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Policies retrieved Oct 20, 2026 About these sources
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Finance
Online and mobile banking for viewing eligible accounts, accessing financial products, and moving money or making payments.
web.bankofamerica.com ↗U.S. adult consumer · plan and state unspecified
Originally analyzed Report updated
Explore what these saved policies say about your data, content, account, and payments.
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Some alerts are activated automatically and cannot be turned off; unencrypted alerts may show your name, balance, or due date to anyone who can access your messages.
The terms say immediate payments cannot be stopped or reversed, and neither service offers purchase protection for authorized payments that go wrong.
Unless you opt out within 60 days, covered disputes generally leave court and jury proceedings and cannot be brought as class or representative cases; eligible individual small-claims cases remain.
Some questions remain open in the saved text. Any supported findings appear below.
Some alerts are activated automatically and cannot be turned off; unencrypted alerts may show your name, balance, or due date to anyone who can access your messages.
The terms say alerts will not include your full account number.
Erica records and transcribes interactions; voice interactions are saved for 90 days, and a provider keeps a record of conversations for service purposes.
This applies when you use Erica. After you invoke its microphone, it may capture other voices and continue recording for up to 15 seconds after a statement it can answer, unless you close Erica or sign out.
Close Erica or sign out of the Mobile Banking app to stop the recording described in the terms.
Erica may capture other voices and keep recording for up to 15 seconds; the terms treat voice actions as authorized even if another person initiated them.
This applies when you invoke Erica's microphone; the terms say recording may continue unless you close Erica or sign out of the Mobile Banking app.
Close Erica or sign out of the Mobile Banking app to stop the recording described in the terms.
Some questions remain open in the saved text. Any supported findings appear below.
The notice allows online activity and account-relationship information to help select ads, including ads on non-affiliated sites.
You can opt out of interest-based advertising on participating non-affiliated sites, but tailored content may still appear in logged-in account areas. Opt-outs may need to be repeated after cookie, device, or browser changes.
Use the stated advertising opt-out options if you want to limit interest-based advertising on participating non-affiliated sites.
The agreement says online banking automatically enrolls you in Deals, which shares anonymized transaction information for offers and rewards.
The agreement calls the transaction information anonymized and says personally identifiable information will be used only if needed and in accordance with the referenced privacy notices.
If you authorize an outside service to connect, it may access information about you and your accounts, and its own agreement governs its use.
This applies if you authorize an outside aggregation service or give it your Bank of America credentials. The notice says you may revoke consent for certain third parties through Online Banking's Security Center.
Review the outside service's policies before sharing your account information.
No supported finding to show here. This does not mean the policy has no downsides in this area.
The bank may terminate any or all online services for any reason without being required to give advance notice, though traditional account access remains.
The terms cancel unprocessed scheduled transfers and payments when services end, so you may need other arrangements to avoid a missed payment.
The stated exceptions are certain Home Loan PayPlans and internal transfers between checking or savings accounts and Merrill or Private Bank investment accounts.
Make alternative transfer or payment arrangements if services end and scheduled items are canceled.
Unless you opt out within 60 days, covered disputes generally leave court and jury proceedings and cannot be brought as class or representative cases; eligible individual small-claims cases remain.
Consumers who are not small business customers may opt out within 60 days of first delivery, using the website or phone method stated in the agreement. Eligible individual small-claims cases are also excepted.
If you want to opt out, use the website or phone method specified in the agreement within the stated 60-day period.
The terms say immediate payments cannot be stopped or reversed, and neither service offers purchase protection for authorized payments that go wrong.
This concerns payments you choose to make through Zelle or RTP; limited cancellation options apply to some future-dated or still-pending payments, not immediate payments once processing begins.
For covered consumer accounts, the terms say you have no liability for unauthorized transactions reported within 60 days, or 90 days for specified Bill Pay transfers.
The stated protection applies to Bank of America accounts, with an exception for most transactions on an external account; the agreement identifies an exception for specified external-account Bill Pay transfers.
Originally analyzed . The original date marks this service’s first saved analysis, including earlier report formats. This report was generated .
This report was generated from saved policy text and checked in a second automated review. Automated interpretation can still miss or misread terms. The source documents were retrieved on Oct 20, 2026. Policies may have changed since retrieval.
These supporting documents didn’t fit within this report’s reading limit. Their contents are not included in the findings.