Bank of America | Overview

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Bank of America does not deliver and is not responsible for the products, services or performance of Incfile. You are responsible for separately purchasing Incfile’s products or services. Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services. Internet access may be required. Internet service provider fees may apply.

Bank of America, N.A. provides access to third-party websites 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. Neither Bank of America, its affiliates, nor their employees provide legal, accounting and tax advice.

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A Discount of $70 or $150 is provided by Incfile on their business formation services and is dependent on which formation package you select with Incfile. To qualify for the Incfile discount you must use the provided link {https://bankofamerica.Incfile.com/}. Costs for forming a business are established by the state in which you decide to incorporate. Costs are subject to change and are paid for by the Incfile client.. Bank of America does not require you to obtain any service from third parties. 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, guarantee, and is not responsible for the products, services or performance of any third party, including Incfile. Bank of America and/or its affiliates or service providers may receive compensation from third parties for clients' use of their services.

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The Bank of America product offers available here are contingent on completing the Incfile business formation process through the link provided here {https://bankofamerica.Incfile.com/}; however, purchasing business formation products or services from Incfile does not guarantee that you will be approved for any Bank of America products and services for which you may apply. Bank of America does not require you to obtain any product or service from third parties, whether or not you obtain any products or services from third parties has no bearing on the availability or terms of any product or service offered by Bank of America.

Bank of America credit cards, credit lines and loans are subject to credit approval and creditworthiness. Some restrictions may apply.

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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.

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

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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. 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.

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Preferred Rewards for Business Overall Program Rules:
The Preferred Rewards for Business program is only available to Small Business, Merrill Small Business, and Bank of America Private Bank® Small Business clients. Clients in the eligible business categories may enroll in the program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America business accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated based on either (i) your average daily balance for a three calendar month period, or (ii) your current combined balance, provided that you enroll at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within thirty days of opening that account. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements. Additional program information is available at: Preferred Rewards for Business.

Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation.