The most important thing you need to know about Erica is that once you accept the Terms I received no response of any kind. There is apparently an option now to disable Erica from listening, but still no option to disable and remove Erica completely. Just read the T&Cs and consider that Erica has no means of authenticating you, your voice, as an authorized interaction. Full disclosure: I’m also not comfortable with other popular AI gadgetry such as Siri, Alexa, pretty much all of them, but at least with those I can unplug the damned things – the only way to be completely certain that Erica is not still operating and/or capturing data in some way is to not use the mobile app and remove it completely. Link to the T&C regarding Erica: https://www.bankofamerica.com/online-banking/service-agreement.go#cat12