If you opt out, though, you may still receive generic advertising. If you prefer that we do not use this information, you may opt out of online behavioral advertising.
FINAL DRAFT CUSTOMER SERVICE OFFLINE
This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. We strive to provide you with information about products and services you might find interesting and useful. The link for Account Balance History can be found just below your available balance on the Account Details screen in Online Banking. Keep in mind that Account Balance History is only available after transactions have posted to your account. Account Balance History in Online Banking would show how the $20 gas purchase, which was still processing, lowered your available balance to $30, which was less than the $40 check, causing an overdraft and an overdraft fee. The $20 gas purchase was still processing, so it didn't post to your account on May 1. If we cover the check, your account would be overdrawn by $10 and we would charge you a $10 overdraft fee.Īccount Details in Mobile and Online Banking would show the $40 check and the $10 overdraft fee for May 1.A $40 check you wrote comes through, which would exceed your available balance by $10.You buy $20 worth of gas, so your available balance is now $30.You can see how processing transactions and holds impacted your available balance and the order in which transactions were posted to your account by viewing your Account Balance History in Online Banking. Your Account Details section in Mobile and Online Banking show transactions that posted to your account on a given day. We charge overdraft fees when a transaction exceeds your available balance. You may also want to visit Better Money Habits to learn more about saving and budgeting or explore our Spending and Budgeting Tool. There are no overdraft fees with this account. If you need help spending only what's in your account, a Bank of America Advantage SafeBalance Banking® account may be right for you. You may want to consider Balance Connect ® for overdraft protection – With this optional service, we'll automatically transfer available funds from your linked backup account(s) to help cover purchases and payments or help prevent declined and returned transactions.
Insights from Erica – Get valuable insights from our virtual financial assistant such as Balance Watch, which lets you know if your account balance is trending toward $0.ĭon’t forget to account for checks you've written that we haven't received yet, as well as upcoming automatic payments and transactions where the final amount may change, such as when you add a tip to a restaurant charge.
Alerts – Get your available balance daily, be notified when certain types of transactions (such as scheduled payments) impact your available balance during the day and more.Mobile app – Check your available balance at any time, 24/7.We have some great tools that can help you monitor your account balance and activity: The best way to avoid overdrafts is to always make sure you have enough money to cover your purchases and upcoming payments. Please refer to the Deposit Agreement and Disclosures and the Personal Schedule of Fees for more details.
However, you may be charged a fee by the payee. We won't charge a fee when we decline or return an item unpaid due to insufficient funds. If we don't allow the payment to go through, we won't charge a fee.Īn ATM withdrawal, the transaction will be declined and we won't charge you a fee.Ĭheck, Bill Pay payment or a scheduled electronic payment using your routing and account number, we may allow the payment to go through, overdrawing your account, and may charge a fee. If you don't have enough money for:Ī one-time debit card purchase such as groceries or a cup of coffee, the transaction will be declined and we won't charge you a fee, but you may be charged a fee by the payee.Ī recurring debit card payment such as for a gym membership or subscription service, we may allow the payment to go through, overdrawing your account, and may charge a fee.
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