Consumer Renderings 00-53-5421nsb late breaking changes pdf
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- Bu səhifədəki naviqasiya:
- Overview of key policies and fees Monthly Maintenance Fee $12.00
- ATM fees
- Overdraft settings and fees Option 1: Standard
- Information is current as of 08/2018 and is subject to change. See reverse Additional fees
- When your deposits are available
- If we place a hold on your deposit
- How we post transactions
- • Deposits
- • Other checks you wrote
- Get the most out of your account
| Sort_Audit: CC:00-53-5421NSB Bank of America ® Clarity Statement ® Bank of America Core Checking ® Overview of key policies and fees Monthly Maintenance Fee $12.00 each month You can avoid the Monthly Maintenance Fee when you do ONE of the following each statement cycle: • Make at least one qualifying Direct Deposit of $250 or more • Maintain a minimum daily balance of $1,500 or more, OR • Enroll in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking accounts). Students under age 24 are eligible for a waiver of this fee while enrolled in high school, college or a vocational program.
Bank of America ATMs No ATM fee For deposits, withdrawals, transfers or balance inquiries Non-Bank of America ATMs
$2.50 In the U.S., plus any fee charged by the ATM's operator $5.00 Outside the U.S., plus any fee charged by the ATM's operator Overdraft policy • To help you avoid fees, we won't authorize ATM withdrawals or everyday debit card purchases when you don't have enough money in your account at the time of the transaction. • When we determine you don't have enough money in your account to cover other items such as checks or scheduled payments, we'll either authorize and pay the item and overdraw your account (an overdraft item), or decline or return the item unpaid (an NSF: returned item). When this happens, you'll be charged a fee. See details below. • We offer two overdraft setting options for how you want us to process your other transactions.
Choose this setting if you want checks or scheduled payments to be completed, even though you'll pay a fee. These transactions may be approved and cause an overdraft.
Choose this setting if you want us to decline or return transactions if you don’t have enough money in your account at the time of the transaction. Checks or scheduled payments will be returned unpaid if you don’t have enough money in your account and you will be charged an NSF: Returned Item Fee. Recurring debit card payments may be authorized when funds are available but cause an overdraft when they post later which may result in an Overdraft Item Fee. Overdraft Item Fee $35.00 We’ll charge this fee for each item over $1 that we per overdraft authorize and pay, including recurring debit card payments. However, we won't charge this fee if your account balance is overdrawn by $1 or less. NSF: Returned Item Fee
We’ll charge this fee for each item over $1 that we decline declined/returned or return unpaid. One-time or recurring declined debit card transaction payments aren't charged this fee. No more than 4 Overdraft or Returned Item fees are
charged per day.
Overdraft Protection $12.00 With Overdraft Protection, if you're about to overdraw your account, we'll Transfer Fee 1 per transfer automatically transfer available funds from your linked savings or second eligible checking account. Only 1 transfer fee charged per day that a transfer is made. However, we won't charge this fee for any item that is $1 or less. Please see the Personal Schedule of Fees and Deposit Agreement for your account terms. 1. Overdraft Protection is also available from your Bank of America credit card. Overdraft Protection transfers from your credit card are Bank Cash Advances. They are subject to overdraft protection cash advance fees and will accrue interest at the Bank Cash Advance APR. Please refer to your Credit Card Agreement for additional details. Information is current as of 08/2018 and is subject to change. See reverse Additional fees Statement copies (each copy)
For each paper copy that you request from us. No fee Printable statements from the last 36 months are available in the Statements & Documents tab in Online Banking. Check images $3.00 For each monthly statement that includes a printed check image No fee Printable check images from the last 18 months are available online Ordering checks
Depending on the style you choose Card replacement
To replace an ATM or debit card when your card has not expired; additional $15 for rush delivery Stop payment $30.00 Each request Cashier's checks (each)
As of Nov. 3, 2018, this fee will be $15 Domestic wire transfers (each) $15.00 Incoming wire transfer $30.00 Outgoing wire transfer International wire transfers (each) $16.00 Incoming wire transfer $35.00 Outgoing wire transfer sent in foreign currency via online channel. $35.00 Outgoing wire transfer sent in foreign currency from a financial center. $45.00 Outgoing wire transfer sent in U.S. Dollars. Other banks may charge additional fees for wire transfers. Bank of America, N.A., may make money from the foreign currency exchange. Please refer to the Online Banking Service Agreement for online wire terms. Deposited item returned (each) $12.00 Domestic item $15.00 Foreign item Non-Bank of America Per transaction, greater of $5.00 OR 3% of the amount (maximum $10.00) when you use your ATM Teller Withdrawal or debit card, or card number, to make a withdrawal, transfer or payment at another bank and it is processed as a cash disbursement.
• Cash, direct deposits, wire transfers: On the day we receive them. • Checks: Usually the next business day, if deposited before the financial center or ATM cutoff time. • Mobile Check Deposit: Usually the next business day if deposited by applicable cutoff times (please refer to Deposit Checks, then Help in the Mobile Banking app for additional details and terms and conditions). Dollar limits apply to this service, vary by account and are communicated during the deposit process. • If we place a hold on your deposit, we'll let you know the hold reason and when your funds will be available. This is typically provided at the time of deposit but may also be mailed later. Deposits greater than $5,000 and checks deposited within the first 30 days of account opening may be held longer.
The way we post transactions impacts your account balance. If there's not enough available money in your account to cover all of your transactions, the posting order can impact the number of overdraft fees you incur. At the end of each business day, we'll group transactions received that day into categories before posting them. Below are the most common categories, and common transaction types in each, in the order that they generally post to your account.
transaction). These include one-time and recurring debit card transactions, one-time transfers, ATM withdrawals, and checks cashed with our tellers.*
scheduled transfers, online bill payments and preauthorized payments that use your account number. • Most fees: Subtracted from highest to lowest dollar amounts. * If our system doesn't receive date and time information, or can't detect the check number, remaining transactions in these categories are posted from highest to lowest dollar amount. Get the most out of your account Review all the features and benefits of your new account at
For questions, schedule an appointment to visit a financial center at
Call us at 800.432.1000 Additional fee waivers may be available to U.S. Trust ® and qualified Merrill Lynch Wealth Management ® clients. Please contact your advisor to learn more. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. © 2018 Bank of America Corporation. ARJ6PQTD | 00-14-9315 | ALL STATES 00-53-5421NSB Document Outline
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