CALCULATION OF REGISTRATION FEE

Title of Each Class of Securities Offered:  Debt Securities
Proposed Maximum Aggregate Offering Price:  $25,289,000
Amount of Registration Fee (1)(2):  $1,411.13
______________

(1) Calculated in accordance with Rule 457(r) of the Securities Act.
(2) Paid herewith.

Filed Under Rule 424(b)(3), Registration Statement No. 333-152418
Pricing Supplement No. 240 - dated Monday, November 16, 2009 (To:  Prospectus Dated July 21, 2008)

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

06050WBZ7

$8,831,000.00

100.000%

1.350%

$8,711,781.50

FIXED

4.400%

SEMI-ANNUAL

11/15/2015

05/15/2010

$21.51

YES

Senior Unsecured Notes

Redemption Information: Non-Callable

Joint Lead Managers and Lead Agents: BofA Merrill Lynch, Incapital LLC Agents:  Charles Schwab & Co.,  Inc., Citi, Morgan Stanley, UBS Investment Bank, Wells Fargo Advisors        

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

06050WCA1

$16,458,000.00

100.000%

1.650%

$16,186,443.00

FIXED

5.250%

SEMI-ANNUAL

11/15/2018

05/15/2010

$25.67

YES

Senior Unsecured Notes

Redemption Information: Non-Callable

Joint Lead Managers and Lead Agents: BofA Merrill Lynch, Incapital LLC Agents:  Charles Schwab & Co.,  Inc., Citi, Morgan Stanley, UBS Investment Bank, Wells Fargo Advisors        

Bank of America
  Offering Dates:  Monday, November 09, 2009 through Monday, November 16, 2009
Trade Date: Monday, November 16, 2009 @ 12:00 PM ET
Settlement Date: Thursday, November 19, 2009
Minimum Denomination/Increments: $1,000.00/$1,000.00
Moody's Investor Services Rating: Senior: A2
S & P Ratings Services Rating: Senior: A
Fitch Inc. Rating: Senior: A+
Initial trades settle flat and clear SDFS: DTC Book Entry only
DTC Number 0235 via RBC Dain Rauscher Inc. If the maturity date or an interest payment date for any note is not a business day (as that term is defined in the 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 a registered trademark of Incapital Holdings LLC. All Rights Reserved. Bank of America InterNotes
Prospectus dated 21-Jul-08