Bank of America Mobile Banking

Bank of America Mobile Banking Wiki

Written by Bank of America


Rated 4.81317 From 2,278,627 Votes
$ 0.00
  • Last Updated: 2020-06-23
  • New version: 20.05.2
  • File size: 472.52 MB
  • Compatibility: Requires iOS 11.0 or later. and Android 4.4. KitKat or later

Bank of America Mobile Banking


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Bank of America Mobile Banking is an iPhone and Android Finance App, made by Bank of America. Today, it has gone through many interations by the developers - Bank of America, with the latest current version being 20.05.2 which was officially released on 2020-06-23. As a testament to the app's popularity or lack thereof, it has gathered a total of 2,278,627 Reviews on the Apple App Store alone, with an average user rating of 4.81317 out of a possible 5 stars.

How does it Work?


Bank conveniently and securely with the Bank of America® Mobile Banking app for U.S.-based accounts. Manage Your Bank Accounts and Finances • Review activity and balances in checking, savings and credit card accounts • View mortgage, auto loan and other account balances • Activate or replace credit/debit cards • Order checks • Set app alerts to be notified of important account info Mobile Money Transfer • Securely send and receive money with Zelle® using a mobile number or email address¹ • Transfer funds between your Bank of America accounts Mobile Bill Pay • Schedule/edit/cancel payments • Pay eBills • Add/edit Pay To accounts Mobile Check Deposit • Simply take photos of checks to deposit them • Immediately see the processing deposit in your account² Erica, Your Virtual Financial Assistant³ • Ask Erica to find transactions, pay bills and more • Get valuable alerts, helpful insights and financial guidance Contact Us Easily • Quickly reach a representative for help or questions with your accounts • Schedule an appointment to meet with a specialist • Find ATMs and financial centers Special Offers & Deals • Get cash back with BankAmeriDeals® when you use your eligible Bank of America credit/debit cards • Get exclusive credit card offers Help Stay Secure • Change Online ID or Passcode • Set up Touch ID® / Face ID® to securely sign in • If fraudulent activity is suspected on your debit or credit card, we'll notify you • With our Mobile Banking Security Guarantee, you’re not liable for fraudulent transactions when reported promptly⁴ See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for more information. Mobile carrier message and data rates may apply. ¹ Transfers require enrollment and must be made from a Bank of America consumer checking or savings account to a domestic bank account or debit card. Recipients have 14 days to register to receive money or the transfer will be canceled. Dollar and frequency limits apply. ² Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. ³ Erica only listens or speaks when you tap the microphone and retains interactions to optimize your experience. Erica speaks aloud and hears and responds to all voices, so consider where you interact by voice. ⁴ You’re not liable for fraudulent Mobile Banking transactions when you notify the bank within 60 days of the transaction first appearing on your statement and comply with security responsibilities. All features may not be available in iPad. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. FICO is a registered trademark of Fair Isaac Corporation. iPhone, iPad, Touch ID, and Face ID are registered trademarks of Apple Inc. Bank of America and related trademarks are trademarks of Bank of America Corporation Bank of America, N.A. Member FDIC

Top Reviews

  • New ‘Bill Pay’ is Horrible


    By JJstar
    The new Bill Pay section is poorly designed trash that has ruined the app experience. Not only is it ugly, it does a poor job of visually integrating with the rest of the app. Clunky and unintuitive, to now make an online payment you must sift through multiple screens, making multiple clicks—all of which is very confusing to the consumer. You now also have to manually assign a “pay by” date to complete the process which is terribly annoying. (The default should be set similar to the pre-updated version that automatically sets the earliest possible date for you. But, still allow a user to manually set their own “pay by” date if needed.) Overall, the former Bill Pay was MUCH easier to utilize and MUCH nicer to look at. To add to the problems, we no longer have the ability to delete old “Pay To” accounts from within the app the way we could previously. Another oversight. BOA has definitely taken steps backwards with this update. If I had to guess, budget cuts forced BOA to begin implementing new app updates via internal junior-level design team, rather than outsourcing to a professional UI/UX firm. As a result, this update has a “beta” feel displaying poor form, function and usability. Really embarrassing for a big bank.
  • BofA Scam


    By ghridb
    Ok I don’t know if I’m talking about the bank of the Benk’s employees. I walked into the bank branch the other day to make a deposit and the teller convinced me to talk to a small business representative and so I did. The business representative explained to how easy and worth was for me to open a line of credit and before I could think they had me filling an application. On the conversation I explained all my life to the financing agent and said that I did not want a hard inquiry in my credit for no reason. She told me the for her experience and my record with the bank it would not be a problem to get the line of credit. I trusted her and went for it. After 7 days an other agent called me for an interview over the phone and she denied me based on my records; recored that they had access all along. So my review here is for you to be aware of shifting employees in branch who want to make a little extra with total disregard with people’s life. They don’t care if your credit will be damaged or your time wasted all they care is that they make they percentual extra money. Or it could be the bofa system too that operates on forcing them to screw clients with the complete disregard with damaging their personal life. So it could be the bank, the employees or both.
  • The Beginning by, Me.


    By Maes Momma
    When I finally received my I-Phone, it was time to try banking on line. I downloaded this app & began a totally new adventure. As time provides, I’ve been slowly delving into what I thought would be an amazing experience where banking and bill pay would become easily completed with minimal effort. Wrong, not entirely true. At this point I am frustrated. To simply pay my bills every month, without fumbles, less stress and time, I find out from ALL options, I’m not able to do online banking to pay aforementioned bills because I don’t have the necessary accounts available to do so. I have checking, savings and a fairly healthy CD.....I wonder, why can’t I bank online? Why does it say I’m unable to use this app for online banking because I haven’t the accounts to do so? Huh? What? I’m so confused! I can’t locate the forms I need either....I want to be sure when I pass, my daughter receives all my monies from these “Appropriately Established” accounts! I’ve called 3 times to have the forms mailed to me...to no avail and I’m unable to pay my bills online. I’m disabled, hooked up to oxygen, unable to go into the bank as I mentioned when I called. I was told to open online banking that that would help me handle everything from home. If I figure it out one day, you’ll receive the 5th star. Take care my friend.
  • Bill pay is ruined


    By Cool n Slick Willy
    I have bank with this over 20 years for one purpose the bill pay system was great. Made my life easy. I scheduled my bills and the money came out of the account on the day I scheduled them to pay. Life was great. I had control of my life. They changed a perfectly good system for get additional bank fees. The current system ignores your scheduled payment day. It could come out as early as 3 days before your scheduled payment date. I’m sorry that I’m not rich and sometime I live check to check. Which means if I schedule it for a specific day, that the day my paycheck will be there... not 3 days earlier. The control I had help me manage my money better and raised my credit score to over 800. am now looking at other bank system. Their policies have ruined the best bank payment system. You no longer can trust this bank will consider customer the needs. BTW. They charge me for overdraft fees for processing the checks 3 days before I scheduled it on my pay date. When I called and complained, the service agent said they changed the check processing policy to what was convenient for the bank.
  • emfceo


    By EMFceo
    I’ve been using the app since it first became available and I’ve been absolutely delighted with it for all of these years of use. Then came version 8.1.12 and the bill pay part of the app went down the toilet. Keeping records of payments off-line is no longer easy. It tells me a payment was scheduled but leaves out the important stuff like to who, how much, and when. I also miss the list of scheduled payments with the total $ amount A quick screenshot used to be able to get and keep a record of off line for a quick reference without having to log in. Pay to, amount, pay date, and $ total all on one page. That was the best part of bill pay and now it’s gone. Ease of use went out the window with this version. It didn’t take long to become frustrated and gave up trying to do the easy and familiar tasks that were perfected over the years. I’m very sorry to see that change overnight. The app designers should be people that actually use the app frequently! Take a step forward and take the Bill Pay section back to what worked well for years!
  • Pretty much second rate app


    By mark.four
    I tried to set up auto pay to automatically pay the whole balance every month. No can do. The app automatically schedules the minimum payment every month. No way to change on the app. No help - so far - from customer service. Sad. Here is an update: I got a response from a member of the tech team. It said that the developer needed more information on the type of account. Fair enough. But the response took several days and I was unable to respond to the feedback. Clicking the response link went to a leave feedback general page so the whole thread would have been lost. In the meantime I called the general customer service number. They did not have the information so they referred me to a technical support line which was closed for the evening. I called tech support. They told me what I was trying to do (pay in full every month—less interest fees to the bank) could only be done on the desktop app, not the mobile app. So it is a deficiency in the mobile app. To add insult to injury making this change is not effective immediately or even in a few days but not until the next billing cycle over a month away. Poor technology choices all around. Desktop and mobile apps both. My rating of 2 stars has been confirmed several times over.
  • Not able to select account to send money from


    By DisappointedWZelle
    I have called tech support twice this morning.. both times representative was confident on the troubleshooting step given. I have three accounts on my phone of those three I can only Send money from two. I was told to uninstall and reinstall as I needed to update app. I did that it didn’t work.. I called back again .. rep tried steps again, she also had me login to webpage. From the webpage on my phone I was able todo the transaction. She had me log out of the mobile app and back in to try it again.. still didn’t work. She then told me that the next option was to restart my phone then she could open a ticket .. but we were talking on so, she would loose the call .. and that she couldn’t call me back.. Most people are in the device they need assistance with. There should be a disclaimer that if you need help with your mobile devices don’t call from it.. like when you call your mobile carrier.. long story short... I have restarted my phone and uninstalled and reinstalled a second time.. I still can’t make the transfer. Disappointed!
  • When it works, it’s great but....


    By SandyTime
    This is the glitchiest app I use and it’s frustrating that a mammoth of a financial institution cannot invest in a more robust mobile application. Almost every time I try to use mobile deposit, it hangs up. Usually this happens during the photo step. Often though, I get all the way to the end and try to finish the deposit and I get a pop up message that it failed and to try again later. Sometimes it fails all day and I have to wait until a day or two later. I turn off my phone and try refreshing it that way. I look for updates. Nothing will correct it. So I’m sitting on checks that I can’t deposit unless I go to a branch and that sort of defeats the purpose of a mobile app. Admittedly, I’ve considered switching banks because it’s happening more often now than it did a year or two ago, but I don’t have time to read reviews to see if any other banks have better technology. This is among the most frustrating apps I have. I get anxiety every time I need to deposit because I almost can predict that it’s going to take me all day to try dozens of attempts. It’s like I have to set aside a good time to go to work at it. My brother and daughter use the same bank/app and we recently shared our frustrations so I know it’s not my phone. (Sigh)
  • Easy, fast, secure and Uber convenient


    By Jack Kaugh
    I’ve been using the BOA app since it was rolled out. It was good off the bat but upgrades that have been added make banking tasks easier and more accessible. Being able to deposit checks using the app means you can deposit any check instantly if you have internet access. Check your balances, transfer money between your account or to anyone whose bank uses Zelle like BOA does. Dispute transactions, apply for loans, check your portfolio of investments for real time values and much more. Notifications can remind you of regular or irregular payments as they approach and paying your bills is easy. And they make your money safe since you can get notified anytime any thing happens with your money I’d you set your settings up to receive such. notications. Never make a late payment again and watch your credit rating shoot up if you issues around remembering when to mail payments . Last you always have real time balances of all your accounts Off all the apps I have, the BOA app is one of the very best out there.
  • The iPad Version seems like a afterthought


    By Hugo-133
    Love the iPhone version, but 3 stars for the iPad version. It behaves a bit oddly as far as rendering things nicely on the screen and it is only optimized for portrait mode - when you go into landscape mode it isn’t full screen, and things are cut off - not as polished as it needs to be. The iPad has had a dedicated keyboard and new iPads have an even better keyboard coming out, they should update the app to behave at its full potential in landscape mode. As an aside - and not related to the three stars. Since there is no official platform to address the Desktop site, I wanted to highlight something that I have noticed and hope the Desktop team fixes it. It looks like BofA is going through a design update but only parts of the site are done. For example, Budgets and Goals pages feature a full width toolbar, updated sizing and generally look modern, whereas the account overview page (basically the homepage you get when you log in) and every other page still has the centered 90s toolbar and super small objects and font. Hoping they switch the entire site over to the new face-lifted look. Thinking back I think Goals, Budgets and maybe Statements feature this new style.

External Links

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This page was last edited on 2020-06-23.
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