Prepaid Card Online Privacy Notices
Effective November 1, 2012
This Prepaid Card Online Privacy Notice ("Notice") applies to the prepaid card websites that link to this Notice (collectively or individually, "the Websites"). This Notice explains how Bank of America with respect to your Prepaid Card (referred to herein as "we") may collect, share and use information from or about you when you visit the Websites.
Information collected from the Websites will be used in accordance with the Prepaid Card Privacy Notice which explains our collection, use, sharing and security of consumer information and applies exclusively to the prepaid card products described in that notice. By using our Websites, you agree to the terms and conditions of this Notice.
Collecting and using online information
In accordance with our Prepaid Card Privacy Notice we will only share information collected from or about you online with our third party service providers in connection with our prepaid card programs or as requested by you or your authorized representative, or when required by law.
Cookies are pieces of information stored directly on the computer you are using. We may place cookies or similar files such as Flash objects on your hard drive for security purposes and to facilitate site navigation. Cookies allow us to collect technical and navigational information, such as browser type, time spent on the Websites and pages visited. Cookies provide us the capability to monitor the use of the Websites so we can continually improve the design and functionality to better serve you. Cookies and similar files we may use do not contain or capture unencrypted personal information. If you choose not to accept cookies from the Websites, then you may not be able to access and use all or part of the site or benefit from the information and services offered.
We may use Flash objects (sometimes referred to as "Local Shared Objects") on the Websites. As with cookies, we never store personal information in these Flash object files unless encrypted. You can learn more about Flash objects — including how to control and disable them — through the Adobe interface. If you choose to delete Flash objects from the Websites, then you may not be able to access and use all or part of the Websites or benefit from the information and services offered.
Making sure information is accurate
Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on the Websites, or call us at the telephone number on the back of your prepaid card. You can also call or write to us at our telephone number or address listed in your cardholder agreement.
Safeguarding Social Security numbers
Looking out for children
We do not knowingly collect information from children under 13 without parental consent. If you are under 13, please do not enter your personal information. For more information about the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.
Changes to this notice
This Notice is subject to change. Please review it periodically. If we make changes to this Notice, we will revise the effective date at the top of this Notice. Any changes to this Notice will become effective when we post the revised notice on the Websites. Your use of the Websites following these changes means that you accept the revised notice.
To report a suspicious email that uses Bank of America's name, forward it to us immediately at email@example.com.
Fraudulent activity — report fraudulent activity on your Bank of America accounts:
- Money Network customers: 1.800.845.8683
- All other Prepaid Card customers: 1.866.213.4074
Lost or stolen Prepaid Card
- Money Network customers: 1.800.845.8683
- All other Prepaid Card customers: 1.866.213.4074
We'll cancel your card and issue a replacement immediately.
Fraud Prevention and Identity Theft
Step by Step Identity Theft Resolution
What to do if you think your identity has been stolen
Contact Bank of America immediately to close any accounts that have been tampered with or established fraudulently.
Close other accounts that you know or believe have been tampered with or opened fraudulently.
File a police report.
File your complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps the FTC gather more information about identity theft and the problems victims are having.
How to prevent fraud
Safeguard your Social Security number
Never provide your Social Security number unless you have initiated the contact and have confirmed the business or person's identity
Do not use your full or partial Social Security number as a Personal Identification Number (PIN) or a password
If you must provide your Social Security number in an email or on a Website ensure that it is encrypted, and you know how the recipient will protect it
Do not record your Social Security number on a check, traveler's check, gift certificate, etc., unless required by law
Don't carry your Social Security card and be cautious of your surroundings when disclosing your Social Security number.
Reduce the amount of mail and paper with your personal information printed on it to reduce the chance of criminals stealing it
Stop receiving paper account statements and canceled checks. View and download them online instead.
Secure your computer
Anti-spyware and anti-virus protection detects and removes viruses and spyware, which can steal vital information
A firewall prevents unauthorized users from gaining access to a computer, or monitoring transfers of information to and from the computer
Operating system and software updates, sometimes called "patches" or "service packs," should be installed as soon as possible
Using your card, your PIN and ATMs safely
The suggestions that follow offer some simple tips on protecting your card and PIN and on exercising care when using an ATM. Please review them carefully.
Protect Your ATM Card and Personal Identification Number (PIN)
Always protect your card by keeping it in a safe place. If your card is lost or stolen, contact Bank of America immediately.
Always protect your PIN. You should never give your PIN to anyone and you should never write your PIN anywhere, especially on your card. When you choose your PIN, avoid using obvious numbers such as telephone numbers, addresses, or birth dates.
Never give information about your card or PIN over the telephone. If someone is asking for this information, refuse and immediately contact Bank of America.
Protect Your Privacy
While at the ATM, enter your PIN discreetly, shield the keypad with your hand or body. After completing your transaction, be sure to put away your card, cash, and transaction record before exiting the ATM area. Count the cash later in the safety of your locked car or home.
Do not leave your transaction record at the ATM. Keep your transaction record in a safe place.
Be Aware of Your Surroundings at ATMs
Look around when you walk up to the ATM or exit the ATM. If you notice anyone or anything suspicious or that you deem unsafe, such as lighting around the ATM not working, use another ATM or return later.
When you enter or exit an ATM in an enclosed area, be sure you close the entry door completely. Do not open locked ATM vestibule doors for others or allow any unknown persons to enter the ATM area while you are making your transaction. Authorized customers should have their own access.
When you use a drive-up ATM, be sure passenger windows are closed and your doors are locked.
If you must use an ATM at night, consider taking someone with you.
The activity around Bank of America ATMs may be monitored or recorded by surveillance cameras.
Request Emergency Assistance
If you need emergency assistance, call 911 from the nearest telephone. If you have a complaint about the security of a Bank of America ATM, call our Corporate Security Department at 1.800.222.7511.
Report all crimes immediately to law enforcement officials and your local banking center.
Identity theft assistance
Bank of America is committed to helping victims of identity theft. We also offer the services of ITAC (Identity Theft Assistance Center) to help with identity theft recovery, prevention and education.
Monitor your accounts regularly
Why it's important to review activity
We recommend frequently reviewing your account activity online. Here are some benefits to consider:
Over 50 percent of all identity fraud is first discovered by the victim.
The sooner fraud is detected, the lower the financial impact.
Customers who access their accounts online detect fraud and identity crime earlier than those who rely on mailed statements.
Customers who set up email alerts receive timely notification about important activity in their accounts, which can help identify fraud quickly.
Customers who choose to receive electronic statements instead of mailed statements reduce their risk of mail fraud.
Recognize fraud and identity theft
It's important to learn how to recognize suspicious activities that may indicate possible fraud or identity theft. Fraud is an act that occurs when someone uses your account to make unauthorized purchases, usually when the account number or card has been stolen. The following may be signs of fraud:
If you did not receive an expected bill or statement by mail
If unexpected charges occurred on your account
If there are charges on your account from unrecognized vendors
On the other hand, identity theft happens when a thief steals information such as your name, birth date or Social Security number to open credit cards, mortgages and other accounts without your knowledge. The following may be signs of identity theft:
If you find new accounts on your credit report that are not yours
If you receive credit cards that you didn't apply for
If you are denied credit or are offered less than favorable credit terms for no reason
If you get calls from creditors or debt collectors regarding merchandise or services that you did not buy