Page 1 of 2 (See reverse side for more information.)
2. Be ready to use your debit or credit card for purchases
The chip in your debit or credit card provides additional security only when used at chip-enabled terminals, which are common in over
130 countries. Plus, you’ll be covered by our $0 Liability Guarantee, so you won’t be responsible for any unauthorized charges.
7
Before
you go, be sure to:
• Memorize your debit or credit card PIN, since you may be required to enter your PIN to complete a purchase.
• Check your card’s terms and conditions for foreign transaction fees.
1. Order foreign currency cash before you travel
It’s beneficial to have local currency on hand before you travel to pay for cash
services ― like luggage carts, taxis, tips, souvenirs or other incidentals. This helps
eliminate the need to exchange currency upon arrival and may help you save on
exchange fees. Ordering foreign currency
1
using the Mobile Banking app
2
or Online
Banking is easy, convenient and secure.
• On your mobile device: Log in to the Mobile Banking app, select the account
youwould like to use and scroll down to the Mobile Orders section,
selectForeign Currency and simply follow the on-screen instructions.
– Order on the go — you’re not limited by banking hours.
– Track your foreign currency cash order with alerts
3
and in-app updates.
– Ask Erica®, your virtual financial assistant in the Mobile Banking app, to help
order foreign currency.
4
• On a computer: Go to bankofamerica.com/foreigncurrency and simply follow the
on-screen instructions.
Shipping options
• Standard delivery (1–3 business days): $7.50
• Expedited delivery (next business day if ordered by 2 p.m.): $20
Note: Delivery charges apply to all orders sent to financial centers or to your account address. Orders will be shipped to a financial
center if your order is $1,000 or more in U.S. dollars or if within the last 30 days you became a new customer or changed your
address. Your order will be shipped and delivered on business days only.
If you have excess cash after you return, you can exchange foreign currency bills (no coins) for U.S. dollars at a full service financial
center. For more information, see bankofamerica.com/foreign-exchange/exchange-rates.
When you’re heading out of the country, make sure you have
what you need for sightseeing, souvenirs and more.
Benefits and rewards built
around you
If you’re a BankofAmerica
Preferred Rewards® member,
5
you’ll receive up to a 2% discount
off the available exchange rate
on foreign currency as well as no
fee on standard shipping ($7.50
value) for mobile and online orders
depending on your tier level. Learn
more about BankofAmerica’s
award-winning Preferred Rewards
program
6
at bankofamerica.com/
preferred-rewards.
3. Make sure your contact information is up to date
Please be sure we have your email and mobile phone information so we can contact you if we detect any unusual activity while
you’retraveling.
• In the Mobile Banking app, select Menu, go to Profile and Settings and then select Contact Info.
• In Online Banking, go to Profile & Settings and then select Your Contact Info.
Tips for
international
travel
Page 2 of 2
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Exchange rates fluctuate, at times significantly, and you acknowledge and accept all risks that may result from such fluctuations. If we assign an exchange rate to your foreign exchange transaction, that exchange rate will
be determined by us in our sole discretion based upon such factors as we determine relevant, including without limitation, market conditions, exchange rates charged by other parties, our desired rate of return, market risk,
credit risk and other market, economic and business factors, and is subject to change at any time without notice. You acknowledge that exchange rates for retail and commercial transactions, and for transactions effected
after regular business hours and on weekends, are different from the exchange rates for large inter-bank transactions effected during the business day, as may be reported in The Wall Street Journal or elsewhere. Exchange
rates offered by other dealers or shown at other sources by us or other dealers (including online sources) may be different from our exchange rates. The exchange rate you are offered may be different from, and likely inferior
to, the rate paid by us to acquire the underlying currency. We provide all-in pricing for exchange rates. The price provided may include profit, fees, costs, charges or other mark ups as determined by us in our sole discretion.
The level of the fee or markup may differ for each customer and may differ for the same customer depending on the method or venue used for transaction execution. We do not accept any liability for our exchange rates.
Any and all liability for our exchange rates is disclaimed, including without limitation direct, indirect or consequential loss, and any liability if our exchange rates are different from rates offered or reported by third parties, or
offered by us at a different time, at a different location, for a different transaction amount, or involving a different payment media (including but not limited to bank-notes, checks, wire transfers, etc.).
2
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
3
You may elect to receive alerts via text or email. BankofAmerica does not charge for this service but your mobile carrier’s message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile
carrier’s coverage.
4
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.
5
Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the BankofAmerica Preferred Rewards® program if you have an active, eligible personal checking account with BankofAmerica®
and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and
$10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying BankofAmerica deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as
Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:
1. a three-month combined average daily balance in your qualifying deposit and investment accounts, or
2. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening
that account.
Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits, available at bankofamerica.com/fees. Eligibility to enroll is generally
available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account
opening, unless we indicate otherwise. BankofAmerica PrivateBank clients qualify to enroll in the Diamond Tier regardless of balance, and may qualify for the Diamond Honors tier based on their qualifying BankofAmerica,
Merrill and PrivateBank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on BankofAmerica employee qualification requirements,
please call Employee Financial Services or refer to the BankofAmerica intranet site. Employees of companies participating in the BankofAmerica Employee Banking and Investing Program may be eligible to participate on
customized terms. Refer to go.bofa.com/cebi-faq for details.
6
BankofAmerica Preferred Rewards was named the Best Customer Loyalty Program by The Ascent (a Motley Fool service), January 2023. Winners were determined by members of The Ascent’s editorial team, consisting of
personal finance experts. Nominees were first chosen using The Ascent’s proprietary ratings models that analyze and score hundreds of financial products available in the market based on their feature sets as well as some
market favorites. The Ascent’s panel of experts then voted to identify each winner. The Ascent’s Rating Methodology Rankings and recognition from The Ascent are no guarantee of future investment success and do not
ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
7
To be covered, report unauthorized transactions promptly. Consult your agreements for full details.
8
This fee is assessed as a separate transaction fee on the posting date of the withdrawal. The international transaction fee may be waived for certain account relationships. Your deposit account statement will reflect the U.S.
dollar equivalent of your foreign ATM withdrawal. See associate for more details and to ask about applicable fees and terms.
Please review the Personal Schedule of Fees available at bankofamerica.com/fees and at your local financial center.
Credit cards are issued and administered by BankofAmerica, N.A.
BankofAmerica Preferred Rewards, Erica, BankofAmerica, the BankofAmerica logo are registered trademarks of BankofAmerica Corporation.
BankofAmerica, N.A., Member FDIC. © 2023 BankofAmerica Corporation. PCH-09-23-0126 | MAP5927367
00-53-5404NSB | 09/2023
For more information, refer to our ATM FAQ section online at
bankofamerica.com/deposits/self-service-atms/.
4. Help avoid ATM fees when using your card to get cash
• Whenever possible, use your ATM or debit card at one of our Global ATM Alliance partner ATMs. If you use a non-partner ATM or
an ATM that is not part of the Global ATM Alliance, you may be charged fees by both BankofAmerica and the ATM operator.
• A BankofAmerica International Transaction Fee of 3% will apply when converting your currency.
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• If you have any issues with your cards while traveling, please call the number on the back of your card.
International partner ATMs
Please visit locators.bankofamerica.com/international.html
for a complete and current listing before you travel.
PIN Tips
• Check your PIN. Some international ATM
operators support only 4-digit PINs.
• Be sure your PIN does not start with a zero.
• Know your PIN by numbers (some ATMs
outsidethe U.S. don’t have letters on
thekeypads).
• To change your PIN before your trip, go to
aBankofAmerica ATM, select More
Options, then select Change PIN and follow
the screen prompts.
• Barclays (United Kingdom)
• BNP Paribas (France)
• BNL D’Italia (Italy)
• UkrSibbank (Ukraine)
• Deutsche Bank (Germany and Spain)
• Scotiabank (Canada, Peru, Chile,
Mexico and the Caribbean)
• Westpac Bank (Australia and
NewZealand)
• China Construction Bank (Mainland
China excluding Hong Kong)
• TEB (Turkey)