Bank of America has an enterprise-wide Anti-Money Laundering (AML) program, which covers all of its subsidiaries and affiliates, and is reasonably designed to comply with applicable laws and regulations. Should you or your institution require general information about Bank of America’s AML compliance program, please see the following:
It is the policy of Bank of America (“the Company”) that it will not knowingly commit or facilitate financial crime by, at or through the Company; and, that it will fully cooperate within the bounds of the law with competent authorities conducting investigations of financial crime. In fulfilling this policy, the Company may terminate customer relationships based on suspicion of criminal activity or based upon a determination that a customer presents financial crimes risk outside the Company’s risk appetite; however, the Company does not arbitrarily de-risk portfolios of customers based upon perceived risks. The Company does not terminate customer relationships based upon race, color, religion, sex, marital status, age (provided the customer has reached the age to enter into contracts), familial status, disability, gender identity or sexual orientation.
It is also the Company’s policy to fully comply with the laws, rules and regulations relating to financial crimes wherever we do business. Any Company employee who knowingly commits or facilitates a financial crime; knowingly violates a law, rule, or regulation covered by this policy; or knowingly violates this policy or a related standard can be subject to disciplinary action up to and including termination. If appropriate, the Company may refer such employee to a competent regulatory or law enforcement authority for appropriate action.
Bank of America has developed an Anti-Money Laundering Compliance and Economic Sanctions Compliance Program to comply with applicable laws and regulations. Please click the following link to view and/or print a letter from Bank of America’s Global Financial Crimes Compliance Executive.
Bank of America has also prepared an AML Questionnaire, based on Wolfsberg’s publication of the Banker’s Almanac AML Questionnaire, for use by any financial institution that requires more detailed information about Bank of America’s AML compliance program. Please click below to view/print the questionnaire.
Bank of America has prepared a global certification for use by any financial institution that requires a Patriot Act Certification (PAC) for a Bank of America foreign entity. Please click the below link to view/print our Patriot Act Certification.
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This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.
Content contained herein may have been produced by an outside party that is not affiliated with Bank of America or any of its affiliates (Bank of America). Opinions or ideas expressed are not necessarily those of Bank of America nor do they reflect their views or endorsement. These materials are for informational purposes only. Bank of America does not assume liability for any loss or damage resulting from anyone's reliance on the information provided. Certain links may direct you away from Bank of America to an unaffiliated site. Bank of America has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content. When you visit these sites, you are agreeing to all of their terms of use, including their privacy and security policies.
"Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.
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, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.
Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation (“BofA Corp.”). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (“MLLA”), a licensed insurance agency and wholly-owned subsidiary of BofA Corp.
Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp.
The mobile feature, Erica®, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply. Your chat may be recorded and monitored for quality assurance. Member FDIC.
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
Fees apply to wires and certain transfers. See the Online Banking Service Agreement for details. Data connection required. Carrier fees may apply.
Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
| Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value |
| Are Not Deposits | Are Not Insured by Any Governmental Agency | Are Not a Condition to Any Banking Service or Activity |
Company goals are aspirational and not guarantees or promises that all goals will be met. Statistics and metrics included in our ESG documents are estimates and may be based on assumptions or developing standards.
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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. 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.
If you prefer that we not use this information, you can opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising.
Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.
To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.