A guide to reading your deposit account statement.
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1 A guide to reading your deposit account statement. The Bank of America deposit account statement is designed to efficiently meet your account information needs. To better understand this deposit account statement, please review the headings and examples in this guide. If you have any questions, contact your Bank of America account representative. Basic Account Information 1. Account Number The number indentifying your account. 2. Last Statement The ending date of the previous statement. 3. This Statement The ending date of the current statement. 4. Customer Service The statement inquiry phone number. 5. Customer Address The address to which this copy of the statement is being mailed. 6. Page Number Pages are numbered sequentially and show the total number of pages included in this month s statement. 7. Account Type The type of account this statement represents. Account Summary Information 8. Account Summary Information The summary information for this statement. 9. Statement Period The beginning and end dates for this statement period. 10. Statement Beginning Balance The ledger balance at the start of the first business day of the statement period. 12. Amount of Deposits/Credits The total dollar amount of deposit and credit transactions posted to the account during the statement period. 13. Number of Checks The total number of checks posted to the account during the statement period. 14. Amount of Checks The total dollar amount of checks posted to the account during the statement period. 15. Number of Other Debits The total number of debits, other than checks, posted to the account during the statement period. 16. Amount of Other Debits The total dollar amount of debits, other than checks, posted to the account during the statement period. 17. Statement Ending Balance The ledger balance at the end of the last business day of the statement period. This balance equals the beginning balance plus the total credits minus the total debits. 18. Number of Enclosures The total number of enclosures, if any, accompanying the original statement. 19. Service Charge Service charges associated with this account which are directly debited during the statement period. 11. Number of Deposits/Credits The total number of deposit and credit transactions posted to the account during the statement period.
2 Transaction Information 20. Deposits and Credits The detail listing of deposits and credits for this statement. 21. Transaction Detail The detail listing of all transactions (debits and credits) in posting date order. 22. Date Posted The date a transaction was debited or credited to the account. 23. Customer Reference Reference used for identification as defined by the account holder for transactions other than checks. The customer reference for checks is the serial number encoded on the check posted. 24. Amount The dollar amount of a transaction. 25. Description The description of a transaction. 26. Bank Reference The number assigned to an item during bank processing to facilitate research. 27. Withdrawals and Debits The detail listing of withdrawals, including checks and other debits. 28. Checks The detail listing of checks posted to the account during the statement period. Checks are always listed in check number order. 29. Check Number The serial number encoded on the check posted. 30. Other Debits The detail listing of debits, other than checks, posted to the account during the statement period. Daily Balance Information 31. Daily Balances The listing of closing balances for each business day that the balance changes during the statement period. 32. Date The date of the closing balance. 33. Ledger Balance The ledger balance at the end of the business day. The closing ledger balance equals the opening balance plus the total credits minus the total debits. 34. Collected Balance The collected balance at the end of the business day. The closing collected balance equals the closing ledger balance minus float. Float Adjustment Information 35. Float Adjustments, Prior Periods Listing of float adjustments that posted to the account during this statement period and for which the effective date is for a prior statement period. 36. Eff Date The effective date of the adjustment. 37. No of days The number of days the adjustment affected. 38. Date Posted. The actual date the adjustment posted to the account. Interest Information 39. Interest Information The interest information for this current statement. 40. Amount of Interest Paid The interest paid during the statement period. 41. Interest Paid Year-to-Date The cumulative interest paid thus far this year. 42. Annual Percentage Yield Earned The average interest rate that was earned for the statement period. Note: If your account is an Interest-Bearing Account: The average collected balance is the sum of the closing collected balances of each calendar day in the month divided by the number of calendar days in the month. Your average collected balance will be included in the interest paid description. The below information will appear on Page 1 following the Account Summary Information section:
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6 Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ( Investment Banking Affiliates ), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered Guaranteed. AD-AH-1351ED Bank of America Corporation.
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