BANK OF AMERICA CORP /DE/

BANK OF AMERICA CORP /DE/ - 424B3

Filed Under Rule 424(b)(3), Registration Statement No. 333-97157
Pricing Supplement No. 128 - dated Monday, November 22, 2004 (To: Prospectus Dated October 29, 2004)

CUSIP
Number

Aggregate
Principal
Amount

Price to
Public

Gross Concession

Net
Proceeds

Coupon
Type

Coupon
Rate

Coupon
Frequency

Maturity Date

1st Coupon Date

1st Coupon
Amount

Survivor's
Option

Product
Ranking

06050XSV6

$10,020,000.00

100.000%

1.500%

$9,869,700.00

FIXED

4.950%

SEMI-ANNUAL

11/15/2014

05/15/2005

$23.24

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 11/15/2005 and every coupon date thereafter.
The Bank of America InterNotes will be subject to redemption at the option of Bank of America, in whole on the interest payment date occurring 11/15/2005 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the noteholder and the trustee, as described in the prospectus.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC. Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities LLC

CUSIP
Number

Aggregate
Principal
Amount

Price to
Public

Gross Concession

Net
Proceeds

Coupon
Type

Coupon
Rate

Coupon
Frequency

Maturity Date

1st Coupon Date

1st Coupon
Amount

Survivor's
Option

Product
Ranking

06050XSW4

$3,695,000.00

100.000%

2.500%

$3,602,625.00

FIXED

5.400%

QUARTERLY

11/15/2024

02/15/2005

$11.85

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 11/15/2008 and every coupon date thereafter.
The Bank of America InterNotes will be subject to redemption at the option of Bank of America, in whole on the interest payment date occurring 11/15/2008 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the noteholder and the trustee, as described in the prospectus.

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC. Agents: A.G. Edwards & Sons, Inc., Charles Schwab & Co. Inc., Citigroup Global Markets Inc., Edward D. Jones & Co., L.P., Merrill Lynch & Co., Morgan Stanley, UBS Financial Services Inc., Wachovia Securities LLC

CUSIP
Number

Aggregate
Principal
Amount

Price to
Public

Gross Concession

Net
Proceeds

Coupon
Type

Coupon
Rate

Coupon
Frequency

Maturity Date

1st Coupon Date

1st Coupon
Amount

Survivor's
Option

Product
Ranking

06050XSX2

$15,507,000.00

100.000%

2.500%

$15,119,325.00

FIXED

5.500%

QUARTERLY

11/15/2029

02/15/2005

$12.07

YES

Subordinated
Unsecured
Notes

Redemption Information: Callable at 100.000% on 11/15/2009 and every coupon date thereafter.
The Bank of America InterNotes will be subject to redemption at the option of Bank of America, in whole on the interest payment date occurring 11/15/2009 and on any interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Bank of America InterNotes, plus accrued interest thereon, if any, upon at least 30 days prior notice to the noteholder and the trustee, as described in the prospectus.

Bank of America
100 North Tryon Street, NC1-007-07-06
Charlotte NC 28255

Trade Date: Monday, November 22, 2004 @12:00 PM ET
Settlement Date: Friday, November 26, 2004
Minimum Denomination/Increments: $1,000.00/$1,000.00
Moody's Investor Services Rating: Subordinated: Aa3
S & P Ratings Services Rating: Subordinated: A
Initial trades settle flat and clear SDFS: DTC Book Entry only
DTC Number: 0443 via Pershing, LLC

If the maturity date or an interest payment date for any note is not a business day (as term is defined in prospectus), principal, premium, if any, and interest for that note is paid on the next business day, and no interest will accrue from, and after, the maturity date or interest payment date.

InterNotes® is the trademark of INCAPITAL, LLC. All Rights Reserved.

Bank of America
$6,000,000,000 Bank of America
InterNotes
Prospectus Dated 29-Oct-04