Changes to your account services
October: Changes to how your transactions are posted
What’s changing and when?
In October 2013, we’re changing the order in which we post
transactions to your account.
Today, we post most transactions in order of highest to lowest
dollar amount.
Beginning in October, many debit transactions, such as debit
card purchases and ATM withdrawals, will generally post in the
order you make them. In addition, many checks will post in check
number order. See the table to the right to learn more about how
the new posting order works.
Here’s when the new posting order will take effect in your state.
October 4: FL, GA, NC, SC, VA
October 11: AZ, IA, ID, IL, IN, KS, MO, NM, OK, OR, TN, TX, WA
October 18: CA, CT, DC, DE, MA, MD, ME, MI, NH, NJ, NV, NY, PA, RI
How does the new posting order affect me?
The new posting order won’t affect you if there’s enough available
money in your account every day. But if there’s not enough
available money, the new posting order may change the number
of overdra fees you incur.
Where can I learn more?
To learn more about the new posting order, see the addendum at
the end of our Deposit Agreement and Disclosures. You can access
the Agreement online at bankofamerica.com/postingorder and click
‘Deposit Agreement and Disclosures.’ For a printed copy, visit your
nearby banking center.
Here’s an example of how it works.
Aer each business day ends, we’ll group transactions into categories before posting them.
Here, we show the most common categories and common types of transactions within each of them.
Let’s say we receive the following transactions on a Tuesday. If you review your account the next day,
you’ll generally see the transactions in the order shown in this example.
1
If the system doesn’t receive the date and time for transactions, we’ll post them from highest to lowest dollar amount.
2
If the system can’t detect check numbers, we’ll post them from highest to lowest dollar amount.
3
Most fees post aer the end of the business day. Until November 8, 2013, some fees may show as processing aer
the end of the day and post the following business day.
How common transaction
categories will work
Common transactions in each category Example
amount
Example
balance
Starting balance $1,125
Your deposits will be added in
highest to lowest dollar amount
Direct deposit <Employer name> $750 $1,875
Cash deposited at a teller $225 $2,100
Many debit transactions will be
subtracted based on the date and time
you made them (if the system knows
the date and time of the transaction)
1
ATM cash withdrawal (10:35 AM) $40 $2,060
Debit card purchase (12:45 PM) $20 $2,040
Check cashed by you at a Bank of America teller
(2:00 PM)
$30 $2,010
Online Banking transfer <to acct. ending 7890>
(3:30 PM)
$200 $1,810
Other checks you wrote will be
subtracted in check number order
2
Check #152 $17 $1,793
Check #160 $23 $1,770
Most other electronic payments
and preauthorized transfers will
be subtracted from highest to lowest
dollar amount
Preauthorized monthly utility payment $100 $1,670
Online bill payment for Bank of America credit card $80 $1,590
Online bill payment to Water Company $25 $1,565
Most fees that apply to your
account will be subtracted from
highest to lowest dollar amount
3
Changes to your account services
November: Changes to some service fees
Starting November 8, 2013, when you use these four ancillary services, the following fees will apply.
Type of fee (and when it applies) Fee amount as of November 8, 2013 What to keep in mind
Non-Bank of America ATM Fee
If you use an ATM in the U.S. that does not display the Bank of America
name and logo on the ATM
$2.50 per withdrawal, transfer
or balance inquiry
When you use our large network of Bank of America ATMs, you won’t
incur an ATM fee.
• Visit bankofamerica.com/locator
• Download our Mobile App and use the Locations tool
Non-Bank of America Teller Withdrawal Fee
If you go to a teller at another bank to withdraw cash using your debit card
$5 per withdrawal OR 3% of
withdrawal amount (whichever
is greater)
Domestic Incoming Wire Transfer Fee
If you receive a wire transfer of funds from within the U.S.
4
$15 per wire transfer We offer a personal account and a business account that have waivers
for Domestic Incoming Wire Transfer Fees. To learn more, call us or visit
your nearby banking center.
International Transaction Fee
If you withdraw foreign currency from an ATM in a foreign country, Visa®
or MasterCard® will convert the transaction into a U.S. dollar amount.
We charge this fee on the converted amount.
3% of the converted U.S.
dollar amount
When you’re traveling abroad, you can avoid an additional fee by
using our International Partner ATMs. If you use an ATM that is not
an International Partner ATM, a $5 Non-Bank of America ATM Fee
also applies.
To see the list of partners abroad, visit bankofamerica.com and search
for “Global ATM Alliance.”
4
As a reminder, when you receive a wire transfer of funds from outside the U.S., a $16 International Incoming
Wire Transfer Fee applies for each wire transfer.
November: Eliminating some service fees
Aer November 8, 2013, we will no longer charge a fee for the following services.
Type of fee (and when it applies) Aer November 8, 2013
ATM Mini Statement Fee $0
ATM Full Statement Fee
For printed Mini Statements and Full Statements at the ATM
$0
Reference Letter Fee
For Bank of America customers requiring a letter explaining their banking
relationship or deposit history for an international visa application, certain
immigration documents, auctions, rental agreements or financial support
for a student
$0
Changes to your account services
Questions? We’re here to help.
If you have any questions about these changes, call us at
1.800.432.1000 or visit your nearby banking center.
Small Business customers: If you have questions, please
call 1.888.BUSINESS (1.888.287.4637).
Merrill Lynch Wealth Management® and U.S. Trust®
clients: If you have any questions about how these
changes may affect your account, please call the number
on your statement.
Learn more about managing your account
To help manage your account and avoid overdra item
fees, you can:
• Keep track of your available balance while on the go with
Mobile Banking at bankofamerica.com/mobilebanking
• Sign up for online banking alerts to be notified of transactions
and balance changes at bankofamerica.com/onlinebanking/
online-bank-account.go
• Sign up for optional Overdra Protection from a linked account
5
For more information about fees that may apply to your
accounts, review the Personal Schedule of Fees for the state in
which you opened your account at bankofamerica.com/
feesataglance or at your nearby banking center. If you’re a Small
Business customer, you can review the Business Schedule of Fees
at bankofamerica.com/businessfeesataglance.
5
Overdra Protection Transfer fees may apply. Please refer to your Schedule
of Fees for details.
Estamos realizando modificaciones a los
servicios de su cuenta
En octubre del 2013, modificaremos la manera en la que
registramos las transacciones en su cuenta. Comenzando el 8 de
noviembre del 2013, modificaremos algunos cargos por servicio.
Por favor examine detenidamente estas modificaciones. Podrá
obtener información en español sobre estas modificaciones en su
sucursal más cercana.
If you have a MyAccess® Checking account opened
in AZ, GA or MA, please see your statement for additional
important changes to your account.
Merrill Lynch Wealth Management makes available products and services offered
by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
and member SIPC, and other subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and other affiliated banks,
members FDIC and wholly owned subsidiaries of Bank of America Corporation.
Investment products:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
U.S. Trust operates through Bank of America, N.A. and other subsidiaries
of Bank of America Corporation.
All rights reserved.
ARCDD427
Bank of America, N.A. Member FDIC.
©2013 Bank of America Corporation
