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Program Terms of Use



Acceptance of Terms and Conditions

The Bank of America® Add It Up® Program ("Add It Up") offers you the ability to earn cash back on purchases made at participating Retailers ("Add It Up cash").  Add It Up and the services offered with it (the "Service") are owned and operated by Bank of America Corporation (also referred to as "Bank of America", "we", "us", or "our"). The Service is provided to you pursuant to these terms and conditions and any operating rules or policies that may be published by Bank of America (including the Privacy Policy), as may be amended from time to time (the "Agreements"). BY USING THE SERVICE, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS CONTAINED IN THE AGREEMENTS.

User Responsibilities
By Consenting to the Agreements, you agree:

  1. To represent only yourself on the Service, and no other persons, living, dead, or imagined; the Service may only be used by natural persons (i.e., individuals) on their own behalf and not by or on behalf of any commercial entity unless explicitly permitted by Bank of America;
  2. To provide accurate information to Bank of America, including, but not limited to information required to register with the Service; and
  3. To not use the Service to: reproduce, duplicate, copy, sell, resell, distribute, publish or exploit for any commercial purpose the software, products, or services provided by Bank of America or obtained through the Service without obtaining the express, prior written consent of Bank of America. This restriction includes any attempt to incorporate any information from the Service into any other directory, product, or service.
Enrollment in the Add It Up Program and Eligibility
  1. To be eligible to participate in Add It Up, you must have either an eligible Bank of America debit card linked to a Bank of America deposit account, or an eligible Bank of America credit card and be enrolled into the Online Banking service ("OLB") from Bank of America.
  2. Access to Add It Up is via OLB. You must use your OLB Login ID and Passcode to sign in, and then register your eligible debit cards and credit cards by reviewing and accepting the Terms and Conditions and then click the "Submit" button. All of your eligible cards connected to your OLB profile will automatically be registered however; cards that are linked to two different Online Banking User ID profiles (such as jointly owned credit cards) are only eligible to be registered once. Please note that debit cards that are linked to a jointly owned checking account will often have different Online Banking User Profiles and the owner of each debit card must register and enroll their eligible debit cards through their unique Online Banking User ID and Password. Small Business debit card holders need to register using their Small Business Online Banking User ID and password.
  3. Once you have registered your eligible cards*, you must select in which deposit account or credit card account you would like your Add It Up cash deposited (your "Designated Account").  This choice is available to you the first time you register for the program and you can always change your selection by accessing the My Profile tab on the website.  (The first time you register, there will be an account auto-populated that will be the default account to receive your Add It Up cash unless you select another account from the drop down box.)
    * please refer to points #5-#8 for eligibility guidelines.
  4. There are no fees to enroll in Add It Up.
  5. Select Military Bank customers whose accounts were opened prior to June 18, 2008 are not eligible to participate in Add It Up.
  6. Please review the list of enrolled cards in your Add It Up My Profile section for current eligibility status.
  7. Temporary debit cards are eligible for the program. You must access the Add It Up website and enroll temporary debit cards in order to receive Add It Up cash and discounts on these cards.
  8. The following Bank customers with only these card and account types are not eligible to participate or register in Add It Up. This list is subject to change without prior notice:
    • AAA credit cards
    • Auto Club Southern California credit cards
    • Hawaiian Airlines® credit cards
    • LL Bean® credit cards(Former)
    • Small Business credit cards
    • Alaska Airlines credit and debit cards
    • Mercedes (Former)
    • Merrill Lynch credit card and cash management debit card accounts (except Merrill Accolades® American Express® Card.)
    • ATM only cards
    • Credit Purchasing Card - (P-Card), Travel/Corporate Card, Fleet Card
    • Prepaid Payroll & Incentive Card
    • All Healthcare products - HSA/FSA Health Reimbursement/Flexible Spending
    • HELOC - Home Equity Line of Credit
  9. To qualify for online cash back and discounts, you must shop through the Add It Up website and use a card that is registered in the Add It Up program to make the purchase.
  10. To qualify for in-store cash back and discounts, you must use a card that is registered in the Add It Up program to make the purchase. Please note that retailers that have online offers on the Add It Up website may or may not have in-store offers. The current list of participating in-store retailers and offers is listed on the Add It Up website and is subject to change.
  11. 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. Offers available through the Add It Up® program may not be combined with any other coupon, promotion code or special incentive program.

Privacy
As part of the Service registration process, you will provide certain personal information to Bank of America. Your personal information will only be used in accordance with Bank of America Privacy Policy.  Bank of America reserves the right to inform you by email of changes or additions to the Service or of any Bank of America related products and services.

We remind participants of the Add It Up program that Retailers ("Participating Retailers" or "Retailers") participating in the Add It Up program operate their online websites with different privacy practices. We want to caution our visitors and remind you that you should review each Retailer's website privacy policy, as we have no control over information that is submitted by you to these third parties. Participating Retailers may collect additional information to ensure your Add It Up cash is tracked and reported through the use of cookies. We have no access or controls over the usage of these cookies or the collection and dissemination of additional information collected by the Retailer.

Personalized Offers and Promotions from Participating Retailers
Add It Up offers various promotions from third-party Retailers to earn Add It Up cash as a portion of the purchase price of the merchandise that is subject to the offer. Participating Retailers and offers are subject to change without prior notice. From time to time Retailers will feature special offers. Please review the Add It Up website to view all promotion details and dates.

For Online Purchases Made Through the Add It Up Website
Please refer to each Retailer's website for all terms and conditions relating to the purchase, including but not limited to, guarantees, warranties, payment terms, shipping, delivery, taxes, return policies and processing of returns. We make no warranties and disclaim responsibility for fulfillment of the transaction between you and a participating Retailer.
Online offers are applied to the purchase price only. Tax and shipping costs are not eligible for awards. Refer to each individual offer for details.

Keep in mind, to receive Add It Up cash for a qualified purchase made with a Retailer, you must use a web browser with the option to accept cookies turned on. If your web browser blocks cookies, we may not be able to award the Add It Up cash for your qualifying purchase with a Retailer. For more information on the use of cookies read the section in Terms & Conditions, titled "Retailer and Network Cookies."

To ensure you earn your cash back award you must only click through to the retailer's website from the Add It Up website (the "Site") and not leave the Site or open up other browser windows until your purchase is complete.

Do not place any items in your shopping cart until you have clicked from the Add It Up website. Items placed in your cart prior to this activity may not be tracked properly, and you may not receive cash back on your purchase. Do not use coupons not found on the AIU site. If you make any changes to your online purchase, either over the phone or at the time of in-store pick up, your order will not be credited to the Add It Up program.

Qualifying Online Purchases
To earn and ensure receipt of your Add It Up cash for your online purchases
you must:

  1. Be logged into Add It Up website; 
  2. Use only valid links within Add It Up website to enter a Participating Retailer's website. Add selected items into your shopping cart to complete your transactions within any session generated when clicking a valid link.
  3. NOT purchase any items specifically excluded by the Participating Retailer, as identified in the Retailer exclusions; and
  4. Use only coupons or promotion codes located in the Add It up website.
  5. If you make any changes to your online purchase, either over the phone or at the time of in-store pick-up, your order will not be credited to the Add It Up program.
  6. 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 done over the phone will not be eligible to earn cash back.

Please note that offers may not include taxes, shipping or other fees.  See specific offer for details.
For some offers, such as free shipping, you may need to enter a coupon code at check out to receive the offer.  Offer details will specify if a coupon code is needed.

Retailer and Network Cookies
As part of the shopping process it is necessary for us to be able to track your purchases in order to successfully apply Add It Up cash for qualifying purchases on the Add It Up website. This tracking function is performed using cookies both from our affiliate networks and from many of the Retailers in the Add It Up website. Using cookies is a required step in order for you to successfully shop and receive Add It Up cash for your transactions.

If you make online purchases at participating Retailers by going directly to the Retailer's website rather than going through the Add It Up website, you will not earn any Add It Up cash.

For Purchases Made In-Store at Participating Retailers
Please refer to the Add It Up website for all terms and conditions relating to the Retailer transaction, rewards eligibility guidelines, including but not limited to, eligible merchandise rules, guarantees, warranties, payment terms, shipping, delivery, taxes, return policies and processing of returns.  We make no warranties and disclaim responsibility for fulfillment of the transaction between you and a participating Retailer.

For some in-store offers, tax costs are not eligible for awards. Some in-store offers will require a coupon, which can be printed from the Add It Up website. Some offers are available only via phone. Refer to each individual offer for details.

If you choose to withdraw cash over and above the purchase amount from your deposit account at the time of check out at Participating Retailers on a qualifying debit card transaction, you will not receive the Retailer offer on the cash withdrawal amount.  

Purchases that are similar to cash, such as money orders and gift cards may or may not qualify for an offer and will vary by each Retailer's rules. 

Promotional/Personalized Cash back Offers
From time to time, we may extend you unique offers. These offers are subject to change. Please see program website for exact terms and conditions of these offers.

Viewing Eligible Cards and the Designated Account
All of your eligible cards, which are cards that are linked to your unique Online Banking User Profile, are viewable in the My Profile section of the Add It Up website. Please note that debit cards that are linked to a jointly owned checking account will often have different Online Banking User Profiles and the owner of each debit card must register and enroll their eligible debit cards through their unique Online Banking User ID and Password.      

For eligible small business debit cards registered in the program, all cards will appear in the Online Banking Profile of the individual who owns the checking account. All earnings made on any of the debit cards are paid out to an account that belongs to the checking account owner.

When you select an eligible credit card account as your Designated Account, the credit will be applied to your account as a retail credit adjustment. Any retail charges related to Add It Up will post in accordance with the service provider's policy and your Credit Card Agreement. Statement credits are not posted as payments. You must continue to make your minimum monthly payment shown on your billing statement.

Your Designated Account must be open to receive Add It Up cash payments. If your Designated Account is closed, but you have other open enrolled cards/accounts, Bank of America reserves the right to select an alternative Designated Account for you.  Bank of America will send you a service email communicating this change in Designated Accounts and you can go on the Add It Up website to update or change your Designated Account. If all of your eligible enrolled cards/accounts are closed by you or Bank of America, you forfeit any Add It Up cash payments that you have not been awarded yet.  If you unenroll in Add It Up by selecting the "Cancel My Enrollment", you forfeit any Add It Up cash payments that have not been awarded yet.

Add It Up Cash Calculation
You can view the current status of your Transaction History on the Add It Up website. Typically, all transactions that are eligible for Add It Up cash will show up on the Add It Up website within approximately 20 days after the transaction posts to your account but sometimes it may take longer based on merchant processing speed of transactions. Participating Retailers fund Add It Up cash and it will typically take from 30 to 90 days after the transaction date for the Participating Retailer to recognize Add It Up cash and only then will your earnings change from a Pending status to a Confirmed status.  The cash back earnings will then be eligible to be paid out to your Designated Account.  If a Participating Retailer goes bankrupt or for any other reason defaults on payment of Add It Up cash, you will not receive Add It Up cash for those transactions.

Add It Up cash will be paid out on a monthly basis, typically on or around the 25th of each month and will consist of all eligible Add It Up transactions that went from a Pending to Confirmed status. If the 25th falls on a holiday or weekend, the payment may post on the first business day following the 25th.  Payments to checking accounts will be in the form of an ACH.  Payments to credit card accounts will be in the form of a statement credit.   You must earn an Award of at least $5.00 on all your registered eligible cards to receive a payment. Earnings under $5.00 will be carried over until the $5.00 minimum is reached, after which time the payment will post to your account on the following monthly payment date.   

It is your responsibility to check your account regularly to ensure that Add It Up cash earnings have been properly credited and that your account balance is accurate. You have 120 days from the purchase date to alert customer service (1-866-522-3248) of the missing or incorrect Add It Up cash. 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. All Add It Up cash payments are subject to review. Necessary adjustments may be applied to Add It Up accounts at any time by Bank of America at its sole discretion.

Return Policy
All returns must be made through the Retailer. Bank of America is not responsible for any returns and all questions about purchases or returns should be directed to the Retailer.

Add It Up cash earned on returned merchandise will be debited from your Add It Up account and will be reflected in the next month's Add It Up cash payment. You will receive no further Add It Up cash payments until your Add It Up account has a positive balance and meets the $5 payout threshold.

Your Registration Obligations
You are solely responsible for your connection to the Add It Up website, including but not limited to the equipment you utilize to access the Add It Up website (such as your computer or modem), the communications services you use to connect to Add It Up website (such as your Internet service provider), and any fees associated with your Internet connection. The Add It Up website is subject to operational difficulties. Please note that your particular computer/equipment/software may prohibit access.

Certain features or services offered on or through the Add It Up website require that you become a registered user and establish an online profile on the Add It Up website. You are responsible for maintaining the confidentiality of your online profile information and for any and all activity that occurs with respect to your online profile. You agree to notify us immediately of any unauthorized use of your online profile, or any other breach of security. Regardless of when you notify us, you may be liable for losses incurred by us or any other user of or visitor to Add It Up website as a consequence of the use of your online profile by someone else.

You may not use anyone's online profile at any time without the express permission and consent of the holder of that online profile. You agree that we are not liable for any loss or damage arising from your failure to comply with these obligations.

By participating in Add It Up, you agree NOT to:

  1. Upload, submit, email, transmit or otherwise make available any material that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, harmful to minors, or racially, ethnically, or otherwise objectionable;
  2. Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  3. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any material transmitted through or submitted to Add It Up website;
  4. Upload, submit, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  5. Interfere with or disrupt the Add It Up website in any way, or not meet any requirements, procedures, policies or regulations of networks connected to Add It Up website;
  6. Violate any applicable local, state, national or international law; OR
  7. Forward any linked offers or other information found on this website to anyone else.

You also agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Site, use of the Site, or access to the Site.

Add It Up Customer Service
Customer Service questions should be directed to 1-866-522-3248.

Links to Other Websites
You will find advertising or other content on the Add It Up website that link to the Website and service of other businesses, including our Retailers, advertisers, sponsors, licensors and other third parties ("Linked Sites"). We do not control these Linked Sites and we make no representations about any content, products, or services available at these Linked Sites. Such Linked Sites may have different privacy, security, and accessibility standards and we urge you to be mindful of the terms of service and privacy and security policies that may apply to the Linked Site before you use the Linked Site. Providing a link to a Linked Site shall not be construed as an endorsement, approval, authorization, sponsorship, or affiliation by us with respect to such Linked Site, its owners, or its providers. We are not responsible or liable for the accuracy, content, advertising or authenticity of the information or content contained in any such Linked Site, or for any products, services, or other materials on or available from such Linked Sites or resources. Should you decide to access any Linked Site through the Site, you do so at your own risk.

Limited Liability
Bank of America is not is not liable for issues associated with the merchandise purchased through Add It Up.

Disclaimer of Warranties
WE DO NOT GUARANTEE THAT ADD IT UP OR ANY CONTENT, SERVICE OR FEATURE OF ADD IT UP WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF ADD IT UP WILL PROVIDE SPECIFIC RESULTS. ADD IT UP AND ITS CONTENT ARE DELIVERED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. ALL INFORMATION PROVIDED ON ADD IT UP IS SUBJECT TO CHANGE WITHOUT NOTICE. WE CANNOT ENSURE THAT ANY FILES OR OTHER DATA YOU DOWNLOAD FROM ADD IT UP WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, RETAILERABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DISCLAIM ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF ADD IT UP. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF ADD IT UP AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST US FOR DISSATISFACTION WITH ADD IT UP OR ANY CONTENT IS TO STOP USING ADD IT UP OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action.

We reserve the right to do any of the following, at any time, without notice:

  1. To modify, suspend or terminate operation of or access to Add It Up, or any portion of Add It Up, for any reason at any time without prior notice;
  2. To modify or change Add It Up, or any portion of Add It Up, and any applicable policies or terms; AND
  3. To interrupt the operation of Add It Up or any portion of Add It Up, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

EXCEPT WHERE PROHIBITED BY LAW, IN NO EVENT WILL WE BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

INDEMNITY
You agree to indemnify and hold us and our officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys' fees), made against us by any third party due to or arising out of or in connection with your use of Add It Up.

American Express is a registered service mark of American Express and is used by the issuer pursuant to a license. Add It Up, Merrill Accolades, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with Add It Up program.

Add It Up is operated by The DataBase Group.