I don't think people bother remembering URLs at all any more. In the
scenario you describe, I think you'd find that most people rely on
"Google bookmarking." That is, the use of the Google search field to
find anything and everything, including URLs they know perfectly well,
like "bankofamerica.com." And I mean that people will literally type
"bankofamerica.com" into Google.
If I knew that Apple was having a big sale, I'd probably type "apple"
into Google to get there, then expect to see something about the
promotion on the Apple home page.