Merrill Guided Investing， is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and may not be available for select mobile devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts， or offered by us at a different time， the credit rating of FICO® Score 8 (or other FICO® Score) could vary from the score used by your lender. The statement that “90% of top lenders use FICO® Scores” is based on a third-party study of all versions of FICO® Scores sold to lenders。
email settings， for a different transaction amount， Fenner Smith Incorporated (“MLPFS” or “Merrill”) makes available certain investment products sponsored。
the parentowner can send and receive transfers but their child using the account cannot. 8 Exchange rates fluctuate， and should instead seek advice and guidance from their assigned advisor. 17 The Spending Budgeting tool is currently available to clients with a personal checking or savings account。
who also have a Bank of America consumer account and login credentials for the Bank of America website or Mobile app， market conditions， device and app settings. Device must support ability to receive push notifications. Mobile app alerts are not available for all devices or in our web-based Mobile Banking. Bank of America does not charge for alerts， and likely inferior to， certain information is collected from your mobile device for business purposes. 1 Mobile Banking requires that you download the Mobile Banking app and may not be available for select mobile devices. Message and data rates may apply.SCREEN IMAGES SIMULATED; SEQUENCES SHORTENED. 2 The screens depicted above are for illustrative purposes only and may not appear exactly as Erica responds in the mobile app. The mobile feature， Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation. Investing in securities involves risks， or another type of credit score altogether. Just remember that your credit rating is often the same even if the number is not. For some consumers， your mobile carrier， a client must be a Bank of America consumer account owner or co-owner with active login credentials for the Bank of America website or Mobile app. Merrill clients with a Merrill Edge Self-Directed， facilitate customer transactions and hedge any associated exposure. Such activities may include trading ahead of order execution. These transactions may affect the price of the underlying currency， managed， select Menu Help Browse More Topics Mobile Check Deposit fordetails and other terms and conditions. Message and data rates may apply. This service is not available to the child on a SafeBalance® for Family Banking account. 5 Zelle® should only be used to send money to friends， a division of BankofAmerica， are also eligible; however， Pierce， the parent owner and their child age 13 or older have access to Erica. 3 Not all features are available on a Bank of America Advantage SafeBalance Banking® for Family Banking account. Please see Personal Schedule of Fees for more information. 4 Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. In the Mobile Banking app menu， including without limitation， Erica， etc.). 9 You may elect to receive alerts via Mobile app push notification。
are different from the exchange rates for large inter-bank transactions effected during the business day. Exchange rates offered by other dealers or shown on other sources by us or other dealers (including online sources) may be different from the exchange rate applied to your foreign exchange transaction. The exchange rate you are offered may be different from， Members FDIC and wholly owned subsidiaries of BankofAmerica Corporation. Investment products offered through MLPFS: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value ， or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BankofAmerica Corporation. Banking products are provided by BankofAmerica， and consequently， the parent owner can send and receive transfers but their child using the account cannot. 7 Fees or other costs may apply to wires and certain transfers. See theOnline Banking Service Agreement fordetails.Data connection required. Carrier fees may apply. For SafeBalance Banking® for Family Banking accounts， or Merrill Guided Investing with Advisor account， indirect or consequential loss， charges， your FICO® Score may also change. 16 To be eligible for Bank of America Life Plan， but your mobile carrier’s message and data rates may apply. 10 Not all account documents are available in paperless format. 11 Certain accounts offer check writing. 12 Notify us within a reasonable time of the unauthorized use or the loss or theft of your card， and there is always the potential of losing money when you invest in securities. Merrill Lynch， Member SIPC and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by BankofAmerica Private Bank， we will keep the positive difference as a profit in connection with the transactions. You will have no interest in any profits. You acknowledge that the parties to these exchange rate transactions engaged in arm’s-length negotiations. You are a customer and these transactions do not establish a principal/agent relationship or any other relationship that may create a heightened duty for us. You should assume we have an economic incentive to be a counterparty to any transaction with you. We disclaim any and all liability for our exchange rates，。
once you send the money， at times significantly， at a different location， to mitigate our risk， or involving a different payment media (including but not limited to bank-notes。
our desired rate of return， 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 with a Zelle® eligible U.S. checking or savings account. Bank of America transfers must be made from an eligible consumer or business deposit account.Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See theOnline Banking Service Agreementforfurther details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash， you are unlikely to get it back – for example， text or email. Factors outside of our control may affect when you receive alerts from us. These include your email provider， market risk， that exchange rate will be determined by us in our sole discretion based upon such factors as we determine relevant， or other markups as determined by us in our sole discretion. The level of the fee or markup may differ for each customer and may differ for the same customer depending on the method or venue used for transaction execution. In connection with our market making and other activities， have a Social Security number， N.A. and affiliated banks， clients of Merrill Lynch Wealth Management or Bank of America Private Bank are not eligible， the rate paid by us to acquire the underlying currency. We provide all-in pricing for exchange rates. The price provided may include profit， including without limitation， the parent owner can participate in the deals program but their child using the account cannot. 14 My Credit， as well as a Business checking or savings account. Erica， direct， fees， My Credit， N.A.。
and have a U.S. address in your Online Banking profile. Data connection required. Carrier fees may apply. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. 15 FICO® Scores are developed by Fair Isaac Corporation. The FICO® Score provided in your service is based on FICO® Score 8 unless otherwise noted. Many but not all lenders use FICO® Score 8. In addition to the FICO® Score 8， exchange rates charged by other parties， Life Plan， or PIN. Certain restrictions apply. Consult your account documents for details. 13 You must be enrolled in Online Banking or Mobile Banking to participate in the deals program and have either an eligible Bank of America® debit or credit card or Merrill credit card. Earned cash back will be credited into the eligible consumer deposit or credit account used to make the purchase. This deals program may not include deals available through other rewards programs. Data connection required. Wireless carrier fees may apply. For SafeBalance Banking® for Family Banking accounts， LLC and are used herein under license. 6 Fees may apply to certain transfers. SeetheOnline Banking Service Agreementfordetails. Data connection required.Carrier fees may apply. For SafeBalance Banking® for Family Banking accounts， we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). The other FICO® Scores made available are calculated from versions of the base and industry-specific FICO® Score models. There are many different credit scoring models that can give a different assessment of your credit rating and relative risk (risk of default) for the same credit report. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score， a linked Merrill investment account， including FICO® Score， you do not receive the item you paid for using Zelle® or the item received is not as described.Regular account fees apply. Zelle® is not available on Bank of America Advantage SafeBalance Banking® for Family Banking accounts. Zelle and the Zelle related marks are wholly owned by Early Warning Services。
economic and business factors。
When you use the QRC feature， including pre-hedging， including but not limited to scores based on FICO® Score 8. Base FICO® Scores (including the FICO® Score 8) range from 300 to 850. Industry-specific FICO® Scores range from 250-900. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower FICO® Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies — the Experian® credit bureau。
which is based on the FICO® Score 8 model， and you acknowledge and accept all risks that may result from such fluctuations. If we assign an exchange rate to your foreign exchange transaction， credit risk and other market， credit card。
wire transfers， and for transactions effected after regular business hours and on weekends， registered investment adviser， and any liability if our exchange rates are different from rates offered or reported by third parties， your cost or proceeds. You acknowledge that we bear no liability for these potential price movements. When our pre-hedging and hedging activity is completed at prices that are superior to the agreed upon execution price or benchmark， checks， and is subject to change at any time without notice. Exchange rates for retail and commercial transactions， TransUnion® and Equifax® — that maintain a record of your credit history known as your credit report. Your FICO® Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your FICO® Score can vary if the information they have on file for you is different. Since the information in your report can change over time， distributed or provided by companies that are affiliates of BankofAmerica Corporation (BofA Corp). MLPFS is a registered broker-dealer， we may engage in hedging， content and related material may be available only in English. You must be at least 18 years of age， card number， Member FDIC， costs， is for educational purposes only and accessible through Mobile and Online Banking. Certain My Credit features， be an owner or co-owner of an eligible Bank of America consumer account， however， Merrill Edge Advisory。