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I have an eChecking acount. Are all eChecking accounts being converted to Core checking accounts? I have received no notification of this.

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I got a notice about my eChecking account several months ago.  I don't know whether they are closing all of them.

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MrVietnam said:   I have an eChecking acount. Are all eChecking accounts being converted to Core checking accounts? I have received no notification of this.
  I have "eBanking" account type showing where clicking on fee schedules now gets to https://www.bankofamerica.com/deposits/resources/personal-schedu... which has no mention of such account any more.

Says effective date Nov 7, 2014 in the link

So far fees were avoided by doing auto transfer from checking to saving and back to same once a month.

Not sure if my account is grandfathered in some way as I sure missed the notice of change if any.

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invisible said:   
MrVietnam said:   I have an eChecking acount. Are all eChecking accounts being converted to Core checking accounts? I have received no notification of this.
  I have "eBanking" account type showing where clicking on fee schedules now gets to https://www.bankofamerica.com/deposits/resources/personal-schedule-fees.go?request_locale=en-us which has no mention of such account any more.

Says effective date Nov 7, 2014 in the link

So far fees were avoided by doing auto transfer from checking to saving and back to same once a month.

Not sure if my account is grandfathered in some way as I sure missed the notice of change if any.

I opened my eBanking account years ago and under the terms of the offer at the time there were no charges at all as long as i didn't use a teller in the branch and no need to do an auto transfer from checking to savings and back once a month. I have not been charged a maintenance fee yet, but if I do I will definitely be closing that account because I use it next to never. The only good thing I will miss is getting the extra $5 each quarter for depositing the Better Balance reward into a B of A account, When I go online though my account still reads eBanking so it looks like it has not been changed over (yet) and like I said I don't remember at least receiving any notification of a change in the fee.

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Some interesting posts here, conversations with BOA since last year but lately only complaints: (warning: FB link)
https://www.facebook.com/BankofAmerica/posts/569990396388534

My ebanking account continues to show that type online as of now, unsure if billing cycle dependent or rollout is in phases for different regions

Edit: this dated document on BOA site could help someone fight the charge on account change:
http://message.bankofamerica.com/CheckingClarity/Documents/eBank...

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If the effective date was indeed November 7th the conversion didn't happen for me. My eBanking statement date is the 11th of each month and November 11th came and went and I was charged no monthly checking fee and my account still reads eBanking, so go figure. Maybe as invisible said they are spacing the rollout depending on region or something else.

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MrVietnam said:   
invisible said:   
MrVietnam said:   I have an eChecking acount. Are all eChecking accounts being converted to Core checking accounts? I have received no notification of this.
  I have "eBanking" account type showing where clicking on fee schedules now gets to https://www.bankofamerica.com/deposits/resources/personal-schedule-fees.go?request_locale=en-us which has no mention of such account any more.

Says effective date Nov 7, 2014 in the link

So far fees were avoided by doing auto transfer from checking to saving and back to same once a month.

Not sure if my account is grandfathered in some way as I sure missed the notice of change if any.

I opened my eBanking account years ago and under the terms of the offer at the time there were no charges at all as long as i didn't use a teller in the branch and no need to do an auto transfer from checking to savings and back once a month. I have not been charged a maintenance fee yet, but if I do I will definitely be closing that account because I use it next to never. The only good thing I will miss is getting the extra $5 each quarter for depositing the Better Balance reward into a B of A account, When I go online though my account still reads eBanking so it looks like it has not been changed over (yet) and like I said I don't remember at least receiving any notification of a change in the fee.

  +1 same

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Received quarterly $30 better balance deposit for two cards on 1/6/2014. It has been consistently deposited early in the month now.

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me too! today, 1/6/15. Looks like they've got it fixed and working properly now.

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I just signed up for this card at the end of October and got my first quarterly deposit of $30 for this card. I was going to transfer it back to my credit union, but noticed that BofA has a $3 ACH outgoing fee .

Just to be clear, for those who don't really bank with BofA and opened a savings account just for the extra $5, you guys just do a ACH pull from another institution to avoid the $3 fee, correct? Are there any other tricks of the trade I'm missing?

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cbodendein said:   I just signed up for this card at the end of October and got my first quarterly deposit of $30 for this card. I was going to transfer it back to my credit union, but noticed that BofA has a $3 ACH outgoing fee .

Just to be clear, for those who don't really bank with BofA and opened a savings account just for the extra $5, you guys just do a ACH pull from another institution to avoid the $3 fee, correct? Are there any other tricks of the trade I'm missing?

  I'm not sure there is any way to avoid the fee. I'm a preferred rewards client and I still have the pay the fee. Your best bet is to pull from another financial institution.

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DrForce said:   
cbodendein said:   I just signed up for this card at the end of October and got my first quarterly deposit of $30 for this card. I was going to transfer it back to my credit union, but noticed that BofA has a $3 ACH outgoing fee .

Just to be clear, for those who don't really bank with BofA and opened a savings account just for the extra $5, you guys just do a ACH pull from another institution to avoid the $3 fee, correct? Are there any other tricks of the trade I'm missing?

  I'm not sure there is any way to avoid the fee. I'm a preferred rewards client and I still have the pay the fee. Your best bet is to pull from another financial institution.

  There is bill pay, and it would not be much work to set up one bill pay and then pay $30 on that bill.

If you have a BOA credit card, you can directly transfer $30 to it with little work (and low risk of making a mistake that overdrafts your BOA account). They have some good credit cards, especially if you qualify for their Preferred Rewards status. See http://www.fatwallet.com/forums/topic_view.php?catid=52&threadid...

There are now some offers of $175 bonuses  back on some of their cash rewards cards. See http://www.fatwallet.com/forums/finance/1417215/

This is slightly less work probably than linking a bank account to it, and then doing transfers.

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Still no $30 deposit. I switched in October, but had no payment due in October. Holding my breath till the end of the month before calling.

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Years ago, I set myself up as a Checkfree merchant. So I just bill pay myself and it arrives the next day

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Called in and asked for a conversion, but was informed they no longer offer conversion to better balance rewards card. Strange. 

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petervivian said:   Called in and asked for a conversion, but was informed they no longer offer conversion to better balance rewards card. Strange. 
  conversion from what type of boa credit card?

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petervivian said:   Called in and asked for a conversion, but was informed they no longer offer conversion to better balance rewards card. Strange. 
Given that BofA has stopped issuing Better Balance Visa CC and only issues Better Balance Mastercard CC, the conversion is not possible anymore since Mastercard network has unique CC numbering scheme and cannot share a CC number with Visa network (http://en.wikipedia.org/wiki/Credit_card#Credit_card_numbering). I just went through this and I am allowed to keep my 3-2-1 Visa and am given a new Better Balance MC.

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So it looks like you are SOL if you convert and don't have a payment due in the 1st month or prior to the conversion. I am still fighting BOA of but not getting anywhere. It appeared they mailed the card out the day before my September statement cut, and I didn't have a payment due for October. They support has been unwilling to help. Any recommendations on escalating? Anyone else run into this?

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lonestarguy said:   So it looks like you are SOL if you convert and don't have a payment due in the 1st month or prior to the conversion. I am still fighting BOA of but not getting anywhere. It appeared they mailed the card out the day before my September statement cut, and I didn't have a payment due for October. They support has been unwilling to help. Any recommendations on escalating? Anyone else run into this?
 

You should only have needed to make a "charge" for October, not a payment.  ?? 

My conversion began 10/05/13.  It took a few weeks to receive the card, then I was able to get a purchase made on 10/29/13.
I then made a couple small charges Nov & Dec, and got the first bonus 01/09/14.  My cycle date is always the 16th/17th,
but that appears to be irreverent to the bonus criteria, which is just the three calendar months of each quarter.  Sound right?

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My conversion began the second week of September, got the card at the end of September. Made some charges in October which generates a bill due in November. They claim w/o a balance due in Oct I am not eligible. Perhaps my issue was I converted in Q2. I am not a happy camper.

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lonestarguy said:   So it looks like you are SOL if you convert and don't have a payment due in the 1st month or prior to the conversion. I am still fighting BOA of but not getting anywhere. It appeared they mailed the card out the day before my September statement cut, and I didn't have a payment due for October. They support has been unwilling to help. Any recommendations on escalating? Anyone else run into this?
  
That's covered earlier in the thread. Conversions in the middle of a quarter are treated differently than new accounts in the middle of a quarter.  I ran into the same issue in 2013.

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My first quarter rewards posted today.

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NEDeals said:   My first quarter rewards posted today.
  +1 - Thanks for the heads-up!
 

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Woo-hoo. I got mine this time.

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BenH said:   Well that is not a bonus at all - why trade in a finance charge for a CB bonus?
This is the opposite of that - they are giving you a bonus for paying off MORE of the balance.

The former promotes bad charging habits, this one actually promotes more responsible behavior.

xoneinax said:   AMEX Green Cash had a similar Cash Back bonus if one did not completely pay off the card

  how i miss that deal!
  if you carry even 1 day of finance charge they will give you bonus rebate based on the ENTIRE balance of the month. so you spend like crazy and carry one day of interest charges!

 

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Got mine too.

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FWFFan said:   
BenH said:   Well that is not a bonus at all - why trade in a finance charge for a CB bonus?
This is the opposite of that - they are giving you a bonus for paying off MORE of the balance.

The former promotes bad charging habits, this one actually promotes more responsible behavior.

xoneinax said:   AMEX Green Cash had a similar Cash Back bonus if one did not completely pay off the card

  how i miss that deal!
  if you carry even 1 day of finance charge they will give you bonus rebate based on the ENTIRE balance of the month. so you spend like crazy and carry one day of interest charges!
what deal  are u referring to ? What card gives u a bonus rebate for getting a finance charge?
 

  

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