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Frequently Asked Questions
- Which of my personal online accounts can I view?
You can view the following personal accounts with Online Banking:
- Money Market
- Credit Card (with some exceptions)
- Line of Credit (LOC)
- Retail Loans (Indirect and Direct)
- Certificate of Deposit (CD)
- Non-brokerage Individual Retirement Account (IRA)
- Which business accounts do I have online account access?
You can view the following business accounts with Online Banking:
- Business Interest Checking
- Business Economy Checking
- Business Advantage
- Simple Analysis Business Checking
- Full Analysis Business Checking
- Certificate of Deposit (CD)
- Business Interest Maximizer
- Business Investment Account
- Analyzed Business Investment Account
- Analyzed Business Interest Checking
- If I have both business and personal accounts, can I view them together?
Yes. However, you may need separate IDs. When you enroll for Online Banking, you choose an ID. Accounts linked to your ID are accessible with Online Banking. If you are a sole proprietor using your Social Security Number as your Tax ID Number, you can link a Business Economy Checking account with a personal account using the same ID.
If you are not a sole proprietor, you can link multiple personal accounts with one ID, or multiple business accounts with one ID. You cannot link personal and business accounts with the same ID. If you need an additional ID, please contact Customer Service at 1.800.933.6262. Customer service associates are available Monday through Friday from 7 a.m. to 10 p.m.; Saturday and Sunday from 8 a.m. to 5 p.m.
- If I have Bank of America accounts in more than one state, will I be able to see them all?
Yes. You can view all Bank of America accounts that are linked to a single ID. (However, accounts in Idaho and Washington cannot be linked to accounts in other Bank of America states at this time.)
- Can I view my Banc of America Investment Services, Inc. Money Manager account online?
Yes. You can:
- View transactions that have cleared the checking portion of your Money Manager Account.
- Transfer funds to and from your Money Manager Account (as described in your Customer Agreement.)
- Check the margin available to you through Banc of America Investment Services, Inc. and more.
- Which accounts can I see transaction information for?
You may view up to 12 statement cycles of transactions for the following accounts:
- Credit Card
- How can I find a specific check or deposit?
You have a variety of ways to find a check or deposit through Online Banking.
- You can view a specific check or deposit transaction by browsing the transactions presented on the Account Activity page. The Account Activity page offers a variety of tools that allow you to customize the transactions shown on the page including date range selectors and filtering/sorting options.
- You can also search for a transaction by using the Find a Transaction tool in the Account Activity page or by clicking on the Find a Transaction page.
- Lastly, you can find a specific check or deposit transaction by viewing your past paper statements online by clicking on the View Paper Statement link from the Customer Service tab.
- How can I obtain a copy of a check?
You can view and print electronic images of recently posted checks and deposit slips through Online Banking. On the Account Activity page, find the check transaction you want to view. To see an image of a check, click the transaction and then select the ‘View Front’, ‘View Back’, or ‘View Front and Back’ links. You can also request that a copy of a check be mailed to you by clicking on the Customer Service tab then clicking the Order a Check Copy link. There may be a charge for this service. Please refer to your applicable account agreement.
- What is a pending transaction?
Pending transactions include credits and debits that have not yet posted to your account. They may also include holds applied to certain transactions or your balance. Pending transactions are listed in lowest to highest dollar amount order, and are not listed in the order that they post to your account. A transaction made with your ATM or Check Card using a PIN typically is processed and posted to your account on the same day that the transaction is made, or on the next business day. A transaction made with your Check Card but without your PIN, may take several business days to post to your account.
When we approve a request to authorize your debit card transaction, we may reduce the available balance in your account by the amount listed in the request by the merchant. Your remaining available balance must be sufficient to cover checks and other debits that post to your account, or you may incur charges such as overdraft or returned item fees. When the check card transaction posts to your account, or after 3 business days, we add this amount back to your available balance. The amount is not applied to any specific transaction or item. Some check card transactions may not show as pending transactions and may not affect your available balance until they post. In some cases the amount of the pending transaction may not match the actual amount of the transaction. This is because some merchants request us to authorize a nominal amount such as $1 or the amount that they estimate you will spend, which could be higher or lower than the actual amount of the transaction. When the transaction posts, your account is charged the amount of the transaction presented by the merchant.
- How do I remove an account from Online Banking?
To remove an account from Online Banking, please call 1.800.933.6262 for assistance. Customer service associates are available Monday through Friday from 7 a.m. to 10 p.m.; Saturday and Sunday from 8 a.m. to 5 p.m.
- What is an authorization?
When you use your check card for a purchase and do not enter a PIN, the merchant will request an approval or an "authorization" for the transaction. This authorization generally confirms that an account is open and the purchase amount is acceptable at the time of the request. The purchase amount sent by the merchant for authorization varies by merchant type. Many merchants request an authorization for the exact purchase amount. However, some merchants may send a nominal amount such as $1 or an estimate that is more or less than the actual purchase amount. Each authorization will show as a pending transaction. When the transaction is presented to the bank, the actual purchase amount is deducted from your account, usually within two to three business days. If the authorization is not matched with an actual purchase within three business days, the transaction will no longer be displayed as pending on your account.
- What could cause a pending transaction or authorization amount to be different from my actual purchase amount?
An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.
Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip. Some restaurants will estimate a tip amount in the authorization dollar amount; thus your purchase and authorization amount would vary only slightly.
Example: At the gas pump, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
Example: At a hotel, an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.
- What is the difference between signature (also known as non-PIN or pinless) and PIN transactions?
A PIN-based transaction requires you to enter your PIN (Personal Identification Number) into the merchant keypad at the point of sale. Signature transactions generally require your signature. A signature may not be required for a certain pinless transactions, such as Internet purchases, mail order purchases and pay-at-the-pump gas purchases.
- When will the actual purchase amount replace the pending amount and be posted to my account?
It may take several business days for the actual purchase amount to replace the pending transaction amount on your account. The pending transaction reduces your available balance. The pending transaction is generally replaced when the final purchase amount is deducted from your account within three business days. If the pending amount is not matched with an actual purchase amount within three business days, the pending transaction will be removed from your account.
- What if I see an error on my pending transaction history?
If you see that there appears to be an error on your pending transaction history, please contact us.
- How does a "pay-at-the-gas-pump" transaction work?
When you swipe your card at the gas pump, the station generally requests an authorization to confirm that your account is open and active. Many authorization amounts for pay-at-the-pump gas purchases are set at $1.
- How are restaurant or styling salon purchases authorized?
Restaurants and styling hair salons may add an estimated tip to the transaction total when requesting an authorization. Because of this practice, your final purchase amount may vary from the authorized pending amount.
- How do hotels determine how much to authorize?
Hotels are allowed to request an authorization for an amount based on your length of stay, applicable taxes, plus additional expected dollar amount(s). Cruise lines and car rental companies may also follow this practice. Upon making your reservation, you may want to ask for the total amount of the authorization.