Wells Fargo payments Easily make payments to your Wells Fargo credit and loan accounts. . Transfer money between your accounts immediately 2. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and, receive money from another User either at that Users initiation or at your request, subject to the conditions of the Section below titled Requesting Money.. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service. ET will be appliedon the same day. Upon your receipt of a RFP, you may respond by making a payment in an amount you designate to the Payee submitting that RFP or you can elect to disregard the RFP. You are responsible for all transactions performed by you and any designated user(s), including Administrator(s), whether you specifically authorize the transactions or not. Returned item fees from the payee or overdraft fees may apply if you schedule payments or transfers and your available balance is not sufficient to process the items on the dates scheduled and/or on the dates when the items are presented to us for payment. Move money between accounts or between banks 1 Between your accounts Balance low? Based on those accounts linked to online profile used with IIT service. Please note that the exchange rate will be different from the original rate applicable to the transfer, which may result in a loss to you. Also, the state law applicable to your account may give you more time to report an unauthorized transaction or may give you more protection. Apply Online Or, call us at 1-800-374-9700 ( TTY 1-800-788-0002) to open an account or learn more. Some accounts and services, and the fees that apply to them, vary from state to state. When you enroll to use the Service you agree to the terms and conditions of this Agreement. It is your responsibility to verify the accuracy of that information prior to sending a payment. Log in to the online account and select "Transfers.". The terms and conditions for those account agreements, including any applicable fees, transaction limitations, liability rules and other restrictions that might impact your use of an account with the Services, are incorporated into this Agreement. If we do elect to initiate the transfer, which may involve one or more attempts on subsequent business days, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees, as set forth in your Deposit Agreement. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. 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. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use, unless otherwise required by law or as otherwise provided in this Agreement, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed 60 days' interest. We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a transfer from an account maintained at another financial institution). Higher transactionlimits may also apply for Bank of America Private Bank, Merrill or small business accounts. . Regulation D is a federal law that keeps consumers from making more than six withdrawals or transfers per month from a savings account or money market account. For transfers other than Remittance Transfers, including general questions, requests for cancellation of payments and transfers, or to report unauthorized transactions, please call us at 800.432.1000 or 866.758.5972 for small business accounts, 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. 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. Immediate transfers made using RTP are irrevocable and cannot be reversed or stopped once made. 6/ For international outbound transfers, funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer. However, some banks have a low limit of $2,000. You must select and activate account alerts; you can turn off account alerts at any time. If we fail or delay in making a transfer pursuant to your instructions, or if we make a transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law or as otherwise provided in this Agreement, our liability shall be limited to correcting the error. Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Balance Connect for overdraft protection is an optional service which allows you to link your eligible checking account to up to 5 other Bank of America accounts and automatically transfers available funds from your linked backup account(s) to cover transactions that exceed the available balance in your checking account. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked. Under the terms of this Agreement, you may use the Services to obtain financial products and services, access and view account information, and, for certain accounts, move money electronically and perform authorized transactions, for eligible U.S.-based Bank of America consumer and small business accounts and affiliate accounts linked to the Service, such as those at Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Merrill"). . The fees vary depending on the account or bank the recipient has. You can use the Real Time Payments Service (RTP) to receive a Request for Payment ("RFP") from other individuals or businesses with a bank account at a financial institution participating in RTP ("hereinafter Payee") and to pay such RFPs from an eligible checking account to that Payee using RTP. We provide all-in pricing for exchange rates. View your rate > Log InContact Us Products However, alerts may include your name and some information about your accounts, such as your accountbalance or due date. The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. There may be other circumstances when the payment may take longer. After a transfer is processed, Chime's bank partners ask that we hold the transfer for at least three (3) business days. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question and up to 20 business days to provisionally credit your account. What is the Transfer Limit of Bank of America? Pay it off today with a low fixed-rate personal loan. Bank of America, N.A., Member FDIC. 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. For example, Chase Bank sets the limit at $100,000 for individuals, but offers higher limits to businesses on request. Please note that beneficiary banks located in some countries may take several days or even weeks to credit the receiving account. We usually notify you when we cancel alerts, but are not obligated to do so. NEITHER WE NOR OUR VENDORS, INCLUDING OUR OR THEIR OWNERS, DIRECTORS, OFFICERS OR AGENTS, WARRANT THAT THE WEB SITE, OR THE SERVER THAT MAKES THEM AVAILABLE, IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. For investment accounts only, all stock exchange closures and holidays will be observed (such as Good Friday) as well as the bank holidays. Money transfer Bank of America, N.A. International wire transfers can take up to 15 days depending on the sending country. Since we can't predict the exact date that a personal check will be presented to us for payment, please make sure you have sufficient funds in your account beginning a few days before your scheduled delivery date and keep such funds available until the payment is deducted from your account. For information regarding your liability for unauthorized transactions, see section 8 of this Agreement. Thursday. Corporate check This is a check drawn on our account or the account of our vendor. You may use the Service to make one-time transfers from a linked Bank of America checking, savings, money market or line of credit account to most checking, savings or money market accounts of other Bank of America customers using their account number. Three-Business-Day ACH transfers and Next-Business-Day ACH transfers may be made through the Automated Clearing House processor selected by us or directly to another bank, and you agree will be subject to the National Automated Clearing House Association rules or our agreement with the other bank, in effect at such time, as applicable. The rule is in place to help banks . The liability for Remittance Transfers is described in Section 6.F. 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. 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. This Agreement is between each owner of an eligible account, a person applying for an eligible account, or authorized representative appointed or entitled to online access on another persons behalf (you or your) and Bank of America, N.A. Text message fees may apply from your carrier. Not so great if you are looking for varied transfer options. For Remittance Transfers, the exchange rate to be applied to the transfer will be set forth in disclosures provided to you for the transfer in accordance with federal law. After you enter your account and routing number, we may need to verify your account . Equal Housing Lender. Because alerts are not encrypted, we will never include your full account number. If we do elect to initiate the transfer, which may involve one or more attempts on subsequent business days, it may cause an overdraft in your account in which case you shall be fully responsible for the overdraft and any Overdraft Item Fees, as set forth in your Deposit Agreement, as well as all late fees, interest charges or other action taken by the Payee. 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. You may also request to cancel a future scheduled or recurring transfer by calling us at. When the limit is exceeded, the payment will be remitted by check. You may not establish a financial account with Zelle of any kind. 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. You may be eligible for higher transaction limits if you add Secured Transfer to receive a one-time passcode on your mobile device or register a USB security key. Personalized insights and guidance to help manage your finances which are sent through Mobile app push notifications. You are responsible for resolving any such disputes you may have with the Payee to whom you sent a payment through RTP. We sent an email with the download link to, We sent a text message with the download link to, Distribute money across multiple accounts with minimal hassle. The following applies to Remittance Transfers. Currency conversion charges also may apply to international outbound transfers. For small business accounts, call 866.758.5972. Then, if everything looks good, select Schedule.. ACH transfers cost a few bucks at most, but sending a bank wire transfer within the U.S. tends to cost from $20 to $30, and there's usually a fee to receive one. Tap "Transfer" and then choose "Account or Brokerage Transfer". With the Bank of America Mobile Banking App, transferring money between your Bank of America accounts, and select the account you want to transfer money from, Select the date you want the transaction to occur. Monday. below. This cancellation applies to your Services, and does not terminate your Bank of America accounts. These ads are based on your specific account relationships with us. The best way to minimize your loss is to call us immediately. Your rights with respect to Remittance Transfers will be explained to you in a disclosure provided to you at the time you initiate each Remittance Transfer. One time transfers may be made at any time and are immediately debited from a checking or savings account's available balance. Bank Wire Transfer Limits. Payments entered after this cut-off will be scheduled and processed on the next business day. 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