Bank of America is one of the largest commercial banks in the United States. It was created in 1998 by the merger of BankAmerica and NationsBank, two large U.S. bank holding companies. BankAmerica was the holding company for an earlier Bank of America. That bank was founded in San Francisco by Amadeo P. Giannini in 1904 and was called the Bank of Italy until 1930. The Bank of America is headquartered in Charlotte, North Carolina.