Important notice:

You are now leaving a Bank of America website.

By clicking Continue you will be taken to a website that is not affiliated with Bank of America and may offer a different privacy policy and level of security. Bank of America is not responsible for and does not endorse, guarantee or monitor content availability, viewpoints products or services that are offered or expressed on other websites. Please refer to the website’s posted privacy terms and use.

You can click the Continue button to proceed or the Cancel button to return to the previous page.

Continue Cancel

Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Bank of 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 learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

How to avoid overdraft fees
Balance Connect® for overdraft protection

How to help avoid overdraft fees

Take advantage of tips and tools that can help you manage your account and avoid overdraft fees.

womand and her dog looking at a laptop

What is an overdraft?

An overdraft¹ happens when you don’t have enough money available in your checking account to cover a purchase or a payment. When this occurs, one of three things can happen:

The transaction will be declined, and we won’t charge you a fee.
We allow the transaction to go through, overdrawing your account, and may charge an overdraft fee.
If you’re enrolled in Balance Connect® for overdraft protection,² your transaction is covered with available funds from an eligible linked backup account.

For more information on overdrafts, please visit our frequently asked questions (FAQs).

Ways to help avoid overdraft fees

Learn more about options you can use to help avoid overdraft fees.

Balance Connect® for Overdraft Protection²

Cover your payments and purchases — and help avoid overdrafts — by automatically transferring available money from your eligible linked backup account(s).

Digital Tools

Use our Mobile Banking app³ to check your available balance and to set up alerts⁴ like account balance, payment, Erica® Balance Watch⁵ and more.

It’s easy to set up mobile alerts.

Try our guided demo

An account with no overdraft fees

With Bank of America Advantage SafeBalance Banking®, there are no overdraft fees. It's a straightforward and convenient banking option that helps you spend only what's in your account.⁶

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

Want to switch to SafeBalance Banking®?

Our specialists can help.

accounts

No cost to switch

card

Keep the same account number and debit card

Recurring payments will remain as scheduled

Book an appointment or call 800-432-1000 to switch your account.

Schedule an appointment

Don’t have the Mobile Banking app? Download it now.

It’s secure, simple and convenient.

Please select your device

Please enter a valid phone number

Enter your cell phone number

Cell phone area code - three digits number required Cell phone prefix - three digits number required Cell phone line number - four digits number required Send

Thank You!

A message has been sent to

The iTunes App Store is open in a new browser tab. Please download the App in the iTunes App Store.

(XXX) XXX XXXX

Please try again

Message and data rates may apply.
Terms and Conditions

1

An overdraft can occur when you do not have enough available funds in your account to cover a transaction, and we pay the transaction anyway. Our overdraft fee of $10 may apply for overdrafts created by check, recurring debit card transactions, or other electronic means. If your account is overdrawn, you must immediately bring your account to a positive balance. We pay overdrafts at our discretion and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. Please refer to the Personal Schedule of Fees for additional information.

2

Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible Bank of America accounts for overdraft protection. This optional service can help you cover your payments and purchases and help avoid overdrafts and overdraft fees by automatically transferring available funds from your linked backup account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Transfers from a linked (1) brokerage account with Merrill Lynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details. Balance Connect® is not available with SafeBalance Banking® as a covered or linked backup account. Balance Connect® is available on Advantage Savings as a linked backup account, but not eligible to be enrolled as a covered account.

3

Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

4

You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

5

The mobile feature, Erica, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance.

6

While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal and then add a tip. In this situation, the full payment may go through and result in a negative balance on your account, but we will not charge you an overdraft fee.

| Privacy | Security | Advertising Practices | Children's Privacy | Your Privacy Choices | Browse with Specialist
Bank of America, N.A. Member FDIC. Equal Housing Lender

© Bank of America Corporation. All rights reserved.

MAP6563550