You can call customer service to find out about the policy on your particular account. Generally, the reps give you reliable information.I opened a My Access Checking with BofA last year. After a zillion calls, I did get $100 posted to my account and I actually got one rep to make sure I am never charged a penny even with zero balance as long as I keep the account open. Pure luck I guess since I have indeed not been charged anything in spite of a few months with zero balance. The offer came in the mail and you had to have a BofA credit card to get this deal which I did have but never use since it gives no cash back.
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