Personalized insights and guidance to help manage your finances which are sent through Mobile app push notifications. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and, receive money from another User either at that Users initiation or at your request, subject to the conditions of the Section below titled Requesting Money.. For inbound transfers, you agree that you will only attempt to register non-Bank of America personal accounts that you own or for which you have the authority to transfer funds. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money. We reserve the right to refuse to process any request for a foreign exchange transaction. Select the account you want to transfer From and then the account you want to transfer To. Please note that beneficiary banks located in some countries may take several days or even weeks to credit the receiving account. You may use the Service to make payments on your eligible Bank of America Loan accounts without a fee, on either a one-time or recurring basis, from your consumer asset account maintained at another financial institution that you have added to Transfers. Your name and address or telephone number; 2. You can easily set up one-time or repeating transfers of money between accounts. You can access our Online Privacy Notice and U.S. Consumer Privacy Notice at https://www.bankofamerica.com/security-center/overview/, which are incorporated into and made a part of this Agreement by this reference. Log in to the online account and select "Transfers.". Select "Help & Support," then choose the option for a balance transfer. The following limits will apply to payments sent using RTP*: *Private Bank and Merrill Lynch Wealth Management clients may be subject to higher dollar limits and total transfers. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use, unless otherwise required by law or as otherwise provided in this Agreement, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed 60 days' interest. of this Agreement). We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient. We do not accept any liability for our exchange rates. ET will be applied on the same day. Bank of America, N.A. We do not accept any liability for our exchange rates. ACH and Wire transfers are alternatives that allow you to transfer funds when delivery of funds domestically by a specific date is critical or when you are transferring funds outside the U.S. Future scheduled or recurring transfers scheduled for a weekend or a non-business day will be processed on the prior business day. ET on a business day will be scheduled and begin processing on the same business day. 1/Private Bank and Merrill Lynch Wealth Management clients may be subject to higher dollar limits and total transfers. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE OR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICES; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR OUR VENDORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. If we do elect to initiate the transfer, which may involve one or more attempts on subsequent business days, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees, as set forth in your Deposit Agreement. NEITHER WE NOR ZELLE OFFER A PROTECTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS, WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. ET cut-off. If you do not agree with a change, you may discontinue using the Services. Wire transfers enable you to transfer large amounts of money. A bank transfer can be internal, meaning the transfer occurs. From outside of the continental U.S., call us collect at 925.681.7600. Currently, the Real Time Transfer option is only available for transferring between your own accounts of Chase and other financial institutions, not to transfer to other people's accounts. One-time immediate transfers between linked Bank of America accounts . International wire transfers can take up to 15 days depending on the sending country. ; Scams - Recipient convinces a Sender to send money with Zelle by (i). Bank of America calls it a Withdrawal Limit Fee and will ding you $10 for each withdrawal or transfer above six (limited to $60). This is the maximum amount you can transfer in a set time period per your bank's policy. (Potentially) USD 10 and USD 100 in correspondent bank fees. Show all Topics From outside of the U.S., call at 302-781-6374. We will tell you the results within three business days after completing our investigation. Automatic alerts are automatically activated and sent to your primary email address only. Wire transfers can't be done on the Bank of America app. Enter the amount. We will inform you of changes when legally required and will try to inform you of the nature of any material changes even when not legally required to do so. We may communicate changes by either mail, email or a notice on our website and will make the updated terms available on our website. Customers can save upwards of $35 by using specialist money transfer providers. If a transfer is returned by the receiving bank or beneficiary's bank for no fault of ours, we will credit your account at the current Bank of America retail buy rate for the currency that day (see below). The fees vary depending on the account or bank the recipient has. . NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS, WARRANT THAT THE WEB SITE, OR THE SERVER THAT MAKES THEM AVAILABLE, IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. You may receive transfers from other Bank of America customers in the aggregate of $999,999.00 per week. It may take up to 2 business days for these updates to be reflected in your account balances, funds availability, and transaction posting. You may not establish a financial account with Zelle of any kind. Just like any other kind of deposit, internal transfers. Payments can be entered as a one-time transaction up to a year in advance, or as payments that are automatically scheduled upon the receipt of an e-Bill. You can: Find a nearby ATM or financial center. Please enter a valid 10-digit phone number. When used in the Agreement, the term small business includes sole proprietors, non-consumer business entities, and individual owners of the business, unless the context indicates otherwise. You understand and acknowledge that a person to whom you are sending money and who is not enrolled as a User may fail to register with Zelle, or otherwise ignore the payment notification, and the transfer may not occur. If you need to . Normal account fees and service charges, such as stop payment requests, check copy orders and account statement copy orders. You may send money to another User at your initiation or in response to that Users request for money. If you choose, you may turn off General alerts, but not Security alerts. What are my transfer limits? This Agreement governs your use of any online or mobile banking services maintained by Bank of America and accessible through bankofamerica.com using a personal computer or a mobile device, including a smartphone, tablet, or any other eligible handheld or wearable communication device (the Service(s)). You may also request to cancel a future scheduled or recurring transfer by calling us at. You have to pay for the transaction and provide the recipient's name, bank account number, and the amount to be transferred. By enrolling in online and mobile banking, you will be automatically enrolled in the Banks merchant rewards program, BankAmeriDeals, whereby the Bank will share anonymized transaction information with vendors in order to facilitate your participation in the rewards program and present offers that may be of interest to you. For payments to a Bank of America Payee, such as a vehicle loan, HELOC or mortgage, Bank of America will process and credit the payment to the account effective the same business day, provided the payment is scheduled prior to the 5:00 p.m. WE AND OUR VENDORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICES DESCRIBED OR PROVIDED. THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOUTRUST. This cancellation applies to your Services, and does not terminate your Bank of America accounts. Payments to your Loan accounts from a consumer asset account maintained at another financial institution that are initiated by 11:59 p.m. Zelle neither transfers nor moves money. A wire transfer sent to an account in the U.S. generally takes 1 to 2 days to arrive. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked. Furthermore, the beneficiary's bank may assess charges for their services, which will be deducted from the amount returned to you. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION OF PROBLEMS CAUSED BY VIRUSES OR OTHER HARMFUL COMPONENTS. You must contact us within 180 days of the date we indicated to you that funds would be made available to the recipient. Check with your individual carrier to confirm availability. Transfer limits are designed to help protect and limit potential bank and member financial losses. Chase added a feature to their checking accounts to be able to send ACH transfers between bank accounts instantly. As indicated above, some payments may be made by a personal check. If you are transferring . You can text STOP to 692632 at any time to stop SMS text alerts that you activated on the Alerts Settings pages. You have the option to view, save, or print PDF versions of your account documents from the Website via desktop, tablet or mobile device. Bank of America: Up to $3,500: Up to $20,000: Chase - For personal checking accounts: up to $2,000 - For private client and business checking accounts: up to $5,000 - For personal checking accounts: up to $16,000 - For private client and business checking accounts: up to $40,000: TD Bank - Instant transfers: up to $1,000 Payments (other than payments to a Bank of America Payee) initiated before 5:00 p.m. Recurring payments are not available at this time. THE SERVICES ARE PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. It is your responsibility to verify the accuracy of that information prior to sending a payment. . Besides being aware of the amount a person . At least on Core Checking. You may use the Service to make one-time transfers from a linked Bank of America checking, savings, money market or line of credit account to most checking, savings or money market accounts of other Bank of America customers using their account number. 03:43. You further acknowledge and agree: Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the Service, you have no ability to stop the transfer. If we fail or delay in making a payment or transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount that we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. Move a min of $10 up to $50,000 into your HSBC account daily Set up one-time and recurring transfers Under our Online Banking Guarantee, if we fail to process a payment in accordance with your properly completed instructions, we will reimburse you for any late payment fees. When an account is linked to the Services, it does not change the agreements you already have with us or our affiliates for that account and you are still subject to the terms and conditions we gave you in the agreement and disclosure for the linked account. Transfers will be governed by the rules of any funds transfer system through which the transfers are made, as amended time from time, including, without limitation, the National Automated Clearing House Association (NACHA) or real time payment services (RTP). In order to cancel a bill payment (including a payment you scheduled from an account maintained at another financial institution), follow the directions provided in Bill Pay. pretending to be or to represent another person or entity; or (ii). There is no fee for sending or receiving a transfer under the Service. Below is the Funds Transfer schedule: Standard Delivery (3 Business Days) Requested by 12:00 AM CT cutoff time on: Destination account credited on: Monday. With respect to payment orders relating to the transfer which are executed through SWIFT, the SWIFT operating rules shall govern the payment orders. Bank to Bank Transfers Options designed for your needs With Bank to Bank Transfers, you can easily move money between your U.S. HSBC deposit accounts and your accounts at other U.S. financial institutions - including banks and credit unions. Bill Pay for Checking, Money Market and Home Equity Line of Credit Accounts, B. The best way to cancel a future scheduled or recurring payment is to follow the instructions on our website. 3) Select Continue. What is the Transfer Limit of Bank of America? If we decide that there was no error, we will send you a written explanation. A transfer submitted through the Service may not be canceled once the recipient has enrolled. Member FDIC. We strive to provide you with information about products and services you might find interesting and useful. Learning all you need to know about ACH transfer limits and penalties. Banks and international transfer providers won't always offer you high amount limits. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. Am I eligible for an HSA? Bank Wire Transfer Limits. We may require you to validate certain account information before you are permitted to send a payment using RTP. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. $45.00 (US Dollar transfer) $0.00 (Foreign currency transfer). We sent an email with the download link to, We sent a text message with the download link to, Distribute money across multiple accounts with minimal hassle. B. You acknowledge and agree that if a payment order relating to a transfer describes a beneficiary inconsistently by name and account number, payment might be made by the beneficiary's bank on the basis of the account number, even if it identifies a person different from the named beneficiary, and that your obligation to pay the transfer issued by you to us shall not be excused by such payment. Bank of America may at its option accept your cancellations or amendments to a transfer. In either case, although the bank allows large transfers, it still must report those over a certain amount. For transfers other than Remittance Transfers, including general questions, requests for cancellation of payments and transfers, or to report unauthorized transactions, please call us at 800.432.1000 or 866.758.5972 for small business accounts, available Monday through Friday from 7:00 a.m. to 10:00 p.m., and Saturday and Sunday from 8:00 a.m. to 5:00 p.m., local time. Bank of America Advantage Relationship Banking: Be a Preferred Rewards client, maintain a combined balance of $10K in eligible linked accounts or qualify for a student waiver. There may be a limit to how many transfers you can make each month, the value of an individual transfer, and the total value of. If you are a small business customer and are not receiving the small business limits, make sure you are logged in with your small business User ID. If we are unable to confirm that you are the owner of the mobile phone number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd. Generally, most banks have a transfer limit depending on the type of accountyou operate. We usually notify you when we cancel alerts, but are not obligated to do so. Automatic Alerts provide you with important account notifications, such as information about a money transfer, insufficient funds or availability of a paperless statement. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR ORYOU DO NOT TRUST. Text message fees may apply from your carrier.
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