estimate how much money needs to be left in your account to meet your priority debts and essential living expenses like your mortgage, rent and food bills. tell you about its right to set-off at least 14 days before it's used on your account and, when appropriate, on any other occasions. If a bank wants to claim money from your account to pay a debt, it should: This could happen if you miss a loan or credit card payment and you also have a current or savings account with the bank. Your bank may be able to claim money from one of your accounts to pay your debt in another account. But this won’t be the case if you weren’t aware of the loss, or if your bank was at fault. If your card was lost, stolen or copied, you may have to pay the first £35 of an unauthorised transaction. In all cases, banks can’t simply say that the use of your password, card or PIN proves you authorised a payment. the loss was due to the use of a payment card (including a virtual card) by someone who had it with your consent. 
it can prove you, or someone acting on your behalf, authorised the payment. If the unauthorised payment was from an overdrawn current account or a credit card payment, your bank can only refuse a refund if: you only told your bank about the unauthorised payment 13 months (or more) after the date it left your account. it can prove you deliberately, or with 'gross negligence', failed to protect the details of your card, PIN or password in a way that allowed the payment. it can prove you authorised the payment. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs.Your bank can only refuse to refund an unauthorised payment if: 
These ads are based on your specific account relationships with us. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.Īlso, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. If you opt out, though, you may still receive generic advertising.
If you prefer that we do not use this information, you may opt out of online behavioral advertising. 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. 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. Relationship-based ads and online behavioral advertising help us do that. We strive to provide you with information about products and services you might find interesting and useful.
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