More control over your account, all in one place

With Balance Connect® for overdraft protection1, you can link up to 5 eligible backup accounts.

What is an overdraft?

An overdraft happens when you don’t have enough money available to cover a purchase or a payment. In other words, an overdraft happens when a transaction exceeds your available balance. When this happens, the transaction can either be paid for you, by overdrawing your account, or it will be declined and returned unpaid.

How Balance Connect® for overdraft protection can help:

Balance Connect® allows you to link other eligible Bank of America® bank accounts to help cover transactions and help avoid overdrafts and overdraft fees using your own available funds. Go online or use the Mobile Banking app2 to choose the order of the accounts we use to cover your transactions, for more control all in one place.

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Link up to 5 eligible backup accounts

Help protect your business from overdraft fees by linking eligible Bank of America accounts, such as another checking or savings account.

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Automatically transfer money

Cover your payments and purchases by automatically transferring money from your linked backup account(s) when needed.

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No cost to enroll

There is no overdraft protection transfer fee.3 This optional service can help you cover your payments and purchases, and help avoid overdrafts and overdraft fees by automatically transferring available funds from your linked back-up account(s) when needed.

Could overdraft protection benefit you?

Here’s an example of the potential overdraft fees you could incur if two payments post to your account on the same day and each overdraws the account:

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With Balance Connect® for overdraft protection

An overdraft protection transfer is made with no transfer fee.3

Cost: $0

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Without Balance Connect® for overdraft protection

Overdraft fees are charged for each of the two payments.

Cost: $20

Enroll now in Balance Connect® or if enrolled, select your backup accounts

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