While there's nothing unusual about the product or offer, with 50% market share in online banking, everything Bank of America does at its website is news.

After reviewing my credit card balance online today, I was greeted with a 30-day free trial offer for Bank of America's Privacy Assist Premier, a daily credit-monitoring, three-bureau service priced at $12.99/mo.

Below is the splash screen displayed after logging out from online banking:

We were a bit surprised at the lack of disclosure on this screen; not a single word about the eventual $156 annual cost, to which even the most well-heeled BofA clients may take exception.

Another surprise: Clicking the Accept button simply dropped us back on the home page with not a word of thanks or any confirmation that our selection was accepted.

However, most users will be smart enough to choose Learn More before signing up. On that landing page the cost is well documented appearing in the first bullet point in the shaded box (see below).