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 establishes the bank's operational authority to adjust account economics and conditions through a unilateral modification mechanism. The advance notice requirement creates a procedural window for account holders to review changes, while the acceptance-through-continued-use framework establishes a constructive assent mechanism rather than requiring explicit opt-in.
Account holders operate under terms that may be modified by the bank during the account relationship. The mechanism permits fee or term changes to become effective upon continued use after notice, meaning the account holder must either accept modified terms or close the account to avoid them.
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Except as expressly set forth herein, all fees and charges are non-refundable. All fees are exclusive of taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties.
When you send cryptocurrency, Coinbase may charge a network fee (also called a 'miner's fee') to process the transaction on the cryptocurrency network. The exact fee will depend on network conditions at the time of the transaction and will be disclosed prior to completing the send.
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"We may change, add, or delete fees or other terms of your deposit account at any time. We will give you advance notice of any change as required by applicable law. Your continued use of your account after the effective date of the change constitutes your acceptance of the change.— Excerpt from Bank of America's Bank of America Fee Schedule
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This provision establishes the bank's operational authority to adjust account economics and conditions through a unilateral modification mechanism. The advance notice requirement creates a procedural window for account holders to review changes, while the acceptance-through-continued-use framework establishes a constructive assent mechanism rather than requiring explicit opt-in.
Account holders operate under terms that may be modified by the bank during the account relationship. The mechanism permits fee or term changes to become effective upon continued use after notice, meaning the account holder must either accept modified terms or close the account to avoid them.
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