Does Bank of America train on your data?
Bank of America's privacy notices never mention AI, machine learning or model training. Its Erica page says Erica doesn't use generative AI, not what trains it.
The same shape as Citi, Chase and HSBC, at the same scale: a long, carefully structured privacy document that never raises the subject. Taken together these four make the pattern rather than any one of them making it — the incumbent retail banks in this archive are uniformly silent on AI training, while Monzo, Revolut and PayPal all address it directly. Re-read on 7 October 2026. The overview now lives at web.bankofamerica.com and is still silent, and so is the US online privacy notice. The page for Erica, its virtual assistant, says Erica uses natural language processing "grounded in machine learning (not generative AI or large language models)". It doesn't say whether customers' questions train it.
- Bank of America privacy notice, captured 2026-09-07 (https://www.bankofamerica.com/security-center/privacy-overview/) · Bank of America US online privacy notice, captured 2026-10-07 (https://web.bankofamerica.com/en/privacy/online-privacy-notice) · Bank of America Erica page, captured 2026-10-07 (https://info.bankofamerica.com/en/digital-banking/erica)
- train, training, fine-tune, machine learning, artificial intelligence, AI, model
- 0 of 5 raw hits
- 7 Oct 2026
All five are on the Erica page: "artificial intelligence" twice, "AI" twice and "machine learning" once, describing how Erica understands questions. None says what trains it. The two privacy notices have no match for any term.
What each plan can refuse
The same questions, asked of every plan we could identify. Every cell comes from a quoted clause or a documented search - see the evidence above.
- Not established
- Not stated
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- Not established
How to opt out of Bank of America AI training
Plan by plan, from what Bank of America's own policy says about refusing. Where it publishes the steps, they're listed here with the limits they carry. Where there's nothing to switch off, or nothing graded, this says so instead of inventing a menu path.
All customers
Not graded, so no route is pointed at. The same shape as Citi, Chase and HSBC, at the same scale: a long, carefully structured privacy document that never raises the subject. Taken together these four make the pattern rather than any one of them making it — the incumbent retail banks in this archive are uniformly silent on AI training, while Monzo, Revolut and PayPal all address it directly. Re-read on 7 October 2026. The overview now lives at web.bankofamerica.com and is still silent, and so is the US online privacy notice. The page for Erica, its virtual assistant, says Erica uses natural language processing "grounded in machine learning (not generative AI or large language models)". It doesn't say whether customers' questions train it.
What this policy has done since we started watching
No change detected. We've held a copy of Bank of America's documents since 17 Aug 2026 and re-read them since, across 4 captures of 3 documents. The text hasn't moved in a way that touches this verdict. That's a fact about the documents, and it's only knowable by having kept the earlier copies.
Vendor response
We haven't yet written to Bank of America about this verdict, and they haven't disputed, clarified or announced a change to any clause quoted above. When either happens it's published here, word for word.
Report a wrong clause