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Certain transactions you make to your checking accounts after the business day cut-off and before midnight* are included in the balance we use to pay transactions that night. This process may impact when fees apply to your accounts. The credits can help you avoid overdrafts, returned items and related fees. However, the debits may cause you to incur overdrafts, returned items and related fees.

The After Business Day Cut-off transaction deadline is based on the state where you opened your account and is listed in the table below:

After Business Day Cut-off Transaction Deadline:

State Where Account Was Opened*After Business Day Cut-off Transaction DeadlineAR,AZ,CA,IA,ID,IL,IN,KS,MI,MO,NM,NV,OK,OR,TX,WA11:59 PM Central TimeCT,DC,DE,FL,GA,MA,MD,ME,NC,NH,NJ,NY,PA,RI,SC,TN,VA11:59 PM Eastern Time

*may not be midnight local time in some states.

The following credit transactions increase your balance used to pay transactions that night: cash deposited at an ATM or at a financial center, and transfers to your account from another Bank of America deposit account made at an ATM, at a financial center, through Online Banking or through Customer Service.

The following debit transactions reduce your balance used to pay transactions that night: cash withdrawals made at an ATM or at a financial center, and transfers from your account made at an ATM, at a financial center, through Online Banking or through Customer Service. To maintain a positive balance you need to ensure you have adequate funds in your account or in an account you linked for overdraft protection. Learn more about Overdraft Protection to cover these transactions.

The table below shows how transactions you make affect the balance we use to pay transactions, and the date that a transaction will appear on your account statement.

*may not be midnight local time in some states, see After Business Day Cut-off Transaction Deadline table.

The 2nd row in the table above illustrates that transactions made between Business Day Cut-off and midnight are included in your balance used to pay transactions that night but post to your account on our next business day.

A travel checklist can help you plan ahead, avoid problems and reduce stress. Here are a few travel tips to get you started on creating your own checklist:

• Take your banking with you wherever you go with the Mobile Banking app
• Get rewarded for your travel expenses by using the BankAmericard Travel Rewards® Credit Card: You'll earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and there's no expiration on points
• Register a USB security key for an extra layer of security and increased transfer limits when using Online and Mobile Banking.
• Use a digital wallet, a digital form of your physical debit or credit card that has a unique card number different from your physical card's number
• Find an international partner ATM and avoid the non-Bank of America ATM $5 usage fee. (Please note that the international ATM locator is not yet available on the Mobile Banking app, so when using a mobile device or search for "international ATMs" using your mobile browser.)
• Order foreign currency before you travel and avoid the hassle and expense of changing money abroad
• Book your flight, hotel, car or cruise with using the
• Contact your mobile phone carrier prior to leaving the U.S. to ensure your plan includes international calling

For more travel tips, check out these .

Log in to Online Banking and select the Contact us link in the Help & Support menu, then choose the topic you would like to discuss. The best ways to contact us will be displayed depending on the topic chosen.

If email agents are available for the topic you selected, you’ll see Email us as the last contact option listed on the page. Within 2-4 business days after sending us a message, you’ll receive an alert to inform you that our response is available in your Online Banking Message Center.

Since email is not available for most topics, we suggest that you contact us by phone, by making an appointment, by visiting us at a financial center or by reaching out on our Facebook page layer (select the Get Help link) or on . You can also write to us at:

Mobile Check Deposit is here to help. This solution allows you to deposit checks from the comfort of your own home! Don't have the mobile app? Get the Mobile App here.

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