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    Bank of america branch open right now


    bank of america branch open right now

    First American Bank in Illinois, Florida and Wisconsin offers valuable personal banking, business banking and loan solutions. Explore our offerings online. The Bank of America branch at Lytton Avenue and Cowper Street in Palo Alto for the most current bank hours of operation and nearest open. Whether you choose to open a checking account with U.S. Bank or with Bank of America, you will find impressive variety and breadth in.

    Bank of america branch open right now -

    Bank of America near me

    Do you want to find the closest Bank of America near you? You are in the right place! Here there is a map with all the locations of branches and ATMs of the Bank of America.

    Bank of America branch near me

    There are branches of the bank all over America, one way to find the nearest branch is to check out the official locator at locators.bankofamerica.com, using the official locator you can view the hours of operation and the phone number of the branch nearby.

    Bank of America locations near me

    All of the locations of the bank of America can be found using the map below or using the bankofamerica.com website and by entering your address, zip code or landmark in the search field.

    Bank of America ATM near me

    Need to locate ATM nearby right now? You can see all of the ATMs and the financial centers of this bank at bankofamerica.com/online-banking/bank-atm-locations.go, they have 24-hour ATMs as well as Drive-up ATMs.

    You can also download the bank ATM locator app to your mobile device or PC, the app is available for IPhone, IPad, Android and Windows 10.

    About Bank of America

    The Bank of America corporation is the largest bank in the United States of America, provides all of the necessary banking services and even to open a checking account online. Below you can view more important details about the business, including the contact info for customer support and their business hours.

    • Customer service: The phone number for the customer support department is +1 315-724-4022
    • Hours of operation: The opening hours are changing in different locations, check out the branch near you for up-to-date information.

    Additional information

    The main topic of this page is BofA near me, however, you can visit the home page of this site to find other banks near you at Banks-NearMe.com

    Источник: https://banks-nearme.com/bank-of-america-near-me

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    Ask Lafleur: Why are so many Bank of America branch offices closing in and around Greenville?


    Question: Why are so many Bank of America branch offices closing in and around Greenville?

    Answer: It’s true that several branches of Bank of America are closed around Greenville, but it’s not unique to Greenville, and it’s yet another thing we can blame on COVID-19.

    Many of the bank’s locations across the country closed in response to the pandemic, according to Eliza Murphy, spokesperson for Bank of America.

    Some locations in the Upstate are still either closed or operating differently – like with just drive-thru service – due to the pandemic.

    Murphy said changes have been made nationwide and the company has had to constantly adapt with the health and safety of employees and customers in mind.

    Murphy also said the COVID-19 pandemic accelerated a trend toward mobile and online banking the company was already seeing.

    Some locations that remain closed, according to Bank of America’s online locator tool, are 2010 Old Spartanburg Road in Greer, 498 S. Pleasantburg Drive in Greenville and 126 W. Butler Road in Mauldin. To see an updated list of locations and hours, visit bankofamerica.com.

    “We are doing everything we can to reopen as soon as possible, though some locations may remain closed for an extended period of time,” Bank of America said in a release updated June 8 on its website.

    Murphy said there is not a set timeline for reopening, but the company is constantly monitoring local guidelines and other factors like foot traffic to specific locations.

    The bank has dozens of Upstate locations including one that opened at the Camperdown development in downtown Greenville last year.

    Murphy said the Charlotte-based bank is committed to continuing its service here.

    Elizabeth LaFleur loves running, gardening, spending time with her husband and daughter and answering your questions. If you're curious about something in the Upstate, chances are she is too. Reach out to Elizabeth via email at [email protected]

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    Источник: https://www.greenvilleonline.com/story/news/local/asklafleur/2021/06/11/bank-america-branch-offices-closing-greenville-why-near-me/7638915002/

    Connect with our offices around the world

    These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

    USE OF SITES

    Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

    Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

    Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

    • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
    • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
    • alter, decompile or reverse engineer any software component of the Sites.

    All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

    No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

    CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

    Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

    SECURITY

    Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

    NO OFFERS

    Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

    DISCLOSURE OF INTEREST

    Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

    ACCOUNT INFORMATION

    Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

    PRICING AND MARKET INFORMATION

    Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

    HYPOTHETICAL OR PAST PERFORMANCE

    Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

    MATERIAL IN ITS ENTIRETY

    All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

    LINKED SITES

    Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

    CONTENT AND SERVICE AVAILABILITY

    Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

    CONSENT TO ELECTRONIC DELIVERY

    You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

    NO WARRANTY

    Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

    Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

    COMPLIANCE WITH LAWS AND INDEMNITY

    The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

    Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

    Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

    • FOR RESIDENTS OF BRAZIL:

      The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

    • FOR RESIDENTS OF CANADA:

      The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

    • FOR RESIDENTS OF FRANCE:

      The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

    • FOR RESIDENTS OF GERMANY:

      The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

    • FOR RESIDENTS OF HONG KONG:

      Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

    • FOR RESIDENTS OF IRELAND:

      Access to the Sites is by invitation only to professional investors.

    • FOR RESIDENTS OF ITALY:

      Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

    • FOR RESIDENTS OF JAPAN:

      Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

    • FOR RESIDENTS OF KOREA:

      Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

    • FOR RESIDENTS OF NETHERLANDS:

      Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

    • FOR RESIDENTS OF SINGAPORE:

      Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

    LIMITATION OF LIABILITY

    THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

    Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

    Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

    UK CONDITIONS

    Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

    CHANGES TO AGREEMENT

    Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

    GOVERNING LAW

    This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

    THIRD-PARTY LICENSORS

    The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

    • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
    • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
    • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
    • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
    • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
    • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
    • comply with all export laws in respect of Licensed programs;
    • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
    • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

    BOFA SECURITIES, INC. – FURTHER INFORMATION

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    Bank Of America: "That's Why You Don't Open New Accounts Online"

    After reading about how Jesse was banned for life from Bank of America for no clear reason, other readers wrote in with similarly bizarre BoA stories. Wayne was locked out of his new account after he opened it and charged a $75 overdraft fee. Chris was sent checks linked to a duplicate account and then charged penalties when the checks bounced. Edward’s new account was closed but the CSR refused to tell him why, and he was charged a $60 “research fee” for the closing. When Edward went to a BoA branch to clear things up, he says the employee there told him, “That’s why you don’t open up accounts online.”

    If you don’t have time to read all three stories, skip to the bottom to see what Edward found out after sending an EECB to Bank of America.

    First, Wayne’s story. It’s long, but it illustrates that even when Bank of America attempts to fix the problem, they can cause more harm than good.

    I recently moved to a new state and opened a checking account with BoA online (my local bank in Ohio didn’t exist where I moved outside Philadelphia). It was a Sunday when I filled out the application online and I had considered just waiting until the next day and walking into the bank and opening one. After talking to an online customer service rep via their chat window I was assured it was smarter to open the account online because the free checking account offer I was signing up for was ONLY available online.

    I transferred my balance (around $400 I think) over from my old bank to my new BoA account. The online rep explained to me that until I received my debit card in the mail I could just walk into my local BoA and take money out of my account, which was fine with me. Wednesday rolls around and I do just that. The bank teller lets me take $200 out of my account and sends me on my way. So far so good. A couple of days later I come back to take another $100 out of my account and I am told there is a problem.

    First, the new bank teller says she can’t understand how they let me take any money out of my account the previous time because there is a flag on my account and it says I don’t have any money in the account. In fact, it shows that I came in on the date of my previous date and withdrew money, and that they charged me a fee for having insufficient funds. At this point I am totally confused…and slightly pissed.

    She explains to me that she doesn’t understand what is going on either and that I need to call their customer service center because they are the only ones that can handle my problem. I am on my lunch break from work so I hop back in my car, start heading back to work (hungry), and dial up the number the teller had given me. The customer service rep that answers my call confirms that there is a flag on my account because they could not verify my new address. I explained to her that I just moved not even a week ago and since I moved into my cousin’s apartment, I didn’t sign a lease or anything. I told her I had to sign some paperwork to move in with the leasing office however so that they knew who was going to be living there. She asked if I had any utility bills in my name there and I said no, I don’t, but I did have a new cell phone from a provider in the area where the bill was sent to my new address with my cousin.

    The rep told me to take something from the leasing office acknowledging that I was living there and my cell phone bill into my local branch and they could take care of it. I said that’s fine, but shouldn’t my social security card and ID be enough to verify I am who I am? She says that would help but take at least a copy of my cell phone bill or a letter from my cousin and instructs me to go back the branch. I turn my car around (still on my lunch break (and still hungry) and go back to the bank that I had just left.

    I walk in and talk to the same teller and explain to her what the lady said. The teller seems even more confused. She tells me that there is no way they handle anything like that and gets the manager. The male manager confirms the same thing. At this point I am pretty frustrated and just want to close my account and take my money and get something to eat so I can get back to work and on with my day (and life…without BoA). The teller and manager at this point take me to a tabel on the side and have me call their customer service line again right there from the branch.

    This time I get a male customer service rep who confirms there is a flag on my account because they couldn’t verify my new address. Nothing shocking there. I clue him in on what the previous customer service rep and he seems incredibly confused stating he has no idea why the other rep would have said that and said that in fact they had already closed on my account out completely. He said I would be banned from ever opening an account with Bank of America again. I ask him when I can have my money back (since Christmas was less than 10 days away) and he tells me 6-8 weeks. I hang up the phone, tell the manager what he said and they seemed just as baffled as me. I leave the branch pissed off.

    Now…the best part. I had around $100 left in my account at BoA when they closed it. Around 6 weeks later I receive a check in the mail from BoA for around $20 with another letter explaining an overdraft fee of $75, apparently from when I took the original $200 out of the account. The kicker is that THEY SENT THE CHECK TO MY NEW ADDRESS THEY SAID THEY COULDN’T CONFIRM. As far as I am concerned not only did BoA waste my time and screw me over for doing nothing other than signing up for one of their accounts online (under the guidance of one of their own online reps), but they also flat out stole money from my pocket by charging me for it and for taking my own money out of the account…after telling me that I could.

    I wouldn’t wish a BoA account upon my worst enemy. At least when my car was broken into and robbed the thief ran off and tried to hide. When BoA stole from me they sent me a letter to brag.

    Here’s Chris’s email about the duplicate checking account and how BoA tried to charge him penalties for not noticing he’d been given a second, fake account.

    I was just reading the Bank of America article and experienced the same thing this past year. I received a set of checks in the mail that were registered to a second account under my name, that I never knew existed. The account was registered to a bank in a town that I have never actually been to. Because I did not know about the second account I proceeded to use the checks and the checks got returned because the account did not have any money in it. Once I discovered what happened I was on the phone with Bank of America reps all day working my way up the food-chain. No one would listen to me until I said that Bank of America is a scam and that they were trying to con me. Once I threatened them with those words I finally got them to reimburse any charges that I received for checks bouncing and had them cancel the account. They tried to tell me I applied for this second account, even though it was at a Bank of America in a town that I have never been to. Bank of America is a screwy company at best.

    Finally, here’s a copy of the EECB Edward sent to Bank of America after his account was closed without explanation and dinged $60 for an unexplained “research fee”:

    On May 7, 2009 I applied online for a MyAccess checking account. I chose the Debit card funding option and had $100 withdrawn from my Chase bank account to fund the Bank of America checking account. I received confirmation of submission of my application. Shortly after, I receive notification my account was approved. On May 11, 2009 my Chase checking account was debited for $100.

    On May 13, 2009 I received two seperate mailings: one included information regarding my temporary password for my online account and the other contained bank disclosures. I proceeded to enroll in online banking and was notified that a call to customer service was required. I called customer service and they informed me that my account was closed — they could not provide any reason and said I would need to contact their Risk Department at 877-240-6886. I called them that night, but they were closed — apparently they close at 4PM PST.

    On May 14, 2009 I called the Risk Department around 1PM. Once the representative verified my information, she began reading to me what sounded like a prepared script. She went on to state that when opening the account online, I agreed to a disclosure that stated Bank of America reserves the right to close my account for any reason and at any time. She goes on to tell me that the account is closed and that I will never be able to open an account at Bank of America. I asked them what was the reason behind my account closure. The representative then repeats that Bank of America reserves the right to close my account for any reason and at any time. I ask again, “But why was it closed?”. She repeats the same statement for the third time and then states, “That is the reason why.” She said they will be sending me a cashier’s check for $40. I inform her that my initial deposit was for $100 and it has already been debited from my bank account. She states that there was a research charge for $60. I respond saying that it is hard for me to comprehend how Bank of America can close my account, without giving any valid reason AND charges me $60 (60% of my account balance). She tells me for the fourth time that Bank of America reserves the right to close my account at any time for any reason and then disconnects me.

    Immediately after this phone call, I walk into my local Bank of America branch. I am eventually directed to a personal banker. I explain the situation. After telling my story, she comments, “That’s why you don’t open up accounts online.” She lets me know that the online departments are seperate from the retail branches, but says she will try to find any additional information. She asks for my social security number and tries to look up my account history. She cannot find any information. She lets me know all she can see is that the account is closed. She tells me there’s no use in her calling the Risk Department as they will only tell her the same thing they told me. She gives me a card to Customer Solutions. She tells me to call the number as it is my best bet at getting this issue resolved.

    I call Customer Solutions at 1-800-831-4419. I explain my story. They put me on hold as they contact the Risk Department. They come back on the line and give me the exact statement the Risk Department told me. I let the representative that it is completely absurd that they cannot even give me a valid reason, let alone charge me $60. She says Bank of America will not refund the fee. I ask her if I have ANY other options to get this issue resolved. She responds, “No.” At this point, I want to start recording names and record the shady nature of these business transactions. I ask her for her name and extension or any other information in which I can identify her. The line goes silent for a minute and then disconnects.

    I look online to see whether this has happened to other individuals. Apparently it has.

    http://www.raisedguidance.com/2008/10/banned-from-bank-of-america-fo.html
    http://www.debtconsolidationcare.com/banking/bankofamerica-risk-assessment.html
    http://www.complaintsboard.com/complaints/checking-account-scam-c92924.html
    http://www.my3cents.com/showReview.cgi?id=41155
    http://answers.yahoo.com/question/index?qid=20090312090401AAcoGUA

    This has been absolutely my worst experience in dealing with a bank. It bewilders me to see how Bank of America treats its customers. I expect at the very least, a full justified explanation for my account closure along with a refund of my full $100 deposit. Assuming that Bank of America charges $20/hour for research, please let me know what exactly took three hours and what research they found because apparently I haven’t heard it.

    Edward notes that the EECB appeared to do the trick. He even finally got an answer as to what triggered the closure:

    I was also sure to copy the comptroller of the currency who regulates these financial institutions. Long story short, someone from the “executive offices” of Bank of America gives me a call letting me know that Bank of America is sorry and that they will refund the fee they charged me. They sent me my entire balance back along with a $50 Home Depot gift card for my inconvenience. I also finally got a real answer in regards to why they closed my account — my mailing address was not the same as my legal address (note that despite this, they had no problem taking funds from my Chase bank account).

    Anyways, thought you might want to share this with your readers. Obviously Bank of America has some serious procedural issues in regards to how they handle what they determine as “fraud”.

    RELATED
    “Bank Of America Bans Customer For Life”
    “Update: Banned Bank Of America Customer Says His Credit Is Clear”
    (Photo: jonathan mcintosh)

    Editor's Note: This article originally appeared on Consumerist.

    Источник: https://www.consumerreports.org/consumerist/bank-of-america-thats-why-you-dont-open-new-accounts-online/

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    4 Comments to Bank of america branch open right now

    1. Bahi mera nri account hi please btya mobile banking app sy transfer kistrh jata hi

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