Bankof America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.
To receive domestic and international wire transfers you will need to provide the sender your account information and the following information. To find your account number, log in to our Mobile App or Online Banking and select your receiving account.
Exchange rates fluctuate, at times significantly, and you acknowledge and accept all risks that may result from such fluctuations. If we assign an exchange rate to your foreign exchange transaction, that exchange rate will be determined by us in our sole discretion based upon such factors as we determine relevant, including without limitation, market conditions, exchange rates charged by other parties, our desired rate of return, market risk, credit risk and other market, economic and business factors, and is subject to change at any time without notice. You acknowledge that exchange rates for retail and commercial transactions, and for transactions effected after regular business hours and on weekends, are different from the exchange rates for large inter-bank transactions effected during the business day, as may be reported in The Wall Street Journal or elsewhere. Exchange rates offered by other dealers or shown at other sources by us or other dealers (including online sources) may be different from our exchange rates. The exchange rate you are offered may be different from, and likely inferior to, the rate paid by us to acquire the underlying currency.
We provide all-in pricing for exchange rates. The price provided may include profit, fees, costs, charges or other mark ups as determined by us in our sole discretion. The level of the fee or markup may differ for each customer and may differ for the same customer depending on the method or venue used for transaction execution.
In connection with our market making and other activities, we may engage in hedging, including pre-hedging, to mitigate our risk, facilitate customer transactions and hedge any associated exposure. Such activities may include trading ahead of order execution. These transactions will be designed to be reasonable in relation to the risks associated with the potential transaction with you. These transactions may affect the price of the underlying currency, and consequently, your cost or proceeds. You acknowledge that we bear no liability for these potential price movements. When our pre-hedging and hedging activity is completed at prices that are superior to the agreed upon execution price or benchmark, we will keep the positive difference as a profit in connection with the transactions. You will have no interest in any profits.
We also may take proprietary positions in certain currencies. You should assume we have an economic incentive to be a counterparty to any transaction with you. Again, you have no interest in any profit associated with this activity and those profits are solely for our account.
We do not accept any liability for our exchange rates. 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.).
Need to pay a friend back for lunch? Securely send and request money from almost anyone in minutes, no matter where they bank.1 You can also add recipients from your contacts and request money from multiple people to easily split a bill. Through our mobile app with Zelle,2 all you need is their mobile phone number or email address. 3
Between your personal Bank of America account(s) and the personal account(s) you own at other financial institutions, if you sign up for the transfers the outside Bank of America service area
Transfers with investment accounts you own at other financial institutions are available based on a defined list of investment firms within Online Banking. Transfers with investment accounts you own at Bank of America are only permitted with internal deposit accounts.
You can schedule future-dated transfers between your Bank of America accounts up to a year in advance. Recurring transfers can be made at regular intervals, such as once a week, once a month, every 3 months and more. There are some limitations to the types of accounts available for recurring or future-dated transfers. See the Online Banking Service Agreement or help within Online Banking for specifics.
Registered recipients who have Bank of America accounts and are receiving money from a Bank of America customer will have funds delivered immediately. Customers receiving money into accounts at other banks or receiving money from other banks will have funds delivered to their banks within 3 business days after registering an email address or mobile number.
You can make immediate transfers from your personal and business credit card to your linked checking or savings account. Transfers from your credit card will be treated as cash advances. Please see your card service agreement for more details.
If you would like to pay your Bank of America personal credit card bill, you can use the Transfer Funds function to make either immediate, future-dated or recurring transfers. All you need to do is select your credit card account as the 'To' account and follow the instructions.
You can make immediate, future-dated, or recurring payments from your account online using Transfer Funds. You also have several different payment options with this service - regular payment, principal only, and escrow only (mortgage only).
You can transfer funds among all of your business accounts except your business Certificate of Deposit (CD). Transfers from Business Credit Express line of credit accounts can be made only to your linked checking or savings accounts.
If you are a sole proprietor and have your personal and business accounts linked to your User ID, you can transfer funds between your eligible personal accounts and your business accounts. If you are not a sole proprietor, you cannot transfer funds from your personal accounts to your business accounts.
Need to pay a friend back for lunch? Securely send and request money from almost anyone in minutes, no matter where they bank.adatext You can also add recipients from your contacts and request money from multiple people to easily split a bill. Through our mobile app with Zelle,adatext all you need is their mobile phone number or email address.adatext
Show me how to send money with Zelle
Show me how to receive money with Zelle
You can make immediate transfers from your personal and business credit card to your linked checking or savings account. Transfers from your credit card will be treated as cash advances. Please see your card service agreement for more details.
If you would like to pay your Bank of America personal credit card bill, you can use the Transfer Funds function to make either immediate, future-dated or recurring transfers. All you need to do is select your credit card account as the "To" account and follow the instructions.
Business Card accounts can also be paid using bill pay functionality.
For transfers over specific dollar limits set by your account type, you will need to register for either Secured Transfer or a USB Security Key. You'll be prompted to register an additional security feature at the time of transfer. Follow the prompts for more details or review Additional Security Feature FAQs for more information.
Show me how to set up a domestic wire transfer
Show me how to set up an international wire transfer
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