By providing a telephone number, account holders authorize Bank of America to contact them using automatic dialers, automated text messages, and prerecorded voice messages on that number, including cell phones, and authorize the bank to monitor and record calls and texts.
This analysis describes what Bank of America's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision obtains consent to automated and prerecorded contact through the act of providing a telephone number, which is operationally significant for Telephone Consumer Protection Act compliance because TCPA requires prior express written consent for certain categories of autodialed or prerecorded calls to cell phones.
Interpretive note: The sufficiency of consent obtained by the act of providing a telephone number within a deposit agreement for TCPA purposes is subject to ongoing FCC interpretive guidance and litigation, creating enforceability uncertainty in specific contact scenarios.
The updated Deposit Agreement now explicitly discloses that disputes are subject to mandatory arbitration and class action waiver provisions, as stated prominently at the document's opening. The agreement establishes separate dispute resolution procedures for personal and business accounts and introduces new operational provisions governing account closure, jurisdiction and venue, cutoff times for legal orders, and responses to conflicting demands. The terms require that by using or maintaining your account after a change is effective, you agree to be bound by the updated provisions. You can review the complete updated agreement on bankofamerica.com or contact Bank of America directly if you wish to understand how the specific dispute resolution procedures apply to your account.
View change record →Under this provision, account holders who provide a telephone number consent to receiving autodialed calls, automated texts, and prerecorded voice messages from Bank of America at that number, including for collections-related communications regarding amounts owed. Calls and texts may be monitored and recorded.
Cross-platform context
See how other platforms handle Authorization to Use Automatic Dialers and Record Phone Calls and similar clauses.
Compare across platforms →"By giving us your telephone number you authorize us to: Use that number to contact you, including by use of automatic dialers, automated text messages, or artificial or prerecorded voice messages. If you provide a cell phone number, we may use it to call or text you. For example, we may call or text you about fraud alerts or amounts you owe us. Monitor and record calls and texts for reasonable business purposes, such as security and quality control.Excerpt from Bank of America's Deposit Agreement
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This provision obtains consent to automated and prerecorded contact through the act of providing a telephone number, which is operationally significant for Telephone Consumer Protection Act compliance because TCPA requires prior express written consent for certain categories of autodialed or prerecorded calls to cell phones.
Under this provision, account holders who provide a telephone number consent to receiving autodialed calls, automated texts, and prerecorded voice messages from Bank of America at that number, including for collections-related communications regarding amounts owed. Calls and texts may be monitored and recorded.
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