Our Online Banking Security Guarantee

For Consumers and Sole Proprietors

$0 liability

With our Online Banking service, you can be confident that your Bank of America accounts will be secure and protected. Our safe online banking measures guarantee $0 liability for any unauthorized activity originating from Online Banking, including Bill Payment. Read Your Responsibilities for information about reporting unauthorized transactions to preserve your rights under this guarantee.

Information security

Safeguarding your information is a priority for Bank of America. Whenever personal information is requested or displayed on our website we use encryption technology, such as Secure Socket Layer (SSL), to prevent unauthorized access to data. See Information Security for details.

Safeguarding your privacy

At Bank of America Online Banking security, your privacy is our priority. Keeping financial information secure and confidential is one of our most important responsibilities. Our Privacy Policy for Consumers gives you important information on how Bank of America treats your financial information.

On time payments

Bank of America processes payments to your designated Pay To accounts on the dates and for the dollar amounts you specify. If we fail to process a payment in accordance with your properly completed instructions we will reimburse you any late-payment-related charges. See the Service Agreement for details.

Contact us

If you notice any unauthorized activity in your account, or need to report lost or stolen information, please contact us immediately by calling 1.800.933.6262 .

Your responsibilities

• Reviewing your account statement regularly and reporting any unauthorized activity promptly. Bank of America promises you will not be responsible for any unauthorized activity originating from your Online Banking relationship. We will reimburse you for funds transferred from your accounts up to the amount of your loss when you notify the bank within 60 days of the transaction first appearing on your statement. If you do not notify us within these 60 days, you may not be reimbursed for subsequent transactions. Additionally, we will reverse or reimburse you for any bank or Pay To account fees resulting from your loss. See the Service Agreement for details.
• Protecting your Online ID and Passcode. You should always guard your Online ID and Passcode from unauthorized use. If you share this information with someone, all transactions they initiate with the information are considered as authorized by you, even for transactions you did not intend for them to make.
• Not leaving your computer unattended during an Online Banking session. It's easy to protect your information by signing off from Online Banking when you are finished with each session. To ensure cached copies of your Online Banking Web pages are cleared, always close your browser after signing off.