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  •  You can link your Overdraft Protection account—such as a savings, credit card or another checking account—to multiple checking accounts. This can help prevent declined transactions and overdraft fees for multiple checking accounts, provided you have sufficient funds or available credit in the linked account. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

    You can always change the linked account for Overdraft Protection in Online Banking, or you may visit a banking center, or call us at 1.800.432.1000, Monday through Friday, 7 a.m. to 10 p.m. and Saturday and Sunday, 8 a.m. to 5 p.m., local time. If you already have Overdraft Protection and request that it be linked to another account, coverage from the existing account will be replaced by the new Overdraft Protection account you have requested.

    No. Your checking account can be protected by only one linked account for Overdraft Protection. If you have more than one eligible account that could protect your checking account, select one with sufficient funds or available credit, in case it's needed to cover a transaction. You can always change the linked account for Overdraft Protection in Online Banking, by visiting us at a banking center, or calling us at 1.800.432.1000, Monday through Friday, 7 a.m. to 10 p.m., and Saturday and Sunday, 8 a.m. to 5 p.m., local time.

    Yes, if there aren't enough funds in your checking account or linked account to cover an item, Overdraft Protection won't occur and you may be charged an overdraft item fee, an NSF: Returned Item fee, or your transaction may be declined. That's why it's a good idea to make sure you have sufficient funds or available credit in your linked account in case you may need to use the funds.

    You can link your Overdraft Protection account—such as a savings, credit card, line of credit or another checking account—to multiple checking accounts. This can help prevent declined transactions and overdraft fees for multiple checking accounts, provided you have enough funds or available credit in the linked account. For example, you can link one savings account to two different checking accounts to serve as a backup for both accounts.

    Regardless of which Overdraft Setting you choose, we encourage you to consider Overdraft Protection to help protect yourself from overdrafts and declined transactions. If you have (or plan to open) more than one account at Bank of America, then Overdraft Protection may be right for you. With Overdraft Protection, you can link your checking account to a savings account, credit card or second checking account. If the checking account doesn't have enough money to cover a transaction, available funds will be transferred automatically from the linked account.

    If your checking account doesn't have enough money to cover a withdrawal or purchase, Overdraft Protection automatically transfers money into your checking account from your linked account (provided there are funds available in the linked account).

    If you enroll in Overdraft Protection with your credit card, overdraft transfers will be bank cash advances and will accrue interest at the bank cash advance APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

    You can set up Overdraft Protection in Online Banking, or you may visit a banking center, or call us at 1.800.432.1000, Monday through Friday, 7 a.m. to 10 p.m., and Saturday and Sunday, 8 a.m. to 5 p.m, local time. Changes generally take effect after two days, but can take up to 10 days, depending on the type of account you've chosen to link to.

    The Accounts overview tab in Online Banking displays all of your Bank of America accounts. Select the arrow to the left of any account to see that account's Overdraft Protection status. You can also select the Overdraft Protection status of any account to modify your Overdraft Protection linkages. Or, you can also visit a banking center or call us at 1.800.432.1000, Monday through Friday, 7 a.m. to 10 p.m., and Saturday and Sunday, 8 a.m. to 5 p.m., local time.

    There's no cost to enroll in Overdraft Protection. You pay for Overdraft Protection only when you use the service. Transfer and other fees may apply when you use this service. With certain Bank of America accounts, the Overdraft Protection transfer fee is waived. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be bank cash advances and will accrue interest at the bank cash advance APR stated in your Credit Card Agreement. If you enroll in Overdraft Protection with your credit card, we don't charge a transfer fee when we determine your checking account is overdrawn by a total amount less than $10.00 after we finish processing for the day. Please refer to your Credit Card Agreement for additional details.

    Overdraft services include how we handle transactions that overdraw your account as well as ways to help prevent overdrafts from occurring. Our overdraft services include:

    The Overdraft Setting for your checking account determines how the bank handles your transactions when you don't have enough money in either your checking account or your linked Overdraft Protection account at the time of the transaction.

    Overdraft Protection automatically transfers available funds from your savings or another checking account or credit card to your checking account if you overdraw it. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

    Online and Mobile Banking allow you to access your account information 24 hours a day, seven days a week  and help you keep track of your account balance. You must first enroll in Online Banking, and set up Transfers and Bill Pay. Wireless carrier fees may apply.

    Online or mobile Alerts let you know when there's important activity on your account, such as a low balance. Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider.

    Overdraft Protection links your Bank of America checking account to another Bank of America account, such as a savings or another checking account or a credit card. Overdraft Protection automatically transfers available funds to cover purchases and prevent returned checks and declined items if you don't have enough money in your checking account. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

    Overdraft Protection is a service you can sign up for that links your Bank of America checking account to another Bank of America account, such as a savings or another checking account or a credit card. The service is designed to give you more flexibility when you need to make purchases and don't have enough money in your checking account at the time of the transaction. Overdraft Protection helps prevent declined transactions, returned checks or other overdrafts on your accounts.

    The Overdraft Setting for your checking account determines how the bank handles your transactions when you don't have enough money in your checking account or your linked Overdraft Protection account at the time of the transaction. We pay overdrafts at our discretion based on factors such as the purchase or withdrawal amount and your account history, which means we don't guarantee that we'll always authorize and pay any type of transaction. We typically don't pay overdrafts if your account isn't in good standing or you aren't making regular deposits. We reserve the right to require you to pay overdrafts immediately.

    We do not authorize and pay overdrafts for everyday non-recurring transactions. We also do not authorize and pay ATM transactions, unless you agree to have your account overdrawn.

    We offer Overdraft Protection in many ways—through a savings account, credit card or another checking account.

    Your checking account can be linked to any of the following accounts including: savings, Money Market Savings, another checking account or a credit card. Remember to make sure the account you select has enough funds at all times should you need to use Overdraft Protection. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

    Any checking account and certain money market savings accounts can be linked to receive Overdraft Protection.

    You can change your Overdraft Setting by calling 1.800.432.1000, Monday through Friday, 7 a.m. to 10 p.m., and Saturday and Sunday, 8 a.m. to 5 p.m., local time, or by visiting a banking center.

    We may give you the opportunity at our ATMs to agree to our ATM overdraft services for a specific ATM withdrawal that exceeds your current available balance and, if you agree, we authorize and pay that ATM withdrawal. We will also print a receipt with confirmation of your agreement to the overdraft services for that withdrawal only. Each time you agree, your consent applies only to that withdrawal. Please note that a $35 overdraft Item fee applies to that withdrawal if your account remains overdrawn at the end of the day. We inform you at the ATM when this service is available.

    The Overdraft Setting for your checking account determines how the bank handles your transactions when you don't have enough money in your checking account or your linked Overdraft Protection account at the time of the transaction. We pay overdrafts at our discretion based on factors such as the purchase or withdrawal amount and your account history, which means we don't guarantee that we'll always authorize and pay any type of transaction. We typically don't pay overdrafts if your account isn't in good standing or you aren't making regular deposits. We reserve the right to require you to pay overdrafts immediately.

    The available Overdraft Settings are:

    Standard Setting. The standard Overdraft Setting is automatically applied to new consumer accounts.With the Standard Setting, ATM withdrawals and every day, non-recurring debit card transactions (individual debit card purchases such as at the grocery store or a one-time online purchase), will only be authorized when we determine you have enough available funds in your account or in your linked Overdraft Protection account at the time of the transaction. Otherwise, we typically decline the transaction and you aren't charged an overdraft fee.

    For other types of transactions like checks, Bill Pay and other electronic payments, as well as recurring debit card payments, we may pay transactions when you don't have enough available funds in your checking account or linked Overdraft Protection account at the time of the transaction.

    If we pay a transaction that's larger than your available balance and it overdraws your account, this typically results in a charge for each overdraft item unless you deposit enough available funds that day to cover the overdraft.

    If we return the item unpaid, this typically results in a NSF: Returned Item fee.

    Decline All Setting. You can request a decline all Overdraft Setting on your account. With this setting, we only authorize an everyday debit card purchase, ATM withdrawal, check, Bill Pay and other electronic payment when we determine there's enough money available in your account or in your linked Overdraft Protection account at the time of transaction. When there aren't enough funds:

    For ATM withdrawals and everyday debit card purchases, our standard practice is to decline the transaction and not charge a fee.

    For checks, Bill Pay or other electronic payments, we may return the item and charge a NSF: Returned Item fee.

    You can change your Overdraft Setting by calling 1.800.432.1000, Monday through Friday, 7 a.m. to 10 p.m., and Saturday and Sunday, 8 a.m. to 5 p.m., local time, or by visiting a banking center.

    When you use your ATM or debit card for everyday, non-recurring purchases, when we determine you don't have enough funds in your account or linked Overdraft Protection account our standard practice is to decline the transaction, and you aren't charged a fee.

    For other types of transactions, like checks, Bill Pay and other electronic payments, as well as recurring debit card payments made using your checking account number, we may charge you a NSF: Returned Item fee, each time we decline or return one of these transactions. If we pay one of these transactions, we charge you an overdraft item fee. Note: Recurring debit card transactions do not incur a fee when declined.

    Additional merchant fees (such as returned check fees) may apply.

    If you do overdraw your account, we'll charge no more than a total of four overdraft item fees and NSF: Returned Item fees per day. If your account remains overdrawn by any amount for 5 or more consecutive business days, you'll incur an extended overdrawn balance charge.