IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS AND AGENTS IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00). Outgoing Transfer Limits. In Case of Errors or Questions About Your Electronic Transactions, B. To restore text alerts, go to the Alerts Settings pages and reactivate the alerts. If the recipient has not yet enrolled, you may cancel by going to the Zelle section of the Bank of America website or mobile app and tapping on Activity. Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices. We usually notify you when we cancel alerts, but are not obligated to do so. You may make payments using your consumer checking account. Otherwise, Bank of America will cancel any scheduled payments within two (2) business days from the date we receive your request to discontinue the Service. In either case, although the bank allows large transfers, it still must report those over a certain amount. Please see Section 6.F for the cancellation procedures applicable to Remittance Transfers. There is no fee for sending or receiving a transfer under the Service. . In order to avoid potential duplicate payments to the same biller, you agree to turn off any e-bills or other duplicate electronic billings or recurring payment arrangements you have with the same Payee from whom you elect to receive a RFP. In the event of a conflict between the terms of those account agreements and this Agreement, the terms of the applicable account agreement will prevail unless this Agreement specifically states otherwise. We will notify you by email if we block a payment that you have initiated using the Service. If you owe $4,000 on another card and your Bank of America card has a credit limit of $3,000, you won't be able to transfer the entire amount. Unless indicated otherwise by the context, "linked Bank of America accounts" or "linked accounts" refers to all of your accounts with Bank of America and its affiliates that are linked to the Service. We do not offer a protection program for authorized payments made through RTP. Customers can save upwards of $35 by using specialist money transfer providers. 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, and from other Network Banks or their agents regarding the Services or related transfers between Network Banks and you. As mentioned above, the best way to transfer money from one account to another will depend on the circumstances. Upon your receipt of a RFP, you may respond by making a payment in an amount you designate to the Payee submitting that RFP or you can elect to disregard the RFP. If your transaction was a Remittance Transfer (transfer of funds initiated by a consumer primarily for personal, family or household purposes to a designated recipient in a foreign country), please see the error resolution procedures in Section 6.F. There are no receiving limits for Internal Transfers between your own accounts. Your use of the Services may also be affected by your Deposit Agreement and Disclosures, including the applicable schedule of fees (Deposit Agreement), or other agreement with us for your linked Bank of America accounts and/or an agreement with our affiliates for your affiliate accounts linked to the Service, including your investment accounts at Merrill. We may suspend or cancel your password even without receiving such notice from you, if we suspect your password is being used in an unauthorized or fraudulent manner. 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). . 1/Private Bank and Merrill Lynch Wealth Management clients may be subject to higher dollar limits and total transfers. Personalized insights and guidance to help manage your finances which are sent through Mobile app push notifications. individual retirement account or accounts that limit electronic fund transfers). See transaction limits Receive money Get set up so you're ready to receive money with Zelle. 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. Please contact your advisor for more information on your limits. There is often an ACH transfer limit for incoming and outgoing transactions. For information regarding your liability for unauthorized transactions, see section 8 of this Agreement. 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. We make security and the protection of your information a top priority. 6/ For international outbound transfers, funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer. You can discontinue a specific e-Bill by signing into Bill Pay and selecting cancel the e-Bill trial., To be removed from all future e-Bill trial enrollments, please e-mail customer care at. We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. If you are calling from outside of the continental U.S., call us collect at 925.681.7600. Next-Business-Day and Three-Business-Day ACH transfers are not available for international transfers. Finally, click Continue to review the details. A routing numberalso known as a bank routing number or ABA numberis a nine-digit code that identifies where an account is located. Payments entered after this cut-off will be scheduled and processed on the next calendar day. However, if you are new to this, or are just uncomfortable with the process, you can always just walk into your local branch and ask a teller to do it. Future-dated or recurring payments can be canceled prior to 5 p.m. Enter the Amount you'd like to transfer. If you are a small business customer and are not receiving the small business limits, make sure you are logged in with your small business User ID. Just open the app, sign into your account, and select Transfer/Zelle.. You can text STOP to 692632 at any time to stop SMS text alerts that you activated on the Alerts Settings pages. Screen images simulated. The exchange rate you are offered may be different from, and likely inferior to, the rate paid by us to acquire the underlying currency. Erica is the Banks virtual financial assistant (a bot) that provides automated responses to your questions. You may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Service. Relationship-based ads and online behavioral advertising help us do that. You may also request to cancel a future scheduled or recurring transfer by calling us at. As part of Online Banking enrollment, you consented to theOnline Banking Electronic Communications Disclosure (eCommunications Disclosure) which allows us to provide you with account-related communications electronically. 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. When you add an account maintained at another financial institution, you do not change the agreements you have with that financial institution for that account. Most Chase accounts have a $25,000 per day limit. You understand that when you send the payment, you will have no ability to stop it. The following limits will apply to payments sent using RTP*: *Private Bank and Merrill Lynch Wealth Management clients may be subject to higher dollar limits and total transfers. You can transfer a minimum of $1 to your bank, or your full balance if it's under $1. Like EFTs, if you need to wire more than $100,000 in one business day, you can call our customer service line for assistance. with the Bank of America Mobile Banking App. 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. Banks can (and often do) set limits on ACH transfers. From outside the U.S., call us collect at 302.781.6374. B. 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. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. The best transfer method. For Current Bank of America Cardholders. The topic of this . Bank of America's transfer limit varies on whether you are sending money through a consumer or business account. If we fail or delay in making a payment or transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount that we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. FIRE, OUTAGES OF COMPUTERS OR ASSOCIATED EQUIPMENT, QUARANTINES, PANDEMICS. Any obligations that you wish to pay through Bill Pay must be payable in U.S. dollars to a Payee located in the United States. The Services remain in effect until they are terminated by you or Bank of America. Payments to your Bank of America credit card or vehicle loan up to $249,999.99, 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. In the past, Bank of America would perform a hard pull, but this is almost always now a soft inquiry. A domestic wire transfer sent with Bank of America usually lands in the recipient's account within 1-2 business days. Banks can now allow savings account holders to make an unlimited number of transfers or withdrawals, the Federal Reserve Board announced Friday. Allrightsreserved. Prior to April 24, 2020, Reg. The scheduled delivery date is the date you enter for the payment to be delivered to the Payee. In the case of any messages that you may send through either us or, Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or, To cancel text messaging from us, text STOP to. You will need to provide certain identifying information about each non-Bank of America account in order to register that account for this Service. If a transfer is returned by the receiving bank or beneficiary's bank for no fault of ours, we will credit your account at the current Bank of America retail buy rate for the currency that day (see below). You can transfer money between Bank of America accounts directly at the machine as long as those accounts are linked to a single debit or ATM card. 1/ Higher limits may apply for Bank of America Private Bank, Merrill or small business accounts. For payments made by personal check, the account you designate will be debited when the check is presented to us for payment which may occur before, on or after the scheduled delivery date. FURTHER, WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR FAILURE TO EXECUTE ANY TRANSFER OR PERFORM A RELATED ACT IF SUCH FAILURE IS DUE TO CAUSES OR CONDITIONS BEYOND OUR REASONABLE CONTROL, INCLUDING WITHOUT LIMITATION, STRIKES, RIOTS, INSURRECTION, WAR, MILITARY OR NATIONAL EMERGENCIES, ACTS OF GOD, NATURAL DISASTERS. Balance Connect for overdraft protection is an optional service which allows you to link your eligible checking account to up to 5 other Bank of America accounts and automatically transfers available funds from your linked backup account(s) to cover transactions that exceed the available balance in your checking account. 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 6. You understand and acknowledge that a person to whom you are sending money and who is not enrolled as a User may fail to register with Zelle, or otherwise ignore the payment notification, and the transfer may not occur. Currently, the Real Time Transfer option is only available for transferring between your own accounts of Chase and other financial institutions, not to transfer to other people's accounts. At least on Core Checking. The provisions of Sections 10.A, B and C shall survive termination of this Agreement. Tap "Transfer | Zelle" and then "Send." Select or add your recipient. If a User ignores your request, we may decide or Zelle may decide, in our sole discretion, that we will not send a reminder or repeat request to that User. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION OF PROBLEMS CAUSED BY VIRUSES OR OTHER HARMFUL COMPONENTS. View your rate > Log InContact Us Products Most transfers of money to you from other Users will occur within minutes. 5. Transfers submitted after the cutoff time or on a non-business day will be credited on the next bank business day. If an account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. You represent that you have the authority to authorize payments from the enrolled bank account. The minimum amount for each bank wire is $100. You may receive transfers from other Bank of America customers in the aggregate of $999,999.00 per week. Bank of America will have no liability to you for any unauthorized payment or transfer made using your password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Savings Account ACH Transfer Limits. The confirmation code or number of the transaction. 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. Examine the balance transfer offer provided by . 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. 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. 4 Although the Fed has removed those limits, some. 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. 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. However, alerts may include your name and some information about your accounts, such as your accountbalance or due date. Under our Online Banking Guarantee, if we fail to process a payment in accordance with your properly completed instructions, we will reimburse you for any late payment fees. You can opt out of this alert any time by texting STOP to 85594. ET cut-off. Bank of America credit card or vehicle loan account only customers may use Bill Pay in the following manner: E-Bills is a feature of the Bill Pay Service that enables you to receive bills electronically from participating Payees. Same-Business-Day Wire transfers are not available for inbound transfers. It offers tax advantages that allow you to keep more of your hard-earned money, plus you can use it now or save it to cover health care costs in the future. 3/ Funds transferred as a payment to an eligible credit card, business line of credit, home equity line of credit during draw period (HELOC), installment loan or mortgage (together Loan Accounts)after the applicable cut-off time indicated above but by 11:59 p.m. The Fed Reg D restricted withdrawals or transfers from savings accounts to six per month. Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. When you enroll to use RTP to receive RFPs or send payments, you agree to the terms and conditions of this Agreement. Bank of America: Up to $3,500: Up to $20,000: Chase - For personal checking accounts: up to $2,000 - For private client and business checking accounts: up to $5,000 - For personal checking accounts: up to $16,000 - For private client and business checking accounts: up to $40,000: TD Bank - Instant transfers: up to $1,000 If an account has sufficient funds on the scheduled date and we initiate the transfer but the account does not have sufficient funds when the payment posts to your account, we will not charge an insufficient funds fee to your deposit account, but you may incur late fees, interest charges or other action taken by the Payee. Log in to the online account and select "Transfers.". Chase added a feature to their checking accounts to be able to send ACH transfers between bank accounts instantly. You further acknowledge and agree: Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the Service, you have no ability to stop the transfer. Equal Housing Lender 2022 Bank of America Corporation. Payments to your credit card or business line of credit account initiated by 11:59 p.m. For small business customers, if you transfer funds in U.S. dollars to a non-U.S. dollar account, your payment may be converted into the local currency by any originating, intermediary or receiving bank, payment system or payment service provider, including Bank of America or an affiliate, as applicable. Move money between accounts or between banks 1 Between your accounts Balance low? From outside of the U.S., call at 302-781-6374. The following applies to Same-Business Day Domestic Wire transfers and all ACH and Wire transfers from a business account. Except for Remittance Transfers, if you direct us to begin processing a transfer immediately or a transfer's status is In Process or Processed, you no longer have the right to cancel it. Payments can be scheduled from linked checking, money market savings, and HELOC accounts during the draw period. You acknowledge that if Bank of America attempts to cancel or amend a transfer, then the reversal request or amendment must be agreed to by each financial institution which has accepted a payment order related to the transfer at issue before it will be acted upon and you further agree that Bank of America shall have no liability if a cancellation or amendment is not completed. On screen copy: The Zelle related marks are used under license from Early Warning Services, LLC. You agree that once we email or post the communications within our website, we have delivered the Communications to you in a form that you can retain. If a check has been issued for your bill payment, any stop payment provisions that apply to checks in the agreement governing your bill pay funding account will also apply to Bill Pay. 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. You further agree that Bank of America will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business.

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