Bank of America's simple tools and services work to help you stay on top of your accounts, which can help you prevent fees. Explore the options below to see what they can do for you.
Help track the status of all your accounts.
Online Banking helps you prevent fees by telling you what’s posted in your accounts. You can also see many of your pending transactions before they post. And, you can do it 24/7, wherever you have internet access1.
With Online Banking, you can:
- Track when your transactions have posted, so you can see what the bank has processed. That helps you to prevent overdraft fees on your checking account and over-limit fees on your credit card.
- Setup alerts that send account information automatically to your email or cell phone.
- Pay bills on time with e-bill reminders and automatic payments, so you can prevent late fees.
- Transfer funds to make your Bank of America credit card, loan and mortgage payments.
- Transfer funds to other bank accounts where you need the money the most.
Plus, you get features such as Zero Liability and SiteKeyTM to protect you from fraud and identity theft online. Both are free and part of Total Security Protection® from Bank of America—the industry leader in safe and secure online banking2.
Know your account activity automatically.
With free Online Banking Service, you receive Alerts via email or text message to your mobile device.3
Alerts can help you prevent late, overdraft and over credit limit fees by letting you know when:
- Your account balance drops below a level that you set.
- A direct deposit has been posted to your account.
- You reach a specified level on your credit card balance.
- A credit card payment is due.
- A check you've written has posted.
Enroll in Online Banking to receive e-mail Alerts. Once enrolled, login to Online Banking at www.bankofamerica.com and select Alerts at the top of the page.
To receive text message Alerts on your cell phone:
- Click on the Alerts tab.
- Under e-mail settings, click change e-mail.
- Click edit secondary e-mail address.
- Select Short Text under e-mail format.
- Follow prompts and enter your cell phone.
Know you've planned ahead.
Help prevent bounced checks and save on Overdraft Item and Returned Item fees. Here's how it works:
- With Overdraft Protection Service, available funds from your Bank of America savings account or credit card are automatically transferred to your checking account to help protect you when you're in an overdraft situation.
- With Savings Account Overdraft Protection,4 we charge an Overdraft Protection Transfer Fee each time we transfer funds to cover an overdraft. This fee is lower than an Overdraft Item or Returned Item fee.
- With Credit Card Overdraft Protection, transferred funds are subject to finance charges and possibly additional fees. These fees are usually lower than Overdraft Item or Returned Item fees unless you exceed your credit limit.5
Learn more about Overdraft Protection
Talk to your local banking center associate or call the customer service number on the back of your debit card, and say, "Talk to an Associate."
Open an account online and you'll get FREE checking. No direct deposit and no minimum balance is required. Plus:
- FREE Online Banking Service with Bill Pay
- FREE Bank of America Visa® Check Card with Total Security Protection®
- FREE access to your cash at 17,000+ Bank of America ATMs
This offer is available online for a limited-time only.6
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