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.

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.

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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.

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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.

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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.

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Pay bills

See how to easily pay bills using our Mobile 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 & 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.

Have questions about your stimulus check? The U.S. government has begun delivering Economic Impact Payments, otherwise known as stimulus checks, to eligible Americans. These direct cash payments are for financial relief during the coronavirus pandemic. Part one of this video will cover where to find government information about your eligibility, and the amount and timing of your payment. Part two will cover how Bank of America clients can access direct deposits and deposit paper checks once they’ve been released by the Internal Revenue Service, or IRS. PART ONE: How to find government information about your stimulus payment. The IRS is responsible for determining the eligibility, timing, amount and distribution of the Economic Impact Payments. Banks, including Bank of America do not play a role in this determination process. The IRS has stated that funds will be distributed two ways: via check or direct deposit over the coming months. For most people, payments will be deposited directly into the bank account the IRS has on file. It’s typically the same bank account that they have most recently used to receive a tax refund or monthly Social Security payment. Others will receive paper checks in the mail from the government, at the address that the IRS has on file. Bank of America cannot and does not provide personal account or address information to the IRS. Banks, including Bank of America also cannot access information about eligibility, payment amount or timing. Our financial center and contact center associates do not have access to this information. Visit IRS.gov for information about the Get My Payment tool, where you can check payment status and your direct deposit information. PART TWO: How Bank of America clients can access payments once they’ve been released by the IRS. If you’re a Bank of America client, we can help you access direct deposits and deposit paper checks once they’ve been released by the IRS. Here’s how. If you don’t have it, download our Mobile Banking App so you can monitor your account. If you are receiving the money by direct deposit, ask Erica to set up a direct deposit account alert. Then you’ll be notified when direct deposits post to your account. Or, you can monitor your accounts with Online Banking. Go to “Help & Support” in Online Banking to set up a direct deposit account alert. If you are receiving payment by check, you can deposit your check quickly and right from home using the Mobile Banking app, and get immediate confirmation. You can also deposit your check in the nearest ATM. If for any reason to need to visit a financial center, we encourage you to follow current CDC guidelines. You can find the nearest ATM and financial center hours in the Mobile App or Online Banking. Visit bankofamerica.com/HelpfulResources for frequently asked questions including how to deposit a check on the Bank of America Mobile App. Disclosure: 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. The mobile feature, Erica, is only available in the English language. This 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 apply. Sequences shortened. Screen images simulated. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. 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. Bank of America, N.A., Member FDIC. Equal Housing Lender. © 2020 Bank of America Corporation. 3044827

Economic Impact Payment

The U.S. Federal Government began delivering "Economic Impact Payments", as part of the Coronavirus Aid, Relief and Economic Security ("CARES") Act, to eligible Americans. These direct cash payments to individuals and families are for financial relief during the coronavirus pandemic, and are sometimes referred to as "stimulus checks."

If you’re receiving payment by check, there’s no need to visit a financial center, simply deposit your check using our Mobile Banking app and get immediate confirmation that your check was received.

For help in locating more detailed information and answers to your questions, watch our Economic Impact Payment video or visit the link below.

Economic Impact Payment Info

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

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.

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.

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. Payment requests to others not already enrolled in Zelle must be sent to an email address. 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.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

CashPro® is a registered trademark of Bank of America Corporation in the United States and other countries.

Mobile Check Deposit: 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.

Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

CLIENT INFORMATION We’re here to help

OUR TEAMS ARE AVAILABLE TO SERVE YOU Assisting our clients

Stay connected, stay protected

GO MOBILE Convenient and secure banking

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

Economic Impact Payment

Important update to the Paycheck Protection Program

Managing your payments

LEADERSHIP RESPONSE Supporting communities and small businesses across the country

Keeping everyone learning

Helpful perspectives in volatile times

FINANCIAL CENTERS UPDATE Steps we're taking

Services and solutions available

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