En español client information We’re here to help "We are focusing our resources on the number one priority - looking after people" — Brian Moynihan, CEO of Bank of America Bank of America will continue to devote the necessary resources to help ensure your personal safety, while maintaining the services you count on. With this in mind, we have temporarily closed some of our financial centers, which may result in longer wait times at other locations. For the most efficient experience, you can schedule an appointment ahead of time. Remember, you can enroll in online banking to manage your accounts, make loan payments, pay bills, and more at your own convenience. As new developments emerge, we will share information with you about how we continue to operate safely and effectively and assist all our clients. Advance Child Tax Credit Payments As part of the American Rescue Plan Act, the U.S. Federal Government is offering advance payments of the Child Tax Credit (CTC) to eligible families. Eligible families should visit IRS.gov/childtaxcredit2021 to provide the IRS with the most-up-to date bank account information to avoid the potential for incorrect or delayed payment delivery. If you’re receiving payment by check, you can deposit your check using our Mobile Banking app and get immediate confirmation that your deposit is processing. For help in locating more detailed information and answers to your questions, visit IRS.gov/childtaxcredit2021. Your family’s financial needs are always a priority. Explore tips and resources that can help with both today’s and tomorrow’s goals. go mobile Convenient and secure banking Our Mobile Banking app1 is a convenient way to check account status, pay bills and deposit checks from almost anywhere. Erica®, your virtual financial assistant in the app, can help you make your everyday banking easier.2 You can also use your phone’s digital wallet to pay at stores where you see the contactless symbol. No need to touch cash or in many cases, the terminal. Plus, you can use your digital wallet to pay for purchases online and in-app at participating merchants. See how easy it is to use our secure Mobile Banking app with our guided demos. play 8.3 External Marketing Video Final video With the Bank of America Mobile App, managing your money has never been easier or more secure. Use fingerprint to log you in with a touch. Then see everything you need at a glance. Customize your dashboard just the way you like it. You can conveniently deposit checks anytime from almost anywhere. And manage all of your bills in a single place. Send money fast with Zelle. And stay in the know with Security and Account alerts. Use My Rewards to view all of your rewards in one place. And view & redeem your credit card rewards. Manage your cards with ease. Replace a lost or stolen card OR lock and unlock your debit card, all with a few clicks. And you'll have easy access to your statements… All to help you stay on top of your finances with the Bank of America Mobile App. What would you like the power to do? Download the Bank of America Mobile App today. Everyday banking Discover our Mobile Banking app for secure banking from almost anywhere. play Bill Pay Parity Final video (soft upbeat music) Pay bills anytime, almost anywhere, with your Bank of America mobile banking app To get started, open your app Sign in. And click on Bill Pay. Entering bill information is easy and you only have to do it once. Make sure you have a copy of your bill handy To start, select Add Payee, and begin by choosing whether you want to add acompany or a person. Enter a company name to search the list of major businesses. (upbeat piano music) If the company is found, all you have to do is add an optional nickname, the account number, and zip code. Click on save and you are finished setting up your payee. If you don't find the company you are looking for, you can always add it by entering in the company's information as it appears on your bill. To make a single payment, simply place a check mark in the box next to the bill you would liketo pay, and click on Make Payment. Enter the amount, delivery date, and an optional memo or note. Tap Make Payment, and you will receive a confirmation that your payment has been scheduled. To pay more than one bill at a time, check the box for each bill that you would like to pay, and click on Make Payment. Enter the amount, delivery date, and an optional memo or note for each payee selected. Tap Make Payment, and you will receive confirmation that your payments have been scheduled. (upbeat piano music) You can find the outgoing payments at the top of the Activity tab. They can be edited or deleted if they have not started processing. Payment History can be found on the Activity tab beneath any outgoing payment. You can search for payments made or E-bill summary information within the past two years. Click on Filter, and select the date range and status of the history you would like to see. Click on Done, and view the specified payment history. Automatic payments can be set up based on a fixed amount and date. Or based on E-bill data while making a payment, or from the Payee page. On the Payee page, select Add Auto Pay If you receive E-bills, click on Based on E-bill's amount and due date. Choose the amount you want to pay, and when you want the payment delivered. Once selections have been made, click on Continue. If you do not have E-bills, you can set up Auto Pay based on a fixed amount and date. Click on Add Auto Pay from the Payee page, and select Using an amount and date I choose. Enter the amount you want to pay, how often you want the payment to be sent, and when you want the first payment delivered. You choose how long you want this recurring payment to continue. You can even set up e-mail notifications and get a heads up about the status of your upcoming payments After your Auto Pay has been scheduled, you can save your confirmation as a PDF, print it, or send it as an e-mail. Bank of America makes it easy to securely manage your bills in the mobile banking app. You can confidently use Bill Pay, because we will process your payments based on your instructions. It's banking made easier with the Bank of America mobile banking app. In your hand, and at your fingertips. Try it today. (upbeat piano music) Pay bills See how to easily pay bills using our Mobile Banking app. play BA14354293_3_BOFA1218HOWTO_FINAL_092019_Original video Zelle in our mobile app is a fast, safe way to send and receive money with friends, family, and businesses you trust no matter where they bank in the U.S. -- with no fees in our app. Here's how to use it. Sign in to our app and tap Transfer | Zelle. If it's your first time using Zelle, tap Setup. Follow the prompts to enroll, which include adding your U.S. mobile number or email that others can use to send you money. Say you want to send $20 to Tim for yesterday’s lunch. In Transfer | Zelle tap Send. Enter Tim’s contact information or select Tim from your contact list. Enter the amount, select the account, and tap Continue. Verify Tim’s information is correct, then tap Send. If he’s already enrolled with Zelle, Tim will get a text or email saying you sent him money, and the funds will go directly to his bank account. If he’s new to Zelle, the text or email will include a link with instructions on how to receive his money. You can also request money, like rent from your roommates, or to split expenses for that weekend trip. Keep in mind, with Zelle your money moves from your bank account to someone else's in minutes. So it's important you know and trust who you are sending money to and never use it with others who you don't know, or to pay for goods and services you have not yet received. So next time you need to send or receive money, just open your Bank of America app and tap Transfer | Zelle. Send and receive money Use Zelle®3 to send and receive money with friends and family. play How to deposit a check with the Mobile Banking app video Depositing a Check is simple, with our Bank of America mobile banking app Start by opening your app, signing into your account and selecting “Deposit Checks.” Then, take a picture of the front and back of the endorsed check with your smartphone or tablet. Hold your device steady, directly over the check, and the photo will be taken automatically. Once both sides are captured, you can select the right account to receive the deposit … then enter the amount. Aﬅer you tap continue, you can confirm the details and select “Deposit.” You’ll immediately get a message that your deposit is processing. And within seconds, we’ll send you an email verifying that it was received. Funds are generally available the next business day. Its banking made easier with our Bank of America mobile banking app In your hands and at your fingertips. Try it today. Mobile check deposit See how to use our Mobile Banking app to deposit checks4 into your account. Manage your credit card Enroll in Online Banking or Mobile Banking to get quick online access to the most frequently used credit card features and services. You can activate your card, report a lost card, change your PIN and more — all from the convenience of home. Manage your card Stay connected, stay protected To help keep your account information safe and secure, make sure your contact information is up to date and set up security and account alerts5 so we can stay in touch. Remember, if we need to reach out to you, we’ll NEVER ask for personal or financial information or an access code through email, text or unsolicited calls. Visit our Security Center or the Federal Trade Commission's Coronavirus Scam Tips for tips on how to recognize potential scams and learn more about how to keep your accounts safe. financial centers update Steps we're taking Keeping our financial centers open is one of the many ways we can help meet your financial needs. Our top priority is the health and safety of our clients and teammates. In all of our financial centers, we continue to align with the health and safety guidelines issued by the Centers for Disease Control as well as with any local and state ordinances. We recommend visitors wear face coverings when visiting our centers, we have taken proactive steps to enhance cleaning procedures and have measures in place to help maintain 6 feet distancing. In some locations, you may be required to wear a face mask or covering to enter, based on local guidelines. Our locations may have reduced hours, alternate days of operations or may have been temporarily closed. Please use our Financial Center and ATM locator to check the hours and services available in your area. Important update to the Paycheck Protection Program The Small Business Administration (SBA) is no longer accepting Paycheck Protection Program (PPP) loan applications. For the latest information on PPP please visit the SBA website. As new information about the Paycheck Protection Program becomes available, we’ll provide updates at our Small Business Assistance Site. Eligible clients can apply now for PPP loan forgiveness Our PPP loan forgiveness portal is now open and includes a simplified forgiveness application for PPP loans of $150,000 or less. We will email clients with a link to access our loan forgiveness application over the coming weeks, when the application becomes available to them. For more details on how to apply, visit our PPP loan forgiveness site. Managing your Home Loan Payments Bank of America offers additional support to our consumer clients with concerns on the ability to make their home loan payment. Get payment information See how CARES Act provisions may affect IRAs and retirement plans. Get details Helpful perspectives in volatile times Latest Merrill insights Find valuable ideas for managing risk and navigating today’s markets. Read insights Global Research & Insights View selected timely content from BofA Global Research. See research Better Money Habits® Financial tips and resources to help you manage all aspects of your money now. Learn more For additional resources and updates, visit the Centers for Disease Control and Prevention (CDC) or download our fact sheet. Visit CDC Download fact sheet Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC, and wholly owned subsidiaries of Bank of America Corporation. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as ”MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value The Small Business Administration and the Department of Treasury continue to provide additional guidance concerning the Paycheck Protection Program. Thus, Bank of America makes no representation that information contained herein is up to date or complete. Before submitting a request for loan forgiveness, borrowers may wish to visit the SBA, U.S. Treasury Assistance for Small Businesses and U.S. Treasury FAQ websites for the latest information and guidance related to the Paycheck Protection Program. 1 Mobile Banking: Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. 2 ERICA: The mobile feature, ERICA, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. 3 Zelle: Zelle should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle to send money to those you do not know. Transfers require enrollment in the service and must be made from an eligible Bank of America consumer or business deposit account to a domestic bank account or consumer debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. We will send you an email alert with transaction details after you send money using Zelle. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Regular account fees apply. Payments made between consumers enrolled with Zelle do not typically incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. 4 Mobile 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. 5 Account Alerts: You 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. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. | Privacy | Security | Advertising Practices Bank of America, N.A. Member FDIC. Equal Housing Lender ©2021 Bank of America Corporation. 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