If you opt out, though, you may still receive generic advertising. If you prefer that we do not use this information, you may opt out of online behavioral advertising. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Relationship-based ads and online behavioral advertising help us do that. We strive to provide you with information about products and services you might find interesting and useful. The link for Account Balance History can be found just below your available balance on the Account Details screen in Online Banking. Keep in mind that Account Balance History is only available after transactions have posted to your account. Account Balance History in Online Banking would show how the $20 gas purchase, which was still processing, lowered your available balance to $30, which was less than the $40 check, causing an overdraft and an overdraft fee. The $20 gas purchase was still processing, so it didn't post to your account on May 1. If we cover the check, your account would be overdrawn by $10 and we would charge you a $10 overdraft fee.Īccount Details in Mobile and Online Banking would show the $40 check and the $10 overdraft fee for May 1.A $40 check you wrote comes through, which would exceed your available balance by $10.You buy $20 worth of gas, so your available balance is now $30.You can see how processing transactions and holds impacted your available balance and the order in which transactions were posted to your account by viewing your Account Balance History in Online Banking. Your Account Details section in Mobile and Online Banking show transactions that posted to your account on a given day. We charge overdraft fees when a transaction exceeds your available balance. You may also want to visit Better Money Habits to learn more about saving and budgeting or explore our Spending and Budgeting Tool. There are no overdraft fees with this account. If you need help spending only what's in your account, a Bank of America Advantage SafeBalance Banking® account may be right for you. You may want to consider Balance Connect ® for overdraft protection – With this optional service, we'll automatically transfer available funds from your linked backup account(s) to help cover purchases and payments or help prevent declined and returned transactions.
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