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. Bank of America allows transferring credit from 1 card to another. You can transfer money between Bank of America accounts directly at the machine as long as those accounts are linked to a single debit or ATM card. If you owe $4,000 on another card and your Bank of America card has a credit limit of $3,000, you won't be able to transfer the entire amount. If your email address or your mobile number changes, you are responsible for informing us of that change. Automatic Alerts provide you with important account notifications, such as information about a money transfer, insufficient funds or availability of a paperless statement. Please see section 7B below regarding reporting an error involving an unauthorized transaction. ET cut-off. If you're looking to send money abroad and not worrying about setting up multiple transactions while doing so, you should definitely take a look at Wise. 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. It offers tax advantages that allow you to keep more of your hard-earned money, plus you can use it now or save it to cover health care costs in the future. Screen images simulated. What to do if you want to cancel a Remittance Transfer: You have the right to cancel a Remittance Transfer and obtain a refund of all funds paid to us, including any fees, within 30 minutes of your confirmation of the transfer. For information regarding your liability for unauthorized transactions, see section 8 of this Agreement. Make YOUR next transfer using the Bank of America Mobile Banking App. If a User ignores your request, we may decide or Zelle may decide, in our sole discretion, that we will not send a reminder or repeat request to that User. Prior to sending a Remittance Transfer, we will provide you with certain important disclosures including, if applicable: (i) the amount that will be transferred to the recipient, (ii) a description of any fees or taxes we impose, (iii) the total amount of the transaction (which is the sum of (i) and (ii) above,) and (iv) the exchange rate we will use in the event you tell us that the receiving account is denominated in a foreign currency and you identify such currency. 3/ Funds transferred as a payment to an eligible credit card, business line of credit, home equity line of credit during draw period (HELOC), installment loan or mortgage (together Loan Accounts)after the applicable cut-off time indicated above but by 11:59 p.m. Most payments are made by electronic transmission. For instance, we will not be liable: For the provisions governing our liability for Same-Business Day Outbound wire transfers and international transfers please see Section 6. 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. Tap "Transfer" and then choose "Account or Brokerage Transfer". Bank of America wire transfer customer service. Sequences shortened. Unless otherwise required by law, in no event will Bank of America be liable to you for special, indirect or consequential damages including, without limitation, loss or damage from subsequent wrongful dishonor resulting from our acts or omissions or lost profits, even if we are advised in advance of the possibility of such damages. You understand that use of this Service by you shall at all times be subject to (i) this Agreement, and (ii) your express authorization at the time of the transaction for us or another Network Bank to initiate a debit entry to your bank account. The provisions of Sections 10.A, B and C shall survive termination of this Agreement. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the Service. Internal Transfer send limits for both Sections 2.A and 2.B are set at the customer profile (User ID) and apply to all accounts visible in the "From" dropdown when initiating an Internal Transfer. Bank of America money transfer fees are prohibitive for all those who maintain a USD account. If a check has been issued for your bill payment, any stop payment provisions that apply to checks in the agreement governing your bill pay funding account will also apply to Bill Pay. 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. Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices. We strive to provide you with information about products and services you might find interesting and useful. In most cases assuming both accounts are held with the same financial institution you can just log into your account online, and transfer money from one account to another. Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods); Materials that promote intolerance, violence or hate; Traveler's checks, money orders, equities, annuities, or currencies; Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etc. 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. Currency conversion charges also may apply to international outbound transfers. The name of the person receiving the funds, and if you know it, his or her telephone number or address; 4. Bank of America outgoing international wire transfer fees in USD: $45. Since all payments are irrevocable and cannot be reversed, you should be careful to verify that the RFP you receive is from a Payee you know and trust and that the amount you enter is correct before sending a payment. A funds transfer is the movement of money between eligible accounts. Our liability policy regarding unauthorized Online Banking transactions on consumer deposit accounts may give you more protection, provided you report the transactions promptly. FIRE, OUTAGES OF COMPUTERS OR ASSOCIATED EQUIPMENT, QUARANTINES, PANDEMICS. Learning all you need to know about ACH transfer limits and penalties. You may cancel one or more of your Services at any time by notifying us of your intent to cancel in writing, through Online Banking secure mail, or by calling customer service at 800.432.1000. individual retirement account or accounts that limit electronic fund transfers). We reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, that you are using the Service for other purposes, orif we believe you are using the Service in a manner that exposes Bank of America or Zelle to liability, reputational harm or brand damage, including but not limited to using the Service to request, send or receive money related to any of the following: Illegal or brand damaging activities include, but are not limited to: We may determine other eligibility criteria in our sole discretion. Just open the app, sign into your account, and select Transfer/Zelle.. For General & Security and Account Alerts, you can also choose to havethese sent to a secondary email address, a mobile device that accepts text messages or a mobile device that can receive our Mobile App Alerts through a push notification system. 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. Payments (other than payments to a Bank of America Payee) initiated before 5:00 p.m. Payments entered after this cut-off will be scheduled and processed on the next business day. You may make payments 24 hours a day, 7 days a week, including weekends and holidays. The per-transaction limit for small businesses is $5,000.. A wire transfer sent to an account in the U.S. generally takes 1 to 2 days to arrive. You will still be responsible for any payment you authorize us to make even if you enter the wrong amount. Payments that are entered after this cut-off time or on a day that is a non-business day will be scheduled and processed the next bank business day. While Bank of America does not charge for the delivery of the alerts, please be advised that text or data charges or rates may be imposed by your carrier. The confirmation code or number of the transaction. Unless indicated otherwise by the context, "linked Bank of America accounts" or "linked accounts" refers to all of your accounts with Bank of America and its affiliates that are linked to the Service. We provide all-in pricing for exchange rates. Youll receive a confirmation that the transfer was successful.. and thats it! This process may impact when fees apply to your account. Future scheduled and recurring payments to your Loan accounts from your account at another financial institution can be canceled prior to midnight ET on the calendar day prior to the date the payment is scheduled to be made. 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. Text message fees may apply depending on your mobile carrier plan. Payments to your Bank of America credit card or vehicle loan up to $249,999.99, can be scheduled from a checking, money market savings or other consumer asset accountmaintained at another financial institution that you have added to Bill Pay. Relationship-based ads and online behavioral advertising help us do that. As part of Online Banking enrollment, you consented to theOnline Banking Electronic Communications Disclosure (eCommunications Disclosure) which allows us to provide you with account-related communications electronically. We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. Except for Remittance Transfers, you can cancel future scheduled and recurring domestic transfers prior to midnight ET on the date processing for the transfer is scheduled to be initiated by accessing the Transfers page and selecting To/From my accounts at other banks or To someone else or business This is the preferred method for cancelling transfers. As mentioned above, the best way to transfer money from one account to another will depend on the circumstances. Alerts sent to your primary email address wont be affected by this action. Here's a summary of the cost of making an international wire transfer at Bank of America: USD 45 transaction fee for outbound international wires. We will determine whether an error occurred within 10 business days after we hear from you, and we will promptly correct any error we have made. Opting out of the alerts will automatically STOP all security alerts from being sent to you. Our Call Centers are 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, excluding bank holidays, and may be reached through the contact numbers contained in the applicable sections of this Agreement. Payments to your credit card or business line of credit account initiated by 11:59 p.m. As always, we will only use personally identifiable information if needed and in accordance with our Online Privacy Notice and U.S. Consumer Privacy Notice. Your name and address or telephone number; 2. 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