Bank of America Debit Card Agreement and Disclosure

Except as otherwise provided in this Agreement or in your applicable account agreements and fee schedules, there is no Service Fee for accessing your accounts related to the Service. Looking for a credit card? Make a more informed decision by reviewing a sample credit card agreement before applying. Learn more about prices and fees so you can decide if a card is right for you. The final pricing and fee information will depend on your credit history, so keep in mind that the following credit card agreements are just examples (PDF, require Adobe Reader layers). Bank of America Credit Card, Business Line or Vehicle Credit Account customers Only customers can use Bill Pay in the following ways: Certain laws and regulations require us to provide you with certain information in writing, which means that you have the right to receive this information on paper. We may provide you with this information electronically if we first provide this electronic communication disclosure and obtain your consent to receive the information electronically. Your consent also applies to any other person named in your account, product or service, subject to applicable law. Because some of our accounts, products or services are provided online and use electronic means to provide some of this information, you must consent to such disclosure of electronic communication in order to use these services. Sometimes we may still send you paper communications, but in principle, we should know that you are prepared to receive communications electronically that we would otherwise need to provide on paper and that you have the necessary hardware and software to access this information (and note that in section #3 below, we explain: how you might be able to obtain selected disclosures or other information on paper, even after consenting to such electronic communication disclosure). We are not responsible for our exchange rates. Any liability for such information and the prices contained herein is excluded, including, but not limited to, direct, indirect or consequential damages, and any liability if our exchange rates differ from the rates offered or reported by third parties or are offered by us at another time, place, for a different transaction amount.

or any other means of payment (including, but not limited to, banknotes, cheques, bank transfers, etc.) For bank transfers, the exchange rate to be applied to the transfer will be indicated in the information provided to you for the transfer in accordance with federal law. One-time transfers can be made at any time and are immediately debited from the available balance of a current or savings account. A single transfer cannot be cancelled after it has been submitted. You have the right to cancel a transfer and receive a refund of all amounts paid to us, including fees, within 30 minutes of your confirmation of the transfer. The best way to cancel a transfer is to log into your account under www.bankofamerica.com and send transfers> money to someone >If they use their account number at another bank to access the right tab for transfer activity. Alternatively, you can call us at 877.337.8357, Monday to Friday from 7:00 am.m to 10:00 pm.m. and Saturday and Sunday from 8:00.m to 17:00.m. Local time. From outside the United States, call us at 302.781.6374. When you contact us, you must provide us with information that will help us identify the transfer you wish to cancel, including the amount and location to which the money was sent. We will refund your money within three business days of your request to cancel a transfer, as long as the money has not already been collected or deposited into a recipient`s account. 6/ For outgoing international transfers, the money will be debited from your Bank of America bank account on the business day you ask us to initiate the processing of the transfer.

Bank of America sends the payment that business day and, with the exception of bank transfers, the recipient`s bank usually receives the money 1-2 business days later and the funds are usually credited to the recipient within 2 business days. See section 5.F for special rules for transfers. This Agreement is between any Eligible Account holder, a person applying for an Eligible Account, or an authorized representative designated or authorized to access online on behalf of another person (“you” or “your”), and Bank of America, N.A. (Bank of America). This Agreement governs your use of online or mobile banking services operated by Bank of America through bankofamerica.com accessible through a PC or mobile device, including a smartphone, tablet, or other authorized portable or portable communication device (the “Services”). These notices will be mailed to the primary entry we provide to you on file, or otherwise delivered in accordance with applicable law or agreement. Your use of the Services may also be affected by your deposit agreement and disclosures, including the applicable fee schedule (“Deposit Agreement”) or any other agreement with us for your linked Bank of America accounts and/or an agreement with our affiliates for your partner accounts associated with the Service, including your investment accounts with Merrill. If an account is linked to the Services, this does not change any agreements you have already entered into with us or our affiliates for that account, and you will continue to be subject to the terms we have given you in the agreement and disclosure for the linked account.

The terms of these Account Agreements, including applicable fees, transaction restrictions, liability rules, and other restrictions that may affect your use of an account on the Services, form part of this Agreement. In the event of any conflict between the terms of these Account Agreements and this Agreement, the terms of the applicable Account Agreement shall prevail, unless expressly stated otherwise in this Agreement. As part of registering for online banking, you have consented to the disclosure of electronic communications in online banking (“Electronic Communications Disclosure”), which allows us to provide you with account-related communications electronically. Subject to such consent, we will transmit such communications electronically by sending the notice either to your secure online banking mailbox or on our website to your email address or by other electronic means. You are responsible for providing us with a valid email address to accept delivery of electronic communications and you must notify us of any changes or updates to your email address. You agree that as soon as we send the communications by email or by posting on our website, we will have delivered the communications to them in a form that you can keep. You can view, save, or print PDF versions of your account documents from the site using your desktop, tablet, or mobile device. We encourage you to print or download a copy of this Electronic Communication Disclosure, the applicable Service or Account Agreement and any other communications you may retain for your permanent records. If you have not yet included a copy of our Privacy Policy in your records, you may receive another copy of our Privacy Policy.

You may use the Service to transfer funds between your linked Bank of America accounts free of charge on a one-time or recurring basis, including as payment on a linked installment loan, credit card or mortgage. If you use the Services to transfer money between your investment accounts that are subject to the Merrill Lynch Brokerage Website Terms and Conditions that you agreed to when you became a Merrill Online Client, this Agreement and not this Agreement applies to your transaction. We will only use personal information in accordance with our Online Privacy Policy and U.S. Consumer Policy. Further information can be found on our website under www.bankofamerica.com/privacy. Please read this disclosure of electronic communications carefully – it contains important information about your legal rights. This electronic communication disclosure covers all of your accounts, products and services with Bank of America, Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill Lynch”) and their affiliates (collectively, “we”, “us” and “our”) that are or will be accessible through online banking (whether accessed via a PC or mobile device, sometimes referred to as “mobile banking” or “mobile banking app”). our websites or other electronic means.

This includes, but is not limited to, the following types of accounts, products and services: deposit, credit card, credit card, line of credit, loan, mortgage, brokerage, investment advice, insurance and others. The words “I”, “you” and “your” refer to any account holder, product owner and/or service user identified on an account, product or service. If we fail to complete a transaction to or from your account on time or in the correct amount in accordance with our agreement with you, we will be liable for your loss or damage. However, there are a few exceptions. For example, we are not responsible for: 3/funds transferred as payment to an eligible credit card, business line of credit, home equity line of credit during the draw period (“HOME EQUITY LINE”), installment loan or mortgage (collectively, “Loan Accounts”) will be credited on the date the payment is submitted. .