To assure timely payment and obt

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. 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. 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. 0000112014 00000 n

below.

There may be some risk in making a transfer to a slow-to-pay country. $45.00 (US Dollar transfer) $0.00 (Foreign currency transfer). Payments (other than payments to a Bank of America Payee) initiated before 5:00 p.m. This cancellation applies to your Services, and does not terminate your Bank of America accounts.

Alerts will be sent to the email address you have provided as your primary email address for online banking. 0000136910 00000 n Except for Remittance Transfers, 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 accessing the Transfers page and selecting To/From my accounts at other banks or To someone else or business This is the preferred method for cancelling transfers. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where Bank of America is headquartered for each day interest is due, computed on the basis of a 360-day year. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS, MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICES.

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This process may impact when fees apply to your account. You can access our Online Privacy Notice and U.S. Consumer Privacy Notice at https://www.bankofamerica.com/security-center/overview/, which are incorporated into and made a part of this Agreement by this reference. If you opt out, though, you may still receive generic advertising. You authorize us to make payments in the manner we select from the following methods: Electronic transmission. We make security and the protection of your information a top priority.

We shall not be liable for your attorney's fees, except as required by law.

WE AND OUR VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICES DESCRIBED OR PROVIDED. 0000094640 00000 n You may use the Service to transfer funds between your linked Bank of America and Merrill accounts without a fee on either a one-time or recurring basis, including as a payment to a linked installment loan, credit card or mortgage.

Payments can be entered as a one-time transaction up to a year in advance, recurring transactions or as payments that are automatically scheduled upon the receipt of an electronic bill (e-Bill). HSkPe~.(T&3i#b0X* @i+(hi@T-&q "+m e3~oH2;ArF(r(}L %}r}\`|%:}9[\[tpcM)=g,4*_5Du6lv_#SdNRbVoe%dwhM\D2_brB>*B#Y {U%015*I=J3u(~tR)s:b93#nR$SHg8Yz:QIyQI_tpq%.nNYB:'osxc,g/1M:4g7X1+aye2. 0000086360 00000 n

If you use the Services to move money between your investment accounts governed by the Merrill Lynch Brokerage Website Terms and Conditions, which you agreed to when you became a Merrill online customer, that agreement, and not this Agreement will apply to your transaction. 0000248194 00000 n

0000082706 00000 n APRs can vary by the type of transaction. 0000106439 00000 n The best way to cancel a future scheduled or recurring transfer is to follow the instructions on our website. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle. 0000117646 00000 n 0000122022 00000 n For example, in order to protect you, us, Zelle and the other Network Banks, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. 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. Please note that beneficiary banks located in some countries may take several days or even weeks to credit the receiving account. 0000016998 00000 n 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, and may be reached through the contact numbers contained in the applicable sections of this Agreement.

The confirmation code or number of the transaction. 0000017262 00000 n Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill.

0000015937 00000 n 1/ Higher limits may apply for Bank of America Private Bank, Merrill or small business accounts. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the payment or transfer to the date of the refund, but in no event to exceed 60 days' interest.

0000084911 00000 n 0000076654 00000 n In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

If we need to, well 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. By using Online Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable.

Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use.

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

0000109000 00000 n The U.S. Prime Rate is an important index used by banks to set rates on many consumer loan products, including credit cards.

0000118319 00000 n 0000102253 00000 n 0000012889 00000 n

0000086101 00000 n

Tell us at once if you believe your Online Banking password has been compromised or if someone has transferred or may transfer money from your account without your permission.

5/ To be eligible to receive a next business-day ACH transfer, you must first have received an aggregate of $500.00 in one or more three business day ACH transfers, and the first three business day ACH transfer must have been at least 60 days prior to the first next business day ACH transfer. If you prefer that we do not use this information, you may opt out of online behavioral advertising.

0000092611 00000 n

$iq*C\5x(h@zUD8Jd*te66__!wLwh|R eOJf0S+

0000110723 00000 n At your option, we may offer you the opportunity to add Payees from our service providers network or, with your consent, to access your credit report to help you identify Payees which you would like to add to this service.

0000012369 00000 n You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, (ii) inactivated or removed by your provider, or (iii) changed by you.

0000085418 00000 n Pursuant to this consent, we will deliver these communications electronically by either posting the communication to your online banking secure mailbox or to our website, sending it to your email address or by other electronic means. 0000095930 00000 n Three-Business-Day ACH transfers and Next-Business-Day ACH transfers may be made through the Automated Clearing House processor selected by us or directly to another bank, and you agree will be subject to the National Automated Clearing House Association rules or our agreement with the other bank, in effect at such time, as applicable. 0000081042 00000 n 0000090336 00000 n 0000110297 00000 n Bill Pay for Credit Card, Business Line of Credit or Vehicle Loan (automotive, recreational vehicle, boat or aircraft) Only Customers, D. Consent to Emails and Automated Text Messages, E. Receiving Money; Money Transfers by Network Banks, F. Sending Money; Debits by Network Banks, F. Special Rules for Remittance Transfers, A.

0000018961 00000 n 0000116487 00000 n International transfers may be subject to additional fees charged by intermediary, receiving and beneficiary banks. Zelle neither transfers nor moves money.

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0000105983 00000 n

0000009536 00000 n 0000124571 00000 n Bank of America customers may use Bill Pay to make payments to companies or individuals (Payees) in the following manner: When you attempt to schedule a payment, we will inform you of the earliest available delivery date.

0000095382 00000 n

For example, in order to protect you, us, Zelle and the other Network Banks, we may need additional time to verify your identity or the identity of the person receiving the money.

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. 0000108287 00000 n The Prime Rate is the rate of interest a bank offers to its most creditworthy customers.

Bill Discovery Service. 0000131111 00000 n It may take up to 2 business days for these updates to be reflected in your account balances, funds availability, and transaction posting. 0000117097 00000 n

0000081206 00000 n Your name and address or telephone number; 2. 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). 0000137634 00000 n

ET on a business day will be applied on the same day. 0000091496 00000 n 0000232170 00000 n 0000082244 00000 n THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOUTRUST. 0000016850 00000 n

0000093135 00000 n 0000137420 00000 n We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly.

If you need further assistance text HELP to any of the following codes for more information.

You can control mobile Push notification delivery within the Bank of America mobile app.

0000116950 00000 n 0000119878 00000 n

Next-Business-Day and Three-Business-Day ACH transfers are not available for international transfers. 0000098655 00000 n

0000116031 00000 n

In Case of Errors or Questions About Your Electronic Transactions, B. When you contact us, please provide the following information: Please explain as clearly as you can why you believe there is an error or why you need more information.

We will tell you the results within three business days after completing our investigation. 0

0000106989 00000 n 0000099235 00000 n 0000016507 00000 n 0000016278 00000 n You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been sent to you (or 90 days if the transaction was from an account maintained at another financial institution). 0000131538 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 of your password and we had a reasonable opportunity to act on such notice.

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