0000083650 00000 n fee cancelling 0000117444 00000 n Opting out of the alerts will automatically STOP all security alerts from being sent to you. fee cancelling 0000015431 00000 n The U.S. Prime Rate, as published daily by The Wall Street Journal, is based on a survey of the prime rates of the 10 largest banks in the United States. Transactions either made in a foreign currency or made in U.S. dollars and made or processed outside of the United States may be subject to a foreign transaction fee. 0000012369 00000 n Please note that beneficiary banks located in some countries may take several days or even weeks to credit the receiving account. 0000107445 00000 n In this case, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. 0000013233 00000 n The cancel feature is found in the Payment History or Recurring Payments sections. Bank of America, N.A.PO Box 25118Tampa, FL 33622-5118. We may terminate your participation in any or all of your Services for any reason, including inactivity, at any time. ACH and Wire transfers are alternatives that allow you to transfer funds when delivery of funds domestically by a specific date is critical or when you are transferring funds outside the U.S. Future scheduled or recurring transfers scheduled for a weekend or a non-business day will be processed on the prior business day. 0000248194 00000 n During this period, and in any other circumstance when we need additional time to verify the transfer details, a hold will be placed on your account for the amount of the transfer. Checkout fees can not be added to debit card transactions, even if credit is selected for the transaction. When used in the Agreement, the term small business includes sole proprietors, non-consumer business entities, and individual owners of the business, unless the context indicates otherwise. A checkout fee is an extra fee that a merchant has the option to add to your credit card or prepaid card transaction, subject to state law. 0000009278 00000 n FOR PURPOSES OF THIS AGREEMENT, VENDOR(S) MEANS ANY THIRD-PARTY SERVICE PROVIDER, NETWORK OR PARTNER FINANCIAL INSTITUTION WE MAY ENGAGE TO PERFORM FUNCTIONS FOR US UNDER THIS AGREEMENT. Payments to your vehicle loan account initiated before 5 p.m. Anyone who has access to your messages could view the alert information. 0000119500 00000 n Future dated or recurring transfers scheduled for a weekend or a non-business day will be debited from the funding account on the prior business day. 0000084594 00000 n We make security and the protection of your information a top priority. 0000017491 00000 n 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. 0000100955 00000 n Personalized insights and guidance to help manage your finances which are sent through Mobile app push notifications. 0000088074 00000 n You acknowledge that once you invoke the microphone in a session, Erica may capture, record, and transcribe other voices in addition to yours, and may continue recording for a period of time (up to 15 seconds) unless you close Erica or log out of the Mobile Banking app. 0000011365 00000 n To assure timely payment and obtain the full benefit of the Online Banking Guarantee described below, you must schedule payments, and your account must be in good standing and have sufficient available funds in the designated deposit account to cover the payment, at least five (5) bank business days before the payment due date, NOT the date after which late payment fees may be assessed. 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. 0000246750 00000 n 0000118140 00000 n You agree to indemnify, defend and hold harmless us, Zelle, our and their owners, directors, officers agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the Service. Payments to your Bank of America credit card up to $249,999.99, your business line of creditor vehicle loan account can be scheduled from a checking, money market savings or other consumer asset accountmaintained at another financial institution that you have added to Bill Pay. 0000082706 00000 n 0000124571 00000 n You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. A one-time immediate transfer cannot be canceled after it has been submitted. If the person to whom you are sending money does not enroll, set up an email address or mobile number and accept the transfer within 14 days, the transfer will be canceled. EqualHousingLender new window. You will need to provide certain identifying information about each non-Bank of America account in order to register that account for this Service. 2/ For Direct Payments Service, see the Business Services Addendum for details on fees and limits. Opting out of this alert will automatically stop these account restriction alerts from being sent to you. venturebeat 0000122022 00000 n You understand that use of this Service by you shall at all times be subject to (i) this Agreement, and (ii) your express authorization at the time of the transaction for us or another Network Bank to initiate a debit entry to your bank account. 0000147395 00000 n The checkout fee is a fee that a specific merchant has chosen to add to your credit card transaction. 0000145650 00000 n Payments can be entered as a one-time transaction up to a year in advance, or as payments that are automatically scheduled upon the receipt of an e-Bill. 0000096933 00000 n You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice). 0000090505 00000 n ET cut-off. Your rights with respect to Remittance Transfers will be explained to you in a disclosure provided to you at the time you initiate each Remittance Transfer. Please contact your advisor for more information on your limits. We may add, delete or change the terms of this Agreement at any time. 0000088781 00000 n Box 25118Tampa, FL 33622-5118. It may take up to 2 business days for these updates to be reflected in your account balances, funds availability, and transaction posting. 0000086360 00000 n Corporate check This is a check drawn on our account or the account of our vendor. 0000133295 00000 n 0000114743 00000 n If you think your password may have been compromised, or you believe there has been unauthorized or erroneous online activity with respect to your account, contact us at 866.758.5972. Text HELP for SMS help, or call us at 800.427.2449, For information about our privacy and security practices and a link to our U.S. Consumer Privacy Notice, go to our website at https://www.bankofamerica.com/privacy, Send us a secure online mail message or call us at 800.432.1000, If you are calling from outside of the continental U.S., call us collect at 925.681.7600, FL1-300-02-07P.O. For instance, we will not be liable: For the provisions governing our liability for Same-Business Day Outbound wire transfers and international transfers please see Section 5. You may only be eligible to enroll in one service. NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS, WARRANT THAT THE WEB SITE, OR THE SERVER THAT MAKES THEM AVAILABLE, IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. When you interact with Erica by voice, the discussions are recorded and saved for 90 days so they can be analyzed to help refine listening skills. Even if your Cash Advance or Balance Transfer balance is paid in full, you will have interest due (unless you have a 0% promotional rate for these transaction types). institutions 0000128112 00000 n nsf consumerist overdraft flush fees charge cash bank america let three account 0000131538 00000 n By enrolling in online and mobile banking, you will be automatically enrolled in the Banks merchant rewards program, BankAmeriDeals, whereby the Bank will share anonymized transaction information with vendors in order to facilitate your participation in the rewards program and present offers that may be of interest to you. 0000079929 00000 n For information regarding your liability for unauthorized transactions, see section 7 of this agreement. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked. 0000105269 00000 n 0000139119 00000 n 0000104689 00000 n Please check your mobile service agreement for details or applicable fees. On your mobile deviceLog in to the Mobile Banking app, select your credit card account, and scroll to Account Management. 0000120859 00000 n The price provided may include profit, fees, costs, charges or other mark ups as determined by us in our sole discretion. Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods); Materials that promote intolerance, violence or hate; Traveler's checks, money orders, equities, annuities, or currencies; Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etc. If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. 0000085418 00000 n Furthermore, a returning bank and/or beneficiary's bank may assess charges for their services, which will be deducted from the amount returned to you. 0000121183 00000 n We have no control over the actions of other Users, other Network Banks or other financial institutions that could delay or prevent your money from being delivered to the intended User. You are also responsible for the content of the memos you send using Zelle. Bank of America will send the payment out on that business day and, except for Remittance Transfers the beneficiarys bank typically receives the funds 1 to 2 business days later and the funds typically will be credited to the beneficiary within 2 business days. of this Agreement). Enroll in Online Banking today. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. We have partnered with the Zelle Network to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle or enrolled with another financial institution that partners with Zelle (each, a User) using aliases, such as email addresses or mobile phone numbers. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money. 0000080090 00000 n You can opt out of this alert any time by texting STOP to 85594. ET on a business day will be applied on the same day. You can text STOP to 692632 at any time to stop SMS text alerts that you activated on the Alerts Settings pages. 0000129907 00000 n You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. 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. Small business customers may transfer funds from their business checking account to an individual's or vendor's account at another financial institution, but may not transfer funds from an external account to their small business account. 0000012889 00000 n 0000134300 00000 n We will refer to financial institutions that have partnered with Zelle as Network Banks.. 0000105695 00000 n With respect to payment orders relating to the transfer which are executed through CHIPS, the CHIPS Operating Rules shall govern the payment orders. If you pay less than the full balance, pay after the payment due date or if your credit card does not have a grace period for Purchases, then you will pay interest on those transactions. Allrightsreserved. If we fail or delay in making a transfer pursuant to your instructions, or if we make a transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law or as otherwise provided in this Agreement, our liability shall be limited to correcting the error. You may cancel one or more of your Services at any time by notifying us of your intent to cancel in writing, through Online Banking secure mail, or by calling customer service at 800.432.1000. 0000114481 00000 n 0000111302 00000 n Member FDIC. 0000137420 00000 n 0000014055 00000 n 0000107707 00000 n 0000117792 00000 n However, with respect to Remittance Transfers, to the extent of any inconsistencies between the above referenced rules and the provisions of the Electronic Funds Transfer Act ("EFTA"), the provisions of EFTA shall prevail. If a corporate check is returned to you prior to the end of the ninety (90) day period, please inform us immediately so that we can stop payment on the check and re-credit your account. 0000109000 00000 n musiq In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. 0000131582 00000 n 0000127202 00000 n Limitation of Liability for Online Banking Transactions, C. Our Liability for Failure to Complete Transactions, D. Our Liability for ACH and Wire Transfers, B. 0000077437 00000 n 0000114025 00000 n 0000077130 00000 n below. You may request copies of the documents that we used in our investigation. Your statement or transaction record is wrong, You need more information about a transaction listed on your statement, An unauthorized person has discovered your Online Banking password, Someone has transferred or may transfer money from your account without your permission, 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 by Online Banking, if available, A description of the transaction about which you are unsure, If, through no fault of ours, you don't have enough available funds in your account (or available funds under your Balance Connect overdraft protection service), or credit to cover the transaction or transfer, If Online Banking services weren't working properly, and you knew about the malfunction when you started the transaction or transfer, If circumstances beyond our control (such as fire or flood) prevented the transaction or transfer, despite reasonable precautions we've taken, If there are postal delays or processing delays by the Payee, There may be other exceptions not specifically mentioned.

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