Overdraft Protection

Help 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 second eligible 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

  • No cost to enroll; there is only one $12 fee per transfer, no matter how many transactions are being covered that day

  • There is no ODP transfer fee for Bank of America Advantage Relationship Banking and Advantage with Tiered Interest Checking, as well as for clients enrolled in Preferred Rewards

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

The disclosure section is related to Overdraft Protection

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.

Please review the Personal Schedule of Fees also available at your local financial center.

Bank of America Advantage SafeBalance Banking™ and Bank of America Advantage Relationship Banking™ are trademarks and Life/Better Connected, Bank of America and Bank of America logo are registered trademarks of Bank of America Corporation.

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

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Mobile Banking1

Securely manage accounts, pay bills2 and more, anytime, almost anywhere.

How it works:

  • Conveniently check your account balance at any time

  • Deposit checks using your smartphone or tablet3

  • Lock & unlock misplaced debit card to help prevent unauthorized transactions4

  • Sign in and access your accounts using your fingerprint or face recognition5

  • Skip voice prompts6 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.
Get App

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Message and data rates may apply.

Terms and Conditions
Privacy Policy

The disclosure section is related to Mobile Banking

1Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

2​Before using Bill Pay in Mobile Banking, you may need to first enroll in the service through Online Banking.

3Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu, select Deposit Checks, then Help for details and other terms and conditions. Message and data rates may apply.

4When 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.

5Certain devices are eligible for enrollment in Touch ID®, Face ID® or fingerprint sign-in. If eligible, you will have the option to enroll by following the prompts within the Mobile Banking app. 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.

6This 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.

Please review the Personal Schedule of Fees also available at your local financial center.

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.

Bank of America Advantage SafeBalance Banking™ and Bank of America Advantage Relationship Banking™ are trademarks and Life/Better Connected, Bank of America and Bank of America logo are registered trademarks of Bank of America Corporation.

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.

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

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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:

  • Avoid overdrafts by setting an alert for a low balance threshold of your choice

  • Set alerts for unusual card activity, 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

The disclosure section is related to Alerts

1You may elect to receive alerts via text or email. Bank of America does not charge for this service but your mobile carrier's message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier’s coverage.

Please review the Personal Schedule of Fees also available at your local financial center.

Bank of America Advantage SafeBalance Banking™ and Bank of America Advantage Relationship Banking™ are trademarks and Life/Better Connected, Bank of America and Bank of America logo are registered trademarks of Bank of America Corporation.

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.

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

AR98QSWJ/5V10CE

Bank of America Advantage 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, Bank of America Advantage SafeBalance Banking may be right for you.

With Bank of America Advantage SafeBalance Banking:

  • Help avoid overdrawing your account1

  • There are no overdraft or returned item 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 Banking2 or transfer money with Zelle® using someone's email or mobile phone number3

  • Low $4.95 monthly maintenance fee waived for:

    Preferred Rewards clients

    Eligible students under age 244

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

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

Here's how:

Open an account online.

Apply now

We're here to help

Book an appointment with one of our associates.

Schedule appointment

Here's how:

Open an account online.

We're here to help

Book an appointment with one of our associates.

The disclosure section is related to Advantage SafeBalance Banking

1While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when you use your debit card for a meal and then add a tip. In this situation, the full payment may go through and result in a negative balance on your account, but we will not charge you an overdraft fee.

2Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

3Zelle is intended for sending money to family, friends, and people with whom you are familiar. We recommend that you do not use Zelle to send money to persons that you do not know. Transfers require enrollment in the service and must be made from an eligible Bank of America consumer deposit account to a domestic bank account or debit card. Recipients have 14 days to register to receive money or the transfer will be canceled. Transactions between enrolled Zelle users typically occur in minutes. However, if your recipient is not yet enrolled with Zelle, transactions may take between 1 and 3 business days after they enroll to be completed. We will send you an email alert with delivery details immediately after you schedule the transfer. Dollar and frequency limits apply. See the Online Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Message and data rates may apply. Please note: We do not provide purchase protection.

4Students under age 24 are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university or vocational program. Please refer to Personal Schedule of Fees for details.

Dollar and frequency limits apply. See the Online Banking Service Agreement for details, including cut-off and delivery times. Data connection required. Wireless carrier charges may apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Bank of America Advantage SafeBalance Banking™ and Bank of America Advantage Relationship Banking™ are trademarks and Life/Better Connected, Bank of America and Bank of America logo are registered trademarks of Bank of America Corporation.

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.

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

AR98QSWJ/5V10CE

Decline All

To further protect yourself from overdrawing your account, switch your account to the Decline All overdraft setting.

What is the Decline All overdraft setting?

Choose this setting if you want us to decline or return transactions if you don’t have enough money in your account at the time of the transaction. Checks or scheduled payments will be returned unpaid if you don’t have enough money in your account and may be charged an NSF: Returned Item Fee

Compare overdraft settings:

Example: You are not enrolled in Overdraft Protection and have $450 in your account when a $500 check you wrote for rent is presented for payment1.

Standard

  • Starting balance:

    $450.00
  • Check is paid2:

    -$500.00
  • Overdraft item fee:

    -$35.00
  • Available balance:

    -$85.00

Decline All

  • Starting balance:

    $450.00
  • Check is returned unpaid:

    $0.00
  • Returned item fee:

    -$35.00
  • Available balance:

    $415.00
Note: You could also be assessed fees by the payee, including returned item and late fees
If your account becomes repeatedly overdrawn, we may automatically update your overdraft setting to Decline All.

Here's how:

To switch your account to the Decline All overdraft setting, please visit your local financial center.

The disclosure section is related to decline all