Accessing your checking account Bank o* America checking accounts give you numerous ways to access your money and account in*ormation: Checks " Bank o* America VISA® and MasterCard® debit cards " Online Banking service " Text Banking " Over 18,000 Bank o* America ATMs " Over 5,800 Banking Centers and bank by phone " Managing your checking account Our checking accounts also give you options and the tools you need to help manage your money: " Direct deposit *or a quick and secure way to deposit *unds " Deposit Image ATMs *or *ast, more convenient deposits " Online Banking to access your account in*ormation 24/7 and help you keep track o* your balance " Text Banking to quickly request account and transaction in*ormation by text message Protecting your balance To help maintain control over your fnances and help prevent overdra*ts and declined transactions, consider these tips and techniques: Understand your Overdraft Setting, so you 9ll know how your transactions will be treated when you don 9t have enough money in your account. Your account is automatically set to the Standard Overdra*t Setting. This setting helps reduce your chances o* inadvertently overdrawing your checking account because we will only authorize ATM ... more. less.
transactions and everyday (non-recurring) debit card purchases when there 9s enough money in your checking or linked Overdra*t Protection account.<br><br> Otherwise, the transaction will be declined, so you won 9t pay an Overdra*t Item *ee (Read more under c Fees Related to Overdrawing Your Account d *or in*ormation regarding *ees *or overdrawing your account with other transactions such as checks, Online Bill Pay, or recurring debit card payments). Most customers will fnd the Standard Overdra*t Setting to be the right ft *or their accounts; i* you pre*er, you can switch to the Decline-All setting which means we will not authorize any payment, withdrawal or purchase that would cause your account to be overdrawn. When your ATM or debit card purchases are declined, you typically won 9t pay a *ee.<br><br> However, *or check, ACH, and other transactions that will be returned unpaid, (Non-Su*fcient Funds) NSF: Returned Item *ees will apply. Enroll in Overdraft Protection. Help prevent declined transactions and overdra*ts with Overdra*t Protection, which links your checking account to a second Bank o* America account.<br><br> I* you don 9t have enough money in your account to complete a transaction, Overdra*t Protection will automatically trans*er available *unds to your checking account. Keep track of your Available Balance. The Available Balance we show you contains the most recent in*ormation we have about your account.<br><br> It includes all transactions that we know about, but may not include all transactions that you have made, such as a check you have written but we have not received. We encourage you to record all o* your transactions in a check register. This can help you keep track o* your account balance and avoid overdra*ts.<br><br> Checking account Clarity Statement. Understanding the basics of Bank of America 9s FDIC-Insured checking accounts. Keep in mind that some deposits may not be available right away.<br><br> Funds *rom cash deposits, direct deposits or wire trans*ers are generally available the same day they are received. In most cases, *unds *rom check deposits are available to you by 9 am the frst day a*ter the deposit is considered received. However, in some cases, check deposits may be subject to holds which delay availability o* *unds.<br><br> I* your deposit is subject to a hold, we will provide you with a notice that includes the date and time in which your *unds will be made available. Learn about some checking account fees A Monthly Service Charge is the amount you pay *or the services and benefts associated with your account. You can usually avoid this charge by meeting certain criteria, such as maintaining a required minimum balance, using direct deposit or having other Bank o* America accounts linked to your checking account.<br><br> Fees related to overdrawing your account With the Standard Overdra*t Setting, you won 9t pay an Overdra*t Item *ee *or ATM transactions and everyday (non-recurring) debit card purchases 4 such as grocery or retail purchases 4 because they will be declined when you don 9t have enough money in your checking or linked Overdra*t Protection account at the time o* the transaction. However, there may be times when you overdraw your account with other transactions such as checks, Online Bill Pay, or recurring debit card payments. The *ollowing *ees may apply: An Overdraft Item fee is $35 per transaction and occurs when we pay a check or other withdrawal and there are not enough available *unds in your account or linked Overdra*t Protection account to cover the transaction.<br><br> - You are not charged this *ee i* your account is overdrawn by less than $10 on any given day. - You are charged no more than 4 Overdra*t Item *ees and NSF: Returned Item *ees in a given day. You should keep in mind, we pay overdra*ts at our discretion, which means we do not guarantee that we will always authorize and pay any type o* transaction.<br><br> For example, we typically do not pay overdra*ts i* your account is not in good standing or you are not making regular deposits. Overdra*ts are payable immediately. NSF: Returned Item fees are $35 per transaction.<br><br> When we do not approve or pay a check or other withdrawal, we will decline the transaction or return it to you as unpaid and charge you an NSF: Returned Item *ee, also known as Insu*fcient Funds *ee or Non-Su*fcient Funds *ee. An Extended Overdrawn Balance Charge is $35 and occurs when your account remains overdrawn *or 5 consecutive business days. An Overdraft Protection Transfer fee is charged i* you 9ve set up Overdra*t Protection *rom a linked account and we automatically trans*er *unds *rom that linked account when you overdraw your checking account.<br><br> Other fees that may apply to your account are listed in your Personal Schedule o* Fees. Please review it care*ully. Additional checking account information I* you have questions regarding your account, please call us at 1.800.442.6680.<br><br> For more about *ees related to your account, visit bankofamerica.com/factsaboutfees To view your Personal Schedule o* Fees, visit bankofamerica.com/feesataglance For tips on setting up and activating your account, visit bankofamerica.com/getstarted 93-53-2780NSB Please carefully read the Deposit Agreement, Schedule of Fees or Credit Card Agreement for your account. These documents are pr ovided when you open your account and contain full contractual terms and disclosures. If you would like another copy of one or all of these documents, you can get them in the following ways.<br><br> For your Deposit Agreement and Schedule of Fees, ask a banking center associ ate or call the telephone number on your account statement. For your Credit Card Agreement, call us at the telephone number on the back of your credit card. 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