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Protecting Your Financial Transactions


Fraud protection is not just for credit cards, but can also affect common banking services and wire transfers. That's why Bank of America protects your information through the use of banking services safeguards.

Access to Bank of America's:


Early Fraud Warnings

Designed to identify potential fraud if unusual or abnormal spending patterns occur in your account—in the event someone has stolen your credit card account information and is charging purchases to you.


Visa Cards With a Cardholder Verifications Value

This is the special three-digit code that is printed on the back of your credit card. If you are making a transaction online or on the phone, you may be asked to enter this special three-digit code. This safeguard measure ensures that you physically have the Visa card with you-in the event someone has stolen your credit card number (but not your actual physical card), they can't make purchases online.



Web Bill Pay

Bank of America uses strong encryption so you can be assured that your payments will arrive safely and securely and that we will always keep your information private-in the event someone steals your checks that you are mailing out. "Encryption" means we convert the information into code (while it is transmitting from your computer to ours) so it is unintelligible to unauthorized parties.


If you need to report identity theft or fraud, or if you have questions, please call us at phone phone 1.800.MERRILL (637.7455), or contact your Financial Advisor.


Credit and banking services are provided by Bank of America, N.A.


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