Advantage SafeBalance Bankac\u0131l\u0131\u011f\u0131&#039;d\u0131r (ayl\u0131k $4.95 \u00fccret, $25 a\u00e7\u0131l\u0131\u015f bakiyesi, ka\u011f\u0131t \u00e7ek yok).<\/p>\n<h3>Neyi seviyoruz<\/h3>\n<ul>\n<li>Vadesiz mevduat hesab\u0131 a\u00e7t\u0131rmak uygundur.<\/li>\n<li>M\u00fc\u015fterilerin mobil uygulama ile kullanabilecekleri sanal bankac\u0131l\u0131k asistan\u0131 Erica&#039;y\u0131 inceleyin.<\/li>\n<li>Dengeli ba\u011flant\u0131lar ad\u0131 verilen bir eksi bakiye koruma se\u00e7ene\u011fi sunar.<\/li>\n<\/ul>\n<h3>Hi\u00e7bir\u015feyimiz yok<\/h3>\n<ul>\n<li>Advantage Plus Bankac\u0131l\u0131k&#039;ta faiz kazanc\u0131 yoktur.<\/li>\n<li>Ayl\u0131k hizmet \u00fccreti olmayan bir cari hesap se\u00e7ene\u011fi bulunmamaktad\u0131r.<\/li>\n<\/ul>\n<h2>Bankac\u0131l\u0131k deneyimi<\/h2>\n<p>Bank of America, yakla\u015f\u0131k 4.200 \u015fubeye ve yakla\u015f\u0131k 16.000 ATM&#039;ye eri\u015fim sa\u011fl\u0131yor. M\u00fc\u015fteriler ayr\u0131ca, do\u011frudan aile ve arkada\u015flardan para g\u00f6nderip alma olana\u011f\u0131 sa\u011flayan ki\u015fiden ki\u015fiye \u00f6deme platformu Zelle&#039;yi de kullanabilirler.<\/p>\n<p>Bank of America&#039;n\u0131n mobil uygulama deneyimi rakiplerine k\u0131yasla birka\u00e7 ekstra detay da i\u00e7eriyor. Uygulamada panonuzu \u00f6zelle\u015ftirebilir, bankan\u0131n sanal asistan\u0131 Erica&#039;dan bilgi ve rehberlik alabilirsiniz.<\/p>\n<p>Ayr\u0131ca haftan\u0131n 7 g\u00fcn\u00fc m\u00fc\u015fteri temsilcilerimize ula\u015fabilirsiniz.<\/p>\n<h2>Bank of America Hakk\u0131nda<\/h2>\n<p>G\u00fcn\u00fcm\u00fczde Bank of America olarak bilinen kurulu\u015f, 1904 y\u0131l\u0131nda Amadeo Peter Giannini taraf\u0131ndan di\u011fer finansal kurumlardan hizmet alamayan g\u00f6\u00e7menlere destek olmak amac\u0131yla San Francisco&#039;da kurulan yerel bir banka olan Bank of Italy olarak ba\u015flad\u0131. Banka, Kaliforniya&#039;daki tek eyalet bankas\u0131 haline gelene kadar b\u00fcy\u00fcmeye devam etti. \u0130talya ve ABD&#039;nin di\u011fer \u015fehirlerinde \u015fubeler a\u00e7\u0131ld\u0131 ve 1945&#039;te d\u00fcnyan\u0131n en b\u00fcy\u00fck bankas\u0131 haline geldi.<\/p>\n<p>1998 y\u0131l\u0131nda National Bank ile ger\u00e7ekle\u015fen birle\u015fme, Bank of America&#039;y\u0131 k\u0131y\u0131dan k\u0131y\u0131ya faaliyet g\u00f6steren ilk banka yapt\u0131. G\u00fcn\u00fcm\u00fczde bankan\u0131n merkezi Kuzey Carolina eyaletinin Charlotte kentindedir.<\/p>\n<p>Bank of America, geni\u015f yelpazede bankac\u0131l\u0131k, k\u00fc\u00e7\u00fck i\u015fletmeler ve varl\u0131k y\u00f6netimi hizmetleri sunmaktad\u0131r. S\u0131n\u0131f\u0131n\u0131n en iyisi dijital yeteneklere, yayg\u0131n \u015fube a\u011f\u0131na ve \u00e7ok say\u0131da ATM&#039;ye sahiptir. Ancak banka masraflar\u0131ndan ka\u00e7\u0131nmak istiyorsan\u0131z veya y\u00fcksek getiri elde etmek istiyorsan\u0131z paran\u0131z\u0131 ba\u015fka yerde biriktirin.<\/p>\n<h2>Daha fazla bilgi edin:<\/h2>\n<ul>\n<li>\n<blockquote><p><strong><a href=\"https:\/\/eragoncred.com\/tr_w\/american-express-centurion-black-kart-incelemesi\/\">American Express Centurion Siyah Kart \u0130ncelemesi<\/a><\/strong><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><strong><a href=\"https:\/\/eragoncred.com\/tr_w\/x1-kredi-karti-basvurusu-nasil-yapilir\/\" target=\"_blank\" rel=\"noopener\">X1 Kredi Kart\u0131 \u2013 Nas\u0131l ba\u015fvurulaca\u011f\u0131n\u0131 kontrol edin.<\/a><\/strong><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><strong><a href=\"https:\/\/eragoncred.com\/tr_w\/kader-kredi-karti-online-siparis-nasil-verilir\/\" target=\"_blank\" rel=\"noopener\">Destiny Kredi Kart\u0131 \u2013 \u00c7evrimi\u00e7i sipari\u015f nas\u0131l verilir.<\/a><\/strong><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><strong><a href=\"https:\/\/eragoncred.com\/tr_w\/delta-skymiles-reserve-american-express-kart-incelemesi-daha-fazlasini-gor\/\" target=\"_blank\" rel=\"noopener\">Delta Skymiles\u00ae Reserve American Express Kart \u0130ncelemesi \u2013 Daha fazlas\u0131n\u0131 g\u00f6r\u00fcn.<\/a><\/strong><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><strong><a href=\"https:\/\/eragoncred.com\/tr_w\/american-express-yeni-cek-hesabi-ve-yeniden-tasarlanan-uygulama-ile-musteri-deneyimine-odaklaniyor\/\" target=\"_blank\" rel=\"noopener\">AmEx, yeni \u00e7ek hesab\u0131 ve yeniden tasarlanan uygulamayla m\u00fc\u015fteri deneyimine odaklan\u0131yor<\/a><\/strong><\/p><\/blockquote>\n<\/li>\n<li>\n<blockquote><p><a href=\"https:\/\/themoneybest.com\/discover-it-rewards-card-rewards-see-how-it-works\/\" target=\"_blank\" rel=\"noopener\"><strong>Discover it\u00ae Rewards kart\u0131 \u00f6d\u00fcllerinin nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcn<\/strong><\/a><\/p><\/blockquote>\n<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Banking at Bank of America makes sense if you&#8217;re looking for an institution with top-notch digital capabilities, an extensive branch network, and plenty of ATMs. However, if you want to avoid bank fees and get high returns, this bank is not the best choice. Bank of America is the second largest financial institution in the [&hellip;]<\/p>","protected":false},"author":5,"featured_media":7299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[824],"tags":[706,1574,3127,1575,3126,3124,3125],"class_list":{"0":"post-7286","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-banking","8":"tag-bank-of-america","9":"tag-bank-of-america-customer-service","10":"tag-bank-of-america-edd","11":"tag-bank-of-america-login","12":"tag-bank-of-america-near-me","13":"tag-bank-of-america-review","14":"tag-us-bank"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/posts\/7286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/comments?post=7286"}],"version-history":[{"count":0,"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/posts\/7286\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/media\/7299"}],"wp:attachment":[{"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/media?parent=7286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/categories?post=7286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eragoncred.com\/tr_w\/wp-json\/wp\/v2\/tags?post=7286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}