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The Bank of America Secured Credit Card deposit can be returned in 2 situations: when you close the account, or after BofA reviews your account and decides your account qualifies to operate without a deposit. If you qualify, they'll return your deposit and let you keep using the card. Usually this happens after you've had the card for 12 months SEC Filings | Bank of America Corporation "Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America… Bank of America Review 2020: Account Pros and Cons