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.

(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.

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.

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.

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.

Hello

My name is Holly O’Neill, and I am responsible for Client Care at Bank of America.

Our highest priority right now is the health and well-being of those we care about.

This includes the many steps we are taking to ensure our financial centers are safe for our team and for you.

Of course, we have many ways you can take care of your financial needs without ever leaving home, through online or on your phone.

More than 39.1 million people actively use our Online Banking services.

And more than 29.8 million clients use our Mobile Banking services, including our award winning mobile assistant, called Erica.

Through Mobile Banking,

You can check balances, transfer funds, make payments, and set up alerts that work for you and your priorities.

If you need financial assistance, you can also request a deferral of a payment – for example on your mortgage, credit card or auto loan with Bank of America.

Mobile Banking will also be helpful for our clients in the upcoming weeks, as Economic Impact Payments begin to arrive to eligible Americans from the U.S. Government.

This process will continue for several weeks.

Some people will receive the payment through direct deposit, and some will receive a paper check in the mail.

For information about who is eligible, and how payments will happen – visit the IRS website. It includes information and answers to common questions, at www.irs.gov.

For your account, and questions you may have for us – we recommend you take these steps:

Make sure you have our Mobile Banking app on your phone.

Take a look at how you can deposit your check just by opening the app, clicking where it says “Deposit Checks”, and following a few easy steps. You will receive confirmation of the deposit quickly and securely.

Check out all you can do on the app, including setting up direct deposit or low balance alerts, and using our digital assistant, Erica.

There will be no fees for depositing your Economic Impact Payment check through Mobile Banking.

You can also check your balance, or deposit a paper check, at our ATM’s.

To find an ATM that accepts deposits – find an open Financial Center – or learn more about how we’re taking action – use the tools in Mobile Banking, or online at www.bankofamerica.com.

We continue to listen closely to your feedback. My team monitors every transaction, every call – and we will continue to respond with updates like this one.

Thank you for being our client, and please be safe.

OUR TEAMS ARE AVAILABLE TO SERVE YOU Assisting our clients

In our newest video with Holly O’Neill, Head of Consumer, Small Business & Wealth Management Client Care, hear about the additional assistance we are providing to help clients and small businesses experiencing hardships. Also hear about Bank of America’s digital and mobile resources available to you and all of our clients who may need to bank at home.

As we continue to focus on what matters to you, we want to know about your experience with us. If you would like to share any feedback or comments, please email Holly directly at holly.clientcare@bofa.com.

If you have a servicing request, please contact us as email is not a secure way to send confidential information.

Important update to the Paycheck Protection Program

New federal legislation extends the Small Business Administration’s (SBA) deadline to approve new Paycheck Protection Program (PPP) loan applications from March 31 to May 31, 2021, or sooner if funding runs out. The legislation also enables the SBA to continue processing pending PPP loan applications for an additional 30 days after its May 31 deadline; however, lenders must complete processing and submit all applications to the SBA by May 31.

With this program extension, Bank of America is now accepting new applications for first draw and second draw PPP loans.

In order to provide the necessary time for processing loan applications prior to May 31, and as long as funding remains available:

• We will accept new PPP loan applications until 11 p.m. ET on May 14

• Applicants must provide all required supporting documentation (this does not include promissory notes) by 11 p.m. ET on May 24 in order for their loan application to proceed. If an applicant has already received from us an earlier deadline to submit required documentation, all documentation must be submitted by that earlier date.

• We will discontinue all loan application processing at 11 p.m. ET on May 28 or when funding becomes no longer available, whichever comes first

Visit our Small Business Assistance Site to learn how to access our PPP loan application.

Application process for sole proprietors, independent contractors and single-member LLCs

In March, the SBA released new guidance allowing sole proprietors, independent contractors and single-member LLCs that file an IRS Form 1040 Schedule C to use either gross income or net income in calculating the amount of their requested PPP loan.

Given the extension of the PPP application window, the possibility that federal funding may run out prior to the May 31 deadline, and the time required for us to process applications before submitting them to the SBA, please note:

• Eligible sole proprietors, independent contractors and single-member LLCs who wish to apply for a first or second draw PPP loan using net income are welcome to apply at any time using our existing loan application, as long as we are accepting new applications

• We plan to launch a new PPP loan application in late-April, which will provide eligible sole proprietors, independent contractors and single-member LLCs who file a Schedule C the option to apply for a first or second draw PPP loan using gross income. Eligible clients can choose to wait and apply using gross income in late-April, although program funding is limited and may not be available at that time.

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.

Please note:

We will continue to process loan forgiveness applications for clients who previously submitted completed applications with all supporting documentation. Clients who wish to withdraw and apply using the simplified application process should notify us immediately. Once we submit a client’s application to the SBA, the client may be unable to withdraw it.
Clients who previously withdrew their application for loan forgiveness, or whose application was canceled due to incomplete documentation, are welcome to start a new application

As a reminder:

You have until the maturity date of your loan to apply for forgiveness, as long as you have an outstanding balance on your PPP loan. This guidance applies regardless of the terms in your PPP Promissory Note.
You do not need to apply for loan forgiveness on your first PPP loan in order to be eligible for a second draw PPP loan. For details on eligibility and requirements for second draw PPP loans, please visit the SBA website.

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.

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.

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.

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.

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.

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.

CLIENT INFORMATION We’re here to help

Stimulus Payment

GO MOBILE Convenient and secure banking

OUR TEAMS ARE AVAILABLE TO SERVE YOU Assisting our clients

Manage your credit card

Stay connected, stay protected

FINANCIAL CENTERS UPDATE Steps we're taking

Important update to the Paycheck Protection Program

Eligible clients can apply now for PPP loan forgiveness

Managing your payments

See how CARES Act provisions may affect IRAs and retirement plans.

Helpful perspectives in volatile times

For additional resources and updates, visit the Centers for Disease Control and Prevention (CDC) or download our fact sheet.