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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
Learn and plan
Form your business
Set up banking

Set up banking Establishing a business banking relationship

Start your business journey out right with information and options around establishing a business banking relationship and the types of accounts you’ll need.

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Separating your personal and business finances

There are many benefits to keeping your business and personal finances separate. A separate business banking account gives you a more accurate view of your business's cash flow and makes it easier to track your tax-deductible business expenses. It may also help your business establish an independent credit profile with rating agencies and potential lenders.

The importance of a business banking relationship

Checking accounts

Explore our Business Advantage Banking accounts, equipped with financial tools, services and support.

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Credit cards

Discover which Business Credit Card is right for you.

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Merchant services

Learn how to accept payments in store and online with our merchant services solutions.

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Not sure what you need?

Simply answer a few questions to receive customized solutions.

Powerful Digital Tools

With Business Advantage 360, our online and Mobile Banking¹ platform, you get solutions to improve efficiency, simplify everyday tasks and accelerate growth.

Access to Zelle®²: A fast and easy way to send money
Connected Apps³: View your business metrics all in one place
Mobile Check Deposit⁴: Fast and simple deposits — no ATM required
Remote Deposit Online⁵: Multiple check deposits from your home or office
Account Management⁶: The power, control and flexibility you need to manage your business accounts
Business Credit Score⁷: Your business may have one, get free access to view and monitor

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Get started opening your accounts now

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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

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 from Bank of America. 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.

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

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.

4

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.

5

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.

6

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.

7

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.

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

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