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LEARN


MAKE THE MOST OF YOUR ACCOUNT

Be ready for tomorrow by understanding your health account today. Explore the
Learn pages to find everything you need to know about managing your accounts and
maximizing their tax advantages. Whether you are a beginner or more advanced you
will find educational tools based upon your individual needs.


OCHSNER

Helping you make the most of your health care dollars.
 * HSA resources
 * FSA resources
 * HRA resources
 * DCFSA resources
 * Commuter Benefits
 * LSA resources

 * HSA Basics
 * HSA investments
 * HSA user guide
 * Optimize your HSA
 * Health care in retirement


IS AN HDHP WITH AN HSA RIGHT FOR ME?

Watch this on-demand seminar to better understand your health benefits options.

HSA midyear enrollment brochure

Find out how to prorate your contributions when you enroll in an HSA midyear.

Learn more


CHANGE IN STATUS?

A life event or eligibility changes during the year can impact your HSA
contributions.

Learn more


LOOKING FOR A TAX BREAK?

Making a prior-year contribution to your HSA could help reduce the amount of
federal tax you owe.

Learn more
HSA Brochure

Set aside tax-free money to save for qualified medical expenses now and in the
future.

Learn more


HSA FOR LIFE

See how the Health Savings Account could benefit you now and in the future.


ARE YOU AN HSA PRO OR ROOKIE?

Take a quick quiz to find out!


IS AN HSA RIGHT FOR ME?

Here are some things to think about when deciding if an HSA is right for you.

Learn more


TOP REASONS TO USE AN HSA

Here’s a quick look at the benefit of an HSA.

Learn more


TAP INTO THE TRIPLE TAX ADVANTAGES OF AN HSA

Did you know that an HSA offers three separate tax benefits?

Learn more


HSA SAVINGS CALCULATOR

See how your savings can add up to help pay for medical needs now and in the
future.

Calculate


HOW MUCH DO I PUT IN MY HSA?

If you've decided to save in a health savings account, your next move is to
figure out how much.

Learn more


HSA CONTRIBUTION LIMITS

See how much you are eligible to contribute each year.

Learn more


GETTING TO KNOW YOUR HIGH-DEDUCTIBLE HEALTH PLAN

If your company offers an HDHP, it's a good idea to know how it works.

Learn more


HOW DO HEALTH AND BENEFIT ACCOUNTS COMPARE?

A summary of the main features of each type of account and how some accounts can
work together.

Learn more


HAVE QUESTIONS?

HSA FAQ


REAL LIFE SCENARIO VIDEOS

Watch to find out how others are using their HSA to save for health care costs.


EXPLORE HSA INVESTING

Watch this on-demand seminar to learn how to take advantage of HSA investing.


UNLOCK THE POTENTIAL TO GROW YOUR HSA

Your HSA dollars could be working harder for your future.

Learn more


DO MORE WITH YOUR BALANCE

HSA investing offers potential to build tax-free wealth.

Learn more


HSA INVESTING

Choose to invest your Health Savings Account (HSA) to help it grow for the
future.


DISCOVERING THE BENEFIT OF HSA INVESTING

See the potential for account growth over the long term.

Learn more


USE YOUR HSA AS AN INVESTMENT TOOL

Tips on how to get started investing the balance of your HSA to help you plan
for the future.

Learn more


SETTING UP YOUR INVESTMENT ACCOUNT

You can set up your investment transfer threshold at any time.

Learn more
HSA Core Investment Menu

View the investment choices available for your account.

View choices


MANAGING YOUR INVESTMENTS

Easily set up, view and mange your investments on the member website and mobile
app.

Learn more
Support your goals

Merrill's Education Center is a hub of online resources to help you manage your
full financial life.

Visit the site


GIVE YOUR HSA BALANCE A CHANCE TO GROW

Take a quick quiz to learn about investing!


HAVE QUESTIONS?

Investment FAQ


QUICKCHAT: READY WHEN YOU ARE

An interactive tool on the member website offering you a quick and secure way to
get help with your account 24/7.

Learn more


FIRST TIME LOGGING IN TO YOUR ACCOUNT?

Get tips for logging in via the member website or MyHealth app.

Learn more


QUALIFIED MEDICAL EXPENSES

Find out what expenses are covered by your HSA.

Learn more


RECEIPTS

What you need to know about saving receipts.

Learn more


MAKING CONTRIBUTIONS

How to make contributions and steps to take if you over contribute.

Learn more


3 WAYS TO PAY

Conveniently pay for qualified medical expenses using funds in your HSA.

Learn more


USING YOUR HEALTH AND BENEFIT ACCOUNT

Learn how to use our technology, tools and education to strengthen your
financial future.


HAVE MULTIPLE ACCOUNTS?

See how your Visa® debit card works with multiple health and benefit accounts.

Learn more


LINK YOUR BANK ACCOUNT

The easy way to make contributions or reimburse yourself for an out of pocket
expense.

Learn more


MYHEALTH BOFA APP

Manage your health and benefit account whenever you need to, wherever you are.


MYHEALTH APP TIPS

Wherever life takes you, the MyHealth app is the easy way to manage your account
on the go.

Learn more


AUTHORIZED REPRESENTATIVE

You can designate someone to speak with us about your account.

Learn more


TAX TIME

HSA tax documents.

Learn more


INTEREST RATES

How much interest can money in your HSA earn?

Learn more


HAVE QUESTIONS?

HSA FAQ


ACCOUNT FEES

Review the fees associated with your account if not sponsored by your employer.

Learn more


ACCOUNT SECURITY

Keeping your account safe.

Learn more


DESIGNATE A BENEFICIARY

What happens to your HSA when you pass away?

Learn more


IS YOUR DEBIT CARD LOST OR STOLEN?

Find out the steps you should take if your debit card is lost or stolen or if
you see unusual account activity.

Learn more


HOW TO ORDER A DEBIT CARD FOR A DEPENDENT

A health and benefits Visa® debit card is the easiest way to pay for qualified
expenses.

Learn more


WEBINAR CENTRAL

Make an Health Savings Account part of your long-term savings strategy.

See webinar topics and register


MAXIMIZE THE BENEFITS OF YOUR HSA

Watch this on-demand seminar to better understand how to make the most of your
HSA’s benefits.


DO MORE WITH YOUR BALANCE

HSA investing offers potential to build tax-free wealth.

Learn more


SPEND LESS OF YOUR HSA TO SAVE MORE

Get tips to help you spend less of your HSA so you can start building your
account balance for the future.

Learn more
More smart money tips

Check out Better Money Habits for easy-to-understand information to help you
manage everyday finances.

Visit the site
HSA with LPFSA Brochure

Find out how you can maximize tax savings when pairing an HSA with a Limited
Purpose Flexible Savings Account.

View brochure


HOW OTHERS USE THEIR HSA TO PLAN FOR HEALTH CARE EXPENSES

See how an HSA can be used in various situations.

Learn more


THE IMPORTANCE OF AN HSA IN YOUR 20'S AND 30'S

Saving in your HSA can help you be prepared for the future, especially when you
start early.

Learn more


MAKE THE MOST OF YOUR HSA AT ANY AGE

Whether you’re just started contributing to your HSA or have had one for years,
you may not realize the saving power you have in your hands.

Learn more


SHOULD I SPEND OR SAVE MY HSA?

To spend or save? It's the age-old tug of war when it comes to financial
matters.

Learn more
Support your goals

Merrill's Education Center is a hub of online resources to help you manage your
full financial life.

Visit the site


ASHLEY: LEARNING HOW AN HSA FITS WITH GOALS

Watch to find out how Ashley, who is just starting her career, plans to use her
HSA.


LEIGH: MAKING THE MOST OF HER HSA FOR RETIREMENT

Watch to find out how Leigh is nearing retirement and planning for health care.


JAMES: PAIRING AN LPFSA WITH AN HSA

Watch to find out how James plans to use his HSA and LPFSA to pay for his
daughter’s braces.


ROB: USING AN HSA TO COVER HIS FAMILY’S HEALTH CARE EXPENSES

Watch to find out how Rob manages health care costs for his family.


HAVE QUESTIONS?

HSA FAQ


HSA SAVINGS CALCULATOR

See how your savings can add up to help pay for medical needs now and in the
future.

Calculate


HEALTH CARE IN RETIREMENT

Watch this on-demand seminar to learn how to plan for your health care in
retirement.


HEALTH CARE IN RETIREMENT: WHAT’S YOUR PLAN?

How HSA investing can factor into retirement planning.

Learn more
Better Together Brochure

Learn how to use both your HSA and 401(k) together to prepare for the future.

View brochure


WHO WILL PAY FOR YOUR HEALTH CARE IN RETIREMENT?

This is a good question, whether retirement is around the corner or far off in
the future.

Learn more


BETTER TOGETHER

Put your 401k and your HSA benefits to work for your future.

Learn more


HSA + 401(K)

See how these two great benefits can work together for you.

Support your goals

Merrill's Education Center is a hub of online resources to help you manage your
full financial life.

Visit the site


LEIGH: MAKING THE MOST OF HER HSA FOR RETIREMENT

Watch to find out how Leigh is nearing retirement and planning for health care.


HAVE QUESTIONS?

HSA and Medicare in retirement FAQ


HSA SAVINGS CALCULATOR

See how your savings can add up to help pay for medical needs now and in the
future.

Calculate
 * FSA basics
 * FSA user guide


A QUICK TAKE ON FSAS

A Healthcare Flexible Spending Account is a health care account that lets you
set aside pre-tax money to help pay for qualified medical, dental and vision
expense.

Learn more
Flexible Spending Account brochure

Set aside tax-free money to save for qualified health care expenses in the
current year.

View brochure


QUALIFIED MEDICAL EXPENSES

Find out what expenses are covered by an FSA

Learn more


CALCULATE HOW MUCH YOU CAN SAVE WITH AN FSA

Estimate your annual expenses so you can set aside pre-tax money on an annual
basis to pay for qualified medical expenses.

Calculate
Support your goals

Merrill's Education Center is a hub of online resources to help you manage your
full financial life.

Visit the site


JAMES: PAIRING AN LPFSA WITH AN HSA

Watch to find out how James plans to use his HSA and LPFSA to pay for his
daughter’s braces.


HOW DO HEALTH AND BENEFIT ACCOUNTS COMPARE?

A summary of the main features of each type of account and how some accounts can
work together.

Learn more
More smart money tips

Check out Better Money Habits for easy-to-understand information to help you
manage everyday finances.

Visit the site
HSA with LPFSA Brochure

Find out how you can maximize tax savings when pairing an HSA with a Limited
Purpose Flexible Savings Account.

View brochure


HAVE QUESTIONS?

FSA FAQ


YEAR-END SPENDING RULES FOR FSAS

What happens to the money in your account at the end of the year?

Learn more


QUICKCHAT: READY WHEN YOU ARE

An interactive tool on the member website offering you a quick and secure way to
get help with your account 24/7.

Learn more


ACE THE CLAIMS AND SUBSTANTIATION PROCESS

Get tips and tools to help you file claims and substantiate expenses.

Learn more


EXPENSE SUBSTANTIATION

Watch this on-demand seminar to learn what it is, why it’s required and tips to
get it done.


QUALIFIED MEDICAL EXPENSES

Find out what expenses are covered by an FSA

Learn more


FIRST TIME LOGGING IN TO YOUR ACCOUNT?

Get tips for logging in via the member website or MyHealth app.

Learn more


RECEIPTS

What you need to know about saving receipts.

Learn more


3 WAYS TO PAY

Conveniently pay for qualified medical expenses using funds in your FSA.

Learn more


AUTHORIZED REPRESENTATIVE

You can designate someone to speak with us about your account.

Learn more


USING YOUR HEALTH AND BENEFIT ACCOUNT

Learn how to use our technology, tools and education to strengthen your
financial future.


HAVE MULTIPLE ACCOUNTS?

See how your Visa® debit card works with multiple health and benefit accounts.

Learn more


LINK YOUR BANK ACCOUNT

The easy way to make contributions or reimburse yourself for an out of pocket
expense.

Learn more


MYHEALTH BOFA APP

Manage your health and benefit account whenever you need to, wherever you are.


MYHEALTH APP TIPS

Wherever life takes you, the MyHealth app is the easy way to manage your account
on the go.

Learn more


HOW TO FILE A CLAIM

You can file a claim on the member website or the MyHealth mobile app.

Learn how


SUBSTANTIATING A TRANSACTION

Providing documentation that an expense is qualified.

Learn more


DENIED CLAIM

Find out what to do next.

Learn more


HAVE QUESTIONS?

FSA FAQ


ACCOUNT SECURITY

Keeping your account safe.

Learn more


IS YOUR DEBIT CARD LOST OR STOLEN?

Find out the steps you should take if your debit card is lost or stolen or if
you see unusual account activity.

Learn more


HOW TO ORDER A DEBIT CARD FOR A DEPENDENT

A health and benefits Visa® debit card is the easiest way to pay for qualified
expenses.

Learn more
 * HRA basics
 * HRA user guide


A QUICK TAKE ON HRAS

An HRA is a type of health account offered through some employers.

Learn more


HOW DO HEALTH AND BENEFIT ACCOUNTS COMPARE?

A summary of the main features of each type of account and how some accounts can
work together.

Learn more


QUALIFIED MEDICAL EXPENSES

Find out what expenses are covered by an HRA

Learn more
Support your goals

Merrill's Education Center is a hub of online resources to help you manage your
full financial life.

Visit the site


HAVE QUESTIONS?

HRA FAQs
More smart money tips

Check out Better Money Habits for easy-to-understand information to help you
manage everyday finances.

Visit the site


QUICKCHAT: READY WHEN YOU ARE

An interactive tool on the member website offering you a quick and secure way to
get help with your account 24/7.

Learn more


ACE THE CLAIMS AND SUBSTANTIATION PROCESS

Get tips and tools to help you file claims and substantiate expenses.

Learn more


FIRST TIME LOGGING IN TO YOUR ACCOUNT?

Get tips for logging in via the member website or MyHealth app.

Learn more


RECEIPTS

What you need to know about saving receipts.

Learn more


3 WAYS TO PAY

Conveniently pay for qualified medical expenses using funds in your HRA.

Learn more


AUTHORIZED REPRESENTATIVE

You can designate someone to speak with us about your account.

Learn more


USING YOUR HEALTH AND BENEFIT ACCOUNT

Learn how to use our technology, tools and education to strengthen your
financial future.


HAVE MULTIPLE ACCOUNTS?

See how your Visa® debit card works with multiple health and benefit accounts.

Learn more


LINK YOUR BANK ACCOUNT

The easy way to make contributions or reimburse yourself for an out of pocket
expense.

Learn more


MYHEALTH BOFA APP

Manage your health and benefit account whenever you need to, wherever you are.


MYHEALTH APP TIPS

Wherever life takes you, the MyHealth app is the easy way to manage your account
on the go.

Learn more


HOW TO FILE A CLAIM

You can file a claim on the member website or the MyHealth mobile app.

Learn how


SUBSTANTIATING A TRANSACTION

Providing documentation that an expense is qualified.

Learn more


DENIED CLAIM

Find out what to do next.

Learn more


ACCOUNT SECURITY

Keeping your account safe.

Learn more


HAVE QUESTIONS?

HRA FAQs


IS YOUR DEBIT CARD LOST OR STOLEN?

Find out the steps you should take if your debit card is lost or stolen or if
you see unusual account activity.

Learn more


HOW TO ORDER A DEBIT CARD FOR A DEPENDENT

A health and benefits Visa® debit card is the easiest way to pay for qualified
expenses.

Learn more
 * DCFSA basics
 * DCFSA user guide

Dependent Care FSA brochure

Learn about how you can use pre‑tax dollars to pay for eligible expenses related
to caring for dependents.

View brochure


YEAR-END SPENDING RULES FOR FSAS

What happens to the money in your account at the end of the year?

Learn more


QUALIFIED EXPENSES

Find out what expenses are covered by a DCFSA

Learn more


CALCULATE HOW MUCH YOU CAN SAVE WITH A DCFSA

Estimate your annual expenses so you can set aside pre-tax money on an annual
basis to pay for qualified medical expenses.

Calculate


HAVE QUESTIONS?

DCFSA FAQs


HOW DO HEALTH AND BENEFIT ACCOUNTS COMPARE?

A summary of the main features of each type of account and how some accounts can
work together.

Learn more
Support your goals

Merrill's Education Center is a hub of online resources to help you manage your
full financial life.

Visit the site
More smart money tips

Check out Better Money Habits for easy-to-understand information to help you
manage everyday finances.

Visit the site


QUICKCHAT: READY WHEN YOU ARE

An interactive tool on the member website offering you a quick and secure way to
get help with your account 24/7.

Learn more


ACE THE CLAIMS AND SUBSTANTIATION PROCESS

Get tips and tools to help you file claims and substantiate expenses.

Learn more


EXPENSE SUBSTANTIATION

Watch this on-demand seminar to learn what it is, why it’s required and tips to
get it done.


FIRST TIME LOGGING IN TO YOUR ACCOUNT?

Get tips for logging in via the member website or MyHealth app.

Learn more


RECEIPTS

What you need to know about saving receipts.

Learn more


3 WAYS TO PAY

Conveniently pay for qualified expenses using funds in your DCFSA.

Learn more


AUTHORIZED REPRESENTATIVE

You can designate someone to speak with us about your account.

Learn more


USING YOUR HEALTH AND BENEFIT ACCOUNT

Learn how to use our technology, tools and education to strengthen your
financial future.


HAVE MULTIPLE ACCOUNTS?

See how your Visa® debit card works with multiple health and benefit accounts.

Learn more


LINK YOUR BANK ACCOUNT

The easy way to make contributions or reimburse yourself for an out of pocket
expense.

Learn more


MYHEALTH BOFA APP

Manage your health and benefit account whenever you need to, wherever you are.


MYHEALTH APP TIPS

Wherever life takes you, the MyHealth app is the easy way to manage your account
on the go.

Learn more


HOW TO FILE A CLAIM

You can file a claim on the member website or the MyHealth mobile app.

Learn how


SUBSTANTIATING A TRANSACTION

Providing documentation that an expense is qualified.

Learn more


DENIED CLAIM

Find out what to do next.

Learn more


ACCOUNT SECURITY

Keeping your account safe.

Learn more


HAVE QUESTIONS?

DCFSA FAQs


IS YOUR DEBIT CARD LOST OR STOLEN?

Find out the steps you should take if your debit card is lost or stolen or if
you see unusual account activity.

Learn more


HOW TO ORDER A DEBIT CARD FOR A DEPENDENT

A health and benefits Visa® debit card is the easiest way to pay for qualified
expenses.

Learn more
 * Commuter Benefits basics
 * Commuter Benefits user guide

Commuter Benefits Brochure

Learn more about how you can use pre-tax dollars to pay for qualified commuting
expenses, such as a monthly train pass and parking at the station.

View brochure


HOW TO USE YOUR COMMUTER BENEFITS

See how easy it is to pay for your commuter-related expenses from your transit
or parking accounts.

Learn more


HAVE QUESTIONS?

Commuter Benefits FAQ


FIRST TIME LOGGING IN TO YOUR ACCOUNT?

Get tips for logging in via the member website or MyHealth app.

Learn more


MYHEALTH BOFA APP

Manage your health and benefit account whenever you need to, wherever you are.


MYHEALTH APP TIPS

Wherever life takes you, the MyHealth app is the easy way to manage your account
on the go.

Learn more


ACCOUNT SECURITY

Keeping your account safe.

Learn more


HAVE QUESTIONS?

Commuter Benefits FAQ


IS YOUR DEBIT CARD LOST OR STOLEN?

Find out the steps you should take if your debit card is lost or stolen or if
you see unusual account activity.

Learn more
 * LSA basics
 * LSA user guide

Lifestyle Spending Account Brochure

Learn more about how your LSA can support your overall health and well-being.

View brochure


HOW TO USE YOUR LIFESTYLE SPENDING ACCOUNT (LSA)

See how easy it is to use your LSA to pay for eligible health- and
wellness-related purchases.

Learn more


HAVE QUESTIONS?

Lifestyle Spending Account FAQ


HOW TO PAY WITH YOUR LIFESTYLE SPENDING ACCOUNT (LSA)

See the ways you can access funds in your account to pay for qualified expenses.

Learn more


FIRST TIME LOGGING IN TO YOUR ACCOUNT?

Get tips for logging in via the member website or MyHealth app.

Learn more


HAVE QUESTIONS?

Lifestyle Spending Account FAQ


MYHEALTH APP TIPS

Wherever life takes you, the MyHealth app is the easy way to manage your account
on the go.

Learn more


LINK YOUR BANK ACCOUNT

The easy way to make contributions or reimburse yourself for an out of pocket
expense.

Learn more


IS YOUR DEBIT CARD LOST OR STOLEN?

Find out the steps you should take if your debit card is lost or stolen or if
you see unusual account activity.

Learn more


ACCOUNT SECURITY

Keeping your account safe.

Learn more


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About Triple Tax Advantages: You can receive tax-free distributions from your
HSA to pay or be reimbursed for qualified medical expenses you incur after you
establish the HSA. If you receive distributions for other reasons, the amount
you withdraw will be subject to income tax and may be subject to an additional
20% tax. Any interest or earnings on the assets in the account are tax free. You
may be able to claim a tax deduction for contributions you, or someone other
tahn your employer, make to your HSA. Bank of America recommends you contact
qualified tax or legal counsel before establishing an HSA.

Investing in securities involves risks, and there is always the potential of
losing money when you invest in securities.

Bank of America, N.A. makes available The HSA for Life® Health Savings Account
as a custodian only. The HSA for Life is intended to qualify as a Health Savings
Account (HSA) as set forth in Internal Revenue Code section 223. However, the
account beneficiary establishing the HSA is solely responsible for ensuring
satisfaction of eligibility requirements set forth in IRC sec 223. If an
individual/employee establishes a HSA and s/he is not otherwise eligible, s/he
will be subject to adverse tax consequences. In addition, an employer making
contributions to the HSA of an ineligible individual may also be subject to tax
consequences. We recommend that applicants and employers contact qualified tax
or legal counsel before establishing a HSA.

Bank of America does not sponsor or maintain the Flexible Spending Accounts
(FSA) / Health Reimbursement Accounts (HRA) that you establish. The programs are
sponsored and maintained solely by the employer offering the plan, or by an
individual establishing an independent plan. Bank of America acts solely as
claims administrator performing administrative tasks pursuant to an agreement
with, and at the direction of, the sponsoring employer or individual under an
independent plan. The sponsoring employer or individual under an independent
plan is solely responsible for ensuring such arrangements comply with all
applicable laws.

The planning tools and information calculators are illustrative only, and
accuracy is not guaranteed. They are intended to provide a comparative tool for
various consumer health care options and potential costs and savings of those
options. Bank of America and its affiliates are not tax or legal advisors. The
calculators are not intended to offer any tax, legal or financial advice and do
not assure the availability of or your eligibility for any specific product
offered by Bank of America or its affiliates. Please consult with qualified
professionals to discuss your situation. This site may contain links to
third-party content, which may be articles, videos, or calculators, regarding
health plans only as a convenience. Some articles, videos and calculators may
have been written and produced by third parties not affiliated with Bank of
America or any of its affiliates.

Neither Bank of America nor any of its affiliates or employees provide legal,
tax or accounting advice. You should consult your legal and/or tax advisors
before making any financial decisions. This material should be regarded as
general information on health care considerations and is not intended to provide
specific health care advice.

If you have questions regarding your particular health care situation, please
contact your health care, legal or tax advisor.

Please consult with your own attorney or tax advisor to understand the tax and
legal consequences of establishing and maintaining a HSA, FSA, Dependent Care
FSA, and/or HRA plan.

All trademarks and service marks belong to Bank of America Corporation unless
otherwise noted.

Bank of America, N.A., Member FDIC. Mutual Fund investment offerings for the
Bank of America HSA are made available by Merrill Lynch, Pierce, Fenner & Smith
Incorporated (“MLPF&S”), a registered broker-dealer, registered investment
adviser, Member SIPC, and a wholly owned subsidiary of Bank of America
Corporation (“BofA Corp.”). Investments in mutual funds are held in an omnibus
account at MLPF&S in the name of Bank of America, N.A., for the benefit of all
HSA account owners. Recommendations as to HSA investment menu options are
provided to Bank of America, N.A. by the Chief Investment Office (“CIO”), Global
Wealth & Investment Management (“GWIM”), a division of BofA Corp. The CIO, which
provides investment strategies, due diligence, portfolio construction guidance
and wealth management solutions for GWIM clients, is part of the Investment
Solutions Group (ISG) of GWIM.

Investment products:

Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value

© 2023 Bank of America Corporation. All rights reserved. 5337737
Exp-12/09/2023(global footer) 5513206 Exp - 03/14/2025

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Exp-04/28/2024(global footer)


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You're continuing to another website that Bank of America doesn't own or
operate. Its owner is solely responsible for the website's content, offerings
and level of security, so please refer to the website's posted privacy policy
and terms of use.

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ADVERTISING PRACTICES:

We strive to provide you with information about products and services you might
find interesting and useful. Relationship-based ads and online behavioral
advertising help us do that.

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
email) that's customized to meet specific interests you may have. If you prefer
that we do not use this information, you may opt out of online behavioral
advertising. If you opt out, though, you may still receive generic advertising.
In addition, financial advisors/Client Managers may continue to use information
collected online to provide product and service information in accordance with
account agreements. 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 Account Access. 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.




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