Bank of America Online Banking Service Agreement

Account & Service Control · Context

The agreement governs online and mobile banking between account owners and Bank of America, N.A.

The agreement is between each owner of an eligible account, a person applying for one, or an authorized representative with online access on another person's behalf, and Bank of America, N.A. It governs use of the online and mobile banking services Bank of America maintains and makes available through bankofamerica.com on a computer or mobile device. Bank of America says it provides the Services in its sole and absolute discretion as a convenience; they are optional and supplement the traditional ways of accessing accounts (mail, telephone, bill payment through third-party institutions, and in-person financial centers). If Bank of America terminates the Services, the traditional access methods remain in effect under their own agreements.

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)”)

Bank of America, in its sole and absolute discretion, provides the Services as a convenience to you.

Termination of the Services by Bank of America will not affect your Traditional Access Methods

Qualifications & exceptions

• Applies to services accessible through bankofamerica.com on a personal computer or mobile device.
• Traditional access methods stay subject to the agreements that apply to them.

Account & Service Control · Context

Eligible accounts include U.S. consumer and small business accounts and linked affiliate accounts

The Services let you obtain financial products and services, view account information and, for certain accounts, 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 those at Merrill Lynch, Pierce, Fenner & Smith Incorporated (Merrill). The agreement defines small business to include sole proprietors, non-consumer business entities and individual owners of the business, unless the context indicates otherwise. Small business customers are subject to additional or different terms, and to additional services available only to them, in the Business Services Addendum, which the agreement says is part of it.

Supporting quotations

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").

the term “small business” includes sole proprietors, non-consumer business entities, and individual owners of the business, unless the context indicates otherwise.

additional or different terms and conditions applicable to the Services, as well as additional Services available exclusively to small business customers, are included in the Business Services Addendum, which is a part of this Agreement.

Qualifications & exceptions

• Money movement is available for certain accounts only.
• Small business customers also fall under the Business Services Addendum's different or additional terms.

Not stated here

• The text of the Business Services Addendum is not stated in this section; later sections of this source may contain it.

Account & Service Control · Company practice

Eligible accounts, including joint accounts, are linked automatically; any authorized signer can instruct

When you first set up your Online/Mobile ID, Bank of America links all your eligible Bank of America and affiliate accounts, including joint accounts. If you open another eligible account later, it is linked to the Service unless you tell the bank not to. When the Service is linked to one or more joint accounts, Bank of America may act on verbal, written or electronic instructions from any authorized signer.

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.

we may act on the verbal, written or electronic instructions of any authorized signer.

Qualifications & exceptions

• Later-opened eligible accounts are linked unless you tell the bank not to.
• The joint-account statement says the bank may act on any authorized signer's instructions; it does not say all signers must agree.

Account & Service Control · Restriction or exception

Some services or features may be unavailable on certain devices or older app versions

Some Services, or certain features or benefits, may not be available at all times or on certain digital devices or applications. For example, some functions may be available online through a personal computer but not through the mobile app, or not if you do not have the most current version of the app. Keeping the mobile app current is your responsibility, and if Bank of America adds features, you may be unable to use them without the latest version.

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

It is your responsibility to maintain the most current version of our mobile app

Qualifications & exceptions

• The examples given concern computer versus mobile app availability and app versions.

Account & Service Control · User right or choice

Future dated or recurring transfers to others can be edited or canceled until 11:59 PM ET the day before

One-time future dated and recurring transfers can be edited or canceled before 11:59 PM ET on the day prior to the scheduled date. The suggested route is the website or mobile app, where edit and cancel features sit under the Pay & Transfer tab. You may also ask to cancel by calling 800.432.1000 for consumer accounts or 866.758.5972 for small business accounts, or calling collect at 925.681.7600 from outside the continental U.S. The phone route is described for cancelling, not editing.

Supporting quotations

One-time future dated and recurring transfers can be edited or canceled prior to 11:59PM ET on the day prior to the date the transfer is scheduled to be made.

The best way to edit or cancel a one-time future dated or recurring transfer is to follow the instructions on our website or mobile app.

call us collect at 925.681.7600.

Qualifications & exceptions

• Deadline is 11:59 PM ET on the day before the scheduled date, which differs from the midnight deadlines for internal transfers.

Account & Service Control · Permission or license

The bank may cancel, delay or block scheduled transfers for listed reasons and emails you if it blocks or cancels

By scheduling a transfer, including future dated and recurring payments, you agree that Bank of America may cancel it if the payment account is closed or lacks available funds, you are ineligible to use the Service, the recipient's account number is invalid, the recipient is deleted, for security reasons, an applicable limit is exceeded, or the transfer otherwise cannot be processed. The transfer may also be delayed or blocked to prevent fraud or comply with regulatory requirements. Bank of America will notify you by email if it blocks or cancels a transfer you initiated.

Supporting quotations

you agree and acknowledge that we may cancel any such transfer(s) for the following reasons: your payment account is closed or does not have available funds, you are ineligible to use the Service, the recipient’s account number is invalid, the recipient is deleted, for security reasons, applicable limit exceeded, or the transfer otherwise can’t be processed.

The transfer may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements.

We will notify you by email if we block or cancel a transfer that you have initiated using the Service.

Qualifications & exceptions

• The list ends with the open-ended reason that the transfer otherwise can't be processed.
• Notice is by email and is stated for blocks and cancellations; delays are not mentioned in the notice sentence.

Account & Service Control · User right or choice

External loan payments can be canceled until midnight ET the calendar day before; immediate payments cannot

Future scheduled and recurring payments to your Loan accounts from an account at another institution can be canceled before midnight ET on the calendar day before the scheduled date. A one-time immediate payment cannot be edited or canceled once submitted. The suggested route is the website's payment activity section of Transfers, or calling 800.432.1000 for consumer accounts or 866.758.5972 for small business accounts, or collect at 925.681.7600 from outside the continental U.S.

Supporting quotations

Future scheduled and recurring payments to your Loan accounts from your account at another financial institution can be canceled prior to midnight ET on the calendar day prior

A one-time immediate payment cannot be edited or canceled after it has been submitted.

The best way to cancel a future scheduled or recurring payment is to follow the instructions on our website. The cancel feature is found in the payment activity section of Transfers. You may also request to cancel a future scheduled or recurring payment 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

• The deadline is midnight ET the calendar day before the scheduled date.

Account & Service Control · Procedure

To cancel an external loan payment, use the website's payment activity section or call

The best way to cancel a future scheduled or recurring payment to a Loan account is to follow the instructions on the website; the cancel feature is in the payment activity section of Transfers. You may also ask to cancel by calling 800.432.1000 for consumer accounts or 866.758.5972 for small business accounts, or call collect at 925.681.7600 from outside the continental U.S. The cancellation deadline for these payments is midnight ET on the calendar day before the scheduled date, and a one-time immediate payment cannot be edited or canceled after submission.

Supporting quotations

The best way to cancel a future scheduled or recurring payment is to follow the instructions on our website.

You may also request to cancel a future scheduled or recurring payment by calling us at 800.432.1000 for consumer accounts and 866.758.5972 for small business accounts.

can be canceled prior to midnight ET on the calendar day prior to the date the payment is scheduled to be made.

A one-time immediate payment cannot be edited or canceled after it has been submitted.

Qualifications & exceptions

• Applies to future scheduled and recurring payments to Loan accounts from an account at another financial institution.
• Phone numbers differ for consumer and small business accounts.

Account & Service Control · Restriction or exception

Bill Pay section does not apply to small business customers in the Payments and Invoicing Service

The Bill Payment Services section is stated not to apply to small business customers participating in the Payments and Invoicing Service. That service is described as not open for new enrollment and as covered in Section 6 of the Business Services Addendum, which the agreement says is part of it.

Supporting quotations

This section is not applicable to small business customers participating in the Payments and Invoicing Service

Qualifications & exceptions

• Exclusion concerns only small business customers participating in the Payments and Invoicing Service.

Not stated here

• The text of Section 6 of the Business Services Addendum is not part of this card's source blocks.

Account & Service Control · User right or choice

You or the bank can stop e-Bills at any time; Payees need seven business days to process a stop request

You or Bank of America can cancel the e-Bill service, or a particular e-Bill, at any time. If you ask for a particular e-Bill to be discontinued, the Payee needs seven business days to receive and process the request. If an e-Bill from a Bank of America Payee is canceled, e-Bills already delivered but not yet paid 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.

we require seven (7) business days for the Payee to receive and process the request.

any e-Bills previously delivered but not paid will be removed from your list of payable e-Bills.

Qualifications & exceptions

• The seven business days is for a request to discontinue a particular e-Bill.
• Removal of delivered but unpaid e-Bills applies when an e-Bill from a Bank of America Payee is canceled.

Account & Service Control · User right or choice

Future-dated bill payments can be canceled until 5 p.m. ET three bank business days before delivery

To cancel a bill payment, including one scheduled from an account at another institution, follow the directions in Bill Pay, where the cancel feature is in the payment activity section, or call 800.432.1000 (consumer) or 866.758.5972 (small business), or collect at 925.681.7600 from outside the continental U.S. Future-dated or recurring payments can be canceled before 5 p.m. ET on the third bank business day before the scheduled delivery date; once a payment has begun processing it cannot be canceled. If a check has been issued, the stop payment provisions in the agreement for your funding account also apply to Bill Pay. If online banking access is ended, the cancellation section says future scheduled payments not already in process are canceled, with stated exceptions.

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.

You may also request to cancel a future scheduled or recurring transfer by calling us at 800.432.1000

Future-dated or recurring payments can be canceled prior to 5 p.m. ET on the third bank business day prior to the scheduled delivery date.

Once a payment has begun processing, it cannot be canceled.

any stop payment provisions that apply to checks in the agreement governing your bill pay funding account will also apply to Bill Pay.

we will cancel all future scheduled transfers and payments you set up using the Services which are not already in process; however, we will not, subject to certain exceptions, cancel any (i) Home Loan PayPlans, which you can manage by contacting us at the number on your mortgage loan statement, or (ii) internal transfers between your checking/saving accounts and your Merrill or Private Bank investment accounts, which you can manage through your Merrill or Private Bank online accounts, as applicable.

Qualifications & exceptions

• The deadline is 5 p.m. ET on the third bank business day before delivery; later, or once processing has begun, cancellation is not possible.
• The phone-cancellation sentence in the source speaks of a future scheduled or recurring transfer rather than a payment.

Not stated here

• The funding account agreement's stop payment provisions are not supplied in this source.

Account & Service Control · Restriction or exception

You may not let a third party use Zelle or share your credentials, except in legally authorized situations

You agree not to authorize a third party to use the Service or share your credentials with a third party to use it for you, except in legally authorized situations such as a legal guardianship or a power of attorney.

Supporting quotations

You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as for a legal guardianship or pursuant to a power of attorney.

Account & Service Control · Permission or license

The bank can suspend or end your Zelle use in its sole discretion and set other eligibility criteria

The Service lets you send or receive money using a consumer or small business deposit account. Bank of America reserves the right to suspend or terminate your use if it believes, in its 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 that you have otherwise violated the terms of using the Service. It may also set other eligibility criteria in its sole discretion.

Supporting quotations

The Service allows you to send or receive money using your consumer or small business deposit account.

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

• The trigger is the bank's own belief, not a finding.

Not stated here

• Other eligibility criteria are not stated.

Account & Service Control · Company practice

A Zelle tag can replace your phone or email, but the bank and Zelle may remove or change it without liability

The Service may let you add a unique alpha-numeric identifier to your profile, called a Zelle tag, to use instead of your mobile phone number or email address. Each tag must have an eligible U.S. mobile phone number associated with it and the number of tags is limited. You may not choose a tag that misleads or deceives other Users. Neither Bank of America nor Zelle has to monitor tags, but both have absolute discretion to remove a tag at any time and for any reason without notice, may require you to change it, and Bank of America may make a tag unavailable to you without liability. Both may monitor tags to detect fraud or violations. You may see offensive or objectionable tags, and neither is responsible for User tags or promises that a tag accurately identifies a User.

Supporting quotations

The Service may include functionality to add a unique alpha-numeric identifier to your registered profile

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.

both we and Zelle® have absolute discretion to remove a Zelle tag at any time and for any reason without notice.

We and Zelle® are not responsible for, and assume no liability, for any User Zelle tags

We and Zelle® make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Service.

Qualifications & exceptions

• The Service 'may' include tags, so availability is not guaranteed.
• Both Bank of America and Zelle may remove a tag; only Bank of America is stated to make a tag unavailable.

Not stated here

• The limit on the number of tags is not stated.

Account & Service Control · Restriction or exception

To enroll in Zelle you need an email address or a permanent U.S. mobile number, not a landline or VoIP number

You must give 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 cannot enroll with a landline, Google Voice number or Voice over Internet Protocol number.

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.

Account & Service Control · Company practice

After 18 months with no money received or requested, the bank may verify your phone or email and cancel enrollment

If while enrolled you receive no money and no request for money for 18 consecutive months, Bank of America may contact you or take other steps to confirm that the enrolled mobile number or email address still belongs to you. If it cannot confirm that you own it, or receives information that you do not, it may cancel your enrollment and you cannot send or receive money with the Service 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 cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.

Qualifications & exceptions

• Triggered by 18 consecutive months without receiving money or a request for money.

Account & Service Control · Procedure

You must promptly report changes to your enrolled email or number; undeliverable contacts may be deleted

You must immediately notify Bank of America if an enrolled email address 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. For your security, if the bank notices changes to your email or mobile number or cannot deliver notifications, it may delete it 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

if we notice changes to your email or mobile number, or we are unable to deliver notifications, we may delete it and notify you.

Account & Service Control · User right or choice

Texting STOP to 53849 cancels text messages and unenrolls you from Zelle

To cancel text messaging from Bank of America, text STOP to 53849, which unenrolls you from the Service. For help, text HELP to 53849 or contact customer service at 800.933.6262 for consumer accounts or 866.758.5972 for small business accounts. You expressly consent to a text message confirming your STOP request.

Supporting quotations

To cancel text messaging from us, text STOP to 53849. This will unenroll you from the Service.

You expressly consent to receipt of a text message to confirm your

Qualifications & exceptions

• Stopping texts unenrolls you from the whole Service, not only from texts.

Account & Service Control · Permission or license

The bank may end your ability to send money requests if it deems them unlawful, abusive, offensive or unwelcome

Bank of America reserves the right, without any obligation, to end your ability to send money requests in general 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

Qualifications & exceptions

• Applies if the bank deems requests potentially unlawful, abusive, offensive or unwelcome.

Account & Service Control · Procedure

Zelle payments can be edited or canceled in the app or website until 11:59 PM ET the day before

One-time immediate Zelle payments process immediately and cannot be edited or canceled before processing. One-time future dated payments can be edited or canceled until 11:59 PM ET the day before they are scheduled; recurring payments until 11:59 PM ET the day before the next payment. After a payment has begun processing, you may cancel it only if it is pending because the recipient has not yet enrolled. You edit or cancel by going to the Pay & Transfer tab of the website or mobile app, selecting Zelle and finding the Activity section.

Supporting quotations

One-time immediate Zelle® payments process immediately and cannot be edited or canceled prior to payment processing.

You may edit or cancel one-time future dated payments prior to payment processing until 11:59 PM ET the day before the payment is scheduled to occur.

You may edit or cancel recurring payments until 11:59 PM ET the day before the next payment is scheduled to occur.

After a payment has begun processing, you may cancel such payment only if the payment is pending due to the recipient not yet enrolling in the Service.

You may edit or cancel Zelle® payments by going to the “Pay & Transfer” tab of the Bank of America website or mobile app and tapping on “Zelle®” and locating the Zelle® “Activity” section.

Qualifications & exceptions

• Cancellation after processing begins is limited to payments pending because the recipient has not enrolled.

Account & Service Control · Restriction or exception

RTP payments come from a consumer checking account; the bank may require validation and may suspend your use

You agree not to send money for any purpose prohibited by law. You may make payments using your consumer checking account. Bank of America may require you to validate certain account information before you can send an RTP payment. It reserves the right to suspend or terminate your use of RTP if it believes, in its sole discretion, that you have violated these terms or are engaging in fraudulent or other illegal activity.

Supporting quotations

You agree that you will not send money to anyone for any purpose that is prohibited by law.

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.

We reserve the right to suspend or terminate your use of RTP if we believe, in our sole discretion

Qualifications & exceptions

• The trigger for suspension is the bank's own belief.

Account & Service Control · Procedure

For ACH and wire questions, cancellations or unauthorized transactions, call 800.432.1000 or write to the Tampa address

For transfers other than Remittance Transfers, including general questions, requests to cancel payments and transfers, or reports of unauthorized transactions, call 800.432.1000, or 866.758.5972 for small business accounts, 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. call collect at 925.681.7600. You may also write to Bank of America at FL1-300-02-07, P.O. Box 25118, Tampa, FL 33622-5118. Contact information for Remittance Transfers is 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.

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

• Hours are in local time.
• Remittance Transfers use different contact information.

Account & Service Control · Restriction or exception

Registering external accounts, and which transfer types are outbound only

To register a non-Bank of America account you must provide identifying information. For inbound transfers you agree to register only personal accounts that you own or have authority to transfer funds from, and if the bank cannot verify your ownership of a non-Bank of America account for any reason it will deny the request. Same-Business-Day Wire transfers are not available for inbound transfers, transfers to accounts outside the United States are available for outbound Wire transfers only, and ACH transfers are not available for international transfers.

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.

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.

Same-Business-Day Wire transfers are not available for inbound transfers.

Transfers to accounts located outside the United States are available for outbound Wire transfers only. ACH transfers are not available for international transfers.

Qualifications & exceptions

• The personal-account ownership agreement is stated for inbound transfers.

Account & Service Control · User right or choice

Future scheduled ACH and wire transfers can be canceled in Online Banking until midnight ET on the processing date

Except for Remittance Transfers, and where future scheduled and recurring transfer features are available to you, you can cancel future scheduled and recurring domestic transfers before midnight ET on the date processing is scheduled to begin, by logging into Online Banking; this is the preferred method. You may also ask to cancel by phone at 800.432.1000 for consumer accounts or 866.758.5972 for small business accounts, or collect at 925.681.7600 from outside the continental U.S. After you cancel a future-dated transfer its status changes to Canceled. If your online banking access ends, the cancellation section says future scheduled transfers not already in process are canceled, with stated exceptions.

Supporting quotations

you can cancel future scheduled and recurring domestic transfers prior to midnight ET on the date processing for the transfer is scheduled to be initiated by logging into your account in Online Banking

This is the preferred method for cancelling transfers.

After you cancel a future-dated transfer, the status changes to Canceled.

we will cancel all future scheduled transfers and payments you set up using the Services which are not already in process; however, we will not, subject to certain exceptions, cancel any (i) Home Loan PayPlans, which you can manage by contacting us at the number on your mortgage loan statement, or (ii) internal transfers between your checking/saving accounts and your Merrill or Private Bank investment accounts, which you can manage through your Merrill or Private Bank online accounts, as applicable.

Qualifications & exceptions

• Covers domestic transfers, not Remittance Transfers, and only where scheduled features are available to you.
• Deadline is midnight ET on the date processing is scheduled to be initiated.

Account & Service Control · Procedure

To report an error with a Remittance Transfer, call 877.337.8357 or collect at 302.781.6374 from outside the U.S.

If you think there has been an error or problem with your Remittance Transfer, call 877.337.8357, or from outside the U.S. call collect at 302.781.6374. The deadlines and what to include are in the next provisions of the same section.

Supporting quotations

If you think there has been an error or problem with your Remittance Transfer:

Call us at 877.337.8357; or, from outside the U.S. call us collect at 302.781.6374.

Account & Service Control · Procedure

You can also write about a Remittance Transfer error, and the bank points to wire transfer FAQs

You can write to Bank of America, N.A. at PO Box 25118, Tampa, FL 33622-5118 about a Remittance Transfer error or problem. The agreement says frequently asked questions about wire transfers, including error resolution procedures, can be viewed on a web page it names.

Supporting quotations

You can also write to us at:

Bank of America, N.A. PO Box 25118 Tampa, FL 33622-5118

Frequently asked questions about wire transfers including error resolution procedures, can be viewed by accessing

Not stated here

• The text of the wire transfer FAQs page is not supplied here, so this card cannot say what it contains.

Account & Service Control · Procedure

Report a Remittance Transfer error within 180 days; the bank decides within 90 days and reports in 3 business days

You must contact the bank within 180 days of the date it indicated funds would be available to the recipient, and tell it your name and address or telephone number, the error or problem and why you believe it is one, the recipient's name and, if known, telephone number or address, the dollar amount, and the confirmation code or number. The bank will determine whether an error occurred within 90 days after you contact it and promptly correct any error. It will tell you the results within three business days after completing its investigation; if it decides there was no error it sends a written explanation, and you may ask for copies of documents it used.

Supporting quotations

You must contact us within 180 days of the date we indicated to you that funds would be made available to the recipient.

Your name and address or telephone number;

The error or problem with the transfer, and why you believe it is an error or problem;

The name of the person receiving the funds

The dollar amount of the transfer; and

The confirmation code or number of the transaction.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly.

We will tell you the results within three business days after completing our investigation.

You may ask for copies of any documents we used in our investigation.

Qualifications & exceptions

• The 180 days run from the date the bank indicated funds would be made available to the recipient.

Account & Service Control · Company practice

General, Security and Automatic alerts go to your primary email; Security and Automatic cannot be turned off

The bank provides General & Security alerts when important changes are made to your account online, such as to your email, home address, telephone number, User ID or password, or for unusual card activity. They are activated automatically and sent to your primary email address; you may turn off General alerts but not Security alerts. Automatic Alerts give account notifications such as a money transfer, insufficient funds or paperless statement availability. They are activated automatically, sent to your primary email address only, 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

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

Automatic alerts are automatically activated and sent to your primary email address only. You may not turn off Automatic Alerts.

Qualifications & exceptions

• General alerts can be turned off; Security and Automatic alerts cannot.
• Automatic Alerts go to the primary email address only.

Account & Service Control · User right or choice

Account Alerts are opt-in and personalized insights are on by default, and both can be turned off

Account Alerts let you 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 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; insights are activated automatically and you can turn them off at any time.

Supporting quotations

Account Alerts allow you to choose optional alert messages for your accounts

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.

Account & Service Control · Procedure

Alerts go to your primary email, and optionally to a second email, text or push; you must report contact changes

Alerts are sent to the email address you provided as your primary email address. For General & Security and Account Alerts you can also choose a secondary email address, a mobile device that accepts text messages (Section 7.B) or push notifications to the mobile app, and you can control push delivery in the app. If your email address or mobile number changes you are responsible for informing the bank. Bank of America does not charge for delivering 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

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

• Secondary email, text and push options apply to General & Security and Account Alerts.

Account & Service Control · Procedure

Report errors or questions about electronic transactions by calling 800.432.1000 or writing to the Tampa address

For errors or questions about electronic transactions on consumer accounts, call 800.432.1000, or call collect at 925.681.7600 from outside the continental U.S. You may also write to Bank of America, FL1-300-02-07, P.O. Box 25118, Tampa, FL 33622-5118. Contact the bank immediately if your statement or transaction record is wrong, you need more information about a transaction, an unauthorized person has discovered your password for the Services, or someone has transferred or may transfer money from your account without your permission.

Supporting quotations

8. Error Resolution Procedures for Consumer Accounts

Call us at 800.432.1000

If you are calling from outside of the continental U.S., call us collect at 925.681.7600

FL1-300-02-07 P.O. Box 25118 Tampa, FL 33622-5118

Contact us immediately if you think:

Your statement or transaction record is wrong

You need more information about a transaction listed on your statement

An unauthorized person has discovered your password for the Services

Someone has transferred or may transfer money from your account without your permission

Qualifications & exceptions

• Section 8 is headed for consumer accounts.

Not stated here

• Your statements and transaction records are not part of this source, so this card cannot say what they show.

Account & Service Control · Restriction or exception

You must report an error within 60 days after the first statement showing it, or 90 days for certain Bill Pay transfers

The bank must hear from you no later than 60 days after it sent the first statement on which the problem or error appeared, or 90 days if it relates to a Bill Pay transfer funded from an account at another financial institution for payment to an external third-party Payee. For an error involving an unauthorized transaction, the agreement points to Section 8.B.

Supporting quotations

We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared

(or 90 days if the problem or error relates to a transfer initiated through the Bill Pay Service and funded from an account maintained at another financial institution for payment to an external, third-party Payee)

Please see Section 8.B below regarding reporting an error involving an unauthorized transaction.

Qualifications & exceptions

• The 90-day period applies only to Bill Pay transfers funded from an account at another financial institution for payment to an external, third-party Payee.

Account & Service Control · Procedure

If you report by phone the bank may require written confirmation within ten business days and asks for certain details

If you tell the bank verbally, it may require you to send your complaint or question in writing or by email within ten business days. When you contact it, provide your name and account number, the date and dollar amount of the transaction, the Payee's name if it is a bill payment, the transaction number if available, and a description of the transaction you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.

Supporting quotations

If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) business days.

Your name and account number

The date and dollar amount of the transaction in question

The name of the Payee if the transaction in question is a bill payment

The transaction number assigned, if available

A description of the transaction about which you are unsure

Please explain as clearly as you can why you believe there is an error or why you need more information.

Account & Service Control · Company commitment

The bank decides within 10 business days or investigates up to 45 days (90 for new accounts) with a provisional credit

The bank will determine whether an error occurred within 10 business days after hearing from you and will promptly correct any error it made. If it needs more time it may take up to 45 days to investigate, and in that case provisionally credits your account within 10 business days for the amount you think is in error. If it asks for your complaint in writing and does not receive it within 10 business days, it reserves the right not to provisionally credit your account. For errors involving new accounts, it may take up to 90 days to investigate and up to 20 business days to provisionally credit. It will tell you the results within 3 business days after completing its investigation, sending a written explanation if it finds no error, and you may request copies of the documents it used.

Supporting quotations

We will determine whether an error occurred within 10 business days after we hear from you, and we will promptly correct any error we have made.

we may take up to 45 days to investigate your complaint or question.

we will provisionally credit your account within 10 business days for the amount you think is in error

we reserve the right not to provisionally credit your account.

For errors involving new accounts, we may take up to 90 days to investigate your complaint or question and up to 20 business days to provisionally credit your account.

We will tell you the results within 3 business days after we complete our investigation.

If we conclude there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation.

Qualifications & exceptions

• The provisional credit commitment depends on the longer 45-day investigation, and the bank may withhold it if a requested written complaint is not received within 10 business days.
• New accounts have longer periods (90 days and 20 business days).

Not stated here

• The source does not define a new account.

Account & Service Control · Restriction or exception

Remittance Transfer errors follow Section 6.F, and the bank does not investigate disputes on external account statements

If your transaction was a Remittance Transfer, the agreement points you to the error resolution procedures in Section 6.F. Except for Bill Pay transfers funded from an account at another financial institution for payment to an external third-party Payee, Bank of America is not responsible for investigating or resolving errors or disputes for electronic transactions that appear on your External Account statement; you should contact the financial institution that provided that statement.

Supporting quotations

If your transaction was a Remittance Transfer

please see the error resolution procedures in Section 6.F.

Bank of America is not responsible for investigating or resolving errors or other disputes for electronic transactions that appear on your External Account statement.

Except for transfers initiated through the Bill Pay Service that are funded from an account maintained at another financial institution

Qualifications & exceptions

• The external account exclusion does not cover Bill Pay transfers funded from an external account for payment to an external third-party Payee.

Account & Service Control · Procedure

Bill Pay payments funded from an external account: contact the bank; they show on the other bank's statement

For Bill Pay transfers funded from an External Account and paid to an external third-party payee, you should contact Bank of America directly about questions or errors. The bank says it is responsible for this Service and for investigating and resolving errors in accordance with the agreement. It does not provide a separate periodic statement for these transfers, which appear on the statement from the financial institution that maintains the External Account.

Supporting quotations

you should contact us directly regarding any questions or errors concerning the transaction.

Bank of America is responsible for this Service and for investigating and resolving any errors in accordance with this Agreement.

We do not provide a separate periodic statement for these transfers.

Account & Service Control · Company practice

The Services are available 24/7 except for maintenance; call centers have set hours

The Services, subject to the agreement, are available 365 days a year and 24 hours a day except during system maintenance and upgrades, when a message is displayed on sign-on. The Call Centers are open 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, excluding bank holidays, and can be reached through the contact numbers in the applicable sections. You may also write to Bank of America at FL1-300-02-07, P.O. Box 25118, Tampa, FL 33622-5118.

Supporting quotations

are available 365 days a year and 24 hours a day, except during system maintenance and upgrades.

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

Bank of America FL1-300-02-07 P.O. Box 25118 Tampa, FL 33622-5118

Qualifications & exceptions

• Call center hours exclude bank holidays.

Account & Service Control · User right or choice

You can cancel Services by notice, ending User ID access ends them, and scheduled transfers not in process are canceled

The Services remain in effect until you or Bank of America terminate them. You may cancel one or more Services at any time by notifying the bank in writing or calling 800.432.1000 (866.758.5972 for small business accounts). If your online and mobile banking User ID access is canceled or terminated by either of you, your Services end too. This applies only to the Services and does not terminate your Bank of America accounts. If access ends, the bank cancels all future scheduled transfers and payments you set up that are not already in process, but, subject to certain exceptions, not Home Loan PayPlans or internal transfers between checking/savings and Merrill or Private Bank investment accounts, which you manage elsewhere. It recommends making alternative arrangements. If you close your primary Bank of America checking account or no eligible funding account remains linked, unprocessed payments are canceled, and the Services end if you close all accounts linked to your profile.

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.

Any such cancellation or termination applies only to your Services and does not terminate your Bank of America accounts.

we will cancel all future scheduled transfers and payments you set up using the Services which are not already in process; however, we will not, subject to certain exceptions, cancel any (i) Home Loan PayPlans, which you can manage by contacting us at the number on your mortgage loan statement, or (ii) internal transfers between your checking/saving accounts and your Merrill or Private Bank investment accounts, which you can manage through your Merrill or Private Bank online accounts, as applicable.

we recommend that you make alternative transfer or payment arrangements to ensure your transfers and payments are made on time.

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.

Qualifications & exceptions

• The scheduled-transfer exceptions are described as 'subject to certain exceptions', which the source does not list.
• Cancellation applies only to the Services, not to your accounts.

Not stated here

• The source does not list the 'certain exceptions' to the Home Loan PayPlan and investment-account carve-outs.

Account & Service Control · Permission or license

The bank may end your Services at any time and for any reason, and will try but need not notify you

Bank of America may terminate your participation in any or all Services at any time and for any reason, including inactivity; compliance with laws, rules and regulations (including the cited 12 U.S.C. and 15 U.S.C. provisions, defined as Laws); avoiding material losses, costs and expenses relating to systems changes arising from a change in your legal status or personal circumstances; affording you benefits and protections under the Laws; maintaining security, implementing system updates and managing operational risks; and protecting its rights under any promissory note, contract, agreement or security instrument. It will try to notify you in advance but is not obliged to. Termination does not affect your ability to access your accounts by Traditional Access Methods.

Supporting quotations

We may terminate your participation in any or all of your Services at any time and for any reason, including (i) inactivity

including, but not limited to, 12 U.S.C. § 5531, 12 U.S.C. § 5536, and 15 U.S.C. § 1601 et seq.

(v) to maintain security, implement systems updates and manage operational risks

We will try to notify you in advance, but we are not obliged to do so.

the termination will not affect your ability to access your accounts by Traditional Access Methods.

Qualifications & exceptions

• The listed reasons are examples ('including'); the right is 'at any time and for any reason'.
• Prior notice is attempted but not required.

Not stated here

• The text and effect of the cited statutes (as written in the source, with '§' entity markup) are not supplied here.

Account & Service Control · Permission or license

You consented to electronic delivery of account communications and must keep a valid email address

As part of enrollment you consented to the bank's Electronic Communications Disclosure, which allows it to provide account-related communications electronically. The bank delivers them by posting to your secure mailbox or its website, sending them to your email address or by other electronic means. You are responsible for giving a valid email address and for notifying the bank of changes. Once it emails or posts a communication on its website, it has delivered it in a form you can retain. You can view, save or print PDF versions of account documents from the website on desktop, tablet or mobile device.

Supporting quotations

As part of your enrollment in the Services, you consented to the

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.

once we email or post the communications within our website, we have delivered the Communications to you in a form that you can retain.

Qualifications & exceptions

• Delivery is treated as complete once the bank emails or posts the communication.

Not stated here

• The text of the Electronic Communications Disclosure is not supplied in this source, so this card cannot say what it covers beyond what is quoted.

Account & Service Control · User right or choice

Scheduled internal transfers can be canceled before a deadline; an immediate transfer cannot be canceled

Future scheduled and recurring transfers (other than to a Bank of America credit card account) can be canceled before midnight ET on the business day before the scheduled date. Future dated or recurring transfers to Bank of America credit card accounts can be canceled before midnight ET on the calendar day before. A one-time immediate transfer cannot be edited or canceled once submitted. The website's payment activity section is the suggested way to cancel; you may also call 800.432.1000 for consumer accounts or 866.758.5972 for small business accounts, or call collect at 925.681.7600 from outside the continental U.S. Separately, the cancellation section says that if online banking access is canceled or terminated, Bank of America cancels future scheduled transfers and payments not already in process, with stated exceptions for Home Loan PayPlans and internal transfers between checking/savings and Merrill or Private Bank investment accounts.

Supporting quotations

Future scheduled and recurring transfers (other than transfers to a Bank of America credit card account) can be canceled prior to midnight ET on the business day prior

A one-time immediate transfer cannot be edited or canceled after it has been submitted.

The best way to cancel a future scheduled or recurring transfer is to follow the instructions on our website. 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.

we will cancel all future scheduled transfers and payments you set up using the Services which are not already in process; however, we will not, subject to certain exceptions, cancel any (i) Home Loan PayPlans, which you can manage by contacting us at the number on your mortgage loan statement, or (ii) internal transfers between your checking/saving accounts and your Merrill or Private Bank investment accounts, which you can manage through your Merrill or Private Bank online accounts, as applicable.

Qualifications & exceptions

• Different cancellation deadline for transfers to Bank of America credit card accounts (calendar day prior) than for other scheduled transfers (business day prior).
• Termination of online banking access cancels scheduled transfers not already in process, subject to the stated exceptions.