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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.

Business Advantage

Overview
Make payments
Accept payments
Pay employees
Get guidance

Empower your business with our total payment solutions

When you work with Bank of America, you get access to comprehensive payment solutions that help payments flow smoothly and securely as your business grows.

Speed & security

Speed & security

Manage your cash flow and payment operations in real-time with our secure digital and mobile tools.¹

Simplicity & transparency

Simplicity & transparency

Work more efficiently with simplified solutions, transparent pricing and smart data.

Scalable & flexible

Scalable & flexible

Grow and adapt your business with scalable payment solutions, in-depth analytics and customized technologies.

Manage it all easily and efficiently through Business Advantage 360

No matter where you do business, you can bank efficiently and simplify everyday tasks with our integrated digital platform. Plus, you'll get access to the convenient payment services shown below.

Explore Business Advantage 360

Group of businesswomen talking

Make payments your way

Enjoy access to a wide range of payment methods to suit your unique business needs.

Transfers

Send and receive funds between business or personal accounts in real-time with no fee.

Pay bills

Easily set up one-time or recurring payments for your business bills with no fee.

Wire

Make larger payments domestically and internationally. Get same-day transfers and enjoy transparent pricing with $0 FX.

Woman business owner signing for a delivery outside her store

Zelle® for your business

Need to pay a vendor or supplier?⁴ Use Zelle® to send money directly from your bank account in minutes¹, right from our Mobile Banking app with no fees.

Get to know Zelle®

Credit cards

Choose from a full suite of business credit cards to build and strengthen your business credit while keeping personal and business accounts separate.² Plus, earn cash back or points for the business you already do.⁸

Debit cards

Make secure payments quickly and easily. Plus, conveniently manage everyday banking with business and employee debit cards connected to your Business Advantage checking account.²

ACH

Schedule larger payments on a recurring basis. Low, transparent and fixed pricing.

Accept payments faster

Our innovative solutions offer fast, secure and flexible ways to take payments from customers.

Powerful payment solutions to accelerate the way you do business

Streamline payment processing – in-person, on the go and online – with simplified pricing, same-day funding and 24/7 support.³

Customer and business owner smiling as the customer inserts her card into a payment device.

Zelle® for Business

Make and receive payments

Zelle® for Business allows you to receive payments with a click, with no additional fees from Bank of America.⁴

Payments & invoicing

Payments & invoicing

Simplify your processes with integrated capabilities that work with your internal workflow approvals and reviews.⁵

Pay employees simply and efficiently

Choose from a wide range of solutions to simplify payroll administration and other human resource tasks.

Restaurant owner seated at a table working on a laptop

All-in-one payroll services

Managing HR and accounting tasks is faster and easier with a single, streamlined payroll platform.

Simplify your payroll

Save time and effort with payroll options

ADP® payroll services

ADP® payroll services

Simplify your payroll and enjoy 24/7 support.⁶

QuickBooks® Online Payroll

QuickBooks® Online Payroll

Payroll and access to HR services in one place.⁷

Preferred Rewards for Business

Enroll today and access valuable benefits, rewards and savings — all with no fee to join or participate in the program.⁸

Small business owner smiling as she hands a bag of items to a customer.

Ready to get started? Our guidance and support is here for you every step of the way.

Center for Business Empowerment

Access helpful tools and information at our site

Center for Business Empowerment

contact us

Call your team of specialists 24/7

Schedule time with your small business team

Schedule time with your small business team

Schedule appointment

Insights to improve payments for your business

Small business owner bagging an item for a customer

How to choose the right payment acceptance options for your business.

Small business owner selling a houseplant to a couple at an outdoor market

Expand your sales footprint with mobile point of sale solutions

Small business owner talking on a smartphone while looking at a laptop

10 ways to help avoid business banking and credit card fears

1

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

2

Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

3

Merchant Services: To qualify, you must have an active Merchant Services account with Bank of America that is used for processing payment transactions. In order for your Merchant Services account to be considered “active": (1) it must be open and in good standing; and (2) you must have submitted a qualifying transaction batch during the prior Business Advantage Relationship Banking billing cycle. A qualifying transaction batch is a single submission consisting of a group of transactions (e.g., sales and credits) that are posted to your Merchant Services account for settlement into your Business Advantage Relationship Banking account (usually representing a day's worth of transactions). Customers that process transactions only with a Clover® Go On Demand plan are not considered an active Merchant Services account for this purpose. To determine whether you have qualified for the monthly fee waiver on your Business Advantage Relationship Banking primary account, there is a look-back period where we determine if you had an active Merchant Services account during a given Business Advantage Relationship Banking billing cycle. If so, we would apply the monthly fee waiver for your Business Advantage Relationship Banking primary account in the next checking account statement cycle. For example, Merchant Services processing activity from January would count toward your February monthly fee waiver evaluation. The waiver applies only when the owner of the Business Advantage Relationship Banking account and the Merchant Services account share the same Taxpayer Identification Number. Exclusions may apply based on merchant processing product. Subject to change. Please see the Business Schedule of Fees at bankofamerica.com/businessfeesataglance for details.

4

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 Bank of America does not charge a transfer fee. 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. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back – for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply. In some circumstances, you may not be able to enroll in Zelle® immediately.

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.

5

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, including information about fees associated with the service.

6

ADP, the ADP Logo and RUN Powered by ADP are registered trademarks of ADP, Inc. and its affiliates. Roll and Roll by ADP are trademarks of ADP, Inc. All other marks belong to their owner.

Bank of America does not deliver and is not responsible for the products, services or performance of ADP, Inc. Internet access may be required. Internet service provider fees may apply.

Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services.

7

QuickBooks and the QuickBooks logo are registered trademarks of Intuit, Inc., used under license. Bank of America does not deliver and is not responsible for the products, services or performance of Intuit, Inc. You are responsible for separately purchasing QuickBooks, QuickBooks Online, or QuickBooks Online Payroll, and Bank of America makes no warranties nor accepts any liability for such software.

Internet access may be required. Internet service provider fees may apply. Other bank fees may apply. See the Business Schedule of Fees available at bankofamerica.com/businessfeesataglance for details.

Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services.

8

The Preferred Rewards for Business program is only available to Small Business, Merrill Lynch® Small Business, and Bank of America Private Bank Small Business clients. There are 3 tiers in the Relationship Rewards program: Gold, Platinum and Platinum Honors, each of which has different benefits. The tier that your business qualifies for depends on if you have an active, eligible Bank of America business checking account, and maintain a 3-month average combined daily balance in your qualifying Bank of America® business deposit accounts and/or your qualifying Merrill Edge® and/or Merrill Lynch® business investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. Get additional details about Preferred Rewards for Business.

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