Additional fees
Statement copies
(each)
$5.00 You can avoid this fee by viewing and printing your available statements in the
Statements & Documents tab in Online Banking instead of ordering a copy from us.
Check images $3.00 For each monthly statement that includes a printed check image
No fee Printable check images from the last 18 months are available online
Ordering checks Varies Depending on the style you choose
Card replacement $5.00 To replace an ATM or debit card when your card has not expired; additional $15
for rush delivery
Stop payment $30.00 Each request
Cashier's checks $10.00 Per check
Incoming wire
transfers (each)
$15.00 Domestic wire transfer
$16.00 Foreign wire transfer; other banks may charge additional fees.
Outgoing wire
transfers (each)
$30.00 Domestic wire transfer
$35.00 Foreign wire transfer sent in foreign currency; other banks may charge
additional fees.
$45.00 Foreign wire transfer sent in U.S. Dollars; other banks may charge additional fees.
Deposited item
returned (each)
$12.00 Domestic item
$15.00 Foreign item
Non-BankofAmerica
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 cut-off time.
• Mobile Check Deposit: Usually the next business day, if deposited by applicable cut-off times (please refer to Help in Mobile App). Dollar
limits apply to this service, vary by account and are communicated during the deposit process. Items you can't deposit using this
service include: U.S. Savings Bonds, checks from foreign banks, money orders, travelers checks and image replacement documents.
• If we place a hold on your deposit, we'll let you know the hold reason and when funds will be available for you to use. This is
typically provided at the time of deposit but may also be mailed later. Deposits greater than $5,000 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. After each business day ends, we'll group
transactions received that day into categories before posting them. We show below the most common categories, and common
types of transactions within each of them. We generally post transactions in the order shown below.
• Deposits: Added from highest to lowest dollar amount.
• Many debit transactions: Subtracted based on the date and time you made them (if the system knows the date and time of the
transaction). 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.*
• 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.
* If our system doesn't receive date and time information, or can't detect the check number, remaining transactions in these
categories are posted from highest to lowest dollar amount.
Get started with your account
Open this account with $25 or more. Visit bankofamerica.com/quickstart to make sure you're taking advantage of your new
account, including signing up for online banking.
Questions? Please call 1.800.432.1000 or visit a nearby financial center.
Additional fee waivers may be available to U.S. Trust
®
and qualified Merrill Lynch Wealth Management
®
clients. Please contact your advisor to learn more.
Banking products are provided by BankofAmerica, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of BankofAmerica Corporation.
© 2015 BankofAmerica Corporation. ARCXF6CB | 00-14-9315 | ALL STATES | 07/2015
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