Bank Of America Personal Deposit Account Agreement

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Information about our privacy and security practices and a link to our U.S. privacy policy can be found on our website at www.bankofamerica.com/privacy You can use the service to transfer funds between your bank of America-linked accounts, free of charge, on a single or recurring basis, including payment to a credit related to a credit, credit card or mortgage. As part of our online bank guarantee, we will refund all late deposit fees if we do not process a payment in accordance with your properly completed instructions. As mentioned above, some payments can be made by a personal cheque. Since we cannot predict the exact date on which a personal cheque will be submitted for payment, make sure you have enough credits in your account, starting a few days before your scheduled delivery date, and keeping these funds available until the payment is deducted from your account. If an account does not have sufficient resources by the scheduled date, we may choose not to initiate one or more transfers. If we decide to initiate the transfer that may involve one or more attempts on the following business days, this may lead to an overdraft in your account, in which case you will be fully responsible for the overdraft and overdraft fees, as stated in your deposit contract, as well as any late fees, interest or other measures of the beneficiary. 2/ Transfers to an American bank or savings account made according to the blackout period mentioned above, but before 11:59 a.m. .m. a working day in the state where your current or savings account was opened, will be reserved in your transaction history from the next business day, but included in the balance we use for that night`s transactions. This can affect the event that a fee is charged for your account. The service allows you to send or receive money through your customer or small business account.

We reserve the right to suspend or terminate your use of the service if, at our sole discretion, we believe that you are using the service for other purposes, or if we believe that you are using the service in any way, the bank of America or the liability cell, if you use the services to move money between your investment accounts, which is governed by the terms and conditions of the Merrill Lynch Brokerage site that you agreed to when you became a Merrill online customer, this agreement applies to your transaction. Note: These liability rules are established by Regulation E, which transposes the federal electronic money transfer law and does not apply to corporate accounts. Our accountability policy for unauthorized online banking on consumer deposit accounts can provide you with increased protection, provided you report transactions immediately.