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. ET on a business day will be applied on the same day. You acknowledge and agree that you are personally responsible for your conduct while using the Services, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless us, our Vendors, including our or their owners, directors, officers, agents 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 your use, misuse, errors, or inability to use the Services, or any violation by you of the terms of this Agreement or your breach of any representation or warranty contained in this Agreement. In addition to the fees already described in this Agreement, you should note that depending on how you access the Services, you might incur charges for: The Services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE OR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICES; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR OUR VENDORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 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. By using the Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. From the "Pay and transfer" tab, choose "External accounts." 2: Link 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. This process may impact when fees apply to your account. The name of the person receiving the funds, and if you know it, his or her telephone number or address; 4. This is the maximum amount you can transfer in a set time period per your bank's policy. Higher limits may also apply for Bank of America Private Bank, Merrill or small business accounts. below. Information from these sources may make it easier for you to make payments or add relevant e-bills to your Service. 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. What is the Transfer Limit of Bank of America? Except as otherwise provided in this Agreement, neither we nor Zelle shall have liability to you for any transfers of money under the Service, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Transfers submitted after the cutoff time or on a non-business day will be credited on the next bank business day. You have the option of adding a mobile phone number to your online banking profile. You can even make an appointment. In addition, if you chose to transfer money in foreign currency, the disclosures will also include the following items in such foreign currency: (x) the transfer amount, (y) the fees imposed by third parties in connection with the transfer, and (z) the total amount to be received by the recipient (which is the difference between (x) and (y) above.) Besides being aware of the amount a person . Please review the information for your state in the Personal Schedule of Fees (at www.bankofamerica.com/feesataglance or at your local Banking Center) and in the Online Banking Service Agreement at www.bankofamerica.com/serviceagreement. Press enter or escape to exit full-screen mode. Once you confirm your acceptance of the Remittance Transfer terms, you will be shown a receipt which includes the items listed above and, in addition, (i) the date the funds will be available to the recipient, (ii) information you provide that identifies the recipient, and (iii) a statement of your rights in the event of an error or if you wish to cancel the transfer, as described below. In most cases assuming both accounts are held with the same financial institution you can just log into your account online, and transfer money from one account to another. If you're experiencing difficulties with your wire transfers, you can contact Bank of America customer service with the following options. You can use the Real Time Payments Service (RTP) to receive a Request for Payment ("RFP") from other individuals or businesses with a bank account at a financial institution participating in RTP ("hereinafter Payee") and to pay such RFPs from an eligible checking account to that Payee using RTP. 1/ Higher limits may apply for Bank of America Private Bank, Merrill or small business accounts. 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 agree that we may, Zelle may or our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. All other scheduled and recurring transfers will be debited from the funding account at the beginning of the business day requested. Acknowledgment of Commercially Reasonable Security Procedures, G. Consent to Provide Electronic Communications, https://www.bankofamerica.com/deposits/wire-transfers-faqs/, Online Banking Electronic Communications Disclosure. One time transfers may be made at any time and are immediately debited from a checking or savings account's available balance. However, there are some exceptions. Call Bank of America at 877-337-8357. For help with SMS text alerts, send the word HELP to 692632. Bank of America money transfer fees are prohibitive for all those who maintain a USD account. Our liability for Three-Business Day ACH transfers and Next Business Day ACH transfers involving a transfer to or from a Bank of America consumer account is as described in this Section 8. Recurring payments are not available at this time. You acknowledge and agree that if a payment order relating to a transfer describes a beneficiary inconsistently by name and account number, payment might be made by the beneficiary's bank on the basis of the account number, even if it identifies a person different from the named beneficiary, and that your obligation to pay the transfer issued by you to us shall not be excused by such payment. You are also consenting to receive online banking Alerts using auto-dialer technology and to receiving text messages. Just like any other kind of deposit, internal transfers. Then, if everything looks good, select Schedule. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that we are not liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert or for any actions taken or not taken by you or a third party as the result of an alert. of this Agreement). You may send money to another User at your initiation or in response to that Users request for money. 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. For bank-to-bank transfers, all you need is the receiver's bank account information, including the routing number if applicable. We're sorry we weren't able to send you the download link. 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. General & Security Alerts are sent to you when important changes are made online to your account, such as changing your email or home address, telephone number, User ID or password, or unusual card activity. Select the account you want to transfer From and then the account you want to transfer To. The Service allows you to send or receive money using your consumer or small business deposit account. View your rate > Log InContact Us Products Follow . Thursday. 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. Select the date you want the transaction to occur, and tap Done once again. Based on those accounts linked to online profile used with IIT service. Some accounts and services, and the fees that apply to them, vary from state to state. Also, the state law applicable to your account may give you more time to report an unauthorized transaction or may give you more protection. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs. The liability for Three-Business Day ACH transfers and Next-Business Day ACH transfers involving a transfer to or from a Bank of America consumer account is described in Section 8 below. Transfers between Bank of America accounts that you submit on bank business days before the daily cutoff time will be credited to your account on the same business day. For inbound transfers, you agree that you will only attempt to register non-Bank of America personal accounts that you own or for which you have the authority to transfer funds. 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. Wells Fargo payments Easily make payments to your Wells Fargo credit and loan accounts. Returned item fees from the payee or overdraft fees may apply if you schedule payments or transfers and your available balance is not sufficient to process the items on the dates scheduled and/or on the dates when the items are presented to us for payment. The difference in fees between Bank of America and money transfer providers is high. You can opt out of this alert any time by texting STOP to 85594. 1/ You may be eligible for higher limits if you add Secured Transfer to receive a one-time passcode on your mobile device or register a USB security key. Automatic Alerts provide you with important account notifications, such as information about a money transfer, insufficient funds or availability of a paperless statement. 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. This type of transfer is quick but generally has a fee, depending on the institution. 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. If we need more time, however, we may take up to 45 days to investigate your complaint or question. Zelle provides no deposit account or other financial services. Please note that the exchange rate may be different from the original rate applicable to the transfer, which may result in a loss to you. Here's a summary of the cost of making an international wire transfer at Bank of America: USD 45 transaction fee for outbound international wires. This can be a problem for many individuals and businesses, as well as real estate professionals who often require larger money transfers from clients. 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 opt out, though, you may still receive generic advertising. By participating as a User, you represent that you are the owner of the email address, 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. Normal account fees and service charges, such as stop payment requests, check copy orders and account statement copy orders. 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. With Wise you can Send up to 1,000,000 USD per wire transaction Balance not sent instantly will be sent on your normal schedule. Payments can be scheduled from linked checking, money market savings, and HELOC accounts during the draw period. You agree that Bank of America may use any means or routes which we in our sole discretion consider suitable to execute your transfer. The liability for Remittance Transfers is described in Section 6.F. When you apply for, enroll in, activate, download or use any of the Services described in this Agreement or authorize others to do so on your behalf, you are contracting for all Services described in the Agreement and agree to be bound by the terms and conditions of the entire Agreement, as well as any terms and instructions that appear on a screen when enrolling in, activating or accessing the Services. 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 recommend that you not use the Service to make: Payments to settle securities transactions. Move funds between business and personal accounts Set future-date transfers up to a year in advance From the mobile app: 3 Use your fingerprint to securely log in. 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. 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. Transfer Bank Of America? You understand that when you send the payment, you will have no ability to stop it. Note: These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to business accounts. How do I link and confirm my other bank account? To restore text alerts, go to the Alerts Settings pages and reactivate the alerts. You may also request to cancel a future scheduled or recurring payment by calling us at. Bank of America charges a $3 ACH fee transferring to non-BOA accounts. Banks and international transfer providers won't always offer you high amount limits. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR ORYOU DO NOT TRUST. 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 you choose, you may turn off General alerts, but not Security alerts. Please note that the exchange rate will be different from the original rate applicable to the transfer, which may result in a loss to you. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the Service. 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. From outside of the U.S., call at 302-781-6374. FIRE, OUTAGES OF COMPUTERS OR ASSOCIATED EQUIPMENT, QUARANTINES, PANDEMICS. Bill Pay for Credit Card 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. 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. You may make payments using your consumer checking account. The rule is in place to help banks . We make no representations or warranties that the information contained in a RFP is accurate and complete. With respect to payment orders relating to the transfer which are executed through CHIPS, the CHIPS Operating Rules shall govern the payment orders. Below is the Funds Transfer schedule: Standard Delivery (3 Business Days) Requested by 12:00 AM CT cutoff time on: Destination account credited on: Monday. You may receive transfers from other Bank of America customers in the aggregate of $999,999.00 per week. Bill Pay for Checking, Money Market and Home Equity Line of Credit Accounts, B. We will notify you by email if we block a payment that you have initiated using the Service. If you have the recipient's account number and routing number, there is another way you can transfer money from your bank account into that account. 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).
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