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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

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Powerful solutions designed to move your business forward

Make every move matter for your business with digital tools and useful resources to streamline the way you work.

Explore Business Advantage 360

See how our innovative online tools and convenient apps can help you run your business more easily.

Connected Apps

View all your key business metrics in one place.¹

Send, request and receive money in minutes with Zelle® for your business.²

Business Credit Scores

Your business may have one. Check for free.³

Account Management

Manage multiple accounts and customize access rights.⁴

Mobile Check Deposit

Deposit checks from almost anywhere.⁵

Remote Deposit

Bank on your schedule.⁶

Payments and Invoicing

Pay bills, send invoices and get paid-all in one place.⁷

World-class payroll and HR services

Manage your business confidently.

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Merchant Services One seamless relationship

Effortlessly view and manage your Business Advantage and Merchant Services⁸ accounts in one place.

Center for Business Empowerment

From cash flow to operations and beyond, we have helpful tools and information to help you keep everything running smoothly.

Cash flow management basics

Maintaining a healthy cash flow is essential for every business.

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Tech to simplify your business

Using mobile apps can be an easy and convenient way to keep tabs on your business while on the go.

Read our article

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Choosing a Merchant Services provider

Learn what to consider when choosing a merchant services provider.

Read our article

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Estimating your quarterly taxes

One of the biggest surprises for new business owners often comes during tax season. Here’s what you need to know.

Read our article

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Become a certified woman- and/or minority-owned business

Receiving certification can bring in new opportunities. Learn more about what your options are.

Read our article

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Solutions that fit your business

From local businesses to global ones, Bank of America offers innovative solutions to ensure your next move is the smartest one for your business.

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Small Business

Explore digital tools tailored to meet your needs along with resources, insights and a team of specialists to keep your business growing.

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Discover more
Ideal for businesses with up to $5 million in annual revenues.

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Business Banking

Benefit from hands-on expertise, industry insights and digital solutions to keep your business moving forward.

Get more details
Ideal for businesses with $5–50 million in annual revenues.

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Global Commercial Banking

For more complex companies, you’ll have the full power of our best-in-class insights, resources, expertise and more — whatever you need to tackle any challenge you may face locally and globally.

Ideal for businesses with $50 million–2 billion in annual revenues.

Don’t have a business banking account yet?
Open yours today.

Awards & Accolades

By continually delivering the most convenient and secure experience, our Mobile Banking app has earned industry and consumer recognition.

Keynova: Overall Winner 2023 Small Business Banker Scorecard

Overall Winner 2023 Small Business Banker Scorecard

Bank of America is the overall winner of Keynova Group's 2023 Small Business Banker Scorecard, which features the latest industry benchmarks based on the digital user experience for small businesses.

Want a secure, easy way to bank on the go?

Download the app today.⁹ It’s simple and convenient.

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Terms and Conditions

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Operations

_{Connected Apps}

_{Account Management}

Payments

_{Payments & Invoicing}

_{Merchant Services}

Convenient Banking

_{Mobile Check Deposit}

_{Remote Deposit Online}

Resources

_{D&B Credit Score}

_{Center for Business Empowerment}

_{Guided Demo Hub}

_{Schedule appointment}

1

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.

2

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.

3

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.

4

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.

5

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.

6

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.

7

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.

8

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.

9

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

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