Bank of America Online Banking Service Agreement

Use & Processing · Permission or license

Zelle participation includes consent to emails and automated texts, including from Zelle, other Users and Network Banks

By participating as a User, you represent that you own the email address, U.S. mobile number or other alias you enrolled, or have delegated legal authority to act for its owner. You consent to receive emails or text messages from Bank of America, from Zelle, from other Users sending you money or requesting money from you, and from 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 text messages to any U.S. mobile number you enroll.

Supporting quotations

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 of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement.

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

use automatic telephone dialing systems in connection with text messages sent to any U.S. mobile phone number you enroll.

Qualifications & exceptions

• Applies to the email address, mobile number or alias you enroll.
• Consent covers messages about the Services or related transfers between Network Banks and you.

Use & Processing · Permission or license

Adding a mobile number for text alerts certifies your authority and consents to auto-dialed texts

You may add a mobile phone number to your profile. By doing so you certify that you are the account holder for the mobile account or have the account holder's permission to use it, and you consent to receive alerts using auto-dialer technology and to receive text messages; text message fees may apply from your carrier plan. You can text STOP to 692632 at any time to stop SMS text alerts you activated on the Alerts Settings pages; alerts sent to your primary email address are not affected. To restore text alerts, reactivate them on the Alerts Settings pages. For help, send HELP to 692632.

Supporting quotations

Online Banking Alerts via Text Message

By adding a mobile phone number to your profile, you are certifying that you are the account holder for the mobile phone account or have the account holder

You are also consenting to receive alerts using auto-dialer technology and to receiving text messages.

You can text STOP to 692632 at any time to stop SMS text alerts that you activated on the Alerts Settings pages.

To restore text alerts, go to the Alerts Settings pages and reactivate the alerts.

Qualifications & exceptions

• Adding a mobile number is optional.
• STOP ends text alerts only; alerts to the primary email address continue.

Use & Processing · Context

Erica is a non-human virtual assistant that can show balances, start transfers and pay bills

Erica, Bank of America's virtual financial assistant, is a non-human bot feature of Digital Banking that may help you use certain functions by voice or text, for example obtaining account balances, initiating transfers and paying bills. The bank may add functions in the future. You may enable or disable certain Erica functions at any time in the Profile & Settings section. To use Erica you must be enrolled in Online Banking and use the Mobile Banking app, and some or all capabilities may not be available 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.

For instance, you may be able to obtain account balances, initiate transfers, and pay bills.

You may enable or disable certain Erica functions at any time in the

You must be enrolled in Online Banking and use the Mobile Banking app to access Erica.

Some or all of Erica

Qualifications & exceptions

• Capabilities may be unavailable for certain accounts or customers or account statuses.
• Only certain functions can be enabled or disabled.

Use & Processing · Company practice

Erica insights may arrive as push or text alerts with sensitive information, even if the app is closed

If you have enabled certain functions within Erica, you may receive insights or sensitive information through push or text alerts, possibly even if your Mobile Banking app is closed. Message and data rates from your mobile carrier may apply.

Supporting quotations

If you have enabled certain functions within Erica, you may receive insights or sensitive information through push or text alerts, possibly even if your Mobile Banking app is closed.

Message and data rates from your mobile carrier may apply.

Qualifications & exceptions

• Applies if you have enabled certain functions within Erica.

Use & Processing · Restriction or exception

You must review what Erica shows and confirm it matches your request, since Erica can misunderstand or err

Erica knows about your relationship with Bank of America and your products and communicates through voice and screen interactions. You are responsible for reviewing the information Erica displays and confirming that it accurately reflects your requests or instructions. The agreement warns that Erica may misunderstand you, may lack complete information, may make a mistake, or the technology may not work. Erica acts and suggests only from the current or historical status of certain of your Bank of America accounts, which may not reflect your full financial situation. You can confirm account activity through the Mobile Banking app, Online Banking or statements, which the bank encourages.

Supporting quotations

Erica knows about your relationship with Bank of America and products and services you have with Bank of America.

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.