<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019d69b3-b93b-715e-831e-74440999c92f,g:7d31a7a8-cfc0-420f-8807-3331c03fe76c-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:bac="http://www.bankofamerica.com/20260615" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.bankofamerica.com/20260615">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap-ebp/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bac-20260615_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bac-20260615_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bac-20260615_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="bac-20260615_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.bankofamerica.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementsofNetAssetsAvailableforBenefits" roleURI="http://www.bankofamerica.com/role/StatementsofNetAssetsAvailableforBenefits">
        <link:definition>0000002 - Statement - Statements of Net Assets Available for Benefits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementofChangesinNetAssetAvailableforBenefits" roleURI="http://www.bankofamerica.com/role/StatementofChangesinNetAssetAvailableforBenefits">
        <link:definition>0000003 - Statement - Statement of Changes in Net Asset Available for Benefits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofPlan" roleURI="http://www.bankofamerica.com/role/DescriptionofPlan">
        <link:definition>0000004 - Disclosure - Description of Plan</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.bankofamerica.com/role/SummaryofSignificantAccountingPolicies">
        <link:definition>0000005 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RisksandUncertainties" roleURI="http://www.bankofamerica.com/role/RisksandUncertainties">
        <link:definition>0000006 - Disclosure - Risks and Uncertainties</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestintheStableMasterTrust" roleURI="http://www.bankofamerica.com/role/InterestintheStableMasterTrust">
        <link:definition>0000007 - Disclosure - Interest in the Stable Master Trust</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.bankofamerica.com/role/FairValueMeasurements">
        <link:definition>0000008 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PlanTermination" roleURI="http://www.bankofamerica.com/role/PlanTermination">
        <link:definition>0000009 - Disclosure - Plan Termination</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyTransactions" roleURI="http://www.bankofamerica.com/role/RelatedPartyTransactions">
        <link:definition>0000010 - Disclosure - Related Party Transactions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReconciliationtoForm5500" roleURI="http://www.bankofamerica.com/role/ReconciliationtoForm5500">
        <link:definition>0000011 - Disclosure - Reconciliation to Form 5500</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalIncomeTaxStatus" roleURI="http://www.bankofamerica.com/role/FederalIncomeTaxStatus">
        <link:definition>0000012 - Disclosure - Federal Income Tax Status</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.bankofamerica.com/role/SubsequentEvents">
        <link:definition>0000013 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleHLine4iScheduleofAssetsHeldatEndofYear" roleURI="http://www.bankofamerica.com/role/ScheduleHLine4iScheduleofAssetsHeldatEndofYear">
        <link:definition>0000014 - Disclosure - Schedule H, Line 4i - Schedule of Assets (Held at End of Year)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.bankofamerica.com/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>0000015 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofPlanTables" roleURI="http://www.bankofamerica.com/role/DescriptionofPlanTables">
        <link:definition>0000016 - Disclosure - Description of Plan (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestintheStableMasterTrustTables" roleURI="http://www.bankofamerica.com/role/InterestintheStableMasterTrustTables">
        <link:definition>0000017 - Disclosure - Interest in the Stable Master Trust (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.bankofamerica.com/role/FairValueMeasurementsTables">
        <link:definition>0000018 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReconciliationtoForm5500Tables" roleURI="http://www.bankofamerica.com/role/ReconciliationtoForm5500Tables">
        <link:definition>0000019 - Disclosure - Reconciliation to Form 5500 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleHLine4iScheduleofAssetsHeldatEndofYearTables" roleURI="http://www.bankofamerica.com/role/ScheduleHLine4iScheduleofAssetsHeldatEndofYearTables">
        <link:definition>0000020 - Disclosure - Schedule H, Line 4i - Schedule of Assets (Held at End of Year) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofPlanDetails" roleURI="http://www.bankofamerica.com/role/DescriptionofPlanDetails">
        <link:definition>0000021 - Disclosure - Description of Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RisksandUncertaintiesDetails" roleURI="http://www.bankofamerica.com/role/RisksandUncertaintiesDetails">
        <link:definition>0000022 - Disclosure - Risks and Uncertainties (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestintheStableMasterTrustDetails" roleURI="http://www.bankofamerica.com/role/InterestintheStableMasterTrustDetails">
        <link:definition>0000023 - Disclosure - Interest in the Stable Master Trust (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsDetails" roleURI="http://www.bankofamerica.com/role/FairValueMeasurementsDetails">
        <link:definition>0000024 - Disclosure - Fair Value Measurements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RelatedPartyTransactionsDetails" roleURI="http://www.bankofamerica.com/role/RelatedPartyTransactionsDetails">
        <link:definition>0000025 - Disclosure - Related Party Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReconciliationtoForm5500Details" roleURI="http://www.bankofamerica.com/role/ReconciliationtoForm5500Details">
        <link:definition>0000026 - Disclosure - Reconciliation to Form 5500 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleHLine4iScheduleofAssetsHeldatEndofYearDetails" roleURI="http://www.bankofamerica.com/role/ScheduleHLine4iScheduleofAssetsHeldatEndofYearDetails">
        <link:definition>0000027 - Disclosure - Schedule H, Line 4i - Schedule of Assets (Held at End of Year) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ScheduleHLine4iScheduleofAssetsHeldatEndofYearDetails_1" roleURI="http://www.bankofamerica.com/role/ScheduleHLine4iScheduleofAssetsHeldatEndofYearDetails_1">
        <link:definition>0000027 - Disclosure - Schedule H, Line 4i - Schedule of Assets (Held at End of Year) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="bac_EBP003Member" abstract="true" name="EBP003Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bac_EBPChangeInNetAssetAvailableForBenefitIncreaseDecreaseFromIncomeLossOnInvestmentExcludingPlanInterestInMasterTrust" abstract="false" name="EBPChangeInNetAssetAvailableForBenefitIncreaseDecreaseFromIncomeLossOnInvestmentExcludingPlanInterestInMasterTrust" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bac_CollectiveInvestmentFundsMember" abstract="true" name="CollectiveInvestmentFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bac_CollectiveInvestmentFundsLifepathIndexFundsMember" abstract="true" name="CollectiveInvestmentFundsLifepathIndexFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bac_EBPInternRequisiteServiceHours" abstract="false" name="EBPInternRequisiteServiceHours" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bac_EBPInternRequisiteServicePeriod" abstract="false" name="EBPInternRequisiteServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPInternRequisiteServiceHoursForTwoComputationPeriods" abstract="false" name="EBPInternRequisiteServiceHoursForTwoComputationPeriods" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bac_EBPInternRequisiteServiceNumberOfComputationPeriods" abstract="false" name="EBPInternRequisiteServiceNumberOfComputationPeriods" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bac_EBPParticipantContributionAutomaticDeferralOptOutPeriod" abstract="false" name="EBPParticipantContributionAutomaticDeferralOptOutPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPParticipantContributionAutomaticAnnualIncreaseDeferralRate" abstract="false" name="EBPParticipantContributionAutomaticAnnualIncreaseDeferralRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bac_EBPRequisiteServicePeriod" abstract="false" name="EBPRequisiteServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPEmployerContributionAnnualFixedRateContributionPercentage" abstract="false" name="EBPEmployerContributionAnnualFixedRateContributionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bac_EBPEmployerContributionContributionVestingServicePeriod" abstract="false" name="EBPEmployerContributionContributionVestingServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPPlanRetirementAge" abstract="false" name="EBPPlanRetirementAge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bac_EBPEmployerContributionWithdrawPlanParticipationPeriod" abstract="false" name="EBPEmployerContributionWithdrawPlanParticipationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPVestedContributionsEligibleWithdrawAmount" abstract="false" name="EBPVestedContributionsEligibleWithdrawAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bac_EBPParticipantVestedAmountTermOfWithdrawalAfterRuleOf60" abstract="false" name="EBPParticipantVestedAmountTermOfWithdrawalAfterRuleOf60" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPParticipantContributionVestingPercentage" abstract="false" name="EBPParticipantContributionVestingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bac_EBPEmployerContributionVestingPercentage" abstract="false" name="EBPEmployerContributionVestingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bac_EBPEmployerContributionVestingServicePeriod" abstract="false" name="EBPEmployerContributionVestingServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPNoteReceivableFromParticipantMaximumNumberOfOutstandingLoans" abstract="false" name="EBPNoteReceivableFromParticipantMaximumNumberOfOutstandingLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bac_EBPNoteReceivableFromParticipantGeneralLoanMinimumBorrowingTerm" abstract="false" name="EBPNoteReceivableFromParticipantGeneralLoanMinimumBorrowingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm" abstract="false" name="EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMinimumBorrowingTerm" abstract="false" name="EBPNoteReceivableFromParticipantAccountPrimaryResidenceMinimumBorrowingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm" abstract="false" name="EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPNoteReceivableFromParticipantAccountReductionToMaximumBorrowingAmountForOutstandingLoansPeriodBeforeLoanWasMade" abstract="false" name="EBPNoteReceivableFromParticipantAccountReductionToMaximumBorrowingAmountForOutstandingLoansPeriodBeforeLoanWasMade" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bac_EBPParticipantLoanBasisSpreadOnVariableRate" abstract="false" name="EBPParticipantLoanBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bac_EBPInvestmentAlternativesNumberOfInvestments" abstract="false" name="EBPInvestmentAlternativesNumberOfInvestments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bac_EBPFixedMaturitySyntheticGuaranteedInvestmentContractMember" abstract="true" name="EBPFixedMaturitySyntheticGuaranteedInvestmentContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bac_EBPConstantDurationSyntheticGuaranteedInvestmentContractsMember" abstract="true" name="EBPConstantDurationSyntheticGuaranteedInvestmentContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bac_EBPInsuranceCompanySeparateAccountGuaranteedInvestmentContractsMember" abstract="true" name="EBPInsuranceCompanySeparateAccountGuaranteedInvestmentContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
