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Payment Holidays Customers with loans in good standing may periodically receive offers to delay an upcoming payment freeing up extra cash for a summer vacation or holiday shopping. For example, Bank of America provides a same-day and 10-day payoff  Log in once to view and manage your Merrill Edge investing and Bank of Pay no monthly maintenance fee on up to 4 checking accounts with the . By Mail: Mail loan payments to: HomeStreet Bank, P. We want managing your account to be quick and easy. When you are a Bank of America Preferred Rewards client (waiver applies to first 4 checking and savings accounts) Or pay $8/month Bank of America does not currently offer unsecured personal loans. Although, they can be competitive for A+, A, B and upper level C tier credit customers, they still may not be your best option, even if you do all your banking with them. The maximum preferred interest rate discount on a Bank of America auto loan is 0. 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