The requirement is to have an active qualifying consumer (non-business) checking, savings, or CD account, with Bank of America, or an investment account with Merrill. In order to qualify, the Bank of America account must have a deposit or withdrawal within 90 days, while the Merrill account must maintain an average daily balance greater than $0. Note that upon opening a new qualifying account, it could take up to 60 days to begin earning the relationship bonus points.