Bank of America Online Banking Service Agreement

Bank of America · agreement dated August 27, 2026 · Official agreement

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Retention & Deletion · Company practice

Erica voice interactions saved 90 days; masked transcripts retained

Bank of America uses a third-party service provider to provide Erica's voice responses, and the agreement says a record of your conversations is kept for quality assurance, to maintain and transcribe an accurate account of your interactions, and to find ways to make Erica's responses more helpful. Your voice interactions are saved for 90 days so they can be analyzed to refine Erica's listening skills. The bank retains transcripts of your interactions with personal data masked; no end date is stated for transcripts.

Supporting quotations

Bank of America uses a third-party service provider to provide voice responses, which keeps a record of your conversations for quality assurance
to maintain and transcribe an accurate account of your interactions with Erica, to identify opportunities to make Erica’s responses more helpful
Your voice interactions are saved for 90 days so they can be analyzed to help refine Erica’s listening skills.
We retain transcripts of your interactions, with the personal data masked.

Qualifications & exceptions

  • Voice interactions saved for 90 days
  • Transcripts retained with personal data masked

data: audio · data: messages · purpose: third_party_services · purpose: service_operation

Not stated here

  • The third-party service provider is not named
  • The sentence does not make fully clear whether the record of conversations is kept by the provider, the bank, or both
  • How long the conversation record is kept is not stated separately from the 90-day voice retention
  • Transcript retention period is not stated