Tips to help avoid insufficient funds and overdraft item fees:
Your Available Balance may change under certain circumstances that Bank of America can not forsee. It is important for you to consider all transactions that you have conducted, but may not yet be fully reflected by your bank while Organizing Your Financial Records.

Your Available Balance does not include transactions you have conducted but we have not yet received. You can determine the amount you have available to spend by taking your Available Balance and adding or deducting transactions that have not been received by the bank, Credit Pending and Holds on check deposits, and debit card transactions identified as Authorized.

For Debit Card purchases, merchants may ask us to approve an initial amount and later send the actual purchase amount (which may be greater or less). Processing transactions that may settle for a different amount are noted by an "Amount may change" message on the Account Details screen. Transactions that typically settle for a significantly lower amount are categorized as Authorized and not deducted from your Available Balance until the final Cleared amount is received.

The final amount of most Debit Card purchases is received within 3 business days. If we do not receive it in that time, however, we assume that the transaction was not actually made and add the initial amount back to your Available Balance. If the final purchase comes in later, the actual amount will be deducted at that time.

When a check deposit is made, you may be given some portion of the funds as immediate credit. You can see this amount on your Account Details screen as "Available Now". The remainder of funds will be available to withdraw on the next business day unless a Hold is applied. If you made your deposit after cutoff, that may be two or more calendar days. Learn more about Preparing A Spending Plan.

"Cleared", or posted transactions, are not always final because there may be certain circumstances when such transactions may be reversed (for example, if a check you deposited is returned to us due to insufficient funds).

Your bank offers Overdraft Protection which allows a checking account to be linked to another your bank account to help provide protection against returned items or overdrafts. During nightly posting, if there are insufficient funds to cover a transaction, funds are automatically transferred from the Available Balance in the linked account.

You can receive account Alerts to your mobile phone or email to notify you when your Available Balance falls below a threshold you determine.

You can check your Available Balance wherever you are by using Online Banking, Mobile Banking, or text messaging.

Items may not be displayed online in the order that they post to your account because the final posting order is not determined until the end of the business day once all transactions are received. You can see exactly how your transactions posted by visiting Account Balance History.