You must be enrolled in Business Advantage 360, our small business online banking, or Mobile Banking to use Cash Flow Monitor and Connected Apps, and have an eligible Bank of America® small business deposit account. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

When you use Cash Flow Monitor and Connected Apps to access services or information from third parties (“Third-Party Account Information"), you will be subject to any terms and conditions established by those third parties, in addition to the Cash Flow Monitor and Connected Apps Terms and Conditions. 

Bank of America, N.A. provides access to third-party websites and Third-Party Account Information only as a convenience, and is not responsible for, does not guarantee or endorse the services offered, and does not monitor or review such information for accuracy, completeness or otherwise. Information displayed through Cash Flow Monitor and Connected Apps may be more up-to-date when obtained directly from relevant third-party web sites. Neither Bank of America, its affiliates, nor their employees provide legal, accounting and tax advice.

Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services. All third party trademarks, service marks, trade names and logos referenced in this material are the property of their respective owners. Bank of America does not deliver and is not responsible for the products, services or performance of any third party.

Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. 

Payment requests to others not already enrolled in Zelle® must be sent to an email address. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers a protection program for any authorized payments made with Zelle®. Regular account fees apply.

To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

The Account Management service allows you to establish individual account access levels (including customized access to Bill Pay and Payments and Invoicing) in online banking. You must be enrolled in Business Advantage 360, our small business online banking platform, and have an open Bank of America small business deposit account to be enrolled in Account Management. Fees may apply for additional services. See the Business Schedule of Fees available at www.bankofamerica.com/businessfeesataglance for details. Account Management requires internet access and internet service provider fees may apply.

Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Menu > Help > Browse More Topics > Mobile Check Deposit for details and other terms and conditions. Message and data rates may apply.

After an initial 30-day trial period, a monthly service fee of $15 will be assessed for the Remote Deposit Online service.  Remote Deposit Online is subject to approval and availability in your area.

You must be enrolled in Business Advantage 360, our small business online banking, to use the Remote Deposit Online service and have an open Bank of America small business deposit account to apply and be approved for enrollment in Remote Deposit Online, and fees will be billed to that account.  In addition to monthly service fees, other bank fees associated with your checking account and/or for additional services may apply.  See the Business Schedule of Fees available at bankofamerica.com/businessfeesataglance for details.  Please also refer to the Deposit Agreement and Disclosures for additional information.

Remote Deposit Online requires a two-year contractual agreement with a $250 early termination fee if canceled by you or by Bank of America (including, for example, for more than 12 consecutive months of inactivity) after the initial 30-day trial and prior to expiration of the two-year agreement period. 

Internet access may be required.  Internet service provider fees may apply.

You may only transmit checks using the service from a Bank-approved capture device that is located within the United States.

Access to Dun & Bradstreet business credit score information in Business Advantage 360 is for educational purposes only and available only to U.S.-based Bank of America Small Business clients with an open and active Small Business account, who have a Dun & Bradstreet business credit score and have properly enrolled to access it in Business Advantage 360. Dun & Bradstreet's business credit score (also known as "The D&B® Delinquency Predictor Score") is based on data from Dun & Bradstreet and may be different from other business credit scores.

Not all payees are provisioned to accept electronic payments. Please see the Bank of America Online Banking Service Agreement: Business Services Addendum for details.

Only Small Business clients who are enrolling into Business Advantage 360, our small business online banking platform, for the first time, or existing Small Business clients who have never enrolled in Bill Pay, are eligible for Payments and Invoicing. Clients with an existing Bill Pay account are not eligible.

Payments and Invoicing is not currently configured to support the processing of medical or health information in a manner that meets the requirements under the Health Information Portability and Accountability Act (“HIPAA”). This means that “protected health information” (as defined under HIPAA) should not be created, disclosed, stored, transferred, transmitted, or otherwise processed using Payments and Invoicing. Not all Payees are provisioned to accept electronic payments. Please see the Bank of America Online Banking Service Agreement: Business Services Addendum for details.

A Bank of America business checking account is required to apply for a Merchant Services account. You must be enrolled in Business Advantage 360, our small business online banking platform, to have a Merchant Services account from Bank of America. Merchant Services processing funds must be settled into a Bank of America business checking account.

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