P.O.
Box 15284
Wilmington, DE 19850
Customer service information
1.888.BUSINESS (1.888.287.4637)
bankofamerica.com
IBARRA-TORRES INC.
Bank of America, N.A.
7124 S 86TH CT
P.O. Box 25118
JUSTICE, IL 60458-1152 Tampa, FL 33622-5118
Please see the Important Messages - Please Read section of your statement for important details that could impact you.
Your Business Fundamentals Checking
for February 1, 2021 to February 28, 2021 Account number: 2910 1942 9494
IBARRA-TORRES INC.
Account summary
Beginning balance on February 1, 2021 $2,962.82 # of deposits/credits: 4
Deposits and other credits 2,782.13 # of withdrawals/debits: 29
Withdrawals and other debits -4,984.43 # of items-previous cycle¹: 2
Checks -150.00 # of days in cycle: 28
Service fees -16.50 Average ledger balance: $1,069.92
Ending balance on February 28, 2021 $594.02 ¹Includes checks paid,deposited items&other debits
PULL: E CYCLE: 54 SPEC: E DELIVERY: E TYPE: IMAGE: I BC: IL Page 1 of 10
IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
IMPORTANT INFORMATION:
BANK DEPOSIT ACCOUNTS
How to Contact Us - You may call us at the telephone number listed on the front of this statement.
Updating your contact information - We encourage you to keep your contact information up-to-date. This includes address,
email and phone number. If your information has changed, the easiest way to update it is by visiting the Help & Support tab of
Online Banking.
Deposit agreement - When you opened your account, you received a deposit agreement and fee schedule and agreed that your
account would be governed by the terms of these documents, as we may amend them from time to time. These documents are
part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and
withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the terms and
conditions of your account relationship may be obtained at our financial centers.
Electronic transfers: In case of errors or questions about your electronic transfers - If you think your statement or receipt is
wrong or you need more information about an electronic transfer (e.g., ATM transactions, direct deposits or withdrawals,
point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of
this statement as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on
which the error or problem appeared.
- Tell us your name and account number.
- Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error
or why you need more information.
- Tell us the dollar amount of the suspected error.
For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will
correct any error promptly. If we take more than 10 business days (10 calendar days if you are a Massachusetts customer) (20
business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is
made to your account) to do this, we will provisionally credit your account for the amount you think is in error, so that you will
have use of the money during the time it will take to complete our investigation.
For other accounts, we investigate, and if we find we have made an error, we credit your account at the conclusion of our
investigation.
Reporting other problems - You must examine your statement carefully and promptly. You are in the best position to discover
errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or an
unauthorized transaction within the time period specified in the deposit agreement (which periods are no more than 60 days
after we make the statement available to you and in some cases are 30 days or less), we are not liable to you and you agree to
not make a claim against us, for the problems or unauthorized transactions.
Direct deposits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same
person or company, you may call us to find out if the deposit was made as scheduled. You may also review your activity online
or visit a financial center for information.
© 2021 Bank of America Corporation
Page 2 of 10
Your checking account
IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
Scammers are taking advantage of the current environment to try to obtain your personal and financial information. Watch out for
scams involving promises for COVID-19 vaccines, stimulus payments, employment and more. Scammers may try to contact you in
various ways including by phone, email, and social media. Learn more at bankofamerica.com/security.
Deposits and other credits
Date Description Amount
02/05/21 Zelle Transfer Conf# XXXXXXXXX; PEARL KNIGHT TRANSPORTATION, INC 1,004.81
02/19/21 Zelle Transfer Conf# XXXXXXXXX; PEARL KNIGHT TRANSPORTATION, INC 1,273.88
02/22/21 Zelle Transfer Conf# XXXXXXXXX; ABDELHAMEED M YOUSEF 110.00
02/26/21 Zelle Transfer Conf# XXXXXXXXX; PEARL KNIGHT TRANSPORTATION, INC 393.44
Total deposits and other credits $2,782.13
Withdrawals and other debits
Date Description Amount
02/01/21 Zelle Transfer Conf# 873d81890; LUIS -100.00
02/01/21 Zelle Transfer Conf# ca42151fd; LUIS -362.00
02/01/21 Zelle Transfer Conf# eef205c37; LUIS -260.00
02/01/21 Zelle Transfer Conf# 00cff1665; LUIS -30.00
02/02/21 Zelle Transfer Conf# e365378c5; LUIS -100.00
02/04/21 Zelle Transfer Conf# 3c22f50bb; LUIS -100.00
02/04/21 Zelle Transfer Conf# c6f46169d; LUIS -300.00
02/05/21 Zelle Transfer Conf# 8e61ae9d2; LUIS -200.00
02/08/21 Zelle Transfer Conf# 69762b5bc; LUIS -200.00
02/09/21 Zelle Transfer Conf# f69224215; LUIS -100.00
02/09/21 Zelle Transfer Conf# ce347c2e0; LUIS -100.00
02/11/21 Zelle Transfer Conf# f39bdfdbe; LUIS -100.00
02/12/21 Zelle Transfer Conf# 858822bc9; LUIS -200.00
02/12/21 Zelle Transfer Conf# 53ee01e9e; LUIS -111.00
02/16/21 Zelle Transfer Conf# ad93cad26; LUIS -137.00
02/16/21 Zelle Transfer Conf# 89972ec34; LUIS -200.00
02/19/21 Zelle Transfer Conf# 50bd1393f; LUIS -300.00
continued on the next page
Page 3 of 10
IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
Withdrawals and other debits - continued
Date Description Amount
02/22/21 Zelle Transfer Conf# 08c1cb8ef; LUIS -365.00
02/23/21 Zelle Transfer Conf# d12b89059; LUIS -300.00
02/25/21 Zelle Transfer Conf# b5a38f883; LUIS -100.00
02/26/21 Zelle Transfer Conf# 7b370d629; LUIS -400.00
Card account # XXXX XXXX XXXX 6991
02/01/21 BKOFAMERICA ATM 01/30 #000001627 WITHDRWL GARFIELD RIDGE CHICAGO IL -500.00
02/01/21 CHECKCARD 0131 WM SUPERCENTER HODGKINS IL CKCD 5411 XXXXXXXXXXXX6991 XXXX -39.94
XXXX XXXX 6991
02/16/21 ISPA/PIMDS 02/13 #000001549 WITHDRWL PAI ISO SUMMIT IL -263.00
02/16/21 BKOFAMERICA ATM 02/14 #000006779 WITHDRWL GARFIELD RIDGE CHICAGO IL -100.00
02/19/21 7-ELEVEN 02/19 #000116868 PURCHASE 7-ELEVEN ALSIP IL -16.49
Subtotal for card account # XXXX XXXX XXXX 6991 -$919.43
Total withdrawals and other debits -$4,984.43
Checks
Date Check # Amount
02/01/21 998 -150.00
Total checks -$150.00
Total # of checks 1
Service fees
Based on the activity on your business accounts for the statement period ending 01/29/21, a Monthly Fee was charged for your primary
Business Fundamentals Checking account. You can avoid the fee in the future by meeting one of the requirements below:
$250+ in new net purchases on a linked Business debit card
$250+ in new net purchases on a linked Business credit card
$3,000+ minimum daily balance in primary checking account
$5,000+ average monthly balance in primary checking account
$15,000+ combined average monthly balance in linked business accounts
enrolled in Preferred Rewards for Business
For information on how to open a new product, link an existing service to your account, or about Preferred Rewards for Business please
call 1.888.BUSINESS or visit bankofamerica.com/smallbusiness.
Date Transaction description Amount
02/01/21 Monthly Fee for Business Fundamentals -14.00
02/16/21 ISPA/PIMDS 02/13 #000001549 WITHDRWL PAI ISO SUMMIT -2.50
IL FEE CKCD XXXXXXXXXXXX6991
Total service fees -$16.50
Note your Ending Balance already reflects the subtraction of Service Fees.
Page 4 of 10
Your checking account
IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
Daily ledger balances
Date Balance ($) Date Balance($) Date Balance ($)
02/01 1,506.88 02/09 1,411.69 02/22 1,000.58
02/02 1,406.88 02/11 1,311.69 02/23 700.58
02/04 1,006.88 02/12 1,000.69 02/25 600.58
02/05 1,811.69 02/16 298.19 02/26 594.02
02/08 1,611.69 02/19 1,255.58
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IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
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IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
Check images
Account number: 2910 1942 9494
Check number: 998 ! Amount: $150.00
Page 7 of 10
Important Messages - Please Read
We want to make sure you stay up-to-date on changes, reminders, and other important details that
could impact you.
Reminder - your November 2020 statement included the following list of changes that may apply to your Small Business
checking and savings accounts and the effective date of the changes. You will also see some changes to the options you have to
avoid the Monthly Fee on your accounts.
Account Changes Effective Date What to Expect After the Changes Become Effective
Business Advantage Checking will become Business February 19, 2021 You will see the new name on your statements, in Mobile banking and in
Advantage Relationship Banking. Business Advantage 360, our small business online banking.
Business Advantage Relationship Banking Account statement To avoid the Monthly Fee, meet any ONE of the following requirements
cycles on or after during each statement cycle:
The Monthly Fee of $29.95 will no longer be waived based on: January 30, 2021 · Maintain a combined average monthly balance of $15,000 or more in
your linked Bank of America business deposit accounts. Previously, the
· $15,000 average monthly balance. combined average monthly balance requirement was $35,000.
· Active payroll services usage with Intuit or ADP Payroll · Qualify for and enroll in Preferred Rewards for Business (Footnote 2)
Services (Footnote 1) beginning December 1, 2020. (first four checking accounts per enrolled business).
· Spend $2,500 in new net purchases on a linked business
Please review the Business Schedule of Fees for the state in which you
credit card.
opened your account for additional details about the ways to avoid the
· Active Bank of America Merchant Services account linked to
Monthly Fee at: bankofamerica.com/businessfeesataglance.
a Bank of America settlement account beginning January 1,
2021.
Business Fundamentals Checking will become Business February 19, 2021 You will see the new name on your statements, in Mobile banking and in
Advantage Fundamentals Banking. Business Advantage 360, our small business online banking.
Business Advantage Fundamentals Banking Account statement Depending on the state in which your account was opened, the $16
cycles on or after Monthly Fee may be a decrease, increase or remain unchanged.
Monthly Fee will be $16 in all states. (Previously the monthly January 30, 2021 To avoid the Monthly Fee, meet any ONE of the following
fee varied by state). requirements during each statement cycle:
· Maintain a combined average monthly balance of $5,000 or more in
The Monthly Fee will no longer be waived based on: your linked Bank of America deposit accounts. Previously the
combined average monthly balance requirement was $15,000.
· $3,000 minimum daily balance. · Spend $250 or more in new net purchases on a linked business debit
· $5,000 average monthly balance. card.
· Spend $250 or more in new net purchases on a linked · Qualify for and enroll in Preferred Rewards for Business (first four
business credit card. checking accounts per enrolled business).
Please review the Business Schedule of Fees for the state in which you
opened your account for additional details about the ways to avoid the
Monthly Fee at: bankofamerica.com/businessfeesataglance.
Business Investment Account February 19, 2021 If you already have a Business Investment Account linked and included
in your Business Advantage Fundamentals Banking relationship before
The Monthly Fee of $5 will no longer be waived by being February 19, 2021, it will remain and will not receive a Monthly Fee
linked and included in a Business Advantage Fundamentals while included.
Banking relationship.
Note: Business Investment Accounts can be linked to your Business
Advantage Fundamentals Banking relationship to help meet the
combined balance requirement to avoid the Monthly Fee.
Continued on next page
Page 8 of 10
Continued from previous page
Excess Transactions Fee and Deposited Item Fee Account statement For more information about any fees that may apply to business
cycles on or after accounts, review the Business Schedule of Fees for the state in which
These fees will no longer apply to deposits made using Remote January 30, 2021 you opened your account at bankofamerica.com/businessfeesataglance.
Deposit Online, Mobile Check Deposit, or at a Bank of America
ATM.
Business Advantage Savings Account statement To avoid the Monthly Fee, meet any ONE of the following requirements
cycles on or after during each statement cycle:
The Monthly Fee is decreasing from $15 to $10. January 30, 2021
· Maintain a minimum daily balance of $2,500 or more in your account.
Previously, the minimum daily balance was $5,000.
· Include in your Business Advantage Relationship Banking solution (one
per checking solution).
· Qualify for and enroll in Preferred Rewards for Business (first four
savings accounts, per enrolled business).
We are here to help
For more information about these changes and other fees that may apply to your accounts, visit your nearby financial center or review the
Business Schedule of Fees for the state in which you opened your account at bankofamerica.com/businessfeesataglance.
Please let us know if you have any questions about these changes or would like to discuss how you may be able to reduce or waive some of
these fees by converting your account to another account type. You can stop by a financial center, make an appointment at
bankofamerica.com/bizappointment, or give us a call at the number listed on this statement.
En los próximos meses, verá cambios en algunos cargos por servicios que podrían aplicarse a sus cuentas de cheques, de ahorros y de
Certificados de Depósito (CD) para Pequeñas Empresas. Antes de que entren en vigencia, nos gustaría explicarle qué cargos cambiarán y
cuándo lo harán, y también informarle los pasos que puede tomar para evitar algunos de ellos.
Para obtener más información, visite un centro financiero de Bank of America.
Footnotes are spelled out so the text can be translated by vision disability screen reader programs.
(Footnote 1) Intuit and the Intuit logo are registered trademarks of Intuit Inc., used under license. ADP and the ADP logo are registered
trademarks of ADP, LLC, used under license. Bank of America does not deliver and is not responsible for the products, services or
performance of Intuit Inc. or ADP, LLC. Internet access may be required. Internet service provider fees may apply. Other bank fees may apply.
See the Business Schedule of Fees available at bankofamerica.com/businessfeesataglance for details. Bank of America and/or its affiliates or
service providers may receive compensation from third parties for clients' use of their services.
(Footnote 2) The Preferred Rewards for Business program is only available to Small Business, Merrill Small Business, and Bank of America
Private Bank® Small Business clients. Other categories of clients, such as those commonly referred to as Business Banking, Global Commercial
Banking, Global Corporate Investment Banking, or Institutional clients are not eligible to participate in the program. Subject to certain
exceptions, eligible business checking accounts generally are any Small Business checking account and the following Analyzed checking
accounts: Full Analysis Business Checking or Analyzed Business Interest Checking. Clients in the eligible business categories may enroll in the
program. To enroll you must have an active, eligible Bank of America business checking account, and maintain a qualifying balance of at least
$20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of
America business deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill business investment accounts (such
as Working Capital Management Accounts, Business Investor Accounts, Delaware Business Accounts). The qualifying balance is calculated
based on either (i): your average daily balance for a three calendar month period, or (ii) your current combined balance, provided that you enroll
at the time you open your first eligible business checking account and satisfy the balance requirement at the end of at least one day within
thirty days of opening that account. Refer to your Business Schedule of Fees for details on accounts that qualify towards the combined
balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the
calendar month in which you satisfy the requirements. Bank of America Private Bank® Small Business clients are automatically enrolled in the
program at the Platinum Honors tier as long as you maintain your Bank of America Private Bank® relationship. Once you are no longer a client
of the Private Bank, your enrollment in Preferred Rewards for Business will end and the benefits from enrollment will no longer be provided.
You can continue to receive Preferred Rewards for Business benefits if you are eligible for the program and you take action to enroll. Benefits
become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise.
Certain benefits may be available without enrolling in the program if you satisfy balance and other requirements.
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IBARRA-TORRES INC. ! Account # 2910 1942 9494 ! February 1, 2021 to February 28, 2021
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