Who is bound and which online and mobile banking services are covered
The Agreement is between Bank of America, N.A. and "you," defined as each owner of an eligible account, a person applying for an eligible account, or an authorized representative appointed or entitled to online access on another person's behalf. It governs your use of any online or mobile banking services Bank of America maintains that are accessible through bankofamerica.com from a personal computer or a mobile device, including a smartphone, tablet, or any other eligible handheld or wearable communication device (together, the "Services").
Supporting quotations
This Agreement is between each owner of an eligible account, a person applying for an eligible account, or authorized representative appointed or entitled to online access on another person’s behalf (“you” or “your”) and Bank of America, N.A. (Bank of America).
This Agreement governs your use of any online or mobile banking services maintained by Bank of America and accessible through bankofamerica.com using a personal computer or a mobile device, including a smartphone, tablet, or any other eligible handheld or wearable communication device (the “Service(s)”).
Qualifications & exceptions
"You" includes applicants and authorized representatives, not only account owners
Covers services accessible through bankofamerica.com on computers and on mobile, handheld or wearable devices
Not stated here
This paragraph does not define what makes an account "eligible" or who qualifies as an authorized representative.
Account & Service Control · Company commitment
Services are optional; traditional access continues if the Bank ends them
Bank of America says it provides the Services as a convenience to you, in its sole and absolute discretion. The Services are optional and supplement the "Traditional Access Methods" for your eligible accounts: mail, telephone, bill payment initiated through third-party financial institutions, and in-person financial centers. If Bank of America terminates the Services, your Traditional Access Methods remain in effect and stay subject to the agreements that apply to them.
Supporting quotations
Bank of America, in its sole and absolute discretion, provides the Services as a convenience to you.
The Services are optional and a supplement to the traditional methods of accessing your eligible accounts (the “Traditional Access Methods”) which include by: (i) mail, (ii) telephone, (iii) bill payment initiated through third party financial institutions and (iv) in-person financial centers.
Termination of the Services by Bank of America will not affect your Traditional Access Methods which will remain in effect and subject to the agreements applicable to the Traditional Access Methods.
Qualifications & exceptions
Services are provided in Bank of America's sole and absolute discretion
Traditional Access Methods remain subject to their own agreements
Not stated here
The agreements governing the Traditional Access Methods are not supplied.
What the Services let you do and which accounts they reach
Under the Agreement you may use the Services to obtain financial products and services and to access and view account information; for certain accounts you may also move money electronically and perform authorized transactions. This applies to eligible U.S.-based Bank of America consumer and small business accounts and to affiliate accounts linked to the Service, such as accounts at Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Merrill").
Supporting quotations
you may use the Services to obtain financial products and services, access and view account information, and, for certain accounts, move money electronically and perform authorized transactions
for eligible U.S.-based Bank of America consumer and small business accounts and affiliate accounts linked to the Service, such as those at Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Merrill").
Qualifications & exceptions
Moving money and performing transactions is available only for certain accounts
Limited to eligible U.S.-based consumer, small business and linked affiliate accounts
Not stated here
This paragraph does not list which accounts are eligible or which allow electronic money movement.
Account & Service Control · Company practice
Eligible accounts are linked automatically; later ones unless you say not to
When you first set up your Online/Mobile ID, Bank of America will link all of your eligible Bank of America and affiliate accounts, including joint accounts. If you later open another eligible account, it will also be linked to the Service unless you tell Bank of America not to. Unless the context indicates otherwise, "linked accounts" means all of your Bank of America and affiliate accounts that are linked to the Service.
Supporting quotations
When you first set up your Online/Mobile ID, we will link all of your eligible Bank of America and affiliate accounts, including joint accounts.
If you open an additional eligible account at a later date, we will link your new account to the Service, unless you tell us not to do so.
"linked Bank of America accounts" or "linked accounts" refers to all of your accounts with Bank of America and its affiliates that are linked to the Service.
Qualifications & exceptions
Linking happens by default; for later-opened accounts you can tell the Bank not to link
Includes affiliate accounts and joint accounts
Not stated here
This paragraph does not describe how to tell Bank of America not to link a new account, or whether accounts linked at setup can be removed.
Account & Service Control · Permission or license
On joint accounts, the Bank may act on any authorized signer's instructions
When your Service is linked to one or more joint accounts, Bank of America may act on verbal, written or electronic instructions from any authorized signer, not only from you.
Supporting quotations
When your Service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer.
Qualifications & exceptions
Applies to any authorized signer on a linked joint account
Instructions may be verbal, written or electronic
Not stated here
"Authorized signer" is not defined in this section.
Account & Service Control · Restriction or exception
Some features may be unavailable; you're responsible for updating the app
Some Services, features or benefits may not be available at all times or on certain digital devices or applications; for example, a function may be available online through a personal computer but not in the mobile app, or not if you lack the most current app version. You are responsible for keeping the most current version of the mobile app on the device you use, and if Bank of America adds features or benefits you may be unable to access them without it.
Supporting quotations
some of the Services, or certain features or benefits of the Services, may not be available at all times or when using certain digital devices or applications.
some functions may be available online through a personal computer, but not available through our mobile app or if you do not have the most current version of our mobile app.
It is your responsibility to maintain the most current version of our mobile app on the mobile device you use to access the Services.
if we add features or benefits to the Service, you may be unable to access them if you do not have the most current version of the mobile app.
Qualifications & exceptions
Availability can vary by time, device, application and app version
Not stated here
The Agreement does not list which functions are unavailable on which devices or app versions.
Account & Service Control · Context
Internal Transfer send limits apply per User ID across all "From" accounts
Send limits for the transfers in Sections 2.A and 2.B are set at the customer profile (User ID) level and apply across all accounts visible in the "From" dropdown. A small business customer who is not getting small business limits is told to make sure they are logged in with their small business User ID.
Supporting quotations
Internal Transfer send limits for both Sections 2.A and 2.B are set at the customer profile (User ID) and apply to all accounts visible in the “From” dropdown when initiating an Internal Transfer.
If you are a small business customer and are not receiving the small business limits, make sure you are logged in with your small business User ID.
Qualifications & exceptions
Limits are per User ID, shared across all "From" accounts
Small business limits depend on using the small business User ID
Account & Service Control · Restriction or exception
Bill Pay section does not apply to Payments and Invoicing Service users
Section 3 (Bill Payment Services) does not apply to small business customers who participate in the Payments and Invoicing Service. That service is not open for new enrollment and is described in Section 6 of the Business Services Addendum, which the agreement says is a part of this Agreement.
Supporting quotations
This section is not applicable to small business customers participating in the Payments and Invoicing Service, which is not open for new enrollment and described in Section 6 of the Business Services Addendum, which is a part of this Agreement.
Qualifications & exceptions
Applies only to small business customers enrolled in the Payments and Invoicing Service
Payments and Invoicing Service is not open for new enrollment
Not stated here
Terms of the Payments and Invoicing Service in Section 6 of the Business Services Addendum are not supplied
Account & Service Control · Context
E-Bills come only from participating Payees that accept your request
E-Bills is a Bill Pay feature for receiving bills electronically from participating Payees. Each Payee sets its own criteria and has sole discretion to accept or decline your request. You may not be eligible to receive e-Bills for Bank of America credit card accounts through Bill Pay.
Supporting quotations
E-Bills is a feature of the Bill Pay Service that enables you to receive bills electronically from participating Payees
Participating Payees establish their own criteria for reviewing requests to receive e-Bills and have sole discretion to accept or decline your request.
You may not be eligible to receive e-Bills for Bank of America credit card accounts through the Bill Pay Service.
Qualifications & exceptions
Payee has sole discretion
Bank of America credit card e-Bills may be unavailable
Not stated here
Payee approval criteria are not described
Account & Service Control · User right or choice
Either side can cancel e-Bills; stopping one takes seven business days
You or Bank of America can cancel the e-Bill service, or a particular e-Bill, at any time. If you ask to discontinue a particular e-Bill, Bank of America requires seven business days for the Payee to receive and process the request. If an e-Bill from a Bank of America Payee is canceled, any previously delivered but unpaid e-Bills are removed from your list of payable e-Bills.
Supporting quotations
You or we can cancel the e-Bill service, or a particular e-Bill at any time.
If you request that a particular e-Bill be discontinued, we require seven (7) business days for the Payee to receive and process the request.
If an e-Bill from a Bank of America Payee is canceled, any e-Bills previously delivered but not paid will be removed from your list of payable e-Bills.
Qualifications & exceptions
Seven business days for a discontinuance request to be processed by the Payee
Unpaid Bank of America e-Bills are removed on cancellation
Account & Service Control · Procedure
How to cancel a bill payment online or by phone
To cancel a bill payment, including one funded from an account at another institution, follow the directions in Bill Pay; the cancel feature is in the payment activity section. You may also request cancellation of a future scheduled or recurring transfer (the source's word here) by calling 800.432.1000 for consumer accounts or 866.758.5972 for small business accounts, or by calling collect at 925.681.7600 from outside the continental U.S.
Supporting quotations
In order to cancel a bill payment (including a payment you scheduled from an account maintained at another financial institution), follow the directions provided in Bill Pay.
The cancel feature is found in the payment activity section.
You may also request to cancel a future scheduled or recurring transfer by calling us at 800.432.1000 for consumer accounts and 866.758.5972 for small business accounts.
If you are calling from outside of the continental U.S., call us collect at 925.681.7600.
Qualifications & exceptions
Phone cancellation is described for future scheduled or recurring items
Enrolling in Zelle means accepting the terms and confirming account authority
By enrolling in the Zelle Service you agree to the terms of this Agreement and represent that you have authority to authorize debits and credits to the enrolled bank account. The Service lets you send or receive money using your consumer or small business deposit account.
Supporting quotations
When you enroll to use the Service, you agree to the terms and conditions of this Agreement.
You represent that you have the authority to authorize debits and credits to the enrolled bank account.
The Service allows you to send or receive money using your consumer or small business deposit account.
Qualifications & exceptions
Available for consumer or small business deposit accounts
You represent authority over debits and credits to the enrolled account
Account & Service Control · Permission or license
Bank of America may suspend or end your Zelle use and set eligibility rules
Bank of America reserves the right to suspend or terminate your use of Zelle if it believes, in its sole discretion, that you are using the Service for illegal or other purposes, or for purposes that expose Bank of America or Zelle to risk or liability, or that you have otherwise violated the Service terms. It may also set other eligibility criteria in its sole discretion.
Supporting quotations
We reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, that you are using the Service for illegal or other purposes or purposes that expose Bank of America or Zelle® to risk or liability
or we believe, in our sole discretion, that you have otherwise violated the terms and conditions of using this Service
We may determine other eligibility criteria in our sole discretion.
Qualifications & exceptions
Based on Bank of America's belief in its sole discretion
Grounds include the open-ended phrase 'illegal or other purposes'
Other eligibility criteria may be set in Bank of America's sole discretion
Not stated here
Any additional eligibility criteria are not described in the source
Account & Service Control · Restriction or exception
Zelle tags need a U.S. mobile number, are limited in number and can't mislead
The Service may let you add a unique alphanumeric "Zelle tag" to your profile to use instead of your mobile number or email when sending, receiving or requesting money. Each tag must be associated with an eligible U.S. mobile phone number, there is a limit on how many tags you may use, and not all tags will be permitted. You may not pick a tag that misleads or deceives other Users about your identity or otherwise.
Supporting quotations
The Service may include functionality to add a unique alpha-numeric identifier to your registered profile to be used in lieu of your mobile phone number or email address with sending, receiving, or requesting money, which will be your “Zelle tag.”
Each Zelle tag must have an eligible U.S. mobile phone number associated with it and there will be a limit on the number of Zelle tags you may use.
Not all Zelle tags will be permitted for use.
You may not select a Zelle tag that misleads or deceives other Users of the Service as to your identity, or otherwise.
Qualifications & exceptions
Feature 'may' be included; not guaranteed
Each tag requires an eligible U.S. mobile number
Number of tags is limited
data: identifiers · purpose: service_operation
Not stated here
The tag limit and which tags are not permitted are not specified
Account & Service Control · Permission or license
Bank of America and Zelle may remove, change or monitor your Zelle tag
Neither Bank of America nor Zelle must monitor Zelle tags, but both have absolute discretion to remove a tag at any time, for any reason, without notice. They may require you to change your tag in their sole discretion, and Bank of America may make a tag unavailable to you without liability to you. They may also monitor tags to detect and prevent fraud or violations of the terms.
Supporting quotations
Although neither we nor Zelle® have any obligation to monitor Zelle tags, both we and Zelle® have absolute discretion to remove a Zelle tag at any time and for any reason without notice.
We and Zelle® may require you to change your Zelle tag in our sole discretion, and we may elect to make a Zelle Tag unavailable to you, without any liability to you.
We and Zelle® may also monitor Zelle tags to detect and prevent fraudulent activity or violations of these terms.
Qualifications & exceptions
Removal may occur without notice and for any reason
No liability to you for making a tag unavailable
No obligation to monitor, but monitoring for fraud is permitted
Zelle enrollment needs a regularly used email or permanent U.S. mobile number
To enroll you must give Bank of America an email address you use and access regularly and/or a permanent U.S. mobile phone number you intend to use for an extended period. You may not enroll with a landline phone number, a Google Voice number or Voice over Internet Protocol.
Supporting quotations
You must provide us with an email address that you use and access regularly and/or a permanent U.S. mobile phone number that you intend to use for an extended period of time.
You may not enroll in the Service with a landline phone number, Google Voice number, or Voice over Internet Protocol.
Qualifications & exceptions
Landline, Google Voice and Voice over Internet Protocol are not allowed
data: identifiers · purpose: service_operation
Account & Service Control · Permission or license
Zelle enrollment may be canceled if ownership can't be confirmed after 18 months
If you go 18 consecutive months without receiving money or a money request through Zelle, Bank of America may contact you or take other steps to confirm the enrolled mobile number or email still belongs to you. If it cannot confirm you own it, or learns you do not, it may cancel your enrollment, and you cannot send or receive money with Zelle until you enroll again.
Supporting quotations
If at any time while you are enrolled, you do not receive money using the Service or receive a request for money for a period of 18 consecutive months
we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you
If we are unable to confirm that you are the owner of the mobile phone number or email address, or we receive information that you are not the owner of the mobile number or email address, then you understand that we may cancel your enrollment
you will not be able to send or receive money with the Service until you enroll again
Qualifications & exceptions
Trigger is 18 consecutive months without receiving money or a request for money
Cancellation is permissive ('may')
Sending and receiving remain unavailable until you enroll again
What 'other steps' to confirm ownership involve is not described
Account & Service Control · Context
You represent that you own or are authorized to use the alias you enrolled
By participating as a User, you represent that you own the email address, U.S. mobile number and/or other alias you enrolled, or that you have delegated legal authority to act for its owner to send or receive money under the agreement.
Supporting quotations
By participating as a User, you represent that you are the owner of the email address, U.S. mobile phone number, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner
Qualifications & exceptions
Delegated legal authority to act for the owner is an alternative to ownership
data: identifiers
Account & Service Control · Permission or license
You consent to Zelle emails and autodialed texts from several senders
You consent to receive emails or text messages from Bank of America, Zelle, other Users sending you money or requesting money from you, and other Network Banks or their agents about the Services or related transfers. You agree that Bank of America, Zelle or their agents may use automatic telephone dialing systems for texts to any U.S. mobile number you enroll.
Supporting quotations
You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Services or related transfers between Network Banks and you.
You agree that we may, Zelle® may or our agents may use automatic telephone dialing systems in connection with text messages sent to any U.S. mobile phone number you enroll.
Qualifications & exceptions
Senders include other Users and other Network Banks or their agents
Autodialed texts apply to any enrolled U.S. mobile number
Notify the bank immediately if your enrolled email or mobile number changes
You must immediately notify Bank of America if an enrolled email or mobile number, or one used as a contact method for a Zelle tag, is surrendered by you, inactivated or removed by your provider, or changed by you. If the bank notices changes to your email or mobile number, or cannot deliver notifications, it may delete that contact and notify you.
Supporting quotations
You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle tag is (i) surrendered by you, (ii) inactivated or removed by your provider, or (iii) changed by you.
For your security, if we notice changes to your email or mobile number, or we are unable to deliver notifications, we may delete it and notify you.
Qualifications & exceptions
Applies to contacts used for Zelle tags too
Deletion is permissive and followed by notice
data: identifiers · purpose: security
Not stated here
How you are notified after deletion is not specified
Account & Service Control · User right or choice
Texting STOP to 53849 ends Zelle texts and unenrolls you from the Service
To cancel text messages from Bank of America, text STOP to 53849; doing so also unenrolls you from the Zelle Service. For help, text HELP to 53849 or call 800.933.6262 (consumer accounts) or 866.758.5972 (small business accounts). You consent to a text confirming your STOP request. Bank of America's Zelle notifications are supported by many carriers, like AT&T, T-Mobile and Verizon Wireless, and you should check availability with your carrier.
Supporting quotations
To cancel text messaging from us, text STOP to 53849. This will unenroll you from the Service.
For help or information regarding text messaging, text HELP to 53849 or contact our customer service at 800.933.6262 for consumer accounts and 866.758.5972 for small business accounts.
You expressly consent to receipt of a text message to confirm your “STOP” request.
Bank of America’s Zelle® notifications are supported by many carriers, like AT&T, T-Mobile, and Verizon Wireless. Check with your individual carrier to confirm availability.
Qualifications & exceptions
STOP unenrolls you from the Service, not only from texts
Separate help numbers for consumer and small business accounts
Carrier availability varies
data: identifiers · purpose: service_operation
Account & Service Control · Permission or license
Bank of America may end your ability to send money requests
Bank of America reserves the right, without any obligation, to terminate your ability to send money requests generally or to specific recipients if it deems the requests potentially unlawful, abusive, offensive or unwelcome by the recipient.
Supporting quotations
We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.
Qualifications & exceptions
Right reserved but no obligation assumed
Can apply to all requests or specific recipients
Not stated here
Whether you receive notice before termination is not stated
Account & Service Control · Restriction or exception
RTP eligibility: US dollars, participating US banks, consumer checking
RTP transfers can only be made in U.S. dollars, and only between accounts at participating banks located in the United States. When you enroll to receive RFPs or send payments, you agree to this Agreement and represent that you have authority to authorize payments from the enrolled account. You may pay from your consumer checking account, and Bank of America may require you to validate certain account information before you can send an RTP payment.
Supporting quotations
Transfers using RTP may be made only in U.S. Dollars and only between accounts at banks located in the United States that are participating in RTP.
When you enroll to use RTP to receive RFPs or send payments, you agree to the terms and conditions of this Agreement.
You represent that you have the authority to authorize payments from the enrolled bank account.
You may make payments using your consumer checking account.
We may require you to validate certain account information before you are permitted to send a payment using RTP.
Qualifications & exceptions
U.S. dollars only
Only between participating banks located in the United States
What account information may need to be validated is not specified
Account & Service Control · Restriction or exception
No unlawful RTP payments; Bank of America may suspend or terminate RTP
You agree not to send money to anyone for a purpose prohibited by law. Bank of America reserves the right to suspend or terminate your RTP use if it believes, in its sole discretion, that you have violated these terms or are acting fraudulently or illegally.
Supporting quotations
You agree that you will not send money to anyone for any purpose that is prohibited by law.
We reserve the right to suspend or terminate your use of RTP if we believe, in our sole discretion, that you have violated any of these terms or conditions or are otherwise engaging in a fraudulent or other illegal manner.
Qualifications & exceptions
Suspension or termination is at Bank of America's sole discretion
Triggered by a belief of a terms violation or fraudulent or illegal conduct
purpose: legal_compliance · purpose: security
Not stated here
Whether notice is given before suspension or termination is not stated
Account & Service Control · Procedure
Phone and mail contacts for non-remittance ACH and wire transfers
For transfers other than Remittance Transfers, including general questions, cancellation requests and reports of unauthorized transactions, call 800.432.1000, or 866.758.5972 for small business accounts. Phone hours are Monday through Friday, 7:00 a.m. to 10:00 p.m., and Saturday and Sunday, 8:00 a.m. to 5:00 p.m., local time. From outside the continental U.S., you can call collect at 925.681.7600. You may also write to Bank of America FL1-300-02-07, P.O. Box 25118, Tampa, FL 33622-5118; Remittance Transfer contacts are in Section 6.F.
Supporting quotations
For transfers other than Remittance Transfers, including general questions, requests for cancellation of payments and transfers, or to report unauthorized transactions, please call us at 800.432.1000 or 866.758.5972 for small business accounts
available Monday through Friday from 7:00 a.m. to 10:00 p.m., and Saturday and Sunday from 8:00 a.m. to 5:00 p.m., local time
From outside of the continental U.S., call us collect at 925.681.7600.
You may also write us at:
Bank of America FL1-300-02-07 P.O. Box 25118 Tampa, FL 33622-5118
For Remittance Transfers, please see the contact information in Section 6.F below.
Qualifications & exceptions
Not for Remittance Transfers (see Section 6.F)
Separate number for small business accounts
Hours are stated in local time
purpose: service_operation
Not stated here
Whose local time governs the phone hours is not stated
Account & Service Control · Restriction or exception
You may not be eligible for Three Business Day ACH transfers
Whether you are a Consumer or a Small Business customer, you may not be eligible to make Three Business Day ACH transfers. Eligibility depends on a variety of factors that the agreement does not list.
Supporting quotations
5/ You may not be eligible to make Three Business Day ACH transfers as a Consumer or Small Business.
Eligibility for making such transfers is based on a variety of factors.
Qualifications & exceptions
Applies to both Consumer and Small Business customers
Account & Service Control · Restriction or exception
Next-day inbound ACH needs $500 of three-day inbound first, 60+ days earlier
If Three Business Day ACH (Inbound) is available in your online or mobile banking, you must meet two conditions before you can initiate a Next Business Day ACH (Inbound) transfer. First, you must have received at least $500.00 in total through one or more Three Business Day ACH (Inbound) transfers. Second, the first of those transfers must have been received at least 60 days before your first Next Business Day ACH transfer.
Supporting quotations
If Three Business Day ACH (Inbound) is an available transfer type in your online or mobile banking experience
in order to initiate a Next Business-Day ACH (Inbound) transfer
you must first receive an aggregate of $500.00 in one or more Three Business Day ACH (Inbound) transfers
the first Three Business Day ACH transfer must have been received at least 60 days prior to the first Next Business Day ACH transfer
Qualifications & exceptions
Applies only if Three Business Day ACH (Inbound) is available to you
$500.00 aggregate threshold
60-day waiting period from the first three-day transfer
data: payment
Not stated here
Requirements for customers without access to Three Business Day ACH (Inbound) are not stated
ACH and wire send limits apply per User ID across visible accounts
ACH and wire send limits are set at the customer profile (User ID) level. They apply to all accounts that appear in the "From" dropdown when you start an ACH or wire payment. Small business customers who are not getting small business limits are told to make sure they are logged in with their Small Business User ID.
Supporting quotations
ACH/Wires send limits are set at the customer profile (User ID) and apply to all accounts visible in the “From” dropdown when initiating an ACH/Wire payment.
If you are a Small Business customer and are not receiving the Small Business limits, make sure you are logged in with your Small Business User ID.
Qualifications & exceptions
Limits are shared across all accounts visible under one User ID
Registering external accounts and verifying your ownership of them
To register a non-Bank of America account for this Service, you must provide certain identifying information about that account. For inbound transfers, you agree to only attempt to register non-Bank of America personal accounts that you own or for which you have authority to transfer funds. If Bank of America cannot verify your ownership of the external account, for whatever reason, it will deny the request.
Supporting quotations
You will need to provide certain identifying information about each non-Bank of America account in order to register that account for this Service.
For inbound transfers, you agree that you will only attempt to register non-Bank of America personal accounts that you own or for which you have the authority to transfer funds.
if we are unable to verify your ownership of a non-Bank of America account for whatever reason, we will deny your request.
Qualifications & exceptions
Ownership-or-authority restriction is stated for inbound transfers
Denial applies if ownership cannot be verified for any reason
Which identifying information is required is not listed
How ownership verification is performed is not described
Account & Service Control · User right or choice
Security and Automatic alerts are on by default and cannot be turned off
Bank of America offers four types of alerts. General & Security Alerts are sent when important online changes are made to your account (such as email, home address, phone, User ID or password changes) or for unusual card activity; they are automatically activated and sent to your primary email, and you may turn off General alerts but not Security alerts. Automatic Alerts cover notices such as money transfers, insufficient funds or paperless statement availability; they are automatically activated, sent only to your primary email, and cannot be turned off.
Supporting quotations
We provide four types of alerts:
General & Security Alerts are sent to you when important changes are made online to your account, such as changing your email or home address, telephone number, User ID or password, or unusual card activity.
General and Security alerts are automatically activated and sent to your primary email address. If you choose, you may turn off General alerts, but not Security alerts.
Automatic Alerts provide you with important account notifications, such as information about a money transfer, insufficient funds or availability of a paperless statement.
Automatic alerts are automatically activated and sent to your primary email address only. You may not turn off Automatic Alerts.
Qualifications & exceptions
Security alerts cannot be turned off
Automatic Alerts cannot be turned off and go to primary email only
purpose: security · purpose: service_operation
Not stated here
The full list of events that trigger each alert type is not given
How these Security alerts, which cannot be turned off, relate to the separate card security text alerts that can be stopped by texting STOP is not explained
Account Alerts are opt-in; personalized insights are on until you turn them off
Account Alerts are optional messages you choose, such as payment reminders or credit or debit card transaction alerts; you must select and activate them and can turn them off at any time. Personalized insights and guidance to help manage your finances are sent through Mobile app push notifications, are automatically activated, and can be turned off at any time.
Supporting quotations
Account Alerts allow you to choose optional alert messages for your accounts, such as payment reminders or transaction alerts for credit or debit card charges.
You must select and activate account alerts; you can turn off account alerts at any time.
Personalized insights and guidance to help manage your finances which are sent through Mobile app push notifications. Insights are automatically activated; you can turn off insights at any time.
Bank of America may add or cancel alerts without required notice
Bank of America may add new alerts or cancel old ones from time to time. It usually notifies you when it cancels alerts but says it is not obligated to do so.
Supporting quotations
We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so.
Qualifications & exceptions
Notice of cancelled alerts is usual but not required
purpose: service_operation
Account & Service Control · Procedure
Where alerts are delivered and your duty to update contact details
Alerts go to the primary email address you provided for the Services. General & Security and Account Alerts can also be sent to a secondary email, a mobile device that accepts texts, or a device receiving Mobile App push notifications, which you control in the mobile app. You are responsible for telling Bank of America if your email or mobile number changes; Bank of America does not charge for alerts, but your carrier may impose text or data charges.
Supporting quotations
Alerts will be sent to the email address you have provided as your primary email address for the Services.
For General & Security and Account Alerts, you can also choose to have these sent to a secondary email address, a mobile device that accepts text messages (as described in Section 7.B), or a mobile device that can receive our Mobile App alerts through a push notification system.
You can control mobile Push notification delivery within the Bank of America mobile app. If your email address or your mobile number changes, you are responsible for informing us of that change.
While Bank of America does not charge for the delivery of the alerts, please be advised that text or data charges or rates may be imposed by your carrier.
Qualifications & exceptions
Extra delivery channels apply to General & Security and Account Alerts
You must report changes to your email or mobile number
Alerts and notices may be sent any time, including 9 p.m. to 8 a.m.
By using the Services, you acknowledge that Bank of America may send communications, alerts and notifications electronically, including by email, text or push notification, at any time of day, including outside business hours and between 9 p.m. and 8 a.m. local time. You agree the Bank is not liable for any damages related to the time of day these are sent or received.
Supporting quotations
By use of the Services, you acknowledge that
Services-related communications, alerts, or notifications may be sent by us and received by you electronically, including, but not limited to, through email, mobile text messaging, or mobile push notifications, during any part of the day, including outside of normal business hours and between the hours of 9 p.m. and 8 a.m. local time.
You agree that the Bank will not be liable for any damages or other liability related to the time of day any electronic communications, alerts, or notifications are sent or received.
Qualifications & exceptions
Includes 9 p.m. to 8 a.m. local time
data: messages · purpose: service_operation
Account & Service Control · User right or choice
Text STOP to 692632 to stop SMS alerts set up in Alerts Settings
You can text STOP to 692632 at any time to stop the SMS text alerts you activated on the Alerts Settings pages; alerts sent to your primary email are not affected. To restore text alerts, you reactivate them on the Alerts Settings pages, and you can text HELP to 692632 for help.
Supporting quotations
You can text STOP to 692632 at any time to stop SMS text alerts that you activated on the Alerts Settings pages. Alerts sent to your primary email address won’t be affected by this action.
To restore text alerts, go to the Alerts Settings pages and reactivate the alerts. For help with SMS text alerts, send the word HELP to 692632.
Qualifications & exceptions
Applies to SMS alerts activated on the Alerts Settings pages
Email alerts continue
data: messages · purpose: service_operation
Account & Service Control · Restriction or exception
Small business is responsible for all transactions by users and Administrators
A small business customer is responsible for all transactions performed by the customer and any designated users, including Administrators, whether or not the customer specifically authorized the transactions. If the customer tells Bank of America that a person is no longer authorized, only transactions that person performs after the time of that notice are treated as unauthorized.
Supporting quotations
9. Additional Provisions Only Applicable to Small Business Accounts
You are responsible for all transactions performed by you and any designated user(s), including Administrator(s), whether you specifically authorize the transactions or not.
If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized
Qualifications & exceptions
Section 9 applies only to small business accounts
Applies whether or not the transactions were specifically authorized
Only transactions after notice of revoked authority are considered unauthorized
data: payment
Not stated here
How designated users and Administrators are set up is described in the Business Services Addendum, which is not supplied.
Account & Service Control · Company practice
Services available 24/7 except during maintenance and upgrades
Subject to the Agreement, the Services are available 24 hours a day, 365 days a year, except during system maintenance and upgrades. When that happens, a message is displayed online when you sign on.
Supporting quotations
The Services, subject to the terms of this Agreement, are available 365 days a year and 24 hours a day, except during system maintenance and upgrades.
When this occurs, a message will be displayed on-line when you sign on to use the Services.
Qualifications & exceptions
Not available during system maintenance and upgrades
purpose: service_operation
Not stated here
How often or how long maintenance may last is not stated.
Account & Service Control · Context
Call center hours and mailing address
Bank of America's call centers are open Monday through Friday from 7:00 a.m. to 10:00 p.m., and Saturday and Sunday from 8:00 a.m. to 5:00 p.m. local time, excluding bank holidays, and can be reached through the contact numbers given in the relevant sections of the Agreement. You can also write to Bank of America FL1-300-02-07, P.O. Box 25118, Tampa, FL 33622-5118.
Supporting quotations
Our Call Centers are available Monday through Friday from 7:00 a.m. to 10:00 p.m., and Saturday and Sunday from 8:00 a.m. to 5:00 p.m. local time, excluding bank holidays
may be reached through the contact numbers contained in the applicable sections of this Agreement
You may also write us at:
Bank of America FL1-300-02-07 P.O. Box 25118 Tampa, FL 33622-5118
Qualifications & exceptions
Local time
Closed on bank holidays
Not stated here
Whose local time applies is not specified.
Account & Service Control · Context
Business days exclude weekends and bank holidays; investment accounts differ
For the Services, business days are Monday through Friday, excluding bank holidays. For investment accounts only, all stock exchange closures and holidays (such as Good Friday) are also observed, in addition to bank holidays.
Supporting quotations
For the Services, our business days are Monday through Friday, excluding bank holidays.
For investment accounts only, all stock exchange closures and holidays will be observed (such as Good Friday) as well as the bank holidays.
Qualifications & exceptions
Investment accounts also observe stock exchange closures and holidays
Not stated here
The list of bank holidays is not given.
Account & Service Control · User right or choice
You may cancel any Service at any time in writing or by phone
The Services remain in effect until you or Bank of America ends them. You may cancel one or more Services at any time by notifying the bank in writing or by calling customer service at 800.432.1000; for small business accounts, call 866.758.5972.
Supporting quotations
The Services remain in effect until they are terminated by you or Bank of America.
You may cancel one or more of your Services at any time by notifying us of your intent to cancel in writing or by calling customer service at 800.432.1000.
For small business accounts, call 866.758.5972.
Qualifications & exceptions
Small business accounts use 866.758.5972
Account & Service Control · Context
Ending online banking User ID access ends the Services but not your accounts
If your online and mobile banking User ID access is canceled or terminated by you or Bank of America, your Services also end. Cancellation or termination applies only to the Services and does not terminate your Bank of America accounts.
Supporting quotations
If your online and mobile banking User ID access is canceled or otherwise terminated by either you or Bank of America, it will also terminate your Services.
Any such cancellation or termination applies only to your Services and does not terminate your Bank of America accounts.
Qualifications & exceptions
Accounts stay open
Account & Service Control · Company practice
Closing primary checking or all linked accounts cancels payments or Services
If you close your primary Bank of America checking account, or no eligible funding account remains linked to the Service, any unprocessed payments will be canceled. The Services also end if you close all Bank of America accounts linked to your profile.
Supporting quotations
If you close your primary Bank of America checking account, or there is no longer any eligible funding account linked to your Service, any unprocessed payments will be canceled.
The Services will also end if you close all Bank of America accounts linked to your profile.
Qualifications & exceptions
Applies to unprocessed payments
data: payment
Not stated here
Which account counts as the "primary" checking account is not defined here.
Account & Service Control · Permission or license
Bank may end your Services at any time for any reason, without required notice
Bank of America may end your participation in any or all Services at any time and for any reason. Listed reasons include inactivity; legal compliance (citing 12 U.S.C. 5531, 12 U.S.C. 5536 and 15 U.S.C. 1601 et seq.); avoiding material losses, costs and expenses from systems changes caused by a change in your legal status or other personal circumstances; giving you certain benefits and protections under those laws; security, system updates and operational risk; and protecting its rights under any note, contract or security instrument. The bank will try to notify you in advance but is not obligated to.
Supporting quotations
We may terminate your participation in any or all of your Services at any time and for any reason, including (i) inactivity
(ii) to ensure Bank of America is in compliance with all applicable State, Federal and local laws, rules, regulations, and obligations
12 U.S.C. § 5531, 12 U.S.C. § 5536, and 15 U.S.C. § 1601 et seq.
(iii) to avoid material losses, costs and expenses relating to systems changes arising out of your change in legal status or other personal circumstances
(iv) to afford you certain benefits and protections under the Laws
(v) to maintain security, implement systems updates and manage operational risks
(vi) to protect our rights under any promissory note, contract, agreement, or related security instrument
We will try to notify you in advance, but we are not obliged to do so.
Bank termination of Services does not affect mail, phone or branch access
If Bank of America ends your participation in any or all Services, you can still access your accounts by Traditional Access Methods. The Agreement defines these as mail, telephone, bill payment initiated through third-party financial institutions, and in-person financial centers, and says they remain in effect subject to the agreements that apply to them.
Supporting quotations
If we terminate your participation in any or all of your Services, the termination will not affect your ability to access your accounts by Traditional Access Methods.
(the “Traditional Access Methods”) which include by: (i) mail, (ii) telephone, (iii) bill payment initiated through third party financial institutions and (iv) in-person financial centers
Termination of the Services by Bank of America will not affect your Traditional Access Methods which will remain in effect and subject to the agreements applicable to the Traditional Access Methods.
Qualifications & exceptions
Traditional Access Methods stay subject to their own agreements
Not stated here
The agreements that govern Traditional Access Methods are not supplied.
Account & Service Control · Context
What Erica is and who can use it
Erica is a non-human bot feature of Digital Banking that may help you use certain functions by voice or text; for instance, you may be able to get balances, start transfers and pay bills, and the bank may add functions later. You can enable or disable certain Erica functions at any time under "Profile & Settings." To use Erica you must be enrolled in Online Banking and use the Mobile Banking app, and some or all capabilities may be unavailable for certain accounts or customers, or if your accounts are in a status not available in Mobile Banking.
Supporting quotations
Erica is a non-human, bot feature of Digital Banking and may help you engage with certain functionalities in a voice or text-assisted manner
you may be able to obtain account balances, initiate transfers, and pay bills
In the future, we may add new functionalities.
You may enable or disable certain Erica functions at any time in the "Profile & Settings" section.
You must be enrolled in Online Banking and use the Mobile Banking app to access Erica.
Some or all of Erica's capabilities may not be available for certain accounts or customers
may not be available if your accounts are in a status that are not available in Mobile Banking
Qualifications & exceptions
Requires Online Banking enrollment and the Mobile Banking app
Only certain functions can be enabled or disabled
Capabilities may be unavailable for some accounts, customers or account statuses
purpose: service_operation
Not stated here
Which accounts, customers or account statuses are excluded is not specified
Account & Service Control · Restriction or exception
You must check Erica's on-screen information; Erica may make mistakes
Erica knows about your relationship and products with Bank of America and communicates through voice and screen interactions. You are responsible for reviewing what Erica shows on screen and confirming it accurately reflects your requests or instructions. The agreement warns Erica may misunderstand you, lack complete information, make mistakes, or fail to work, and that it can act only on the current or historical status of certain of your Bank of America accounts, which may not reflect your full financial situation. The bank says you can always confirm account activity through the Mobile Banking app, Online Banking or your statements, and encourages you to do so.
Supporting quotations
Erica knows about your relationship with Bank of America and products and services you have with Bank of America.
Erica will communicate with you through voice and screen interactions.
You are responsible for reviewing the information that Erica displays on the screen and confirming that it accurately reflects your requests or instructions.
it is possible that Erica may misunderstand you at times, may not have complete information related to your request, may otherwise make a mistake in responding to you, or the technology may simply not work
Erica is only able to take actions and offer suggestions, information and other insights based upon the current or historical status of certain of your accounts with Bank of America, which may not reflect the full scope of your financial situation
You can always confirm your account activity through the Mobile Banking app, Online Banking, or your account statements, and we encourage you to do so.
Qualifications & exceptions
Erica's information is limited to certain Bank of America accounts
data: payment · purpose: service_operation
Account & Service Control · Procedure
Account communications are delivered electronically under your e-consent
As part of enrolling in the Services you consented to the Electronic Communications Disclosure, which lets Bank of America deliver account-related communications electronically by posting to your secure mailbox or its website, emailing you, or other electronic means. You must provide a valid email address and notify the bank of changes. You agree communications are delivered, in a form you can retain, once emailed or posted on the website, and you can view, save or print PDF versions of account documents on desktop, tablet or mobile.
Supporting quotations
As part of your enrollment in the Services, you consented to the
which allows us to provide you with account-related communications electronically
we will deliver these communications electronically by either posting the communication to your secure mailbox or to our website, sending it to your email address or by other electronic means
You are responsible for providing us with a valid e-mail address to accept delivery of electronic communications and you must notify us of any changes or updates to your email address.
You agree that once we email or post the communications within our website, we have delivered the Communications to you in a form that you can retain.
You have the option to view, save, or print PDF versions of your account documents from the Website via desktop, tablet or mobile device.
Qualifications & exceptions
Delivery is complete once emailed or posted on the website
You must keep your email address current
data: identifiers · purpose: service_operation
Not stated here
The Electronic Communications Disclosure itself is not supplied, including any withdrawal-of-consent or paper-copy terms