Additional fees
Statement copies No fee Paper copies available upon request. Printable statements are available in Online
Banking.
Check images No fee Printable check images from the last 18 months are available online.
Ordering checks Varies Depending on the style you choose
Card replacement No fee For each ATM or debit card
$15.00 For rush delivery
Stop payment $30.00 For each request; WAIVED for requests on debit card or Bill Pay transactions
Cashier's checks $15.00 For each check
Domestic wire
transfers
$15.00 For each incoming wire transfer
$30.00 For each outgoing wire transfer
International wire
transfers
$15.00 For each incoming wire transfer
No fee For each outgoing wire transfer sent in foreign currency
$45.00 For each outgoing wire transfer sent in U.S. Dollars
For international wire transfers, other fees or amounts may also apply, including those charged by the recipient's financial institution, foreign taxes, and other
fees that are part of the wire transfer process. For more information, please refer to the Personal Schedule of Fees.
Non-Bank of America
Teller Withdrawal
Per transaction, greater of $5.00 OR 3% of the amount (maximum $10.00) when you use your ATM
or debit card, or card number, to make a withdrawal, transfer or payment at another bank and it is
processed as a cash disbursement.
When your deposits are available
• Cash, direct deposits, wire transfers: On the day we receive them.
• Checks: Usually the next business day, if deposited before the financial center or ATM cutoff time.
• Mobile Check Deposit: Usually the next business day if deposited by applicable cutoff times. Please refer to Deposit Checks, then
Help in the Mobile Banking app for additional details and terms and conditions.
• If we place a hold on your deposit, we'll let you know the hold reason and when your funds will be available. This is typically
provided at the time of deposit but may also be mailed later. Deposits greater than $5,525 and checks deposited within the first 30
days of account opening may be held longer.
How we post transactions
The way we post transactions impacts your account balance. If there's not enough available money in your account to cover all of
your transactions, the posting order can impact the number of overdraft fees you incur. At the end of each business day, we'll group
transactions received that day into categories before posting them. Below are the most common categories, and common
transaction types in each, in the order that they generally post to your account. Keep in mind that transactions that are still
processing may lower your available balance.
• Deposits: Added from highest to lowest dollar amount.
• Many debit transactions: Subtracted based on the date and time you made them. If our system doesn’t receive date and time of
the transaction, they are posted and subtracted from highest to lowest dollar amount. These include one-time and recurring debit
card transactions, one-time transfers, ATM withdrawals, and checks cashed with our tellers.
• Other checks you wrote: Subtracted in check number order, unless our system cannot detect the check number; then, the check
transactions are posted and subtracted from highest to lowest dollar amount.
• Most other electronic payments and preauthorized transfers: Subtracted from highest to lowest dollar amount. These include
scheduled transfers, online bill payments and preauthorized payments that use your account number.
• Most fees: Subtracted from highest to lowest dollar amounts.
Get the most out of your account
Review all the features and
benefits of your new account at
bankofamerica.com/quickstart
For questions, schedule an appointment
to visit a financial center at
bankofamerica.com/appointments
Call us at
800.432.1000
00-53-5421NSB
Additional fee waivers may be available to Bank of America Private Bank and qualified Merrill Lynch Wealth Management
®
clients. Please contact your advisor to learn more.
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies
that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
© 2024 Bank of America Corporation. 6176352 | 00-14-9315 | ALL STATES