As of 2015, you can apply for a personal account with Bank of America online, in person or over the phone, according to the bank's website. To apply online, go to BankofAmerica.com, select Apply Now, choose Personal Account, and enter your personal information. To apply by phone, call (844) 375-7028.
You have an opportunity to verify your information and review banking features before completing the process. Information needed to apply includes a debit card for the first deposit, email address, home address and Social Security number. The applicant receives an email notice indicating whether the bank approved the account within two business days, explains Bank of America. Account documents take up to 10 days to arrive by mail.