Give yourself a backup plan with no transfer fee.1

Balance Connect® for overdraft protection2 can help you cover your payments and purchases — and help avoid overdrafts3 — by automatically transferring available money from your eligible linked backup account(s).

We do not charge an Overdraft Protection Transfer Fee. Click here to see other fees that may apply1.


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How does Balance Connect®2 work?

With Balance Connect® for overdraft protection, if you’re about to overdraw your account, we’ll automatically transfer available funds from up to 5 eligible linked backup accounts to help you cover your purchase. This can help you avoid declined transactions, returned checks, and overdrafts.

If you’ve linked multiple backup accounts, we’ll automatically transfer available funds from those accounts in the order you set in your preferences. You can enroll and manage your preferences easily in the Mobile Banking app4 or Online Banking.

Note: Balance Connect® for overdraft protection is not available with Bank of America Advantage SafeBalance Banking® as a covered or linked backup account.

Enroll and manage your preferences

It's easy to enroll and manage your preferences

Balance Connect® offers features that can help you take charge of your finances.
  • manage icon


    your preferences quickly and easily in the Mobile Banking app4 or Online Banking.

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    up to 5 eligible Bank of America® backup accounts, such as another checking account, a savings account or a credit card.

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    the order of the accounts we use to help cover your transacations.

Don't wait — enroll in overdraft protection with Balance Connect®

Watch our video for more ways to help avoid overdraft fees

Don't have a backup account?

We have a range of different eligible account options to choose from.

checking account

Checking accounts that keep up with your life.

savings account

A savings account that comes wtih perks to help you reach your goals.

credit card

Find the right credit card that suits your needs.

Looking for more information?

Explore our tips, articles and resources designed to help guide your financial journey.
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