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Frequently Asked Questions

Customer service
Add It Up® program ending
Cash back essentials
Tracking your cash back
Offers
Managing your profile
Privacy

Customer service
What is the phone number for Customer Service?
You can reach customer service at 1.866.522.3248, Mon-Fri 10 a.m. to 8 p.m. ET and Sat-Sun 10 a.m. to 5 p.m. ET. Closed holidays.
What if these FAQs don't answer my questions?
If our FAQs do not address your concern, please contact our Customer Service representatives at 1.866.522.3248, Mon-Fri 10 a.m. to 8 p.m. ET and Sat-Sun 10 a.m. to 5 p.m. ET. Closed holidays.
Add It Up® program ending
Why did you stop registrations for the Add It Up® program?
Bank of America has made a business decision to discontinue all registrations for the program in order to ensure that any new transactions are processed in a timely manner. If you are looking for additional cash back offers that may be available to you as a Bank of America customer, please feel free to visit www.bankofamerica.com to see other options you may have.
When will the Add It Up® program end?
The Add It Up® program will end in June 2014.
How do I ensure that I receive all of my cash back before the program ends?
Be sure to login to Add It Up and verify that your registered account(s) are valid.
What happens to my pending cash back if I do not have any Bank of America accounts registered in Add It Up by June 2014?
Your cash back will be forfeited.
When will I receive any of my pending cash back?
You will receive all cash back from your Add It Up transactions by August 1, 2014.
What if I have less than $5.00 pending in Add It Up® cash back?
All cash back will be paid by August 1, 2014 including amounts less than $5.00, as long as you have a valid Bank of America account registered in your Add It Up profile.
What is BankAmeriDeals®?
BankAmeriDeals® puts cash back deals right on your eligible Bank of America credit and debit cards. Simply view your cash back deals in Online Banking and choose the stores and restaurants that you like. Shop and dine as you normally do using your credit or debit card, and get cash back credited to your account the following month.
How do I learn more about BankAmeriDeals?
Visit www.bankofameria.com/deals or sign in to Online or Mobile Banking and visit the Cash Back Deals Tab to learn more about BankAmeriDeals.
Program Information
What do I need to be eligible for the Add It Up® program?
You need to have either a Bank of America® debit card or credit card and be enrolled in Online Banking. See Program Terms of Use for full eligibility guidelines.
I am not a Bank of America® customer.
You must be a Bank of America® Online Banking customer with an eligible Bank of America credit or debit card to take advantage of the Add It Up® program.

Select one of the application links provided below to apply for a credit card account or open a checking account with an optional debit card. Once you receive your card, enroll in Online banking. For ineligible card types, review the Add It Up Program Terms of Use.
How do I enroll in Online Banking?
Go to bankofamerica.com/onlinebanking for more information.
How do I cancel my Add It Up® enrollment?
Go to My Profile and click the Cancel my enrollment button at the bottom of the page.
I'm a Military Bank customer. Am I eligible for this program?
Unfortunately, select Military Bank customers whose accounts were opened prior to June 18, 2008 cannot participate.
Why am I not able to register all my credit and debit cards in this program?
Card eligibility
Some cards, especially affinity products, are not eligible for this program. See Program Terms of Use for full card eligibility guidelines. If your card is not eligible, it will not display as an option to register in this program.

You may only register debit cards that are linked to your unique Online Banking ID.
The cards you see in My Profile are all the Bank of America cards that are linked to your unique Online Banking User ID profile. Cards that are linked to two different Online Banking User ID profiles (such as jointly owned credit cards) may only be registered once.

Joint checking accounts
Please note that each debit card that is linked to a jointly owned checking account will often have a different Online Banking User Profile and the owner of each debit card (name of person embossed on the card) must register and enroll their eligible debit cards through their unique Online Banking User ID and Password.

Credit Cards
Credit cards that are linked to two different Online Banking User ID profiles (such as jointly owned credit cards) may only be registered once.

Temporary debit cards
If you have a temporary debit card, the last 4 digits of your permanent debit card number may be displaying.

ATM cards
ATM cards are not eligible for this program.
Cash back essentials
How do I earn Add It Up® cash back?
Once registered, you earn cash back by following these simple steps:

Online Offers
  1. Sign in to the Add It Up® website and click an offer to link to a participating retailer's website.
  2. Shop as you normally would on the retailer's website.
  3. Pay with a card you registered in the Add It Up program.
In Store Offers
  1. Sign in to the Add It Up® website and browse the In Store Offers section to view the latest cash back offers and when applicable, which retail locations are participating.
  2. Shop at the retailer's participating store(s) or call them.
  3. Pay with a card you registered in the Add It Up program.
Where can I earn Add It Up® cash back?
Hundreds of retailers participate in the Add It Up® program. Once registered, sign in and browse the offers on the Add It Up website to begin shopping.
How often will I receive cash back awards?
Add It Up® cash back is paid out on a monthly basis, typically on or around the 25th of each month.

Please Note: The program has a minimum payout threshold of $5.00. If your earnings eligible for payout are below $5.00, your earnings will continue to roll over until you reach $5.00 and then your earnings will be paid out.

The $5.00 minimum payout threshold is a calculation on all your Add It Up cash back awards you earned on all of your eligible registered cards that show in the My Profile section in the Add It Up website. Earnings made on other debit cards or credit cards that do not appear in your profile but in another profile - for example, a spouse's profile - are calculated separately.
How do I receive cash back I have earned?
We credit cash back to the eligible account of your choice. You select your cash back account when you regsiter for the Add It Up® program. Once registered, you can update My Profile to change your cash back account any time.
How long does it take to get my cash back rewards?
It can take up to 90-120 days for cash back awards to be credited to your account. Why? Participating retailers must first confirm your purchase and typically they have up to 90 days from the purchase date to reverse a transaction for return purposes. During this time, your award will have a Pending status on the My Awards page.

Once confirmed, Pending awards will advance to Confirmed status. Confirmed awards are ready to be paid at the next monthly awards process date, on or about the 25th of a month.
What prevents me from earning cash back?
The following are the most common reasons that will PREVENT you from earning cash back:
  • Not signing in to the Add It Up® website to begin your online shopping.
  • Going directly to the retailer's website to shop, rather than linking from an Add It Up offer page.
  • Placing items in your shopping cart on the retailer's website prior to clicking through the Add It Up website.
  • While shopping on the retailer's website, opening up other browser windows before your purchase is complete.
  • Leaving the retailer's website for another website, before your online purchase is complete.
  • Paying for your purchase with a card that is not registered in the Add It Up program.
  • Using a coupon or promotional code not located on the Add It Up® website, either from the retailer or from a third party. Offers available through the Add It Up® program may not be combined with any other third party coupon, promotion code or special incentive program.
  • Purchasing items specifically excluded by the Participating Retailer as outlined in the retailers exclusions located on the retailers offer page.
  • If you return an item and wish to replace it, you must go back through the Add It Up site to the retailer to make the replacement purchase. Exchanges and/or any changes to your online purchase done over the phone or at the time of in-store pick will not be eligible to earn cash back.
Can I shop directly at the retailer's website and still earn cash back?
No. To earn online cash back, the following must occur in this order:
  1. Sign in to the Add It Up® website.
  2. Click an offer and link to a participating retailer's website.
  3. Shop on the retailer's website and pay with a card you registered in the Add It Up program.
Accessing the retailer's website directly, without starting from the Add It Up website, will prevent you from earning cash back.
Tracking your cash back
Why isn't the purchase I made showing up in My Awards?
Purchase information comes to us from participating retailers so it takes some time to process. Depending on retailer processing speed, cash-back eligible transactions can take approximately 20 days from the transaction post date to appear on the My Awards page.

If after 30 days you do not see your qualifying transaction in a pending status on your My Awards page, please contact customer service at 1.866.522.3248, Mon-Fri 10 a.m. to 8 p.m. ET and Sat-Sun 10 a.m. to 5 p.m. ET. Closed holidays. Please have the following information available: retailer name, retailer order ID, date of purchase and net amount of purchase.

Note: It takes up to 5 days from your Add It Up® registration date to be eligible to receive in store cash back awards. If you make an in store purchase before that time, your purchase will not be eligible for cash back earnings. When you are eligible to earn in store cash back, we send a message to your Add It Up Messages inbox.
What do Pending and Confirmed status mean?
Pending: Participating retailers must first confirm your purchase and typically they have up to 90 days from the purchase date to reverse a transaction for return purposes. During this time, your award will have a Pending status.

Confirmed: Once the retailer has confirmed your purchase, Pending awards will advance to Confirmed status. Confirmed awards are ready to be paid at the next monthly awards process date, on or about the 25th of a month.
Why is my cash back still showing as Pending?
Retailers typically have up to 90 days from the date of purchase to reverse a transaction for return purposes. During this time your cash back status will show in Pending status. Once the retailer has confirmed your qualifying purchase, then your earnings will change from Pending to Confirmed status. Only cash back awards with a Confirmed status are eligible to be paid out to your account.

If your earnings have remained in Pending status for more than 120 days, please contact customer service at 1.866.522.3248, Mon-Fri 10 a.m. to 8 p.m. ET and Sat-Sun 10 a.m. to 5 p.m. ET. Closed holidays.
How often will I receive cash back awards?
Add It Up® cash back is paid out on a monthly basis typically on or around the 25th of each month.

Please Note: The program has a minimum payout threshold of $5.00. If your earnings eligible for payout are below $5.00, your earnings will continue to roll over until you reach $5.00 and then your earnings will be paid out.

The $5.00 minimum payout threshold is a calculation on all your Add It Up cash back awards you earned on all of your eligible registered cards that show in the My Profile section in the Add It Up website. Earnings made on other debit cards or credit cards that do not appear in your profile but in another profile - for example, a spouse's profile - are calculated separately.
What does a negative amount on My Awards mean?
Cash back awards earned on returned merchandise will be reversed from your Add It Up account and will be reflected in the next month's cash back payout. You will receive no further Add It Up payouts until your Add It Up account has a positive balance and meets the $5.00 payout threshold.
Why do I see two Add It Up® credits on my checking account statement?
If you have a joint checking account, there may be multiple credits for the Add It Up® program depending on whether each account owner registered their unique debit card for the program and selected the same checking account to credit earnings to.
Why wasn't my "Next Cash Back Payment" amount credited to my account this month?
Add It Up® cash back is paid out on a monthly basis, usually on or around the 25th of each month. The program has a minimum payout threshold of $5.00. If your earnings eligible for payout are below $5.00, your earnings will continue to roll over until you reach $5.00 and then your earnings will be paid out.

Please note that the $5.00 minimum payout threshold is a calculation on all your Add It Up cash back awards you earned on all of your eligible registered cards that show in the My Profile section in the Add It Up website. Earnings made on other debit cards or credit cards that do not appear in your profile but, for example, a spouse's profile - are calculated separately.
Why doesn't the cash back award I received match the cash back offer amount listed on the Add It Up® site?
A few things could have occurred:
  • To earn cash back, you must first sign in to the Add It Up® website and click an offer to link to a participating retailer's website. Accessing the retailer's website directly, without starting from the Add It Up website, will prevent you from earning cash back.
  • Each offer may have retailer-specified Terms and Conditions or Exclusions and your purchase may not have met the cash-back eligibility criteria. When an offer has Terms and Conditions and/or Exclusions, we provide that information on the Retailer's offer page.
  • Offers are subject to change, so the retailer's cash back offer may have changed from when you made the purchase and when you viewed the offer on our site.
Why isn't the total amount of my purchase eligible for cash back earnings?
  • Some offers are only applied to the price of goods or services purchased and are not applied to taxes, shipping or other fees. When an offer has Terms and Conditions and/or Exclusions, we provide that information on the retailer's offer page.
  • Any cash amount you choose to withdraw over the purchase amount on a debit card transaction is not eligible for a cash back award.
  • Gift cards may not be eligible for cash back awards and you should check the specific offer's terms.
  • If it is an online offer and there is a coupon code required for the offer, you must use that code at time of check out. If a coupon code is required, it will be clearly stated on the offer details.
What if I see a problem when reviewing My Awards?
If our FAQs do not address your concern, please contact our Customer Service representatives at 1.866.522.3248, Mon-Fri 10 a.m. to 8 p.m. ET and Sat-Sun 10 a.m. to 5 p.m. ET. Closed holidays.
Offers
What is the difference between cash back and coupon offers?
You earn Add It Up® cash back by shopping through the Add It Up program and using your registered Bank of America credit or debit card to pay for the purchase. Retailers periodically offer coupons or discounts on the Add It Up website in addition to their cash back offer.

  • Cash back earnings are not received at the time of purchase - cash back is accrued and credited to your selected account.
    The Add It Up program tracks your earnings as they accrue over time and then credits your cash back to the credit card or checking account you selected at registration. You can update this account any time in the My Profile section.
  • If your purchase qualifies for a retailer's coupon or discount, these savings are received from the retailer, usually at checkout.
    Please note that retailer coupons or discounts advertised on the Add It Up website may require you to enter a code during the online checkout process or provide a printed coupon at the register. Please review the details for each offer listed under the Additional Savings section on a retailer's Add It Up offer page.
  • You can combine the cash back offer and coupon or discount savings.
    If your purchase qualifies for the retailer's Add It Up coupon offer, you will receive those savings in addition to cash back by clicking the button that goes with the coupon offer to begin shopping on the retailer's website. If the retailer provides one, be sure to enter any specific promotion code as directed.

    If your purchase does not qualify for the coupon or discount, you may still earn cash back by clicking the Start Shopping button that goes with the cash back offer.
How can I find out when new retailers are added to the Add It Up® website?
We are constantly adding new retailers to the Add It Up® program, and our retailer provider list is subject to change. To keep up to date on the latest changes, check the website frequently.
Can I combine the Add It Up® cash back offer with any sales or discounts the retailer is providing?
As long as you shop through the Add It Up® website, you can take advantage of the Add It Up cash back offer in addition to any generic retailer sales as well as any promotion that the retailer is offering through their website that requires a coupon or promotional code. Only one coupon or promotional code may be used at a time.

Note: If you use a coupon or promotional code not located on the Add It Up website, either from the retailer or from a third party, you may not be eligible for the Add It Up offer.
When a participating retailer has a cash back offer and a coupon offer on the Add It Up® site, do I have to choose between them or do I get both?
You can take advantage of both. To receive a retailer's Add It Up® coupon offer in addition to cash back, click the button that goes with the coupon offer to begin shopping on the retailer's website. If the retailer provides one, be sure to enter any specific promotion code as directed.

Note: Offers available through the Add It Up program may not be combined with any other coupon, promotion code or special incentive program. If you use a coupon or promotional code not located on the Add It Up website, either from the retailer or from a third party, you may not be eligible for the Add It Up offer.
Where is the offer I saw recently? I can't find it.
The retailer network and offers are subject to change at any time.
Why did a friend or family member receive a different offer than I did?
We often present cash back or other offers based on each individual customer's shopping preferences.
My Online Banking session timed out while I was making an Add It Up® purchase. Will I still get my cash back for that purchase?
Yes. While we do time out your Online Banking session for security purposes, your purchase is actually completed on the retailer's website. As long as you've met the eligibility criteria for the Add It Up offer, you will receive your cash back.
Managing your profile
How do I change my registered email address?
Go to My Profile and enter the new email address. Click Update My Information to save your changes.
Why I am not able to register all my credit and debit cards in this program?
Card eligibility
Some cards, especially those provided in connection with certain third-party partners, are not eligible for this program. See Program Terms of Use for full card eligibility guidelines. If your card is not eligible, it will not display as an option to register in this program.

You may only register debit cards that are linked to your unique Online Banking ID.
The cards you see in My Profile are all the Bank of America cards that are linked to your unique Online Banking User ID profile. Cards that are linked to two different Online Banking User ID profiles (such as jointly owned credit cards) may only be registered once.

Joint checking accounts
Please note that each debit card that is linked to a jointly owned checking account will often have a different Online Banking User Profile and the owner of each debit card (name of person embossed on the card) must register and enroll their eligible debit cards through their unique Online Banking User ID and Password.

Credit Cards
Credit cards that are linked to two different Online Banking User ID profiles (such as jointly owned credit cards) may only be registered once.

Temporary debit cards
If you have a temporary debit card, the last 4 digits of your permanent debit card number may be displaying.

ATM cards
ATM cards are not eligible for this program.
How do I sign up for Offer Update emails?
In the My Profile section, select the Preferences tab. Check the box in the Offer Updates section to subscribe. Click Update Preferences to save your changes.
How do I stop receiving Offer Update emails?
In the My Profile section, select the Preferences tab. Deselect the check box in the Offer Updates section to unsubscribe. Click Update Preferences to save your changes.

You may also unsubscribe directly from the email. Click the unsubscribe link provided in the email and follow the instructions provided.
How do I set up email reminders for special dates like birthdays or anniversaries?
In the My Profile section, select the Preferences tab. Check the box in the Reminders section to subscribe. Create a name and date for your reminder(s), then click Update Preferences to save your changes.
When do I get my reminder emails?
You will receive your reminder email approximately 10 to 14 days prior to the date you selected when you created the reminder.
Privacy
How is my personal information used?
The personal information you provide will only be used to service your Add It Up® account as you have defined it in the My Profile section, further defined in the Program Terms of Use. Keeping your information secure is one of our most important responsibilities. Learn more about Privacy & Security.
Sign in using your Online Banking ID.

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Add It Up®
Customer Service

1.866.522.3248
Mon-Fri 10 a.m. to 8 p.m. ET
Sat-Sun 10 a.m. to 5 p.m. ET
Closed holidays.