Bank of America takes the protection of your personal information very seriously. We value your trust, and we understand that handling your financial information with care is one of our most important responsibilities. Our policies, procedures and protections are always evolving to stay ahead of new strategies used by fraudsters. Confidentiality and the security of personal and financial information of our customers and clients is the highest priority at Bank of America.
We have multiple layers of security protection in place to protect clients, customers, employees and our company. We have a sustainable cybersecurity program built on accountability, consistency and measurement. In addition, we have a strict code of ethics for all employees that requires confidential treatment of client information.
Only those who need to know a client's financial information — because they provide services a client might need — are authorized to have access to it. All Bank of America employees must complete information protection training annually. Bank of America also maintains physical, electronic and procedural safeguards to protect against unauthorized access to client information. If we do contact you, please review and respond promptly. You should also familiarize yourself with our privacy notices and watch the short Keeping your financial information safe video from Better Money Habits.
One of the easiest and most effective ways you can protect your accounts is to take advantage of the resources we provide on our site. You should also familiarize yourself with our our privacy notices and watch the short Keeping your financial information safe video from Better Money Habits.
You should always approach unsolicited email containing urgent appeals for security or personal information with great caution. Be sure to confirm the validity of email messages that appear to come from trusted sources by carefully examining the email address itself, as well as the content within it.
All email we send to you contains authentication markers such as a digital signature , which help your email provider or software determine whether or not it is junk mail.
If an email appears to be from Bank of America but ends up in your junk email folder, leave it there. Note that if the email address we have on file for security alerts is one you automatically forward to another personal email account, it increases the likelihood that your email provider or software will incorrectly classify it as junk mail. Identity theft occurs when someone uses your personal identifiable information to commit fraudulent acts such as withdrawing money from your bank account, opening new credit cards, applying for loans or even gaining employment.
The most common signs of identity theft include:. If you've been the victim of identity theft, we're here to help. Our page on resolving identity theft has additional information and steps for you to follow that you should find helpful. While no age group is immune, older people often have considerable savings, and in some cases may be less familiar with new fraud techniques. The best offense against elder fraud is a good defense. Learn more about elder fraud and how to help protect your loved ones.
Using your computer without taking proper precautions can leave you vulnerable to personal and financial information theft. In addition to the steps we take to protect you, there are a number of steps you can take, too.
When your identity is stolen,. In some cases, criminals are even filing tax returns. A victim of identity theft could go months. The tip off could be a past due notice in the mail. If you notice something wrong,. Identity theft is becoming pretty common,. So most victims have to be very proactive. Think about it this way, you're going to be. So let's go through the steps you'll need to take. The first step to take as soon as you suspect identity theft. Businesses have to check your credit report.
So if they see there's a fraud alert on your report,. To file an alert, you can call. Experian, Equifax or TransUnion, and tell a representative. It actually doesn't matter which one you call. It's free and the alert will stay. For even more protection you might also.
A credit freeze means that no creditors. This can make it harder for a criminal. You can lift a credit freeze at any time. In most states, setting up a credit freeze. You can visit your state's attorney general's. To request a credit freeze you'll need to contact.
After you've set up an initial fraud report. Your initial fraud report allows you. Contact each one for instructions. Look over each report carefully. Then before you dig into the problems you may find,. The report will help you get fraudulent info. Is someone targeting you? Take the quiz How much money is lost to identity theft?
Not exactly. Why protect yourself? Thieves search your trash or mailbox for financial statements. Telemarketing schemes. Phony credit card check. Social network searches. Popular social networking sites are searched for personal data.
A computer virus is used to steal personal data from your computer. Shoulder surfing. Avoid being a victim Knowing what to look out for and making sure you routinely monitor and safeguard your personal information is essential. Buy and use a paper shredder on documents that contain personal information Regularly check your credit report for unusual activity Install virus protection on your computer Store important documents like bank statements in a locked place.
Click on links in unsolicited emails Give information to just anyone who calls you. Call back customer service to confirm the request is legitimate. Trust caller ID — it can be manipulated to show misleading information Carry your Social Security card.
If you suspect fraud or an error on your Health Account debit card, please contact Customer Care at the number on the back of your card to report the charges as soon as possible. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. Access to funds next business day in most cases, pending resolution of claim.
Consult customer and account agreements for full details. A summary of the main features of each type of health account, and how some accounts can work together. Watch these real-life scenarios to see what qualified expenses you can use a health savings account to cover. 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. However, the account beneficiary establishing the HSA is solely responsible for ensuring satisfaction of eligibility requirements set forth in IRC sec 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.
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.
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