Bank of America Online Banking Service Agreement

Use & Processing · Company practice

Checks may share an envelope and Payee account numbers may be reformatted

Check payments to different Payee names may be mailed in one envelope when they share a mailing address and the Payee has not registered its full mailing address, including any secondary designation such as a suite or unit, with the USPS. If it needs to, Bank of America will change or reformat your Payee account number to match what the Payee requires for electronic payment processing and eBill activation.

Supporting quotations

Bill Pay payments sent via corporate or personal check with different Payee names may be combined in one envelope if those payments have the same mailing address, and your intended Payee has not registered their full/unique mailing address with the USPS, including their secondary address designation

If we need to, we’ll change or reformat your Payee account number to match the account number or format required by your Payee for electronic payment processing and eBill activation.

Qualifications & exceptions

• Combined envelopes only when the Payee lacks a full USPS-registered address
• Account numbers are reformatted only when needed

data: identifiers · purpose: service_operation

Use & Processing · Company practice

Erica uses AI to interpret requests but picks from pre-defined answers

When you ask a question, Erica uses AI, including natural language processing, to analyze your words and work out your intent, then selects the most appropriate response from a pre-defined set of answers. The agreement says Erica does not use generative AI or large language models and does not automatically generate new responses based on its interactions with customers.

Supporting quotations

Erica uses Artificial Intelligence (“AI”) to analyze your words to understand your intent

Erica will select the most appropriate response from a pre-defined set of answers.

This process involves leveraging natural language processing to interpret and respond to customers’ queries effectively.

Erica does not use generative AI or large language models

Erica doesn’t automatically generate new responses based on interactions she has with customers.

Qualifications & exceptions

• Responses come from a pre-defined set of answers

data: messages · data: audio · purpose: service_operation