{"id":"cmrac71d000prub5atmru0nc0","slug":"bank-of-america-vs-fidelity)","title":"Bank of America vs Fidelity","shortAnswer":"Bank of America is primarily a traditional retail bank focused on checking, savings, and lending products, while Fidelity is a diversified financial services firm specializing in investment management, brokerage, and retirement accounts. Fidelity offers significantly lower investment fees and broader investment options, whereas Bank of America provides more accessible branch banking and integrated lending services.","keyDifferences":[{"label":"Primary Business Focus","winner":"b","entityAValue":"Retail banking (deposits, loans, credit cards)","entityBValue":"Investment management & brokerage services"},{"label":"Average Investment Account Fees","winner":"b","entityAValue":"0.42% advisory fees + trading costs","entityBValue":"0.35% advisory fees (lower on passive funds)"},{"label":"Physical Branch Locations","winner":"a","entityAValue":"4,200+ branches nationwide","entityBValue":"200+ branches (mainly in major cities)"},{"label":"Minimum Account Balance for Premium Services","winner":"b","entityAValue":"$10,000 (Preferred Rewards)","entityBValue":"$0 (no minimum for most accounts)"},{"label":"Investment Options Available","winner":"b","entityAValue":"Stocks, bonds, mutual funds, basic ETFs","entityBValue":"Stocks, bonds, ETFs, options, futures, forex"},{"label":"Average 401(k) Plan Fees","winner":"b","entityAValue":"0.65% average expense ratio","entityBValue":"0.42% average expense ratio"},{"label":"Customer Satisfaction Score (J.D. Power 2025)","winner":"b","entityAValue":"779/1000","entityBValue":"798/1000"}],"verdict":"Choose Bank of America if you need comprehensive retail banking services, prefer face-to-face interactions at numerous branches, and want integrated checking, savings, credit cards, and mortgages under one roof. Choose Fidelity if you're focused on investing, want lower fees, seek advanced trading capabilities, need strong retirement planning tools, or prefer a digital-first experience without minimum balance requirements.","category":"finance","entities":[{"id":"cmqp5hqx3007sefrf10kgbv4o","slug":"bank-of-america-corporation","name":"Bank of America Corporation","shortDesc":"Major US retail bank providing deposit products, consumer lending, and wealth management services.","imageUrl":"https://upload.wikimedia.org/wikipedia/commons/thumb/d/dd/Bank_of_America_Corporate_Center.jpg/330px-Bank_of_America_Corporate_Center.jpg","entityType":"company","position":0,"pros":["4,200+ branches for in-person banking and deposit services","Integrated mortgage and auto loan origination with competitive rates","Tiered rewards program (Preferred Rewards) with premium checking benefits","Strong credit card portfolio with travel and cash-back options","24/7 customer service with specialized relationship managers"],"cons":["Higher investment advisory fees (0.42%-0.50%) compared to industry averages","Monthly maintenance fees on checking accounts ($12) without minimum balances","Limited options for advanced traders (no options, futures, or forex trading)"],"bestFor":"Customers wanting traditional banking services, mortgages, business accounts, and those who value branch access over low investment fees."},{"id":"cmnbtqea200om5yl30ehuait5","slug":"fidelity-investments","name":"Fidelity Investments","shortDesc":"Diversified financial services firm specializing in investment management, brokerage, and retirement accounts.","imageUrl":null,"entityType":"company","position":1,"pros":["Industry-leading low investment fees (0.35%-0.42% on managed accounts)","Zero account minimums for most brokerage and retirement accounts","Comprehensive investment platform: stocks, ETFs, options, futures, forex, and crypto","Superior 401(k) and IRA offerings with average expense ratios of 0.42%","Exceptional customer satisfaction (798/1000 J.D. Power score) and educational resources"],"cons":["Limited physical branch presence (200+ locations vs 4,200 for BofA)","No traditional deposit insurance beyond brokerage cash management accounts","Mortgage and consumer lending services are limited; primarily investment-focused"],"bestFor":"Investors, traders, self-directed account holders, and anyone prioritizing low fees and advanced investment tools over branch banking convenience."}],"attributes":[{"id":"cmqp5hqyw0085efrfz5nnxa9i","slug":"us-physical-branches","name":"US Physical Branches","unit":"locations","category":"Accessibility","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmqp5hqx3007sefrf10kgbv4o","valueText":"4,368","valueNumber":4368,"valueBoolean":null}]},{"id":"cmqp5hqzo008hefrfc6q3jw8l","slug":"basic-checking-account-monthly-fee","name":"Basic Checking Account Monthly Fee","unit":"USD","category":"Affordability","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmqp5hqx3007sefrf10kgbv4o","valueText":"$12-15 (with conditions)","valueNumber":13.5,"valueBoolean":null}]},{"id":"cmqp5hr04008nefrf7l1tkrl5","slug":"money-market-account-apy-12-month-","name":"Money Market Account APY (12-month)","unit":"percent","category":"Interest Rates","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmqp5hqx3007sefrf10kgbv4o","valueText":"4.02% APY","valueNumber":4.02,"valueBoolean":null}]},{"id":"cmqp5hqy8007zefrf70cdini5","slug":"total-assets","name":"Total Assets","unit":"trillion USD","category":"Financial Strength","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmqp5hqx3007sefrf10kgbv4o","valueText":"$3.45T","valueNumber":3.45,"valueBoolean":null}]},{"id":"cmqp5hqza008befrf1qbdyey1","slug":"atm-network-size","name":"ATM Network Size","unit":"ATM locations","category":"Accessibility","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmqp5hqx3007sefrf10kgbv4o","valueText":"17,000+","valueNumber":17000,"valueBoolean":null}]},{"id":"cmqalk37c001u7xk5jfhcgd2c","slug":"j-d-power-customer-satisfaction-score","name":"J.D. 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However, Fidelity offers free checking with no monthly fees (vs $12 at BofA) and no minimum balance requirements. Choose BofA for traditional banking features; choose Fidelity if you want to avoid maintenance fees."},{"question":"Which has lower investment fees?","answer":"Fidelity has significantly lower fees, with average advisory fees of 0.35% compared to Bank of America's 0.42%. For 401(k) plans, Fidelity's average expense ratio is 0.42% vs BofA's 0.65%. This 0.23% difference on a $500K portfolio equals $1,150 annually in savings with Fidelity."},{"question":"Can I trade options and futures at both?","answer":"No. Bank of America does not offer options or futures trading on their standard brokerage platform. Fidelity offers a full suite of advanced trading instruments including options, futures, forex, and cryptocurrency, making it the clear choice for active traders."},{"question":"Which should I choose for mortgages?","answer":"Bank of America is the only practical choice for mortgages, as Fidelity does not offer residential mortgage lending. BofA has integrated mortgage servicing with your existing accounts and competitive rates, especially for Preferred Rewards members."},{"question":"What's the difference in 401(k) retirement accounts?","answer":"Both offer 401(k) plans, but Fidelity's are significantly cheaper. Fidelity charges average expense ratios of 0.42% vs Bank of America's 0.65%, translating to roughly $1,150 more per year in fees at BofA for a $500K balance. Fidelity also offers more investment choices (7+ asset classes vs 4 at BofA)."}],"relatedComparisons":[{"slug":"fidelity-vs-schwab","title":"Fidelity vs Charles Schwab","category":"finance"},{"slug":"wells-fargo-vs-bank-of-america","title":"Wells Fargo vs Bank of America","category":"finance"},{"slug":"bank-of-america-vs-capital-one","title":"Bank of America vs Capital One Financial","category":"finance"},{"slug":"charles-schwab-vs-fidelity","title":"Charles Schwab vs Fidelity Investments","category":"finance"},{"slug":"bitcoin-vs-ethereum","title":"Bitcoin vs Ethereum","category":"economy"},{"slug":"netflix-vs-disney-plus","title":"Netflix vs Disney+","category":"companies"},{"slug":"us-economy-vs-china-economy","title":"US Economy vs China Economy","category":"economy"},{"slug":"stock-market-vs-real-estate","title":"Stock Market vs Real Estate","category":"economy"},{"slug":"bank-of-america-vs-wells-fargo)","title":"Bank of America vs Wells Fargo","category":"finance"},{"slug":"bitcoin-vs-sp500))","title":"Bitcoin vs S&P 500","category":"finance"},{"slug":"capital-one-vs-lendingclub))","title":"Capital One vs LendingClub","category":"finance"},{"slug":"bank-of-america-vs-capital-one))","title":"Bank of America vs Capital One","category":"finance"}],"relatedBlogPosts":[{"slug":"are-chase-and-capital-one-affiliated","title":"Are Chase and Capital One Affiliated?","excerpt":"No — Chase and Capital One are completely separate, competing companies with no shared ownership, no common parent, and no shared rewards program. 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