![]() ![]() If you need help spending only what's in your account, a Bank of America Advantage SafeBalance Banking® account may be right for you. You may want to consider Balance Connect ® for overdraft protection – With this optional service, we'll automatically transfer available funds from your linked backup account(s) to help cover purchases and payments or help prevent declined and returned transactions. Insights from Erica – Get valuable insights from our virtual financial assistant such as Balance Watch, which lets you know if your account balance is trending toward $0.ĭon’t forget to account for checks you've written that we haven't received yet, as well as upcoming automatic payments and transactions where the final amount may change, such as when you add a tip to a restaurant charge.Alerts – Get your available balance daily, be notified when certain types of transactions (such as scheduled payments) impact your available balance during the day and more.Mobile app – Check your available balance at any time, 24/7.We have some great tools that can help you monitor your account balance and activity: The best way to avoid overdrafts is to always make sure you have enough money to cover your purchases and upcoming payments. Please refer to the Deposit Agreement and Disclosures and the Personal Schedule of Fees for more details. However, you may be charged a fee by the payee. We won't charge a fee when we decline or return an item unpaid due to insufficient funds. If we don't allow the payment to go through, we won't charge a fee.Īn ATM withdrawal, the transaction will be declined and we won't charge you a fee.Ĭheck, Bill Pay payment or a scheduled electronic payment using your routing and account number, we may allow the payment to go through, overdrawing your account, and may charge a fee. If you don't have enough money for:Ī one-time debit card purchase such as groceries or a cup of coffee, the transaction will be declined and we won't charge you a fee, but you may be charged a fee by the payee.Ī recurring debit card payment such as for a gym membership or subscription service, we may allow the payment to go through, overdrawing your account, and may charge a fee. If your wire transfer has been processed, you’ll see a message at the top of the screen that says, “Your transfer has been received.” Select “Transfer Activity” if you’d like to review more details about the status.It depends on the type of transaction.Once you’ve verified that there are no errors, select “Make Transfer.” Confirm that all your transaction information is correct.You will also need to select the transaction date and frequency. Select your account and recipient, then enter the amount you want to send.Now that you’ve added your recipient’s information, you can go back to the “Make Transfer” tab to set up a new wire transfer.Enter the recipient’s personal information and bank details.If you’ve already added your recipient’s account previously, skip ahead to step eight. To add a recipient, select “Add Account/Recipient.” You may be asked to complete an authentication step to verify your account ownership.If you see a Service Agreement, read it through and check the acknowledgment box.Select “To/from other banks (includes wires).” Hover over the “Transfer l Zelle®” tab until you see the pop-up menu.Log in to your online Bank of America account.Whether you will send the wire transfer in U.S.IBAN or country specific account structure.Recipient’s bank routing code or SWIFT/BIC number.Recipient’s personal information, including their country, address and bank name.Collect your recipient’s bank information.Here’s a rundown of how the process works. ![]() Of course, if you prefer a more personal touch, you can always make an in-person wire transfer at your local Bank of America branch. You can send both domestic and international wire transfers to your own accounts, businesses or others from right inside your online Bank of America account. ![]()
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