Once a payment has begun processing, it cannot be canceled. 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. Instant transfer: If instant transfers are available on your account, you can send funds to your linked, external bank account 24 hours a day, seven days a week, for a 1.5% fee per transfer. Exchange rates fluctuate, at times significantly, and you acknowledge and accept all risks that may result from such fluctuations. A domestic wire transfer sent with Bank of America usually lands in the recipient's account within 1-2 business days. For information regarding your liability for unauthorized transactions, see section 8 of this Agreement. 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 Agreement governs your use of any online or mobile banking services maintained by Bank of America and accessible through bankofamerica.com using a personal computer or a mobile device, including a smartphone, tablet, or any other eligible handheld or wearable communication device (the Service(s)). Screen images simulated. 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. 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. It may take up to 2 business days for these updates to be reflected in your account balances, funds availability, and transaction posting. Learning all you need to know about ACH transfer limits and penalties. 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. It may take up to 2 business days for these updates to be reflected in your account balances, funds availability, and transaction posting. 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. You may not establish a financial account with Zelle of any kind. Transfers submitted after the cutoff time or on a non-business day will be credited on the next bank business day. You're continuing to another website that Bank of America doesn't own or operate. 1) From the Transfer money page, select the External account transfers tab. As mentioned above, the best way to transfer money from one account to another will depend on the circumstances. By enrolling in the Service and accessing it using your User ID and password, and such other security and identification methods as we may require from time to time, such as security questions or one-time passcodes, you acknowledge and agree that this system includes security procedures for transfers initiated through this Service that are commercially reasonable. From what account(s) can I make a bank to bank transfer? 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. Wire transfers can't be done on the Bank of America app. Select the option "Transfer Funds." Choose the account you want to withdraw from and the account that will receive the funds. Wire transfers enable you to transfer large amounts of money. If we decide that there was no error, we will send you a written explanation. 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. You can opt out of security alerts anytime by sending the word STOP to the applicable short codes below. Bank to bank transfers can be made between your M&T personal . Explore credit cards, savings or checking accounts, home loans and investment services. Bank of America wire transfer customer service. 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. For each transfer, we will e-mail a confirmation to you at the e-mail address indicated in our records. We do not accept any liability for our exchange rates. 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. Frequently asked questions about wire transfers including error resolution procedures, can be viewed by accessing https://www.bankofamerica.com/deposits/wire-transfers-faqs/. 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. 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. Bank of America may at its option accept your cancellations or amendments to a transfer. Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Furthermore, the beneficiary's bank may assess charges for their services, which will be deducted from the amount returned to you. For investment accounts only, all stock exchange closures and holidays will be observed (such as Good Friday) as well as the bank holidays. We will tell you the results within 3 business days after we complete 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. The cancel feature is found in the payment activity section of Transfers. The cancel feature is found in the payment activity section. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. 03:43. 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. The best way to minimize your loss is to call us immediately. Opting out of this alert will automatically stop these account restriction alerts from being sent to you. (Potentially) USD 10 and USD 100 in correspondent bank fees. Bank of Americas Zelle notifications are supported by many carriers, like AT&T, T-Mobile, Sprint, and Verizon Wireless. 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 You are responsible for resolving any such disputes you may have with the Payee to whom you sent a payment through RTP. Higher transactionlimits may also apply for Bank of America Private Bank, Merrill or small business accounts. Not so great if you are looking for varied transfer options. You agree that we may send notices and other communications, including password confirmations, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. Insights are automatically activated; you can turn off insights at any time. 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. You must select and activate account alerts; you can turn off account alerts at any time. Personalized insights and guidance to help manage your finances which are sent through Mobile app push notifications. There is often an ACH transfer limit for incoming and outgoing transactions. We will not be liable for any typographical, keystroke or other errors made by you. Any and all liability for our exchange rates is disclaimed, including without limitation direct, indirect or consequential loss, and any liability if our exchange rates are different from rates offered or reported by third parties, or offered by us at a different time, at a different location, for a different transaction amount, or involving a different payment media (including but not limited to bank-notes, checks, wire transfers, etc.). The best way to cancel a transfer is to log in to your account at www.bankofamerica.com and select Transfers>Send Money To Someone>Using their account number at another bank to access the right transfers activity tab. 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 we fail to process a payment in accordance with your properly completed instructions and the RTP requirements, we will reimburse you for any late payment fees charged by the Payee, in addition to any other remedies that may be available to you under Section 8 of this Agreement. 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. 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. If you do not agree with a change, you may discontinue using the Services. For the provisions governing our liability for ACH or Wire Transfers, please see Section 6.E above. CNN . 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.
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