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  <xsd:element id="bac_AverageDailyReserveBalancesInExcessOfVaultCashHeldWithFederalReserve" name="AverageDailyReserveBalancesInExcessOfVaultCashHeldWithFederalReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_AverageDailyReserveBalancesRequiredByFederalReserve" name="AverageDailyReserveBalancesRequiredByFederalReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankAmericaCapitalThreeMember" name="BankAmericaCapitalThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankBostonCapitalTrustFourMember" name="BankBostonCapitalTrustFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankBostonCapitalTrustThreeMember" name="BankBostonCapitalTrustThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankHoldingCompaniesandRelatedSubsidiariesMember" name="BankHoldingCompaniesandRelatedSubsidiariesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankNotesMember" name="BankNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCapitalTrustEightMember" name="BankofAmericaCapitalTrustEightMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCapitalTrustElevenMember" name="BankofAmericaCapitalTrustElevenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCapitalTrustFifteenMember" name="BankofAmericaCapitalTrustFifteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCapitalTrustSevenMember" name="BankofAmericaCapitalTrustSevenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCapitalTrustSixMember" name="BankofAmericaCapitalTrustSixMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCorporationJuniorSubordinatedNotesFixedMember" name="BankofAmericaCorporationJuniorSubordinatedNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCorporationJuniorSubordinatedNotesFloatingMember" name="BankofAmericaCorporationJuniorSubordinatedNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCorporationSeniorNotesFixedMember" name="BankofAmericaCorporationSeniorNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCorporationSeniorNotesFloatingMember" name="BankofAmericaCorporationSeniorNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCorporationSubordinatedNotesFixedMember" name="BankofAmericaCorporationSubordinatedNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaCorporationSubordinatedNotesFloatingMember" name="BankofAmericaCorporationSubordinatedNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaN.A.AdvancesfromFederalHomeLoanBanksFixedMember" name="BankofAmericaN.A.AdvancesfromFederalHomeLoanBanksFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaN.A.AdvancesfromFederalHomeLoanBanksFloatingMember" name="BankofAmericaN.A.AdvancesfromFederalHomeLoanBanksFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaN.A.SeniorNotesFixedMember" name="BankofAmericaN.A.SeniorNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaN.A.SeniorNotesFloatingMember" name="BankofAmericaN.A.SeniorNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaN.A.SubordinatedNotesFixedMember" name="BankofAmericaN.A.SubordinatedNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofAmericaN.A.SubordinatedNotesFloatingMember" name="BankofAmericaN.A.SubordinatedNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BankofNewYorkMellonAsTrusteeSettlementMember" name="BankofNewYorkMellonAsTrusteeSettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BanksandRelatedSubsidiariesMember" name="BanksandRelatedSubsidiariesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BarnettCapitalThreeMember" name="BarnettCapitalThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_BaselThreeTransitionAnnualIncrement" name="BaselThreeTransitionAnnualIncrement" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_BaselThreeTransitionPercentageIncreaseinTierOneBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" name="BaselThreeTransitionPercentageIncreaseinTierOneBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_BrokerageCommissionsAndAssetManagementFeeRevenueMember" name="BrokerageCommissionsAndAssetManagementFeeRevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BusinessCardLoansMember" name="BusinessCardLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_BusinessCardandSmallBusinessLoanMember" name="BusinessCardandSmallBusinessLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CapitlizationOfPastDueAmountsMember" name="CapitlizationOfPastDueAmountsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CarryingValueofCreditRelatedNotesAbstract" name="CarryingValueofCreditRelatedNotesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CarryingValueofDerivativesAbstract" name="CarryingValueofDerivativesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_CashDividendsAllowabletobeDeclaredandPaidtoParentCompanyByConsolidatedSubsidiaries" name="CashDividendsAllowabletobeDeclaredandPaidtoParentCompanyByConsolidatedSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_CashDividendsfromSubsidiaries" name="CashDividendsfromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonthsNetOfTax" name="CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonthsNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CashandCashEquivalentCommingledMutualFundsMember" name="CashandCashEquivalentCommingledMutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_CashandCashEquivalentsHeldforThirdParty" name="CashandCashEquivalentsHeldforThirdParty" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_CashandSecuritiesHeldasCollateralatFairValue" name="CashandSecuritiesHeldasCollateralatFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_CashsettledRestrictedStockUnitsMember" name="CashsettledRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonaccretableDifference" name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodNonaccretableDifference" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAccretableYieldDisposalsofLoansandTransferstoLoansHeldforsale" name="CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAccretableYieldDisposalsofLoansandTransferstoLoansHeldforsale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAccretableYieldTableTextBlock" name="CertainLoansAcquiredinTransferNotAccountedforasDebtSecuritiesAccretableYieldTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ChapterSevenBankruptcyMember" name="ChapterSevenBankruptcyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ChinaConstructionBankCorporationMember" name="ChinaConstructionBankCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ChinaConstructionBankMember" name="ChinaConstructionBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ClassofWarrantorRightMinimumDividendsPerShareDeclaredTriggeringAdjustmenttoExercisePriceofWarrant" name="ClassofWarrantorRightMinimumDividendsPerShareDeclaredTriggeringAdjustmenttoExercisePriceofWarrant" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_CollateralNotYetPostedAggregateFairValue" name="CollateralNotYetPostedAggregateFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CollateralPostedEffectofDowngradebyOneIncrementalNotchAggregateFairValueIncludingTriggeringCircumstances" name="CollateralPostedEffectofDowngradebyOneIncrementalNotchAggregateFairValueIncludingTriggeringCircumstances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_CollateralPostedEffectofDowngradebySecondIncrementalNotchAggregateFairValueIncludingTriggeringCircumstance" name="CollateralPostedEffectofDowngradebySecondIncrementalNotchAggregateFairValueIncludingTriggeringCircumstance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_CommercialBanksMember" name="CommercialBanksMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CommercialLoansDebtSecuritiesandOtherMember" name="CommercialLoansDebtSecuritiesandOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CommodityandBalancedFundsMember" name="CommodityandBalancedFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CommonEquityTier1CapitalAbstract" name="CommonEquityTier1CapitalAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CommonandPreferredEquitySecuritiesMember" name="CommonandPreferredEquitySecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ConsumerBusinessBankingSegmentMember" name="ConsumerBusinessBankingSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ConsumerFinanceLoansMember" name="ConsumerFinanceLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ConsumerLeasesMember" name="ConsumerLeasesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ConsumerOverdraftsMember" name="ConsumerOverdraftsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ConsumerRealEstateServicesSegmentMember" name="ConsumerRealEstateServicesSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ContinuingInvolvementWithTransferredFinancialAssetsAmountIssued" name="ContinuingInvolvementWithTransferredFinancialAssetsAmountIssued" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_ContinuingInvolvementWithTransferredFinancialAssetsStatedInterestRate" name="ContinuingInvolvementWithTransferredFinancialAssetsStatedInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_ContractualInterestRateReductionMember" name="ContractualInterestRateReductionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ContractualMaturitiesTimeDepositsDomestic100000orMoreAbstract" name="ContractualMaturitiesTimeDepositsDomestic100000orMoreAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CorePortfolioHomeEquityFinancingReceivableMember" name="CorePortfolioHomeEquityFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CorePortfolioResidentialFinancingReceivableMember" name="CorePortfolioResidentialFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CorporateSecuritiesAndOtherMember" name="CorporateSecuritiesAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CorporateSecuritiesTradingLoansAndOtherMember" name="CorporateSecuritiesTradingLoansAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CorporateandAgencyBondsMember" name="CorporateandAgencyBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CountrywideCapitalFiveMember" name="CountrywideCapitalFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CountrywideCapitalFourMember" name="CountrywideCapitalFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CountrywideCapitalThreeMember" name="CountrywideCapitalThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CreditCardLinesMember" name="CreditCardLinesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_CreditCardandDepositAgreementsPolicyPolicyTextBlock" name="CreditCardandDepositAgreementsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CreditCardandOtherUnsecuredConsumerLoansMember" name="CreditCardandOtherUnsecuredConsumerLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_CreditDerivativeFairValueWithIdenticalUnderlyingReferencedNamesandTerms" name="CreditDerivativeFairValueWithIdenticalUnderlyingReferencedNamesandTerms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditDerivativeMaximumExposureGreaterThanFiveYears" name="CreditDerivativeMaximumExposureGreaterThanFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditDerivativeMaximumExposureLessThanOneYear" name="CreditDerivativeMaximumExposureLessThanOneYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditDerivativeMaximumExposureOnetoThreeYears" name="CreditDerivativeMaximumExposureOnetoThreeYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditDerivativeMaximumExposureThreeToFiveYears" name="CreditDerivativeMaximumExposureThreeToFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditDerivativeNotionalAmountWithIdenticalUnderlyingReferencedNamesandTerms" name="CreditDerivativeNotionalAmountWithIdenticalUnderlyingReferencedNamesandTerms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsCarryingValue" name="CreditExtensionCommitmentsCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsDeferredRevenue" name="CreditExtensionCommitmentsDeferredRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmount" name="CreditExtensionCommitmentsNotionalAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmountDistributionstoOtherFinancialInstitutions" name="CreditExtensionCommitmentsNotionalAmountDistributionstoOtherFinancialInstitutions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmountExpirationAfterFiveYears" name="CreditExtensionCommitmentsNotionalAmountExpirationAfterFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmountExpirationAfterOneYearThroughThreeYears" name="CreditExtensionCommitmentsNotionalAmountExpirationAfterOneYearThroughThreeYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmountExpirationAfterThreeYearsThroughFiveYears" name="CreditExtensionCommitmentsNotionalAmountExpirationAfterThreeYearsThroughFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmountExpirationinOneYearorLess" name="CreditExtensionCommitmentsNotionalAmountExpirationinOneYearorLess" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsNotionalAmountRecordedUnderFairValue" name="CreditExtensionCommitmentsNotionalAmountRecordedUnderFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_CreditExtensionCommitmentsReserveforUnfundedLendingCommitments" name="CreditExtensionCommitmentsReserveforUnfundedLendingCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_CreditRiskContractUnilateralTerminationOptionMember" name="CreditRiskContractUnilateralTerminationOptionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CreditRiskonLoansMember" name="CreditRiskonLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CreditScoreFicoAxis" name="CreditScoreFicoAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CreditScoreFicoDomain" name="CreditScoreFicoDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_CreditValuationGainLossonDerivativeAssetGross" name="CreditValuationGainLossonDerivativeAssetGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_CreditValuationGainLossonDerivativeAssetNet" name="CreditValuationGainLossonDerivativeAssetNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_CustomerVehiclesMember" name="CustomerVehiclesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_DealerFinancialServicesLoansMember" name="DealerFinancialServicesLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_DeathorBankruptcyMember" name="DeathorBankruptcyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DebitValuationGainLossonDerivativeLiabilityGross" name="DebitValuationGainLossonDerivativeLiabilityGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_DebitValuationGainLossonDerivativeLiabilityNet" name="DebitValuationGainLossonDerivativeLiabilityNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_DebtInstrumentRegistrationStatementAuthorized" name="DebtInstrumentRegistrationStatementAuthorized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtInstrumentRegistrationStatementMinimumMaturityPeriod" name="DebtInstrumentRegistrationStatementMinimumMaturityPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DebtInstrumentRegistrationStatementShortTermDebtOutstandingUnderProgram" name="DebtInstrumentRegistrationStatementShortTermDebtOutstandingUnderProgram" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_DebtMaturitiesAmortizedCostBasisRollingMaturityAbstract" name="DebtMaturitiesAmortizedCostBasisRollingMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_DebtMaturitiesFairValueRollingMaturityAbstract" name="DebtMaturitiesFairValueRollingMaturityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis" name="DebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasisAverageYield" name="DebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasisAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesNextRollingTwelveMonthsFairValue" name="DebtMaturitiesNextRollingTwelveMonthsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis" name="DebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingYearSixThroughTenAmortizedCostBasisAverageYield" name="DebtMaturitiesRollingYearSixThroughTenAmortizedCostBasisAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingYearSixThroughTenFairValue" name="DebtMaturitiesRollingYearSixThroughTenFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis" name="DebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasisAverageYield" name="DebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasisAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingYearTwoThroughFiveFairValue" name="DebtMaturitiesRollingYearTwoThroughFiveFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingafterYearTenAmortizedCostBasis" name="DebtMaturitiesRollingafterYearTenAmortizedCostBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingafterYearTenAmortizedCostBasisAverageYield" name="DebtMaturitiesRollingafterYearTenAmortizedCostBasisAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtMaturitiesRollingafterYearTenFairValue" name="DebtMaturitiesRollingafterYearTenFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_DebtSecuritiesAbstract" name="DebtSecuritiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DebtSecuritiesAmortizedCost" name="DebtSecuritiesAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesAmortizedCostAmountofDebtSecuritiesExceeds10PercentofStockholdersEquity" name="DebtSecuritiesAmortizedCostAmountofDebtSecuritiesExceeds10PercentofStockholdersEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesCarriedAtFairValue" name="DebtSecuritiesCarriedAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesCarriedAtFairValueAmortizedCost" name="DebtSecuritiesCarriedAtFairValueAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesCarriedAtFairValueAmortizedCostAverageYield" name="DebtSecuritiesCarriedAtFairValueAmortizedCostAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesCarriedAtFairValueGrossUnrealizedGain" name="DebtSecuritiesCarriedAtFairValueGrossUnrealizedGain" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesCarriedAtFairValueGrossUnrealizedLoss" name="DebtSecuritiesCarriedAtFairValueGrossUnrealizedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_DebtSecuritiesCarriedatFairValueAbstract" name="DebtSecuritiesCarriedatFairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DebtSecuritiesCarriedatFairValueAmortizedCostBasis" name="DebtSecuritiesCarriedatFairValueAmortizedCostBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesCarriedatFairValuePledgedAsCollateral" name="DebtSecuritiesCarriedatFairValuePledgedAsCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesExceeding10PercentStockholdersEquityTableTextBlock" name="DebtSecuritiesExceeding10PercentStockholdersEquityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DebtSecuritiesFairValueAmountofDebtSecuritiesExceeds10PercentofStockholdersEquity" name="DebtSecuritiesFairValueAmountofDebtSecuritiesExceeds10PercentofStockholdersEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesGrossUnrealizedGain" name="DebtSecuritiesGrossUnrealizedGain" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DebtSecuritiesGrossUnrealizedLoss" name="DebtSecuritiesGrossUnrealizedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DeconsolidationTotalAssets" name="DeconsolidationTotalAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DeconsolidationTotalLiabilities" name="DeconsolidationTotalLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DeferredTaxAssetOperatingLossCarryforwardsBeforeFederalDeductions" name="DeferredTaxAssetOperatingLossCarryforwardsBeforeFederalDeductions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DeferredTaxAssetsOperatingLossCarryforwardsNetValuationAllowance" name="DeferredTaxAssetsOperatingLossCarryforwardsNetValuationAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DeferredTaxAssetsSecurityLoanandDebtValuations" name="DeferredTaxAssetsSecurityLoanandDebtValuations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DeferredTaxAssetsTaxCreditCarryforwardsNetValuationAllowance" name="DeferredTaxAssetsTaxCreditCarryforwardsNetValuationAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_DeferredTaxLiabilitiesLongTermBorrowings" name="DeferredTaxLiabilitiesLongTermBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DefinedBenefitPlanBenefitObligationIncreaseDecreaseFromChangeinMortalityAssumption" name="DefinedBenefitPlanBenefitObligationIncreaseDecreaseFromChangeinMortalityAssumption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanBenefitObligationIncreaseDecreaseFromChangeinWeightedAverageDiscountRates" name="DefinedBenefitPlanBenefitObligationIncreaseDecreaseFromChangeinWeightedAverageDiscountRates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_DefinedBenefitPlanChangeinFairValueofPlanAssetsLevel3ReconciliationRollForward" name="DefinedBenefitPlanChangeinFairValueofPlanAssetsLevel3ReconciliationRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanCurtailmentsandSettlementsBenefitObligation" name="DefinedBenefitPlanCurtailmentsandSettlementsBenefitObligation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanDivestituresandSettlementsPlanAssets" name="DefinedBenefitPlanDivestituresandSettlementsPlanAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanFundedStatusofPlanExcludingProvisionforFutureSalaries" name="DefinedBenefitPlanFundedStatusofPlanExcludingProvisionforFutureSalaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DefinedBenefitPlanProvisionForFutureSalaries" name="DefinedBenefitPlanProvisionForFutureSalaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DefinedBenefitPlanRequisiteServicePeriod" name="DefinedBenefitPlanRequisiteServicePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanSettlementsandCurtailmentsPlanAssets" name="DefinedBenefitPlanSettlementsandCurtailmentsPlanAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanThresholdofHighestConsecutivePaidYears" name="DefinedBenefitPlanThresholdofHighestConsecutivePaidYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlanThresholdofYearsofEmployment" name="DefinedBenefitPlanThresholdofYearsofEmployment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansEffectof25BasisPointDeclineinDiscountRateonNetPeriodicBenefitCost" name="DefinedBenefitPlansEffectof25BasisPointDeclineinDiscountRateonNetPeriodicBenefitCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansEffectof25BasisPointDeclineinDiscountRateonNetPeriodicBenefitCostRecognizedinNextFiscalYear" name="DefinedBenefitPlansEffectof25BasisPointDeclineinDiscountRateonNetPeriodicBenefitCostRecognizedinNextFiscalYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansEffectof25BasisPointDeclineinExpectedReturnofPlanAssetsonNetPeriodicBenefitCost" name="DefinedBenefitPlansEffectof25BasisPointDeclineinExpectedReturnofPlanAssetsonNetPeriodicBenefitCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansEffectof25BasisPointDeclineinExpectedReturnofPlanAssetsonNetPeriodicBenefitCostRecognizedinNextFiscalYear" name="DefinedBenefitPlansEffectof25BasisPointDeclineinExpectedReturnofPlanAssetsonNetPeriodicBenefitCostRecognizedinNextFiscalYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansPercentageofPriorYearsMarketGainsLossesRecognizedEquallyOverFourYearPeriod" name="DefinedBenefitPlansPercentageofPriorYearsMarketGainsLossesRecognizedEquallyOverFourYearPeriod" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansPercentageofPriorYearsMarketGainsLossesRecognizedatNextMeasurementDate" name="DefinedBenefitPlansPercentageofPriorYearsMarketGainsLossesRecognizedatNextMeasurementDate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedBenefitPlansPercentageofUnrecognizedGainLossRecognizedDuringPeriod" name="DefinedBenefitPlansPercentageofUnrecognizedGainLossRecognizedDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedContributionPlanDividendPaymentstothePlan" name="DefinedContributionPlanDividendPaymentstothePlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DefinedContributionPlanNumberofCommonStockSharesHeldinPlan" name="DefinedContributionPlanNumberofCommonStockSharesHeldinPlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_DepreciationandAmortizationofPremiseImprovements" name="DepreciationandAmortizationofPremiseImprovements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_DerivativeFundingRiskValuationAdjustmentDerivativeAssets" name="DerivativeFundingRiskValuationAdjustmentDerivativeAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationFromOnetoThreeYears" name="DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationFromOnetoThreeYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationFromThreeToFiveYears" name="DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationFromThreeToFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationGreaterThanFiveYears" name="DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationGreaterThanFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationLessThanOneYear" name="DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjecttoMasterNettingArrangementExpirationLessThanOneYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityNotionalAmountExpirationFromOneToThreeYears" name="DerivativeLiabilityNotionalAmountExpirationFromOneToThreeYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityNotionalAmountExpirationFromThreeToFiveYears" name="DerivativeLiabilityNotionalAmountExpirationFromThreeToFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityNotionalAmountExpirationLessThanOneYear" name="DerivativeLiabilityNotionalAmountExpirationLessThanOneYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeLiabilityNotionalAmountGreaterThanFiveYears" name="DerivativeLiabilityNotionalAmountGreaterThanFiveYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeNetLiabilityPositionEffectofDowngradebyOneIncrementalNotchAggregateFairValueIncludingTriggeringCircumstance" name="DerivativeNetLiabilityPositionEffectofDowngradebyOneIncrementalNotchAggregateFairValueIncludingTriggeringCircumstance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_DerivativeNetLiabilityPositionEffectofDowngradebySecondIncrementalNotchAggregateFairValueIncludingTriggeringCircumstance" name="DerivativeNetLiabilityPositionEffectofDowngradebySecondIncrementalNotchAggregateFairValueIncludingTriggeringCircumstance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_DirectandIndirectFinancingReceivableMember" name="DirectandIndirectFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationChangesinPriorPeriodUnrealizedTaxBenefitsIncludingInterestAmount" name="EffectiveIncomeTaxRateReconciliationChangesinPriorPeriodUnrealizedTaxBenefitsIncludingInterestAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationChangesinPriorPeriodUnrealizedTaxBenefitsIncludingInterestPercent" name="EffectiveIncomeTaxRateReconciliationChangesinPriorPeriodUnrealizedTaxBenefitsIncludingInterestPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferentialIncludingRepatriationofForeignEarningsAmount" name="EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferentialIncludingRepatriationofForeignEarningsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferentialIncludingRepatriationofForeignEarningsPercent" name="EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferentialIncludingRepatriationofForeignEarningsPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationLeveragedLeaseTaxDifferentialAmount" name="EffectiveIncomeTaxRateReconciliationLeveragedLeaseTaxDifferentialAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationLeveragedLeaseTaxDifferentialPercent" name="EffectiveIncomeTaxRateReconciliationLeveragedLeaseTaxDifferentialPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationNonU.S.StatutoryRateReductionsAmount" name="EffectiveIncomeTaxRateReconciliationNonU.S.StatutoryRateReductionsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_EffectiveIncomeTaxRateReconciliationNonU.S.StatutoryRateReductionsPercent" name="EffectiveIncomeTaxRateReconciliationNonU.S.StatutoryRateReductionsPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_EmployeeRetirementProtectionMember" name="EmployeeRetirementProtectionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EmployeeServiceSharebasedCompensationNonvestedAwardsCompensationCostNotyetRecognizedPeriodforRecognitionMaximum" name="EmployeeServiceSharebasedCompensationNonvestedAwardsCompensationCostNotyetRecognizedPeriodforRecognitionMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EndorsingOrganizationAgreementsTermMaximum" name="EndorsingOrganizationAgreementsTermMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EndorsingOrganizationAgreementsTermMinimum" name="EndorsingOrganizationAgreementsTermMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_EquityCommingledMutualFundsMember" name="EquityCommingledMutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_EquityMethodInvestmentRealizedGainLossOnDisposalNetofTax" name="EquityMethodInvestmentRealizedGainLossOnDisposalNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_ExcessCarryingValueofthePreferredStockandTrustPreferredSecuritiesOverCommonStockIssuedinExchange" name="ExcessCarryingValueofthePreferredStockandTrustPreferredSecuritiesOverCommonStockIssuedinExchange" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ExchangeAgreementsMember" name="ExchangeAgreementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ExternalProgramsMember" name="ExternalProgramsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueAssetsLiabilitesandNetDerivativeAssetLiabilityMeasuredonRecurringBasisChangeinUnrealizedGainLoss" name="FairValueAssetsLiabilitesandNetDerivativeAssetLiabilityMeasuredonRecurringBasisChangeinUnrealizedGainLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FairValueAssetsMeasuredOnRecurringBasisGainLossIncludedInEarningsLineItems" name="FairValueAssetsMeasuredOnRecurringBasisGainLossIncludedInEarningsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FairValueAssetsMeasuredOnRecurringBasisGainLossIncludedInEarningsTable" name="FairValueAssetsMeasuredOnRecurringBasisGainLossIncludedInEarningsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputDuration" name="FairValueInputDuration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsCorrelation" name="FairValueInputsCorrelation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsCorrelationInterestRateToInterestRate" name="FairValueInputsCorrelationInterestRateToInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsCorrelationOfForeignExchangeRatesToInterestRates" name="FairValueInputsCorrelationOfForeignExchangeRatesToInterestRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsCostToSell" name="FairValueInputsCostToSell" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsCreditCorrelation" name="FairValueInputsCreditCorrelation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsEquityCorrelation" name="FairValueInputsEquityCorrelation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsLongDatedInflationRates" name="FairValueInputsLongDatedInflationRates" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsLongdatedInflationRateVolatilities" name="FairValueInputsLongdatedInflationRateVolatilities" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsNaturalGasBasisCurve" name="FairValueInputsNaturalGasBasisCurve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsProbabilityofDefaultMeasurementPeriod" name="FairValueInputsProbabilityofDefaultMeasurementPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsProjectedTenderPriceToRefinancingLevel" name="FairValueInputsProjectedTenderPriceToRefinancingLevel" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsSpreadtoIndex" name="FairValueInputsSpreadtoIndex" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsUpfrontPoints" name="FairValueInputsUpfrontPoints" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueInputsYield" name="FairValueInputsYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueMeasuredOnRecurringBasisChangeInUnrealizedGainLossTableTextBlock" name="FairValueMeasuredOnRecurringBasisChangeInUnrealizedGainLossTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueMeasurementwithUnobservableInputsReconciliationRecurringBasisAssetTransfersBetweenAssetClasses" name="FairValueMeasurementwithUnobservableInputsReconciliationRecurringBasisAssetTransfersBetweenAssetClasses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FairValueOptionAbstract" name="FairValueOptionAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FairValueOptionAggregateDifferencesAssets" name="FairValueOptionAggregateDifferencesAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_FairValueOptionAggregateDifferencesLiabilities" name="FairValueOptionAggregateDifferencesLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_FairValueOptionContractualPrincipalOutstandingAssets" name="FairValueOptionContractualPrincipalOutstandingAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_FairValueOptionContractualPrincipalOutstandingLiabilities" name="FairValueOptionContractualPrincipalOutstandingLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_FairValueOptionFairValueCarryingAmountAssets" name="FairValueOptionFairValueCarryingAmountAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_FairValueOptionFairValueCarryingAmountLiabilities" name="FairValueOptionFairValueCarryingAmountLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_FairValueOptionStructuredLiabilitiesChangesinFairValueGainLoss" name="FairValueOptionStructuredLiabilitiesChangesinFairValueGainLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalFundsSoldMember" name="FederalFundsSoldMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalFundsSoldSecuritiesBorrowedOrPurchasedUnderAgreementsToResellAndShortTermBorrowingsAbstract" name="FederalFundsSoldSecuritiesBorrowedOrPurchasedUnderAgreementsToResellAndShortTermBorrowingsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FederalFundsSoldSecuritiesBorrowedOrPurchasedUnderAgreementsToResellAndShortTermBorrowingsTableTextBlock" name="FederalFundsSoldSecuritiesBorrowedOrPurchasedUnderAgreementsToResellAndShortTermBorrowingsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalFundsSoldorPurchasedSecuritiesFinancingAgreementsandShortTermBorrowingsLineItems" name="FederalFundsSoldorPurchasedSecuritiesFinancingAgreementsandShortTermBorrowingsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalFundsSoldorPurchasedSecuritiesFinancingAgreementsandShortTermBorrowingsTable" name="FederalFundsSoldorPurchasedSecuritiesFinancingAgreementsandShortTermBorrowingsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalHomeLoanBankSettlementMember" name="FederalHomeLoanBankSettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalHousingAdministrationMember" name="FederalHousingAdministrationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalHousingFinanceAgencyFHFASettlementMember" name="FederalHousingFinanceAgencyFHFASettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalNationalMortgageAssociationCertificatesandObligationsFNMAandFederalHomeLoanMortgageCorporationCertificatesandObligationsFHLMCMember" name="FederalNationalMortgageAssociationCertificatesandObligationsFNMAandFederalHomeLoanMortgageCorporationCertificatesandObligationsFHLMCMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FederalNationalMortgageAssociationFnmaMember" name="FederalNationalMortgageAssociationFnmaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FeesandCommissionsMortgageBankingMember" name="FeesandCommissionsMortgageBankingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancialAdvisorCapitalAccumulationAwardPlanMember" name="FinancialAdvisorCapitalAccumulationAwardPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancialGuarantyInsuranceCompanyFGICSettlementMember" name="FinancialGuarantyInsuranceCompanyFGICSettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancialInstrumentPerformanceStatusAxis" name="FinancialInstrumentPerformanceStatusAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancialInstrumentPerformanceStatusDomain" name="FinancialInstrumentPerformanceStatusDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancialInstrumentsSubjecttoMandatoryRedemptionSettlementTermsLiquidation" name="FinancialInstrumentsSubjecttoMandatoryRedemptionSettlementTermsLiquidation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancialInstrumentsSubjecttoMandatoryRedemptionSettlementTermsShareValueAmountExchanged" name="FinancialInstrumentsSubjecttoMandatoryRedemptionSettlementTermsShareValueAmountExchanged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingProvidedForAssetBackedFinancingArrangementsPercentage" name="FinancingProvidedForAssetBackedFinancingArrangementsPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancingReceivableAcquiredwithDeterioratedCreditQualityAbstract" name="FinancingReceivableAcquiredwithDeterioratedCreditQualityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableAcquiredwithDeterioratedCreditQualityAllowanceAsPercentOfCarryingValue" name="FinancingReceivableAcquiredwithDeterioratedCreditQualityAllowanceAsPercentOfCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableAcquiredwithDeterioratedCreditQualityPercentageofTotalOutstanding" name="FinancingReceivableAcquiredwithDeterioratedCreditQualityPercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableCollectivelyEvaluatedForImpairmentAllowanceAsPercentOfCarryingValue" name="FinancingReceivableCollectivelyEvaluatedForImpairmentAllowanceAsPercentOfCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_FinancingReceivableCollectivelyEvaluatedforImpairmentAbstract" name="FinancingReceivableCollectivelyEvaluatedforImpairmentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableFixedPaymentPlanPeriodforLoansModified" name="FinancingReceivableFixedPaymentPlanPeriodforLoansModified" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancingReceivableIndividuallyEvaluatedforImpairmentAbstract" name="FinancingReceivableIndividuallyEvaluatedforImpairmentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableIndividuallyEvaluatedforImpairmentAllowanceasaPercentofCarryingValue" name="FinancingReceivableIndividuallyEvaluatedforImpairmentAllowanceasaPercentofCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableModificationSubsequentDefaultPercentExpectedtoBeinPaymentDefaultWithin12MonthsAfterModification" name="FinancingReceivableModificationSubsequentDefaultPercentExpectedtoBeinPaymentDefaultWithin12MonthsAfterModification" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableModificationsNumberofMissingPaymentsCausingDefault" name="FinancingReceivableModificationsNumberofMissingPaymentsCausingDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableModificationsPostModificationInterestRate" name="FinancingReceivableModificationsPostModificationInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableModificationsPostModificationUnpaidPrincipalBalance" name="FinancingReceivableModificationsPostModificationUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableModificationsPreModificationInterestRate" name="FinancingReceivableModificationsPreModificationInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableModificationsPrincipalForgiveness" name="FinancingReceivableModificationsPrincipalForgiveness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableModificationsRecordedInvestmentPercentofBalanceCurrentorLessThanThirtyDaysPastDue" name="FinancingReceivableModificationsRecordedInvestmentPercentofBalanceCurrentorLessThanThirtyDaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableModificationsSubsequentDefaultRecordedInvestmentNoLongerHeld" name="FinancingReceivableModificationsSubsequentDefaultRecordedInvestmentNoLongerHeld" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivablePeriodforPaymentDefaultafterModification" name="FinancingReceivablePeriodforPaymentDefaultafterModification" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancingReceivablePortfolioSegmentAxis" name="FinancingReceivablePortfolioSegmentAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FinancingReceivablePortfolioSegmentDomain" name="FinancingReceivablePortfolioSegmentDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestment30DaysorMorePastDue" name="FinancingReceivableRecordedInvestment30DaysorMorePastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestment30DaysorMorePastDuePercentageofTotalOutstanding" name="FinancingReceivableRecordedInvestment30DaysorMorePastDuePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestment30to59DaysPastDuePercentageofTotalOutstanding" name="FinancingReceivableRecordedInvestment30to59DaysPastDuePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestment30to89DaysPastDuePercentageofTotalOutstanding" name="FinancingReceivableRecordedInvestment30to89DaysPastDuePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestment60to90DaysPastDuePercentageofTotalOutstanding" name="FinancingReceivableRecordedInvestment60to90DaysPastDuePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestmentCurrentand1To29DaysPastDue" name="FinancingReceivableRecordedInvestmentCurrentand1To29DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestmentCurrentand1to29DaysPastDuePercentageofTotalOutstanding" name="FinancingReceivableRecordedInvestmentCurrentand1to29DaysPastDuePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_FinancingReceivableRecordedInvestmentEqualtoGreaterthan90DaysPastDuePercentageofTotalOutstanding" name="FinancingReceivableRecordedInvestmentEqualtoGreaterthan90DaysPastDuePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_FirstLienMortgagesMember" name="FirstLienMortgagesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FixedIncomeCommingledMutualFundsMember" name="FixedIncomeCommingledMutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FixedRateDebtMember" name="FixedRateDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FleetCapitalTrustFiveMember" name="FleetCapitalTrustFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FloatingRateDebtMember" name="FloatingRateDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FontainebleauLasVegasLitigationMember" name="FontainebleauLasVegasLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ForeclosedPropertiesFairValueDisclosure" name="ForeclosedPropertiesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_ForeignCurrencyDominatedDebtMember" name="ForeignCurrencyDominatedDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ForeignMember" name="ForeignMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ForeignSecuritiesMember" name="ForeignSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ForeignTaxCreditsMember" name="ForeignTaxCreditsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ForwardDatedRepurchaseandSecuritiesLendingAgreementsMember" name="ForwardDatedRepurchaseandSecuritiesLendingAgreementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ForwardDatedResaleandSecuritiesBorrowingAgreementsMember" name="ForwardDatedResaleandSecuritiesBorrowingAgreementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FullyInsuredLoansMember" name="FullyInsuredLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_FundingValuationGainLossonDerivativeAssetGross" name="FundingValuationGainLossonDerivativeAssetGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_FundingValuationGainLossonDerivativeAssetNet" name="FundingValuationGainLossonDerivativeAssetNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_FundingValuationGainLossonDerivativeLiabilityGross" name="FundingValuationGainLossonDerivativeLiabilityGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_FundingValuationGainLossonDerivativeLiabilityNet" name="FundingValuationGainLossonDerivativeLiabilityNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FurnitureAndEquipmentMember" name="FurnitureAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_FuturesAndForwardsMember" name="FuturesAndForwardsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_GainLossOnForeclosedProperties" name="GainLossOnForeclosedProperties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_GainLossOnLoansAndLeases" name="GainLossOnLoansAndLeases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_GainLossOnOtherAssets" name="GainLossOnOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_GainLossonExchangeofPreferredStockandTrustPreferredSecuritiesRecordedinIncome" name="GainLossonExchangeofPreferredStockandTrustPreferredSecuritiesRecordedinIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_GainLossonLoansHeldforsaleandSecuritizationFinancialAssetForWhichTransferisAccountedasSaleGainLossonSale" name="GainLossonLoansHeldforsaleandSecuritizationFinancialAssetForWhichTransferisAccountedasSaleGainLossonSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_GainsLossesOnLoansHeldForSale" name="GainsLossesOnLoansHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_GlobalBankingSegmentMember" name="GlobalBankingSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_GlobalMarketsSegmentMember" name="GlobalMarketsSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_GlobalWealthAndInvestmentManagementSegmentMember" name="GlobalWealthAndInvestmentManagementSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_GovernmentModificationsMember" name="GovernmentModificationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_GovernmentSponsoredEnterprisesMember" name="GovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_HeldtomaturitySecuritiesAverageYield" name="HeldtomaturitySecuritiesAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsNetCarryingAmount" name="HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsNetCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsNetCarryingAmountAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsNetCarryingAmountAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsNetCarryingAmountAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsNetCarryingAmountAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenNetCarryingAmount" name="HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenNetCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenNetCarryingAmountAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenNetCarryingAmountAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveNetCarryingAmount" name="HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveNetCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveNetCarryingAmountAverageYield" name="HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveNetCarryingAmountAverageYield" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_HeldtomaturitySecuritiesDebtMaturitiesRollingafterTenYearsNetCarryingAmount" name="HeldtomaturitySecuritiesDebtMaturitiesRollingafterTenYearsNetCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_HomeEquityPurchaseCreditImpairedFinancingReceivableMember" name="HomeEquityPurchaseCreditImpairedFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ImpairedFinancingReceivableInterestIncomeAccrualMethodandCashMethod" name="ImpairedFinancingReceivableInterestIncomeAccrualMethodandCashMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ImpairedFinancingReceivableInterestIncomeAccrualandCashBasisMethodAbstract" name="ImpairedFinancingReceivableInterestIncomeAccrualandCashBasisMethodAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ImpairedFinancingReceivablewithNoRelatedAllowanceInterestIncomeAccrualMethodandCashMethod" name="ImpairedFinancingReceivablewithNoRelatedAllowanceInterestIncomeAccrualMethodandCashMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_ImpairedFinancingReceivablewithRelatedAllowanceInterestIncomeAccrualMethodandCashMethod" name="ImpairedFinancingReceivablewithRelatedAllowanceInterestIncomeAccrualMethodandCashMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ImpairmentTypeAxis" name="ImpairmentTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ImpairmentTypeDomain" name="ImpairmentTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InRePaymentCardInterchangeFeeandMerchantDiscountAntiTrustLitigationInterchangeMember" name="InRePaymentCardInterchangeFeeandMerchantDiscountAntiTrustLitigationInterchangeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_IncomeInterestRateMember" name="IncomeInterestRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_IncomeLossfromContinuingOperationsafterIncomeLossFromSubsidiariesNetofTax" name="IncomeLossfromContinuingOperationsafterIncomeLossFromSubsidiariesNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_IncomeLossfromContinuingOperationsbeforeIncomeLossFromSubsidiariesNetofTax" name="IncomeLossfromContinuingOperationsbeforeIncomeLossFromSubsidiariesNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_IncomeLossfromContinuingOperationsbeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterestFullTaxEquivalentBasis" name="IncomeLossfromContinuingOperationsbeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterestFullTaxEquivalentBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_IncomeTaxExpenseBenefitFullTaxEquivalentBasis" name="IncomeTaxExpenseBenefitFullTaxEquivalentBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_IncomeandMarketApproachTechniqueMember" name="IncomeandMarketApproachTechniqueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_IncreaseDecreaseinFinancialInstrumentsUsedinOperatingActivitiesandDerivativeAssets" name="IncreaseDecreaseinFinancialInstrumentsUsedinOperatingActivitiesandDerivativeAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_IncreaseDecreaseinFinancingActivitiesAbstract" name="IncreaseDecreaseinFinancingActivitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_IncreaseDecreaseinInvestingActivitiesAbstract" name="IncreaseDecreaseinInvestingActivitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_IncreaseDecreaseinTimeDepositsandOtherShorttermInvestments" name="IncreaseDecreaseinTimeDepositsandOtherShorttermInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_IncreaseInCapitalRequiredForCapitalAdequacyToReachWellCapitalizedToRiskWeightedAssets" name="IncreaseInCapitalRequiredForCapitalAdequacyToReachWellCapitalizedToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_InstrumentsBackedByResidentialRealEstateAssetsMember" name="InstrumentsBackedByResidentialRealEstateAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestIncomeExpenseMember" name="InterestIncomeExpenseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_InterestIncomeExpenseNetFullTaxEquivalentBasis" name="InterestIncomeExpenseNetFullTaxEquivalentBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_InterestIncomefromSubsidiaries" name="InterestIncomefromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestRateAndForeignCurrencyRiskOnLongTermDebtMember" name="InterestRateAndForeignCurrencyRiskOnLongTermDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_InterestRateLockCommitmentsPolicyPolicyTextBlock" name="InterestRateLockCommitmentsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestRateRiskOnAvailableForSaleSecuritiesMember" name="InterestRateRiskOnAvailableForSaleSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestRateRiskOnLongTernDebtMember" name="InterestRateRiskOnLongTernDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestRateRiskOnVariableRatePortfoliosMember" name="InterestRateRiskOnVariableRatePortfoliosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestRateRiskonMortgageBankingIncomeMember" name="InterestRateRiskonMortgageBankingIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InterestRateandForeignCurrencyRiskonAssetLiabilityManagementActivitiesMember" name="InterestRateandForeignCurrencyRiskonAssetLiabilityManagementActivitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_InterestbearingDepositLiabilitiesDomesticFairValueDisclosure" name="InterestbearingDepositLiabilitiesDomesticFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_InternalCreditMetricsMember" name="InternalCreditMetricsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InternalInvestmentGradeMember" name="InternalInvestmentGradeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InternalNoninvestmentGradeMember" name="InternalNoninvestmentGradeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InternalProgramsMember" name="InternalProgramsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_InvestmentVehiclesMember" name="InvestmentVehiclesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_InvestmentsinSubsidiaries" name="InvestmentsinSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_JuniorLienHomeEquityFinancingReceivableMember" name="JuniorLienHomeEquityFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_JuniorLienMember" name="JuniorLienMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_KeyAssociateStockPlanMember" name="KeyAssociateStockPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LItigationSettlementInterestRate" name="LItigationSettlementInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LaborandRelatedExpenseMember" name="LaborandRelatedExpenseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LegacyAssetsandServicingPortfolioHomeEquityFinancingReceivableMember" name="LegacyAssetsandServicingPortfolioHomeEquityFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LegacyAssetsandServicingPortfolioResidentialFinancingReceivableMember" name="LegacyAssetsandServicingPortfolioResidentialFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LevelThreeChangesInUnrealizedGainsLossesRelatingToAssetsStillHeldAtReportingDateAbstract" name="LevelThreeChangesInUnrealizedGainsLossesRelatingToAssetsStillHeldAtReportingDateAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LevelThreeRealizedAndUnrealizedGainsLossesRelatedToAssetsIncludedInEarningsAbstract" name="LevelThreeRealizedAndUnrealizedGainsLossesRelatedToAssetsIncludedInEarningsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LeveragedLeaseTrustsMember" name="LeveragedLeaseTrustsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LienCategoryAxis" name="LienCategoryAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LienCategoryDomain" name="LienCategoryDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LifeInsuranceBookValueProtectionMember" name="LifeInsuranceBookValueProtectionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LimitedPartnershipsMember" name="LimitedPartnershipsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationLiabilityEstimate" name="LitigationLiabilityEstimate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementAmountTotalforGroupofDefendants" name="LitigationSettlementAmountTotalforGroupofDefendants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationSettlementDistributedtoClassMerchantsBasisPoints" name="LitigationSettlementDistributedtoClassMerchantsBasisPoints" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementDistributiontoClassMerchantsNumberofConsecutiveMonths" name="LitigationSettlementDistributiontoClassMerchantsNumberofConsecutiveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementExercisePriceofCommonStockReceivedasWarrants" name="LitigationSettlementExercisePriceofCommonStockReceivedasWarrants" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationSettlementFairMarketValueofNotesTransferred" name="LitigationSettlementFairMarketValueofNotesTransferred" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationSettlementLineofCreditProvided" name="LitigationSettlementLineofCreditProvided" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementMarketableSecuritiesReceived" name="LitigationSettlementMarketableSecuritiesReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationSettlementMortgageLoansRepurchased" name="LitigationSettlementMortgageLoansRepurchased" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationSettlementNumberOfInstitutionalInvestorsInSupportOfSettlementAgreement" name="LitigationSettlementNumberOfInstitutionalInvestorsInSupportOfSettlementAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LitigationSettlementNumberofOptOutSuits" name="LitigationSettlementNumberofOptOutSuits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofOptOutSuitsBroughtbyCardholders" name="LitigationSettlementNumberofOptOutSuitsBroughtbyCardholders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofOptOutSuitsNotYetFiled" name="LitigationSettlementNumberofOptOutSuitsNotYetFiled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofTrustsDefendantsDemandedComplaints" name="LitigationSettlementNumberofTrustsDefendantsDemandedComplaints" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofTrustsDefendantsMustDemandComplaintinNextThreeMonths" name="LitigationSettlementNumberofTrustsDefendantsMustDemandComplaintinNextThreeMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofTrustsDefendantsMustDemandComplaintsinNextSevenMonths" name="LitigationSettlementNumberofTrustsDefendantsMustDemandComplaintsinNextSevenMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofTrustsInvolvedInSettlementAgreement" name="LitigationSettlementNumberofTrustsInvolvedInSettlementAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementNumberofTrustsInvolvedInSettlementAgreementinwhichParentisNotTrustee" name="LitigationSettlementNumberofTrustsInvolvedInSettlementAgreementinwhichParentisNotTrustee" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LitigationSettlementPercentageofCommonStockReceivedasWarrants" name="LitigationSettlementPercentageofCommonStockReceivedasWarrants" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LoanRestructuringModificationAxis" name="LoanRestructuringModificationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LoanRestructuringModificationDomain" name="LoanRestructuringModificationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LoanRestructuringModificationNameAxis" name="LoanRestructuringModificationNameAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LoanRestructuringModificationNameDomain" name="LoanRestructuringModificationNameDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LoansAndLeasesMember" name="LoansAndLeasesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LoansAndLeasesReceivableNetReportedAmountExcludingLoansMeasuredAtFairValue" name="LoansAndLeasesReceivableNetReportedAmountExcludingLoansMeasuredAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_LoansHeldForSaleMember" name="LoansHeldForSaleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LoansReceivableFairValueDisclosureNetofAllowanceExcludingLeases" name="LoansReceivableFairValueDisclosureNetofAllowanceExcludingLeases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansReceivableFairValueDisclosurePercentageofTotalOutstanding" name="LoansReceivableFairValueDisclosurePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableAllowanceAsPercentageOfCarryingValue" name="LoansandLeasesReceivableAllowanceAsPercentageOfCarryingValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableLoansNoLongerOriginatedbyCorporation" name="LoansandLeasesReceivableLoansNoLongerOriginatedbyCorporation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableNetofDeferredIncomePercentageofTotalOutstanding" name="LoansandLeasesReceivableNetofDeferredIncomePercentageofTotalOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableNonperformingAmountDischargedMorethanTwelveMonthsPrior" name="LoansandLeasesReceivableNonperformingAmountDischargedMorethanTwelveMonthsPrior" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableNonperformingAmountDischargedMorethanTwentyFourMonthsPrior" name="LoansandLeasesReceivableNonperformingAmountDischargedMorethanTwentyFourMonthsPrior" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivablePercentageFromExitedBusinesses" name="LoansandLeasesReceivablePercentageFromExitedBusinesses" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableRefreshedLoantoValueHighValuePropertyValueThreshold" name="LoansandLeasesReceivableRefreshedLoantoValueHighValuePropertyValueThreshold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesReceivableSecuritiesBasedLendingOvercollateralized" name="LoansandLeasesReceivableSecuritiesBasedLendingOvercollateralized" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LoansandLeasesRepurchased" name="LoansandLeasesRepurchased" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_LongTermCreditProtectionAgreementsAmountCovered" name="LongTermCreditProtectionAgreementsAmountCovered" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_LongTermDebtExcludingSeniorStructuredNotesMember" name="LongTermDebtExcludingSeniorStructuredNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LongTermDepositsMember" name="LongTermDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LossContingencyAccrualAdditions" name="LossContingencyAccrualAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_LossContingencyAllegedProceedsReceivedfromIssuanceofPreferredStock" name="LossContingencyAllegedProceedsReceivedfromIssuanceofPreferredStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyLoansandLeasesReceivableNetofDeferredIncome" name="LossContingencyLoansandLeasesReceivableNetofDeferredIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyLossIncurredbyPlaintiff" name="LossContingencyLossIncurredbyPlaintiff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_LossContingencyMBSOfferingsSecuritiesPurchased" name="LossContingencyMBSOfferingsSecuritiesPurchased" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyNumberofCollateralizedResidentialMortgageBackedSecuritiesTrusts" name="LossContingencyNumberofCollateralizedResidentialMortgageBackedSecuritiesTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyNumberofCollateralizedTrusts" name="LossContingencyNumberofCollateralizedTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyNumberofMBSOfferings" name="LossContingencyNumberofMBSOfferings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_LossContingencyNumberofPartiallyInsuredResidentialMortgageBackedSecurities" name="LossContingencyNumberofPartiallyInsuredResidentialMortgageBackedSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyNumberofPartiallyInsuredResidentialMortgageBackedSecuritiesIssuedandUnderwrittenbyNonParties" name="LossContingencyNumberofPartiallyInsuredResidentialMortgageBackedSecuritiesIssuedandUnderwrittenbyNonParties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyNumberofPrivatePlacementIssuedandorUnderwritten" name="LossContingencyNumberofPrivatePlacementIssuedandorUnderwritten" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyNumberofProposedClassesofPurchasers" name="LossContingencyNumberofProposedClassesofPurchasers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyOfferingsAtIssueNumber" name="LossContingencyOfferingsAtIssueNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencySubsetofLoansandLeasesReceivableNetofDeferredIncome" name="LossContingencySubsetofLoansandLeasesReceivableNetofDeferredIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_LossContingencyUnpaidPrincipalBalance" name="LossContingencyUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_LutherClassActionLitigationMember" name="LutherClassActionLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MBIAInc.SettlementMember" name="MBIAInc.SettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MBNACapitalTrustBMember" name="MBNACapitalTrustBMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MarketableSecuritiesLineItems" name="MarketableSecuritiesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MarketableSecuritiesTable" name="MarketableSecuritiesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerchantProcessingServicersSponsoredEntitiesMember" name="MerchantProcessingServicersSponsoredEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_MerchantServicesEscrowDepositsHeldAsCollateralbySponsoredEntities" name="MerchantServicesEscrowDepositsHeldAsCollateralbySponsoredEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_MerchantServicesLossesRecordedbySponsoredEntities" name="MerchantServicesLossesRecordedbySponsoredEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerchantServicesMember" name="MerchantServicesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_MerchantServicesTransactionsProcessedAndSettledBySponsoredEntities" name="MerchantServicesTransactionsProcessedAndSettledBySponsoredEntities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerchantServicingJointVentureMember" name="MerchantServicingJointVentureMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerrillLynchCapitalTrustOneMember" name="MerrillLynchCapitalTrustOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerrillLynchCapitalTrustThreeMember" name="MerrillLynchCapitalTrustThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerrillLynchCapitalTrustTwoMember" name="MerrillLynchCapitalTrustTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerrillLynchPreferredCapitalTrustFiveMember" name="MerrillLynchPreferredCapitalTrustFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerrillLynchPreferredCapitalTrustFourMember" name="MerrillLynchPreferredCapitalTrustFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MerrillLynchPreferredCapitalTrustThreeMember" name="MerrillLynchPreferredCapitalTrustThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MoneyMarketAndInterestBearingCashMember" name="MoneyMarketAndInterestBearingCashMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MonolineMember" name="MonolineMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MontgomeryLitigationMember" name="MontgomeryLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageBackedSecuritiesAgencyCollateralizedMortgageObligationMember" name="MortgageBackedSecuritiesAgencyCollateralizedMortgageObligationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageBackedSecuritiesAgencyMember" name="MortgageBackedSecuritiesAgencyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageBankingIncomeLossMember" name="MortgageBankingIncomeLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_MortgageInsuranceNumberofOpenRescissionNotices" name="MortgageInsuranceNumberofOpenRescissionNotices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_MortgageInsuranceNumberofOpenRescissionNoticesFirstLienMortgages" name="MortgageInsuranceNumberofOpenRescissionNoticesFirstLienMortgages" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_MortgageInsuranceNumberofOpenRescissionNoticesOngoingLitigationForSecondLienMortgages" name="MortgageInsuranceNumberofOpenRescissionNoticesOngoingLitigationForSecondLienMortgages" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_MortgageLoanOriginationPeriodAxis" name="MortgageLoanOriginationPeriodAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageLoanOriginationPeriodDomain" name="MortgageLoanOriginationPeriodDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageLoansOriginated2009andPriorMember" name="MortgageLoansOriginated2009andPriorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageLoansOriginatedbetween2004and2008Member" name="MortgageLoansOriginatedbetween2004and2008Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_MortgageTradingLoansAndAssetBackedSecuritiesMember" name="MortgageTradingLoansAndAssetBackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NationsBankCapitalTrustThreeMember" name="NationsBankCapitalTrustThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NegotiatedExchangeAgreementInformationAxis" name="NegotiatedExchangeAgreementInformationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NegotiatedExchangeAgreementInformationDomain" name="NegotiatedExchangeAgreementInformationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NetDerivativeAssetsandOtherAssetsMember" name="NetDerivativeAssetsandOtherAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_NetIncomeLossAllocatedtoCommonShareholdersBasic" name="NetIncomeLossAllocatedtoCommonShareholdersBasic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NetInterestIncomeMember" name="NetInterestIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NonBankVariableInterestEntitiesMember" name="NonBankVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NonConvertiblePreferredStockAndTrustPreferredSecuritiesMember" name="NonConvertiblePreferredStockAndTrustPreferredSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NonUnitedStatesMember" name="NonUnitedStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_NonaccruingTroubledDebtRestructuringsExcludedFromNonperformingLoans" name="NonaccruingTroubledDebtRestructuringsExcludedFromNonperformingLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_NonbankCompaniesandRelatedSubsidiariesMember" name="NonbankCompaniesandRelatedSubsidiariesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NoncoreNonbankVariableInterestEntityMember" name="NoncoreNonbankVariableInterestEntityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_NoninterestExpenseExcludingAmortizationofIntangibleAssets" name="NoninterestExpenseExcludingAmortizationofIntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NoninterestIncomeOtherOperatingIncomeMember" name="NoninterestIncomeOtherOperatingIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NonperformingFinancialInstrumentsMember" name="NonperformingFinancialInstrumentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_NonqualifiedAndOtherPensionPlansMember" name="NonqualifiedAndOtherPensionPlansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_NotionalAmountOfLiquidityExposure" name="NotionalAmountOfLiquidityExposure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_NumberOfAtms" name="NumberOfAtms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_NumberOfBankingCenters" name="NumberOfBankingCenters" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_NumberOfOpenMortgageInsuranceRescissionNotices" name="NumberOfOpenMortgageInsuranceRescissionNotices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_NumberofJurisdictionsFiled" name="NumberofJurisdictionsFiled" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ODonnellLitigationMember" name="ODonnellLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OcalaInvestorLitigationMember" name="OcalaInvestorLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OffsettingAssetsAndLiabilitiesAbstract" name="OffsettingAssetsAndLiabilitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OpenorFutureCashFlowHedgesMaximumLengthofTimeoverWhichForecastedTransactionsHedged" name="OpenorFutureCashFlowHedgesMaximumLengthofTimeoverWhichForecastedTransactionsHedged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OperatingIncomeLossandBrokerageCommissionsandAssetManagementFeeRevenueMember" name="OperatingIncomeLossandBrokerageCommissionsandAssetManagementFeeRevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OperatingLossCarryforwardsValuationAllowanceBeforeFederalDeductions" name="OperatingLossCarryforwardsValuationAllowanceBeforeFederalDeductions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_Other1Member" name="Other1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherAssetBackFinancingArrangementMember" name="OtherAssetBackFinancingArrangementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherComprehensiveIncomeLossPensionandOtherPostretirementBenefitPlansAdjustmentExcludingFinalizationbeforeReclassificationAdjustmentsNetofTax" name="OtherComprehensiveIncomeLossPensionandOtherPostretirementBenefitPlansAdjustmentExcludingFinalizationbeforeReclassificationAdjustmentsNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherComprehensiveIncomeLossPensionandOtherPostretirementBenefitPlansAdjustmentExcludingFinalizationbeforeReclassificationAdjustmentsandTax" name="OtherComprehensiveIncomeLossPensionandOtherPostretirementBenefitPlansAdjustmentExcludingFinalizationbeforeReclassificationAdjustmentsandTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherComprehensiveIncomeLossPensionandOtherPostretirementBenefitPlansExcludingFinalizationbeforeReclassificationAdjustmentsTax" name="OtherComprehensiveIncomeLossPensionandOtherPostretirementBenefitPlansExcludingFinalizationbeforeReclassificationAdjustmentsTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleandWritedownOfSecuritiesBeforeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleandWritedownOfSecuritiesBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleandWritedownOfSecuritiesNetofTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleandWritedownOfSecuritiesNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleandWritedownOfSecuritiesTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleandWritedownOfSecuritiesTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherDebtJuniorSubordinatedNotesFixedMember" name="OtherDebtJuniorSubordinatedNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherDebtJuniorSubordinatedNotesFloatingMember" name="OtherDebtJuniorSubordinatedNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherDebtSecuritiesCarriedAtFairValue" name="OtherDebtSecuritiesCarriedAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_OtherDebtSecuritiesCarriedAtFairValueAmortizedCost" name="OtherDebtSecuritiesCarriedAtFairValueAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_OtherDebtSecuritiesCarriedAtFairValueGrossUnrealizedGain" name="OtherDebtSecuritiesCarriedAtFairValueGrossUnrealizedGain" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_OtherDebtSecuritiesCarriedatFairValueAbstract" name="OtherDebtSecuritiesCarriedatFairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherDebtSecuritiesCarriedatFairValueGrossUnrealizedLoss" name="OtherDebtSecuritiesCarriedatFairValueGrossUnrealizedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_OtherDebtSecuritiesCarriedatFairValueLineItems" name="OtherDebtSecuritiesCarriedatFairValueLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherDebtSecuritiesCarriedatFairValueRealizedGainsLosses" name="OtherDebtSecuritiesCarriedatFairValueRealizedGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherDebtSecuritiesCarriedatFairValueTable" name="OtherDebtSecuritiesCarriedatFairValueTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherDebtSecuritiesCarriedatFairValueUnrealizedGainsLosses" name="OtherDebtSecuritiesCarriedatFairValueUnrealizedGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherDebtSeniorNotesFixedMember" name="OtherDebtSeniorNotesFixedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherDebtSeniorNotesFloatingMember" name="OtherDebtSeniorNotesFloatingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherFinancingReceivablesMember" name="OtherFinancingReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherGuaranteesMember" name="OtherGuaranteesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherIncomeLossMember" name="OtherIncomeLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherInternalCreditMetricsMember" name="OtherInternalCreditMetricsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherLoanAndReceivableMember" name="OtherLoanAndReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherLoansMember" name="OtherLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherLongTermDebtMember" name="OtherLongTermDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherModificationsMember" name="OtherModificationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherProductTypeMember" name="OtherProductTypeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherProgramMember" name="OtherProgramMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherTaxableSecuritiesMember" name="OtherTaxableSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherThanTemporarilyImpairedMember" name="OtherThanTemporarilyImpairedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherVariableInterestEntitiesMember" name="OtherVariableInterestEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherVariableInterestEntityInvestmentVehicleMember" name="OtherVariableInterestEntityInvestmentVehicleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_OtherVariousInvestmentsMember" name="OtherVariousInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherthanTemporaryImpairmentCreditLossesRecognizedinEarningsReductions" name="OtherthanTemporaryImpairmentCreditLossesRecognizedinEarningsReductions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_OtherthanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecuritiesPortionRecognizedinEarningsNetQualitativeDisclosuresLifeDefaultRate" name="OtherthanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecuritiesPortionRecognizedinEarningsNetQualitativeDisclosuresLifeDefaultRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_OtherthanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecuritiesPortionRecognizedinEarningsNetQualitativeDisclosuresLossSeverity" name="OtherthanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecuritiesPortionRecognizedinEarningsNetQualitativeDisclosuresLossSeverity" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_OtherthanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecuritiesPortionRecognizedinEarningsNetQualitativeDisclosuresPrepaymentSpeed" name="OtherthanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecuritiesPortionRecognizedinEarningsNetQualitativeDisclosuresPrepaymentSpeed" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_OutstandingClaimsByCategoryAndProductTableTextBlock" name="OutstandingClaimsByCategoryAndProductTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ParticipantLoansMember" name="ParticipantLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PayOptionMember" name="PayOptionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PayablestoSubsidiaries" name="PayablestoSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_PaymentProtectionInsuranceMember" name="PaymentProtectionInsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PaymentsIncludedInExchangeOfPreferredStockAndTrustPreferredSecuritiesForCommonStock" name="PaymentsIncludedInExchangeOfPreferredStockAndTrustPreferredSecuritiesForCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_PaymentsforProceedsfromSubsidiaries" name="PaymentsforProceedsfromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_PaymentstoAcquireDebtSecuritiesCarriedatFairValue" name="PaymentstoAcquireDebtSecuritiesCarriedatFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_PerformancebyGeographicalAreaDisclosureTextBlock" name="PerformancebyGeographicalAreaDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PersonalPropertySecuredLoansMember" name="PersonalPropertySecuredLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PolicemensAnnuityLitigationMember" name="PolicemensAnnuityLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PostretirementHealthCoverageandLifeInsuranceMember" name="PostretirementHealthCoverageandLifeInsuranceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PredecessorCompanyPlansAssumedInMergersMember" name="PredecessorCompanyPlansAssumedInMergersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockConvertibleThresholdConsecutiveTradingDays" name="PreferredStockConvertibleThresholdConsecutiveTradingDays" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockConvertibleThresholdPercentageofCommonStockClosingPrice" name="PreferredStockConvertibleThresholdPercentageofCommonStockClosingPrice" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockConvertibleThresholdTradingDays" name="PreferredStockConvertibleThresholdTradingDays" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockDividendRate.BasisSpreadonVariableRateMinimumRateperAnnum" name="PreferredStockDividendRate.BasisSpreadonVariableRateMinimumRateperAnnum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockDividendRateBasisSpreadonVariableRate" name="PreferredStockDividendRateBasisSpreadonVariableRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PreferredStockExchangesTable" name="PreferredStockExchangesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PreferredStockExcludingSeriesTPreferredMember" name="PreferredStockExcludingSeriesTPreferredMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockRedeemableandNonRedeemableValue" name="PreferredStockRedeemableandNonRedeemableValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_PreferredStockRedeemableandNonRedeemableValueAdjustments" name="PreferredStockRedeemableandNonRedeemableValueAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_PreferredStockRedeemableandNonRedeemableValueBeforeAdjustments" name="PreferredStockRedeemableandNonRedeemableValueBeforeAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_PreferredStockSeriesHJ67and8Member" name="PreferredStockSeriesHJ67and8Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PreferredStockTerminationOfVotingRightsDividendPaidNumberOfQuarterlyPeriods" name="PreferredStockTerminationOfVotingRightsDividendPaidNumberOfQuarterlyPeriods" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_PreferredStockTerminationOfVotingRightsDividendPaidNumberOfSemiAnnualPeriods" name="PreferredStockTerminationOfVotingRightsDividendPaidNumberOfSemiAnnualPeriods" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_PreferredStockVotingRightsDividendPayableNumberOfQuarterlyPeriodsInArrears" name="PreferredStockVotingRightsDividendPayableNumberOfQuarterlyPeriodsInArrears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_PreferredStockVotingRightsDividendPayableNumberOfSemiAnnualPeriodsInArrears" name="PreferredStockVotingRightsDividendPayableNumberOfSemiAnnualPeriodsInArrears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_PreferredStockVotingRightsDividendsInArrearsNumberOfAdditionalDirectorsToBeElected" name="PreferredStockVotingRightsDividendsInArrearsNumberOfAdditionalDirectorsToBeElected" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_PriceRiskonRestrictedStockAwardsMember" name="PriceRiskonRestrictedStockAwardsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrimeLoansMember" name="PrimeLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrimeMember" name="PrimeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_PrincipalAmountThatWouldBePayableToSecuritizationVehiclesUnderRepurchaseOption" name="PrincipalAmountThatWouldBePayableToSecuritizationVehiclesUnderRepurchaseOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_PrincipalInterestForbearanceMember" name="PrincipalInterestForbearanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrincipalInvestmentGainsLossesMember" name="PrincipalInvestmentGainsLossesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrivateLabelInvestorsMember" name="PrivateLabelInvestorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrivateLabelSecuritizationTrusteesMember" name="PrivateLabelSecuritizationTrusteesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrivateLabelSecuritizationTrusteesWholeLoanInvestorsAndTheGovernmentSponsoredEnterprisesMember" name="PrivateLabelSecuritizationTrusteesWholeLoanInvestorsAndTheGovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrivateLabelSecuritizationTrusteesWholeLoanInvestorsIncludingThirdPartySponsorsandOtherMember" name="PrivateLabelSecuritizationTrusteesWholeLoanInvestorsIncludingThirdPartySponsorsandOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrivateRealEstateMember" name="PrivateRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ProceedsfromMaturitiesPrepaymentsandCallsofDebtSecuritiesFairValue" name="ProceedsfromMaturitiesPrepaymentsandCallsofDebtSecuritiesFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ProceedsfromRepaymentsofOtherAdvances" name="ProceedsfromRepaymentsofOtherAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ProceedsfromSaleofDebtSecuritiesFairValue" name="ProceedsfromSaleofDebtSecuritiesFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ProceedsfromSalesandPaydownsofLoansOriginallyClassifiedasHeldforSale" name="ProceedsfromSalesandPaydownsofLoansOriginallyClassifiedasHeldforSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ProprietaryModificationsMember" name="ProprietaryModificationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ProvisionforLoanLeaseandOtherLossesMember" name="ProvisionforLoanLeaseandOtherLossesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PrudentialInsuranceLitigationMember" name="PrudentialInsuranceLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PublicRealEstateInvestmentTrustsMember" name="PublicRealEstateInvestmentTrustsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PurchasedCreditCardRelationshipsMember" name="PurchasedCreditCardRelationshipsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_PurchasedCreditCardandAffinityRelationshipsMember" name="PurchasedCreditCardandAffinityRelationshipsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_QualifiedPensionPlansMember" name="QualifiedPensionPlansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_QualitativeandQuantitativeInformationTransferorsContinuingInvolvementLiquidityCommitment" name="QualitativeandQuantitativeInformationTransferorsContinuingInvolvementLiquidityCommitment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_QualitativeandQuantitativeInformationTransferorsContinuingInvolvementRemainingLifeofBondsHeldinTrust" name="QualitativeandQuantitativeInformationTransferorsContinuingInvolvementRemainingLifeofBondsHeldinTrust" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RealEstateCommingledMutualFundsMember" name="RealEstateCommingledMutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RealEstateLoanMember" name="RealEstateLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RealEstateVehiclesMember" name="RealEstateVehiclesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ReceivablesAcquiredwithDeterioratedCreditQualityAxis" name="ReceivablesAcquiredwithDeterioratedCreditQualityAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ReceivablesAcquiredwithDeterioratedCreditQualityDomain" name="ReceivablesAcquiredwithDeterioratedCreditQualityDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ReceivablesAcquiredwithDeterioratedCreditQualityMember" name="ReceivablesAcquiredwithDeterioratedCreditQualityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ReceivablesFromSubsidiaries" name="ReceivablesFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_RefreshedFICOScoreGreaterThanOrEqualTo740Member" name="RefreshedFICOScoreGreaterThanOrEqualTo740Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedFICOScoreLessThan620Member" name="RefreshedFICOScoreLessThan620Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedFICOScorebetween620and680Member" name="RefreshedFICOScorebetween620and680Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedFICOScorebetween680and740Member" name="RefreshedFICOScorebetween680and740Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedFICOorInternalCreditMetricMember" name="RefreshedFICOorInternalCreditMetricMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedFicoScoreOtherInternalCreditMetricsMember" name="RefreshedFicoScoreOtherInternalCreditMetricsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedLoanToValueGreaterThanHundredPercentMember" name="RefreshedLoanToValueGreaterThanHundredPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedLoanToValueGreaterThanNinetyPercentButLessThanOrEqualToHundredPercentMember" name="RefreshedLoanToValueGreaterThanNinetyPercentButLessThanOrEqualToHundredPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RefreshedLoanToValueLessThanOrEqualToNinetyPercentMember" name="RefreshedLoanToValueLessThanOrEqualToNinetyPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_RepresentationsAndWarrantiesObligationsAndCorporateGuaranteesTextBlock" name="RepresentationsAndWarrantiesObligationsAndCorporateGuaranteesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RepresentationsandWarrantiesExposureMember" name="RepresentationsandWarrantiesExposureMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_RepresentationsandWarrantiesInactiveStatusAbsenceofCommunicationPeriod" name="RepresentationsandWarrantiesInactiveStatusAbsenceofCommunicationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RepresentationsandWarrantiesObligationsandCorporateGuaranteesAbstract" name="RepresentationsandWarrantiesObligationsandCorporateGuaranteesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RepresentationsandWarrantiesObligationsandCorporateGuaranteesMember" name="RepresentationsandWarrantiesObligationsandCorporateGuaranteesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_RepresentationsandWarrantiesSettlementPeriodAfterBreach" name="RepresentationsandWarrantiesSettlementPeriodAfterBreach" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedSecuritiesLoanedandShortTermBorrowingsDisclosureTextBlock" name="RepurchaseAgreementsResaleAgreementsSecuritiesBorrowedSecuritiesLoanedandShortTermBorrowingsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ResecuritizationTrustsMember" name="ResecuritizationTrustsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ResidentialMortgagePurchaseCreditImpairedFinancingReceivableMember" name="ResidentialMortgagePurchaseCreditImpairedFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ResidentialMortgagebackedSecuritiesIssuedbyPrivateEnterprisesMember" name="ResidentialMortgagebackedSecuritiesIssuedbyPrivateEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ResidentialMortgagebackedSecuritiesIssuedbyUSGovernmentSponsoredEnterprisesMember" name="ResidentialMortgagebackedSecuritiesIssuedbyUSGovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_ResidentialReverseMortgageServicingRightsMember" name="ResidentialReverseMortgageServicingRightsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RestrictedStockandRestrictedStockUnitsMember" name="RestrictedStockandRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ReturnOfCapitalPaidToParentCompanyByConsolidatedSubsidiaries" name="ReturnOfCapitalPaidToParentCompanyByConsolidatedSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_RevenuesNetofInterestExpenseFullTaxEquivalentBasis" name="RevenuesNetofInterestExpenseFullTaxEquivalentBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RiskRatingsPassRatedMember" name="RiskRatingsPassRatedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_RiskRatingsReservableCriticizedMember" name="RiskRatingsReservableCriticizedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_RollforwardOfLiabilityForRepresentationsAndWarrantiesTableTextBlock" name="RollforwardOfLiabilityForRepresentationsAndWarrantiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleOfOtherDebtSecuritiesCarriedAtFairValueTableTextBlock" name="ScheduleOfOtherDebtSecuritiesCarriedAtFairValueTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofAdditionalCollateralRequiredUponDowngradeTableTextBlock" name="ScheduleofAdditionalCollateralRequiredUponDowngradeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofAmountsRecognizedinAccumulatedOtherComprehensiveIncomeTableTextBlock" name="ScheduleofAmountsRecognizedinAccumulatedOtherComprehensiveIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofContractualMaturitiesofTimeDeposits100000orMoreTableTextBlock" name="ScheduleofContractualMaturitiesofTimeDeposits100000orMoreTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofCreditExtensionCommitmentExpirationsTableTextBlock" name="ScheduleofCreditExtensionCommitmentExpirationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofDerivativeLiabilitiesSubjecttoUnilateralTerminationUponDowngradeTableTextBlock" name="ScheduleofDerivativeLiabilitiesSubjecttoUnilateralTerminationUponDowngradeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofLoanRepurchasesandIndemnificationPaymentsTableTextBlock" name="ScheduleofLoanRepurchasesandIndemnificationPaymentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofMaturitiesforTimeDepositsTableTextBlock" name="ScheduleofMaturitiesforTimeDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ScheduleofOtherThanTemporaryImpairmentLossesQualitativeAssumptionsTableTextBlock" name="ScheduleofOtherThanTemporaryImpairmentLossesQualitativeAssumptionsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SecuritiesBasedLendingLoansMember" name="SecuritiesBasedLendingLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SecuritiesBorrowedandSecuritiesPurchasedUnderAgreementstoResellMember" name="SecuritiesBorrowedandSecuritiesPurchasedUnderAgreementstoResellMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SecuritiesBorrowedorPurchasedUnderAgreementstoResellMember" name="SecuritiesBorrowedorPurchasedUnderAgreementstoResellMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiability" name="SecuritiesFinancingAgreementsLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_SecuritiesFinancingAgreementsLiabilityAbstract" name="SecuritiesFinancingAgreementsLiabilityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityAmountOffsettAgainstCollateral" name="SecuritiesFinancingAgreementsLiabilityAmountOffsettAgainstCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityAsset" name="SecuritiesFinancingAgreementsLiabilityAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityCollateralRighttoReclaimSecurities" name="SecuritiesFinancingAgreementsLiabilityCollateralRighttoReclaimSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityGross" name="SecuritiesFinancingAgreementsLiabilityGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityOther" name="SecuritiesFinancingAgreementsLiabilityOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_SecuritiesFinancingAgreementsLiabilityOtherAbstract" name="SecuritiesFinancingAgreementsLiabilityOtherAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityOtherAmountOffsetAgainstCollateral" name="SecuritiesFinancingAgreementsLiabilityOtherAmountOffsetAgainstCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityOtherAsset" name="SecuritiesFinancingAgreementsLiabilityOtherAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityOtherCollateralRighttoReclaimSecurities" name="SecuritiesFinancingAgreementsLiabilityOtherCollateralRighttoReclaimSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesFinancingAgreementsLiabilityOtherGross" name="SecuritiesFinancingAgreementsLiabilityOtherGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_SecuritiesLoanedandFinancialAssetsSoldUnderAgreementstoRepurchaseMember" name="SecuritiesLoanedandFinancialAssetsSoldUnderAgreementstoRepurchaseMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowed" name="SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedAbstract" name="SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedAmountOffsetAgainstCollateral" name="SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedAmountOffsetAgainstCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedCollateralObligationtoReturnSecurities" name="SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedCollateralObligationtoReturnSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedGross" name="SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedLiability" name="SecuritiesPurchasedunderAgreementstoResellSecuritiesBorrowedLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoaned" name="SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoaned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedAmountOffsetAgainstCollateral" name="SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedAmountOffsetAgainstCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedAsset" name="SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedCollateralRighttoReclaimSecurities" name="SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedCollateralRighttoReclaimSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedGross" name="SecuritiesSoldunderAgreementstoRepurchaseSecuritiesLoanedGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_SecuritiesSoldunderAgreementstoResellSecuritiesLoanedAbstract" name="SecuritiesSoldunderAgreementstoResellSecuritiesLoanedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SecuritizationsMember" name="SecuritizationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SegmentReconcilingItemsAssetandLiabilityManagementActivitiesMember" name="SegmentReconcilingItemsAssetandLiabilityManagementActivitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SegmentReconcilingItemsEquityInvestmentIncomeLossMember" name="SegmentReconcilingItemsEquityInvestmentIncomeLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SegmentReconcilingItemsFullyTaxableEquivalentBasisAdjustmentMember" name="SegmentReconcilingItemsFullyTaxableEquivalentBasisAdjustmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SegmentReconcilingItemsLiquidatingBusinessesandOtherMember" name="SegmentReconcilingItemsLiquidatingBusinessesandOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeniorLienMember" name="SeniorLienMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof100BasisPointsDecreaseinOptionAdjustedSpread" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof100BasisPointsDecreaseinOptionAdjustedSpread" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof100BasisPointsIncreaseinOptionAdjustedSpread" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof100BasisPointsIncreaseinOptionAdjustedSpread" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof10PercentDecreaseinPrepaymentWeightedAverageLife" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof10PercentDecreaseinPrepaymentWeightedAverageLife" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof10PercentIncreaseinPrepaymentWeightedAverageLife" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof10PercentIncreaseinPrepaymentWeightedAverageLife" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof200BasisPointsDecreaseinOptionAdjustedSpread" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof200BasisPointsDecreaseinOptionAdjustedSpread" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof200BasisPointsIncreaseinOptionAdjustedSpread" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof200BasisPointsIncreaseinOptionAdjustedSpread" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof20PercentDecreaseinPrepaymentWeightedAverageLife" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof20PercentDecreaseinPrepaymentWeightedAverageLife" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof20PercentIncreaseinPrepaymentWeightedAverageLife" name="SensitivityAnalysisofFairValueTransferorsInterestinTransferredFinancialAssetsImpactof20PercentIncreaseinPrepaymentWeightedAverageLife" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentDecreaseinPrepaymentSpeed" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentDecreaseinPrepaymentSpeed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentIncreaseinPrepaymentSpeed" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentIncreaseinPrepaymentSpeed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentDecreaseinPrepaymentSpeed" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentDecreaseinPrepaymentSpeed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentIncreaseinPrepaymentSpeed" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentIncreaseinPrepaymentSpeed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_Series1PreferredStockMember" name="Series1PreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_Series2PreferredStockMember" name="Series2PreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_Series3PreferredStockMember" name="Series3PreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_Series4PreferredStockMember" name="Series4PreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_Series5PreferredStockMember" name="Series5PreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesFandGPreferredStockMember" name="SeriesFandGPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesKPreferredStockMember" name="SeriesKPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesLPreferredStockMember" name="SeriesLPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesMPreferredStockMember" name="SeriesMPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesTPreferredStockMember" name="SeriesTPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesUPreferredStockMember" name="SeriesUPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesVPreferredStockMember" name="SeriesVPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesVXWandZPreferredStockMember" name="SeriesVXWandZPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesWPreferredStockMember" name="SeriesWPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesXPreferredStockMember" name="SeriesXPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesXWZPreferredStockMember" name="SeriesXWZPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesYPreferredStockMember" name="SeriesYPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SeriesZPreferredStockMember" name="SeriesZPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueAmortizationofExpectedCashFlows" name="ServicingAssetAtFairValueAmortizationofExpectedCashFlows" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsHomePriceIndex" name="ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsHomePriceIndex" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsInterestRatesandOtherMarketFactors" name="ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsInterestRatesandOtherMarketFactors" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsOptionAdjustedSpread" name="ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsOptionAdjustedSpread" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsPrepaymentModel" name="ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsPrepaymentModel" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsProjectedCashFlowIncludingChangesinCoststoServiceLoans" name="ServicingAssetAtFairValueChangesinFairValueResultingfromChangesinValuationInputsProjectedCashFlowIncludingChangesinCoststoServiceLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ServicingAssetAtFairValueForInvestors" name="ServicingAssetAtFairValueForInvestors" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_SharebasedCompensationArrangementbySharebasedPaymentAwardNumberofVestingInstallments" name="SharebasedCompensationArrangementbySharebasedPaymentAwardNumberofVestingInstallments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_SharebasedCompensationArrangementbySharebasedPaymentAwardRequisitePeriodfromGrantDatepriortoVesting" name="SharebasedCompensationArrangementbySharebasedPaymentAwardRequisitePeriodfromGrantDatepriortoVesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ShorttermDebtAverageOutstandingRate" name="ShorttermDebtAverageOutstandingRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ShorttermInvestmentsAverageOutstandingAmount" name="ShorttermInvestmentsAverageOutstandingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ShorttermInvestmentsAverageOutstandingRate" name="ShorttermInvestmentsAverageOutstandingRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ShorttermInvestmentsMaximumMonthendOutstandingAmount" name="ShorttermInvestmentsMaximumMonthendOutstandingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_ShorttermInvestmentsWeightedAverageInterestRate" name="ShorttermInvestmentsWeightedAverageInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_SmallBusinessCommercialLoanMember" name="SmallBusinessCommercialLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SmallBusinessFinancingReceivableMember" name="SmallBusinessFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SponsorsofThirdPartySecuritizationsMember" name="SponsorsofThirdPartySecuritizationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SpotFuturesAndForwardsMember" name="SpotFuturesAndForwardsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_StockIssuedDuringPeriodSharesExchangeofStock" name="StockIssuedDuringPeriodSharesExchangeofStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_StockIssuedDuringPeriodValueExchangeofStock" name="StockIssuedDuringPeriodValueExchangeofStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_StocksettledRestrictedStockandRestrictedStockUnitsMember" name="StocksettledRestrictedStockandRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_StudentLoanMember" name="StudentLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_StudentLoansMember" name="StudentLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SubordinatedDebtandSeniorNotesMember" name="SubordinatedDebtandSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SubprimeLoanMember" name="SubprimeLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SubprimeMember" name="SubprimeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SubsidiariesBankofAmericaCaliforniaN.A.Member" name="SubsidiariesBankofAmericaCaliforniaN.A.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SubsidiariesBankofAmericaN.A.Member" name="SubsidiariesBankofAmericaN.A.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SubsidiariesFIACardServicesN.A.Member" name="SubsidiariesFIACardServicesN.A.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_SyncoraHoldingsLtdSettlementMember" name="SyncoraHoldingsLtdSettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TakefujiSettlementMember" name="TakefujiSettlementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TaxExemptSecuritiesMember" name="TaxExemptSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TaxableSecuritiesMember" name="TaxableSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TemporarilyImpairedMember" name="TemporarilyImpairedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TerminatedCashFlowHedgesLengthofTimeOverWhichForecastedTransactionsAreSubstantiallyHedged" name="TerminatedCashFlowHedgesLengthofTimeOverWhichForecastedTransactionsAreSubstantiallyHedged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TerminatedCashFlowHedgesMaximumLengthOfTimeOverWhichForecastedTransactionsAreHedged" name="TerminatedCashFlowHedgesMaximumLengthOfTimeOverWhichForecastedTransactionsAreHedged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TheOfficeoftheComptrolleroftheCurrencyLitigationMember" name="TheOfficeoftheComptrolleroftheCurrencyLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodPastDueafterModificationofFinancingReceivable" name="ThresholdPeriodPastDueafterModificationofFinancingReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodPastDueforNonperformingStatusofFinancingReceivables" name="ThresholdPeriodPastDueforNonperformingStatusofFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodPastDueforWriteoffofFinancingReceivableafterPlacedonFixedPaymentPlan" name="ThresholdPeriodPastDueforWriteoffofFinancingReceivableafterPlacedonFixedPaymentPlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodPastDueforWriteoffofRenegotiatedFinancingReceivablePlacedonaFixedPaymentPlan" name="ThresholdPeriodPastDueforWriteoffofRenegotiatedFinancingReceivablePlacedonaFixedPaymentPlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodUncollectedFeesforWriteoffonCardReceivables" name="ThresholdPeriodUncollectedFeesforWriteoffonCardReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodforUncollectedFeesforServiceChargesonCardReceivables" name="ThresholdPeriodforUncollectedFeesforServiceChargesonCardReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ThresholdPeriodofConsecutivePaymentstoRemovefromNonaccrualStatus" name="ThresholdPeriodofConsecutivePaymentstoRemovefromNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_Tier1CommonCapitalAbstract" name="Tier1CommonCapitalAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TierOneCommonCapital" name="TierOneCommonCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TierOneCommonCapitaltoRiskWeightedAssets" name="TierOneCommonCapitaltoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_TierOneCommonEquity" name="TierOneCommonEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TierOneCommonEquitytoRiskWeightedAssets" name="TierOneCommonEquitytoRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_TierOneRiskBasedEquityRequiredForCapitalAdequacyToRiskWeightedAssets" name="TierOneRiskBasedEquityRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_TimeDepositMaturitiesDomesticAbstract" name="TimeDepositMaturitiesDomesticAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TimeDepositMaturitiesDomesticNextTwelveMonths" name="TimeDepositMaturitiesDomesticNextTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesDomesticYearFive" name="TimeDepositMaturitiesDomesticYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesDomesticYearFour" name="TimeDepositMaturitiesDomesticYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesDomesticYearThree" name="TimeDepositMaturitiesDomesticYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesDomesticYearTwo" name="TimeDepositMaturitiesDomesticYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesDomesticafterYearFive" name="TimeDepositMaturitiesDomesticafterYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_TimeDepositMaturitiesForeignAbstract" name="TimeDepositMaturitiesForeignAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TimeDepositMaturitiesForeignNextTwelveMonths" name="TimeDepositMaturitiesForeignNextTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesForeignYearFive" name="TimeDepositMaturitiesForeignYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesForeignYearFour" name="TimeDepositMaturitiesForeignYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesForeignYearThree" name="TimeDepositMaturitiesForeignYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesForeignYearTwo" name="TimeDepositMaturitiesForeignYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositMaturitiesForeignafterYearFive" name="TimeDepositMaturitiesForeignafterYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDeposits100000orMoreDomesticOverThreeMonthstoTwelveMonths" name="TimeDeposits100000orMoreDomesticOverThreeMonthstoTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDeposits100000orMoreDomesticThreeMonthsorLess" name="TimeDeposits100000orMoreDomesticThreeMonthsorLess" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDeposits100000orMoreDomesticafter12Months" name="TimeDeposits100000orMoreDomesticafter12Months" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_TimeDeposits100000orMoreForeignAbstract" name="TimeDeposits100000orMoreForeignAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TimeDeposits100000orMoreForeignOverThreeMonthsToTwelveMonths" name="TimeDeposits100000orMoreForeignOverThreeMonthsToTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDeposits100000orMoreForeignThreeMonthsorLess" name="TimeDeposits100000orMoreForeignThreeMonthsorLess" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDeposits100000orMoreForeignafter12Months" name="TimeDeposits100000orMoreForeignafter12Months" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositsDomestic" name="TimeDepositsDomestic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositsForeign" name="TimeDepositsForeign" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_TimeDepositsandOtherShorttermInvestments" name="TimeDepositsandOtherShorttermInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_TradingDerivativesMember" name="TradingDerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TradingGainLossMember" name="TradingGainLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TradingInventoryOtherMember" name="TradingInventoryOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TransfersContinuingInvolvementServicingFeeAdvances" name="TransfersContinuingInvolvementServicingFeeAdvances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_TransfersOfFinancialAssetsAccountedForAsSaleInitialFairValueOfAssetsObtainedAsProceedsInPeriod" name="TransfersOfFinancialAssetsAccountedForAsSaleInitialFairValueOfAssetsObtainedAsProceedsInPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TrialModificationsMember" name="TrialModificationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_TrustCertificatesOutstanding" name="TrustCertificatesOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_TrustPreferredSecuritiesMember" name="TrustPreferredSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TypeofSubsidiaryAxis" name="TypeofSubsidiaryAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_TypeofSubsidiaryDomain" name="TypeofSubsidiaryDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_U.S.BankLitigationMember" name="U.S.BankLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_U.S.BankSummonseswithNoticeLitigationMember" name="U.S.BankSummonseswithNoticeLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_UnfundedEquityInvestmentCommitmentsMember" name="UnfundedEquityInvestmentCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_UnfundedLendingCommitmentsFairValueDisclosure" name="UnfundedLendingCommitmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_UnfundedLoanCommitmentMember" name="UnfundedLoanCommitmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_UnpaidPrincipalBalanceofMortgageLoansEligibleforRepurchase" name="UnpaidPrincipalBalanceofMortgageLoansEligibleforRepurchase" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAdditions" name="UnresolvedRepurchaseClaimsAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAdditionsWithIndividualFileReview" name="UnresolvedRepurchaseClaimsAdditionsWithIndividualFileReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAdditionsWithoutIndividualFileReview" name="UnresolvedRepurchaseClaimsAdditionsWithoutIndividualFileReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAmount" name="UnresolvedRepurchaseClaimsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAmountResolvedThroughMortgageRepurchasesandMakeWholePayments" name="UnresolvedRepurchaseClaimsAmountResolvedThroughMortgageRepurchasesandMakeWholePayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAmountWithIndividualFileReview" name="UnresolvedRepurchaseClaimsAmountWithIndividualFileReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsAmountWithoutIndividualFileReview" name="UnresolvedRepurchaseClaimsAmountWithoutIndividualFileReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsDuplicateClaimsSubmittedWithoutIndividualLoanFileReview" name="UnresolvedRepurchaseClaimsDuplicateClaimsSubmittedWithoutIndividualLoanFileReview" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsDuplicatedClaimsAmount" name="UnresolvedRepurchaseClaimsDuplicatedClaimsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsNetofDuplicateClaimsAmountinwhichStatuteofLimitationshasExpired" name="UnresolvedRepurchaseClaimsNetofDuplicateClaimsAmountinwhichStatuteofLimitationshasExpired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsNetofDuplicatedClaimsAmount" name="UnresolvedRepurchaseClaimsNetofDuplicatedClaimsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsNotionalAmount" name="UnresolvedRepurchaseClaimsNotionalAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsNumberofDuplicateClaimsOutstanding" name="UnresolvedRepurchaseClaimsNumberofDuplicateClaimsOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsPortionResolved" name="UnresolvedRepurchaseClaimsPortionResolved" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsPortionResolvedThroughRescissions" name="UnresolvedRepurchaseClaimsPortionResolvedThroughRescissions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsPortionResolvedThroughSettlement" name="UnresolvedRepurchaseClaimsPortionResolvedThroughSettlement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsPrincipalPaid" name="UnresolvedRepurchaseClaimsPrincipalPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsSold" name="UnresolvedRepurchaseClaimsSold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="bac_UnresolvedRepurchaseClaimsUnpaidPrincipalBalance" name="UnresolvedRepurchaseClaimsUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_UnsecuredConsumedLendingLoansMember" name="UnsecuredConsumedLendingLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_ValuationAdjustmentsOnDerivativesTableTextBlock" name="ValuationAdjustmentsOnDerivativesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="bac_VariableInterestEntityConsolidatedAndNonconsolidatedCarryingAmountAssets" name="VariableInterestEntityConsolidatedAndNonconsolidatedCarryingAmountAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="bac_WarrantsExpiringJanuary162019Member" name="WarrantsExpiringJanuary162019Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_WarrantsExpiringOctober182018Member" name="WarrantsExpiringOctober182018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="bac_WholeLoanInvestorsMember" name="WholeLoanInvestorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>


