Overdraft Protection

Ease your mind. Help prevent declined transactions and save on overdraft fees.

How it works:

  • Overdraft Protection links your eligible checking account with another Bank of America account such as a savings account, a Money Market Savings account, a second checking account or even a credit card

  • Available funds are automatically transferred to cover overdrafts from your account, provided you have sufficient funds available in the linked account1

  • There is no cost to enroll and you may only pay a $12 transfer fee when you have an overdraft

Compare the potential fees when overdrafts occur

Three checks process and post the same day and each result in an overdraft.

Without Overdraft Protection
Three overdraft fees are charged

Total cost: $105

With Overdraft Protection
One transfer fee covers all three checks that day1

Total cost: $12

Set up now

Not enrolled in Online Banking? Enroll now

Here's how:

  • Click Set up now

  • Log into Online Banking

  • Select the account you want linked to your eligible checking account

Here's how:

  • Click Set up now

  • Log into Online Banking

  • Select the account you want linked to your eligible checking account

Not enrolled in Online Banking? Enroll now

1Overdraft Protection Transfer fees may apply. If your savings or eligible secondary account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Please refer to your Personal Schedule of Fees. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit 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.

Some accounts, services, and fees vary from state to state. Please review the Personal Schedule of Fees for your state, also available at your local financial center.

Privacy and Security
Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself.

Privacy & Security | Advertising Practices

Bank of America, N.A. Member FDIC. Equal Housing Lender © Bank of America Corporation. All rights reserved.

Bank of America, N.A. Member FDIC. Equal Housing Lender© Bank of America Corporation. All rights reserved.

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Mobile Banking1

Securely manage accounts, pay bills and more, anytime, almost anywhere.

How it works:

  • Deposit checks using your smartphone or tablet2

  • Lock & unlock misplaced debit card to help prevent unauthorized transactions3

  • Sign in and access your accounts using your fingerprint4

  • Skip voice prompts5 when calling from the Mobile Banking app

  • Locate the closest financial center or ATM

  • Pay your bills from your phone from almost anywhere

Mobile Access

Secure access to your accounts anytime, almost anywhere.

Get App

Mobile Access

Secure access to your accounts anytime, almost anywhere.

Please select device.

By providing your mobile number you are consenting to receive text messages. Text message fees may apply from your carrier. Text messages may be transmitted automatically.

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1Mobile Banking requires enrollment through the Mobile Banking app, Mobile website or Online Banking. Enrollment through the Mobile Banking app is not available on all devices. View the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone, Android and Windows 10 (except Xbox) devices. Not all Mobile Banking app features are available on all devices.

2Mobile Check Deposits are subject to verification and not available for immediate withdrawal. In the Mobile Banking app menu, select Get Help, then Mobile Check Deposit for details, including funds availability, deposit limits, proper disposal of checks, restrictions and terms and conditions. Requires at least a 2-megapixel camera. Data connection required. Wireless carrier fees may apply.

3When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply.

4Certain devices with built-in fingerprint scanners are eligible for enrollment in Touch ID® or fingerprint sign-in.  If eligible, you will have the option to check the box for either Set up Touch ID® or Set up fingerprint sign-in within the Mobile Banking app.  Check the box and follow the in-app prompts to enroll.  If you store multiple fingerprints on your device including those of additional persons, those persons will also be able to access your Bank of America Mobile Banking app via fingerprint, including the ability to access a call center, when Touch ID or fingerprint is enabled. Data connection required.  Wireless carrier fees may apply.

5This feature is available on the Mobile Banking app for iPhone and Android devices. This feature is not available to all mobile banking customers. Data connection required. Wireless carrier fees may apply.

Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Windows is a registered trademark of Microsoft Corporation in the United States and/or other countries. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

Some accounts, services, and fees vary from state to state. Please review the Personal Schedule of Fees for your state, also available at your local financial center.

Privacy and Security
Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself.

Privacy & Security | Advertising Practices

Bank of America, N.A. Member FDIC. Equal Housing Lender © Bank of America Corporation. All rights reserved.

Bank of America, N.A. Member FDIC. Equal Housing Lender© Bank of America Corporation. All rights reserved.

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Alerts

Start getting alerts1 to help stay in control of unusual card activity and stay on top of all your accounts.

How it works:

  • Set alerts for unusual card activity2, card transactions, available balance and more

  • Choose which alerts to turn on or off

  • Alerts display directly on your phone, even when not logged in

  • Know when checks are cashed, when money is deposited and more

Set up now

Not enrolled in Online Banking? Enroll now

Here's how:

  • Log into Online Banking

  • Choose the alerts you want, and how you'd like to receive them

Here's how:

  • Log into Online Banking

  • Choose the alerts you want, and how you’d like to receive them

Not enrolled in Online Banking? Enroll now

1Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider. This feature is not available on the Mobile website. Wireless carrier fees may apply.

2Unusual card activity alerts require enrollment in the Mobile Banking app. To learn more about how to set up alerts, visit www.bankofamerica.com/alerts. Data connection required. Wireless carrier fees may apply.

Some accounts, services, and fees vary from state to state. Please review the Personal Schedule of Fees for your state, also available at your local financial center.

Privacy and Security
Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself.

Privacy & Security | Advertising Practices

Bank of America, N.A. Member FDIC. Equal Housing Lender © Bank of America Corporation. All rights reserved.

Bank of America, N.A. Member FDIC. Equal Housing Lender© Bank of America Corporation. All rights reserved.

AR9594XS

SafeBalance Banking®

Banking that helps you avoid overdrawing your account.

How it works:

If you need help spending only what's in your account, but also want many of the same features of a traditional checking account, SafeBalance Banking® may be right for you.

With SafeBalance Banking®:

  • Get extra help only spending what's in your account to help avoid overdrawing your account1

  • With SafeBalance Banking®, there are no overdraft, non-sufficient funds or extended overdrawn balance fees applied by Bank of America

  • You can't write paper checks. Instead you can pay individuals and businesses using a debit card. Bill pay in Online or Mobile Banking or transfer money using someone's email or mobile phone number2

  • You'll have a predictable $4.95 monthly maintenance fee

Learn more about SafeBalance Banking and if it’s right for you.

Learn more about SafeBalance Banking and if it’s right for you.

Here’s how:

Open an account online.

Apply now

Better Money Habits

Get free tools, information, and videos and tips to better manage your financial life.

Learn more

Here's how:

Open an account online.

Apply Now

Better Money Habits

Get free tools, information, videos and tips to better manage your financial life.

Learn more