Name: Bank of America Mobile Banking
Rating: 4.82179 (4243626 reviews)

User Reviews for Bank of America Mobile Banking

4.82 out of 5

4.2M Ratings

5 days ago, SvetaStolyarenko

some good words to share

Hello, my name is Svetlana and recently i did started with BofA bc I was in need to switch the financial manager. My two last experience with different local banks was in trouble, lots of fraud. I’m using BofA for few months sofar. First of all I would say the online banking office is in really good shape with organisation and colour matching and that makes my work’ process cozy incalm and professional atmosphere. This is bigdeal for me, thank you for choosing professional designers and ITshers. Privacy seems to be top too, same as easy connection and communication with other country’ payees or banks by Zelle, Zelle is very nice option. For now I believe I mention all and yes, if you would like me to ask my opinion how to improve I definitely has one. I believe international Zelle would fit well bc Western Union is not working and there are no other function same top quality for money transfer so far. This is the reason why I believe international Zelle with such a security as BofA can offer and guarantee will be giant plus with benefits for BofA. We all have friends and family members abroad and all over the word and we all tired of moneytransferheadache. Why do we need it ? We were having much comfy life before “covidtime” yet, as a human beings we always have power to fix and change our comfy life back with new options and functionality. I hope it finds you well. Thanks. Regards Svetlana S’.

1 year ago, Question Woman

52 Year Depisitor

I’ve written several reviews before. None have been addressed or done any good to resolve my issues with my BofA app. After a number of years I cancelled an automatic transfer from my BofA checking account to my Valley Strong (then Kern School’s) checking account. This never was handled properly and I had to repeatedly “re cancel” the recurring transaction. After multiple phone calls and three separate in person visits to my branch the manager sent in a legal complaint on my behalf. I subsequently received a letter from BofA stating that my request had finally been processed and that no further transfers would take place. This was accurate for two or three months and then the transfers started again. I have no idea what I can do at this point other than closing my account. This would cause multiple problems for myself and my adult children whom I have linked with several of my accounts for a number of reasons. I’m highly disappointed with the bank I’ve chosen to work with my entire adult life and BofA seems not to care about the problem it’s set up for me and my family, nor how long it’s effected me. I will, once again try to resolve the bank’s mistake but with great distain and now a quite a bit of distrust.

2 years ago, +SB-

not the best app i’ve seen

It functions okay. Has all the features most bank apps use. Online check deposits, zelle, switching between accounts. However it does lack fluidity compared to other apps i’ve used such as chase and amex. Switching between business and personal accounts for example is extremely buggy. Unlike chase you get two tabs one says Personal and the other Business. Also check deposits can be annoying if you have multiple checks. You manually have to click deposit, take photos of front and back, enter amount, submit and then repeat the process per check. A feature that should be integrated- deposit multiple checks without having to restart the process for every individual check. Have some sort of group deposit mechanism. Also a feature to manually type in the account number or routing number if it’s illegible would be great! Some signatures get in the way and the built in camera app has trouble reading required info. Also an estimated, current balance, ledger balance in app would be better than logging onto a desktop website to see what you have. I don’t want to rant so to sum it up, this app doesn’t have the smaller quality of life features I’d like to see from such a major bank. I only wrote this because i’m hoping a dev would read and take this into consideration and not to bash BOA they’ll always be great. I just expect a little more focus to detail.

1 year ago, v-ram

Can't believe all the positive ratings

[Reviewed my prior review. It all still stands. I'll reiterate that the chat bot they have added is not useful for anything except directing you to the credit score. I still cannot believe its average rating is so high.] I've been seeing these BoA commercials advertising their mobile app, and I just had to finally write a review. So I opened up App store and saw that the app has averaged 4.8 stars?? This is really strange because this app is easily the worst app among banking apps I've used. Chase bank, Capital One, Discover card are all much better. Setting up online bill pay, which is the most important function of a banking app is really hard. For one, you can't make an automatic payment of the statement balance; you have to specify the amount, which makes no sense for automatic payment. And then when you think you've scheduled it, it's a convoluted journey to confirm the payment. Third, reviewing past charges is very limited. Fourth, the little automatic chat function doesn't help you with anything you need; it's just another advertisement for their credit score check and opening more accounts. All of the same goes for BoA's atrocious website. I don't know what banking with Bank of America is like because I don't have any other accounts. But since online banking is pretty much the most important way to bank now, I simply would not want a Bank of America bank or investment account.

2 years ago, justinlsu

Use anyone else

Bank of America is absolutely terrible. I have multiple banks/accounts/lines of credit…just moved new a Bank of America branch so Decided I would run my next business through them. Checking/savings set up no problem. Credit card has been lost for weeks. I’ve sat on the phone for hours listening to one story after the next on why they’re unable to do anything to help me. Card wasn’t here on time so I called and asked them to send another overnight like any bank of the 21st century…we can’t do that. Card not here a week later…more time on hold we’ll get you another card on the way and yes we can overnight it. Three days later where’s my card. Well I see they put in the mail today will definitely be there by Friday. Friday no card more hold time where’s my card. I don’t know. What’s the tracking? I don’t know our tracking system is down. Call today my cards not here. Well it should be there by 7 pm…. Can’t ever talk to a supervisor. Multiple times after bei G hold for 15+ minutes on hold the call drops and have to wait again. There’s no option to have them call back when someone’s available, just waste waste east more of my time. I would never ever bank either Bank of America again. When I get back from this business trip I’m closing all accounts. Stay away. They’re terrible. I never thought anyone could make chase bank look good but wow, I can’t wait to go Deal with their service which seems white glove vip compared tho this trash.

1 year ago, La Riena Poderosa de Furbies

Mediocre

The app is not greatly designed and isn't as easy to navigate as other banking and credit card apps. Erica is beyond annoying and hardly ever helpful - except when I'm trying to find a feature that has been hidden away (like changing alerts) then it will take me to the screen I need. But the screen I need should just be easy to find in the first place. Even though I've turned off every alert for Erica, it still gives me a little notification light when I log in that I either have to live with or click on Erica to get rid of. I've also had issues with perpetual mobile notification alerts that never go away. I've tried searching everywhere in the app for some message, update, insight, something... even deleting and reinstalling the app multiple times and the notification comes back on my phone when the app is redownloaded. I also really wish I didn't get notification to "pay a bill" when the account is a zero balance. It gives me a minor heart attack every time when I don't use the card, and then I get my "YOUR BILL IS DUE" alert, to frantically log in and see it's a "$0 bill statement" that I have to mark as paid. No other card I have with an app does this. I only use BOFA when I absolutely need to - if my Discover card isn't accepted at an establishment. And I'm probably going to look into switching from BOFA to Chase.

3 years ago, skier6200

Auto payment

Your auto payment feature is unacceptable. For some accounts you do not allow payment of statement balance or minimum payment amount which makes it impossible to automatically pay each month to avoid a late payment. You actually require a dollar amount and that can result in an overpayment which we then have to request to be refunded. That did happen to me. So I shut it off and as a result I was charged a late payment for being a few days late paying because I could not access my account to pay an unexpected charge that went through the account. Which leads to my next complaint about the website. I could not remember my password and therefore could not get a reset as I did not have my credit card available. Instead of allowing reset like other credit card companies by answering chosen questions, you make us enter the account number which I did not have because I could not access my statements which are delivered online. Since I did not have my card with me, I had to call in... having to try to call back multiple times as your lines are very busy. By the time I was able to get a person on the phone, I was 3 or 4 days late paying and you had charged me a late payment. I always pay on time. You have years of history with me paying on time, yet your customer service refused to refund the charge even though I have years of history paying on time and only was late because I could not get into the account. Your online experience it terrible.

2 years ago, Xlilred

Bank of America customers Services is horrible

I spoke with customer service about my account being charged a service fee of $25 a month since January 2021 and I found out after reviewing my account, customer service said that they could not remove or refund my money because I was no longer a gold tiered customer. I couldn’t understand why that was I’ve been with them since 1997 and never been charged a fee I asked to speak with a supervisor ID xsfny4 Kekia she was very rude and said no you don’t get a refund and why did your account go below $20,000”??? What happened?? Who ask this of someone about there money? Then I figured it out if you are below $20,000 then you dropped off as a gold member she just said we sent you an email on your bank account when I told her I never saw this notification she said we sent it so no refund goodbye. I will be moving my money out of this bank account, when I feel up to it. My health and money is my business, my account it’s not like it has no $ in it. I don’t want to be with an institution that forgot how important it’s customer are. I wanted on the phone for over a hour to have a short rude conversation with a supervisor.

2 years ago, nativeprsct

Bank of America Ratings

For the most part I like working with Bank of America - especially on-line. However, I was raised in a banking family where customer service was HIGHLY important. That was one of the things that drew me to B of A a number of years ago, and THAT is the one thing that makes me consider leaving B of A. Through the banks focus on the almighty dollar and their lack of concern for their patrons, they have closed the only two B of A banking facilities in our town of Prescott, forcing us to drive to the neighboring community of Prescott Valley if we need personal service. This can be highly frustrating and inconvenient, especially if the need is immediate. AND, appointments have to be made if you want to access your safe deposit box. Again, HIGHLY inconvenient and unsettling as no one is at the bank in charge of that vault. B of A seems to have forgotten that it’s Joe Q Public that entrusted the bank with the care of their personal monies, documents and wealth. If all of the individual patrons would move their accounts elsewhere, B of A would be significantly hurt. B of A has significant resources, but your so called greatness originated with the individual patrons. It would be wise to treat your patrons well as we can go elsewhere. I hope you’ve heard of the Biblical “David and Goliath”; that can happen to you, too, unless you treat others well.

4 years ago, Maes Momma

The Beginning by, Me.

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.

2 days ago, Furious 30-yr loyal customer

Deceptive and predatory BOA practices

I just want to pay my mortgage. Who would’ve known this was such a monumental, circuitous, dangerous, and deceptive path! But, apparently Bank of America makes this so by the business practices that they employ. I know a large mortgage will hit on the X. So on that day, I cash app transfer over the amount needed for that mortgage bill. However, BOA always seems to hold this particular cash app deposit (others are applied instantly), until my mortgage bank asks for the mortgage payment. Of course, it gets denied… With my mortgage bank request, and BOA’s denial disappearing from the account as if it never happened. Of course you won’t know that until you hit with either late fee or worse… A big hit on your credit score.. this has happened too many times for me to believe it was a flute… But it is it something done purposely by BOA. If I wanted to find out how many times this actually happened… Meaning, how many times my mortgage bank requested the payment and Bank of America denied it because of whatever reason, including insufficient funds… I will never never be able to find that my Bank of America online account or the statements that I received. It is quietly rejected and removed from the account… Almost secretly, as if it never happened… But it did happen… Very most indeed did… With repercussions… That Bank of America apparently cares nothing about insensitively nothing about it that they delete it from existence.

3 years ago, by hearing officer

Painfully slow to open

I don’t know what’s wrong with the BofA IT department or equipment, but this app has become painfully slow to open, if you can get it to open at all. I have no other programs that are as difficult or slow to open as this one. Didn’t used to be that way. While loading speed has improved, now I can’t get the app to work with Series 3 Apple Watch. Have spent long periods with Apple and B of A trying to solve the problem. Have re-started and re-synced everything multiple times. A Google search shows that’s I am not the only one with this problem. Every time I click on B off A logo on watch, it says go to B off A app and authorize the watch. I have done this multiple times. I continue to get the same message. The app does not seem to save the authorization, as every time you go back to the authorization page it asks you to agree again. The app says you can use your watch but it doesn’t seem to communicate that to B of A’s system. Update: This app is still buggy. It actually worked for a while, then just stopped working. I restarted watch, reloaded app, both on phone and watch, then app tells me congratulations I can use app on my watch, but watch says to start by going to app and agreeing to terms, which I have done countless times. BofA needs to fire their app developers and hire new ones. I have had no other problems with other apps on my phone.

9 months ago, Free yelp poet

Limited functionality compared to other banks

The app does most of basic functions you need. The reason why I give it one stars is it assumes you do most of your banking here. They purposefully withheld transferring functions to outside financial institutions because Bank of America would rather make it more difficult for you to move your money out. Given you can do so on a desktop, but why make it more difficult? It’s meant to discourage you from transferring your money out because they’d want you to keep all your money inside one bank. They also now took away the function to pay with your external accounts on the app to make it more difficult and the solution? Simply bank with Bank of America exclusively. That’s just stingy and greedy tactics. Given you can use Erica(their mobile assistant) to pay from your external institutions or the desktop to do so, but why? Purposefully limiting functions leads to a poor client experience and would lead to clients switching banks. Wells and Chase do not try to hamper you from transferring your own funds to your other bank accounts it still blows my mind the only way to transfer between your accounts on the app requires you to use Zelle or the desktop to do so. This was the only bank that previously used to charge a fee to initiate an ach transfer in order to discourage money leaving Bank of America but these new tactics are still underhanded and frustrating to work with.

2 years ago, GREEK 2U

Email/Text Alerts don’t always work!

I am a person who likes to be alerted whenever there is a charge on my credit card even when I might be expecting it. However, after several calls and complaints to Bank of America about this issue, I still do not get the text and email alerts on a regular basis. I had a recent $2000 charge on my credit card which fortunately I expected. But neither the text or email alerts came through even after confirming that I had them properly set up! When I contacted Bank of America about this they said they would have someone look into it and contact me. I even submitted a support ticket but no one ever called me to resolve it properly so I am now anxious that I am missing alerts about new charges. The other issue is that I no longer get credit card payment due date reminders emailed to me. They have confirmed that I have my alerts set up properly but they still don’t know why I’m not getting these. This is just frustrating and does not instill me with confidence in this company. — My response to developer: This is inconsistent and not just a text notification issue. The alerts have been set up from the BofA website not the phone. So not sure why the app has anything to do with this. Also, reinstalling the app did not help. This is also an email alert issue not just a text issue. This points to a BofA system problem since email alerts are not phone dependent.

10 months ago, Guyfindinganewbank831

Horrible Service & incompetent management of policies.

What a joke of a banking experience. NOTHING positive to say about my experience. Been a member since high school, am now 26 years old. Have been charged $12 from both my accounts each month, even though students are not supposed to be charged with this fee according to the Carmel branch location. Management said they would be unable to make corrections to this mistake & it was my fault. The account was made when I was in high school, so I highly doubt that improper charges due to your incompetence would hold up anywhere besides the walls of your corrupt institution. Additionally, I was in a car accident & spoke to a boa agent explaining that I was unable to work until my collarbone healed. 4 months later after paying my credit account below it’s limit by 25%, to my surprise my account was closed down. I have since fully payed off the balance. Account was removed from my profile & then brought back with another $12 & change charge to pay off, which I have since done just to rid myself of this corrupt institution. Closed both my accounts today & was told I may have other charges that will be mailed to me. Oh well! If it means never having to deal with your incompetent institution then so be it! Customer service was a complete joke! I will never bank here again after hearing about my family & friends having better experiences at many other banks.

2 years ago, caskey0814

So there’s no explanation for this.

I filed a claim with the fraud department because my card was used without my knowledge. It was some Video Service and I thought it was my car payment so I didn’t file a dispute for a month or so. Until my car dealership called me and said I was a month behind. That’s when I found this charge on my account from this Video editing service for 357$ and some odd cents. So I called BOA and filed a dispute. At which time they found another charge by the same company. Needless to say they put the funds back in my account and started a claim. Several weeks went by and they took the money back. Leaving my account in horrible shape. 670$ negative to be exact. Now my unemployment finally went through and I received my first payment which was 166$ and they took it for this negative balance. I’m still 476$ negative and there’s more unemployment coming. BOA really did this to me. Anyways, for the record those are not my charges and I don’t know where they came from. And the icing on the cake was when they told me the reason they denied the claim was because of the amount of time I had waited before notifying them. Once again, I notified you as soon as my car dealership Called and told me I was late on my payment.

4 years ago, Jeffrey HC

Customer Service with a smile, through the phone 👏!

I want to acknowledge Daniela (I didn’t catch her last name.) a phone representative of B of A for her incredible knowledge and apparent skills sets that sets her apart from many other people. Upon receiving my call she was well versed on what to do about my issues and took immediate action to reverse a fraudulent erroneous charge to my account. Her demeanor is warm, friendly and I could just imagine her smiling while she was busy helping to close my old card down, reverse the charge, stop this business from ever being able to use my account again and send me a new card. This entire process was less than 10 minutes and my problem was resolved immediately. And this was done in a very professional and proficient manner with that bit of human kindness, and empathy. It’s rare these days to find someone over the phone who is competent and gives you excellent customer service like Daniela. Thank you for your OUTSTANDING SERVICE!!! Keep up the good work and you’ll keep getting revues such as this one. Again, thank you for making and taking the time to provide PERFECT, SATISFACTORY, PROFICIENT, CUSTOMER SERVICE 👏👌👍! Sincerely, Loren S

2 months ago, zcurlytop

Fraud

My account was locked and the fraud department was able to assist however, walking into the Chicago Ridge. Bank of America was a nightmare Jenny Ramos a manager was not able to correctly assist a customer she kept telling me was you need to have an appointment you need to have an appointment you need to wait for our bankers to complete their clients appointments, no empathy whatsoever no de-escalation was offered possibly is there a possible way you can come back this afternoon? Brittany stepped in and was able to help me get through the process by making some phone calls. I’m just being there for me. Brittany was awesome. She sat with me. She talked to me she listened. I’ll put herself in my shoes. You can tell she was a lot a lot more empathic you know this Ramos Jen Ramos maybe there was some miscommunication, but she should put herself in someone shoes. She should as a manager maybe be retrained I had a de-escalate not tell me to sit to sit down and wait demanding, almost as if I was a child there’s going to be times when you have have urgent matters and no reason my account was locked and she could have helped me but didn’t in the bank. Should also allow for emergencies like this if you’re shortstaffed, what does that mean for the customer that means a customer has to be pushed away just ridiculous time consuming.

1 year ago, Maol.1

I dislike recent changes made to billpay

Update May 2023 Yet again another change to the bill pay workflow. PLEASE LEARN that customers appreciate stability. PLEASE Stop making useless changes for the sake of changes. Stop changing the way billpay is done. I was finally getting used to the new workflow and UI and there we go again… another update that made a major change to the workflow. Yes we want ease of use, but also stability. We don’t like having to re-learn the app every few months. —— Older Review: I am a platinum user and I have used this app for at least 8 years. Until about a year ago I would have said I loved this app and in fact I gave it a good rating long ago. However with the last 2 or 3 updates (which they force on you) they have made the billpay workflow complicated and less user friendly. Billpay is probably 95% of my reason to use this app, the other 5% being transfers between accounts. I really need to have an easy way to review what it payments (who, value and dates) I have made in the last few months so I can plan for next set of payments. Not all bills can be set to autopay. I still need manual payments for many payees. Please bring back the older functionality and user experience you had until about a year ago. For now I am being forced to login to the website via safari instead.

6 days ago, Lianicole1984

Recurring charges

It’s very interesting that I’ve heard from several Bof A members that they have the same issues I am having with recurring charges that are asked to stop and then they start up again a couple months later. I have tried to stop them several times and I have 3 children that I’m trying to raise and this money that goes missing from my account causing financial hardship because there are so many online charges going through. Mainly the charges are through now individual media company’s linked to Roku that used to not be individually charged. I have called Bank of America to get this resolved and to get help and would just wait for very long periods of time to never speak to member services and they NEVER answer the phone . I am not kidding when I say I waited 1 hour on hold with no answer from anyone . I was not physically able to get to the bank at that time and it just seems there is going to be no end to these fraudulent charges . I also closed that account and opened a new one and those recurring charges transferred to my new account. The new account was one by myself and was not supposed to be tied into the old account and somehow they merged. I’m wondering if anyone else has these issues and is interested in starting a Class action Lawsuit because at this point it’s ridiculous with what I’m dealing with and would hate to see anyone else go through this.

2 years ago, Anadara

Since update Bill Pay severely problematic

I have used this app, on IPAD and Iphone for many years. Since your latest update, sometime in or around January 2022, the Bill Pay section has changed, and it is terrible. I can no longer see which bills I have set on AutoPay, and I can no longer pull up a list of payments I have made to a company over the last year, which I have always used around tax time. All I can see is the last payment date. This is made it pretty much unusable for me, because I make payments to companies at different times - I often need to see the last few payments easily. It is a mess! It is also not programmed correctly for IPAD: when I bring up the payment box, where you choose which account to pay from, and the amount of the payment, there is overlapping text, making it hard to tap in the right spot, necessitating a lot of back and forth. Did your programmers not TEST THE NEW CHANGES ON AN IPAD? It is like when amateurs back in 2005 would make a website, but forgot to test it on different browsers, and when you pulled it up the text was overlapping. Just a total mess. I use my IPAD to pay bills as well as much more complicated financial transactions on other financial websites. This is a disgrace! The old version worked very well, and I could get all kinds of information easily. Someone please take a look at this. It is useless for me for Bill Pay.

1 year ago, Won' let me

Horrible

All I was trying to do was make a simple bill payment and you have made it so frustrating. I’m all good with security and making things really secure as possible but when it comes to making it difficult for me to get what I need done which is a simple bill payment it doesn’t make sense. I’ve tried to make a payment and it wants me to add another account I don’t have another banking account so then it tells me it’s sending two small amounts to my checking account and I check and there’s no small amounts deposited into my account so I’m stuck. Then it tells me to ask for some persons name who is not even on the mobile app. So I called again, and I only do is direct me to a mobile app which I really have again and this chat person. That’s not there then I called again finally and get a cording of course and then I keep me on hold until I get frustrated even longer and hang up and this is been going on for the past 1 1/2 hours and I still haven’t paid my bill which again used to be a simple essay 123 what’s the point of that upgrade or whatever you call yourself make it to your mobile app it is useless

2 years ago, Piper_Steve

Alerts are a GREAT feature but...

I really appreciate the alerts feature of this app, however the ability to acknowledge them and clear them without having to log into the app would be a nice change to consider. Also something that irritates me and I find a little bit confusing is when I want to check the history of activity on my credit card it only shows me activity for the month we are currently at, and it is nearly impossible to access other history without having to go through complex search gyrations. That needs to be fixed, I should be able to easily access the entire history of my credit activities by simply sliding one month over from another, this is important information that should be easily accessible. Another thing that needs to be fixed is when you make a payment on your credit card using the app as soon as you initiate the payment the screen goes back to the make a payment screen with no evidence that your payment has been scheduled or made, and it seems like there’s no way to check it I find that perplexing.

1 year ago, AFKoenig

Erica AI Assistant Issue

I used to love this app, it was by far the best of its class. Unfortunately, lately, I’m no longer able to contact customer service directly without going through the extremely irritating AI Erica. I wish she could be deactivated from settings, but unfortunately have had no luck through customer service with deactivating it. I used to be able to toggle all the way down from my credit card and select connect with us, but now instead of promoting the call, it defaults to Erica right away. I’m not spouses to AI technology generally, but when it comes to banking, I prefer speaking with a person regarding my questions, concerns, disputes and so forth, not an AI first or at all. Erica has made it more challenging for me to reach an agent, rather than more simple. Furthermore, when it finally does give me the number option, it disconnects the call, or the call is very choppy and robotic, and before actually connecting with anyone, it sends me through a number of prompts first, which I didn’t have to work through before, not to this extent and over again. I hope you offer an option for those who prefer not to have Erica on board, to deactivate it. Thank you! Other than Erica, we love Bank of America, and their human customer service.

5 months ago, getterdone96

Predatory credit card transfer engineering

Generally speaking the app is okay. A little slow sometimes but all features are there. I have been using the app for years and I had very little qualms until over the past few months they have been making it harder and harder to pre pay my credit card balance before the current cycle is over. This is obviously predatory to make it more abrasive to pay your card off on time or early. They would rather you wait until your cycle ends and you carry over a balance and they can charge you interest. I used to be able to look at my current balance(real time balance not my statement balance) and with a minimal taps on the transfer screen enter that amount and it would work. Now I have 10 different input fields I need to select BEFORE I can enter the prepay amount I would like to pay. These are: 1) which accounts I would to transfer from / to (fair) okay then date I want to transfer (fair I guess but for me it’s always now which should be auto selected) and then it jumps to a screen that’s like “but you have a $0 statement balance !) well yeah I’m trying to avoid carrying a statement balance duh. Mind you I need to enter all of these input fields while remembering what my real time balance is and I feel like they are doing this intentionally to make prepaying my balance harder to do / stay on top of.

2 years ago, cheated out of moneyby risk

Its too bad😩

18 years, and im leaving, 3 stars would have been 5 here but ERICA IS EH, she does not recognize much linguisticly, but the real reason I’m leaving Bank of America after 18 years and I didn’t want to but I currently have credit line with Chase! Chase gave me a credit line after getting crushed by covid, losing everything down to just 2 sets of clothes😥now I need to bank with the same bank I have credit with because I don’t wanna go back-and-forth Between banks, i recomend BOA for sure IF YOU DONT HAVE CREDIT REBUILDING TO DO, they gave me 3 balance assist loans, ask about em, paid all three early, but BOA doesnt want to transfer chase credit to bank of america 0 interest credit card,WHICH WOULD BE A GAME CHANGER IN MY LIFE, a miracle actually!! covid hit my industry bringing us to our knees, (food and beverage) im climbing up that hill, CHASE IS HELPING me reastablish my credit, never used em and they are helping me! REASTABLISH, cant help but to think 0 interst would be a miracle, but bank of america doesnt want to be that miracle, my nine year old said lets switch banks!!! We were hoping, but hoping wont get that extra money for sneakers, transportation, BOA IS PRETTY GOOD BANK OTHER than ignoring credit needs after covid and Erica is close to eh, 2 stars for her, I reccomend them but not a good fit for my credit needs and clearly they dont think so with me either,😒🥺 good bye BOA WE HAD A RUN😒NO NEED TO RESPOND😒

2 months ago, JayTuifagalele

Fraud alert

Hi I have been recently getting unauthorized charges under my account . It’s been going on for couple of months now and an example there was a charge under my name through Bombay pizza which I did not authorize. My partner is also getting the same charges which she did not authrorise . I am kindly requesting for BANK OF America to look at this option . I know Bank of America have its chain of networks and while experiencing this fraud charges on my account , metro t mobile , gas service station Milpitas , AAA , Americas best value inn , Starbucks Milpitas and there’s a few more that’s connected . I hope there is not an insider working from your end in connecting to this merchants in taking money out from my account and splitting the money. I have all receipt from all my transaction since august last year and I really don’t wanna go far on this because we all have mistakes and sometimes we put wrong charges under my name . Please BANK OF AMERICA look into this because I do not want to change banks . I Love Bank of America and it’s my first ever bank while arrive here on the states . Thank you very much .

2 years ago, Missodessa

Too many bugs

Edit who knew all I needed to do is take a picture of the check UPSIDE down on a light purple background instead of a black one. Seriously the developers need to address the camera functioning because most people aren't gonna think to try taking a photo of the check the wrong way for it to be read or put it on a light background after being told to use a darker one by the app. Once the check was photographed upside down it allowed me to submit it then it showed the black and white copies in the correct orientation. Tried to deposit a check 1. Took picture of front (all was fine) 2. Took picture of back (all was fine) entered the amount of the check clicked next. Error saying it could not see the bottom front of check and to retake the picture despite the whole entire check was visible and in perfect lighting. I had deposited a check a couple weeks before no issues. I kept trying to retake the picture same error every time from multiple devices after deleting and reinstalling the app and making sure it was up to date. The mobile deposit check feature is useless at this point. There is nothing wrong with the photo of the check and why would your app reject the front picture after accepting it and letting me take the back picture? Makes zero sense. Please fix your app.

4 years ago, EMFceo

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!

5 years ago, Cool n Slick Willy

Bill pay is ruined

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.

1 year ago, Sale’ Pepe’

Online Banking

Access to the Bank of America App., “Online,” is a very valuable tool to manage my Bank of America accounts. It is truly appreciated and as a loyal customer with Bank of America for over 50 years, I’m so happy that I selected a Bank that identifies the needs of their customers and provides the tools to manage those needs. The Bank has always worked with me during difficult financial times and during good times. As a very large Bank to have the concern to work with their “Middle Income Base” to help them manage their financial needs is a true testament to their upper management as well as the concern & culture provided by its founding owner, Amadeo Giannini, which is to take care of the “Middle Income” customer, the back bone of America. Thank you for keeping your concern for the “Middle Income” customer and remember that without entrepreneurship, mostly provided by the “middle class,” our economy will collapse. Thank you Bank of America for being there to help America’s “Middle Class” and stay out of the “Woke” way of business, because it will destroy this wonderful Bank.

3 weeks ago, Dr.TG30

What happened to your App

What has happened to your App! I don’t know whom or who is charge of updating this app or servicing this app. But what ever you did or have done, you have now created a mess, smh! I am as frustrated here that I fear to log in and use, because every time I do. The app is not working properly or it says it’s temporarily not available once the app works any action or transaction does try and post or do but eventually I get an error of not working! Making me fear any action from now on feeling like I’ll be charged once twice or 3 times. All because app is just not connecting well to service or whatever, smh. Eventually this app will make a mistake not by me cause I see your defaults you app developer. If something serious does occur I have a feeling it will be a mess to figure and I’ll get the famous round around from app developer and branch personal and time wasted just finding someone on the phone from BoA to help me with an app developer issue. Update this app to work properly. Save us all time and headaches and anxiety. This app is not right! You app developer you know it well I know someone or yourself pushed this mess out to public after not being tested properly for the consumer. You app development people are working with a ticking time bomb of a mess that will make users loose time money and confidence in BoA!

6 years ago, mark.four

Pretty much second rate app

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.

3 months ago, bedfctgyhnbffg

Do better

I just got a credit card from Bank of America and their app makes me want to get paper bills and pay with a physical check through the mail. I’ve never seen such poor design and user experience in an app before. I have to click through way too many screens to get where I need to go. There’s always tiny disclaimer text on the screen that I don’t want to see. I just saw two back buttons right next to each other when looking at past transactions( which is also a hassle and has a save button?!). Honestly it’s fine, but really makes me want to no use Bank of America ever again which probably isn’t what they want so hopefully they see this and make it better. Update: it’s not even fine. I couldn’t enter my checking account info to make payments. The app is so poorly designed. I finally logged onto BofA on a computer and got it working but the app is useless. The chat assistant is useless. I got some text verifications from them that didn’t work. I cannot wait to cancel this card and rip it to pieces. It’s fine if you don’t have an app and need to rely on an actual website, but don’t waste people’s time with pretending to have a mobile app. It would be better if the app just said, “we can’t make a proper app so please just go to our website”. That would be so much better.

3 years ago, Ptgeldorado

Worst bank ever

They take forever to do anything they screwed me over and almost made me miss out on a PPP loan and now they took four months to figure out an issue that shouldn’t have taken a week. Last April I was trying to deposit a $100 bill a customer gave in the ATM. When the little door opened the bill hit the little wheels and bounced back out of the machine instead of being sucked in. The machine said I didn’t detect anything what did you put in? I tried to put $0 but the machine would not accept that answer so I put $100, thinking it would give another chance to put the money in, but it didn’t. So I tried again and successfully deposited the money. Know that the machine was giving me credit for money than I put In, I immediately called the bank and explained what happened. They filed a report and I assumed the issue would be quickly be resolved! No not with Bank of America! In August a full four months and a week after the fact they finally deducted the amount from my account on my birthday of all days!!! What a crock!

3 years ago, RoLo50312

Touch ID failed after update

As has been noted by many other recent reviews, the latest update created a problem with Touch ID (and apparently Face ID too). Every time I open the app Touch ID is no longer setup. I set it up again and again and get new email messages each time saying Touch ID has been setup, then at the next login it no longer works. BoA is a massive company with enormous resources - it needs more testing on app releases and when problems do occur they should be quick to fix the problems or find a way to communicate with app users to indicate they know the app is not working correctly. Very disappointed in BoA. UPDATE: I received a note from the app team indicating the problem has been fixed. On my device the fix does work so I am changing my rating from 1 star to 4. It is a great app but I wish there was more testing before deployments. When bugs are discovered users should be notified so users know that the app team is aware of the problems and working on solutions. I really hope BoA can do this - just more testing and better communication. If they did that the app would be a 5 star app.

3 years ago, juan2three3

Super greedy and worse bank

I’ve been with BOA for 13 years I hate them. because of Covid - 19 , my financial situation is barely there. I used to be able to cover everything I needed to pay one way or another. But lately it’s become increasingly hard to and as a result, I have been getting more NSF and Returned Check Fees. I am receiving unemployment every two weeks that is less than $400, and BOA feels they deserve to take about a 1/3 of my check every two weeks to cover those fees. I’ve called multiple times and have been denied a refund for them, citing they are legitimate charges. But considering how things have been going all over the nation and the world, you’d think they’d have a little compassion but they don’t. They can clearly see when I get paid and for how much but they don’t care. Instead they offer me to open up a different account that doesn’t allow over draft, but that’s it. Well I can’t get that because I’m also currently homeless and you need an actual physical address to open that account. So I’m screwed regardless. I could really use that money for essential things I need and for a place to sleep, but instead BOA decided that their needs are far more important than mine. Who would have thought that my own bank would be the reason why I ended up on the streets. Thanks Bank of America, greatest bank ever. 😒

2 years ago, BofaPleaseRead

App Just Spins!!!

Response: followed instructions but app still not working. Update to my update: No I am not using a vpn. Yes I’m able to access my account through the web browser on my phone and computer. I’m able to access the bill pay/Zelle, and transfer money function using the app by long-pressing the app but when I click on the dashboard to view my account it just spins and eventually crashes. Update: I was told their would be an update that would fix the issue of not being able to access/open the app but the latest update is still not working. I have iOS 15.2 on my phone and the app still just spins when I click it to open. Please update the app so I can check my balances! I have to use my browser to go to the BofA website to check my balances which makes the app entirely useless. I never write reviews but from reading the other reviews this appears to be the only method for potentially getting a resolution. I downloaded app, set everything up, but every time I click on the app it just opens and spins on the dashboard. I can long-press on my Home Screen to open to “pay bills” or “send money through Zelle”, but for whatever reason I can’t get to my dashboard. I have to use my browser to go to the bofa website on my phone which sounds crazy to me.

5 years ago, SandyTime

When it works, it’s great but....

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)

4 years ago, Diane N.

Customer service

I tried to set up transferring money between my accounts at different banks. I went through the prompts on line and was waiting to verify that trial deposits had gone from Bank of America to my other account. I checked the other account when I was notified by Bank of America that they had gone through successfully. When I checked, no such trial deposit was made. I tried to notify BofA online but the only option was to call. I became stuck in a loop of prompts on the phone which never led me to anyone who could resolve this issue. I then set up an appointment so that I could speak to someone in person to assist me. When i showed up, I was given a card with a telephone number and ASSURED it would not put me through the original prompts I had already tried unsuccessfully earlier, but rather directly to a department who could help me. This was not the case- I tried the number and was right back where I started from. Is there anyone at this organization who would be willing to talk with me and help correct this issue?

3 years ago, delpup

BofA app & other changes from you recently

I have banked with BofA for 15 years and have always enjoyed using the BofA app when I need to make changes from the privacy of my home. But, there are times that I wish I could go through the drive through for my simple deposits and withdrawals. I am disabled and it’s more difficult for me to always have to go inside! Since you changed your hours of operation, I’m also often waiting for 9am for you to open and sometimes the line is so long, so I leave and try using the ATM and have much difficulty using it. Your not open on Saturdays anymore either. I will be looking into other banks and will be leaving BofA w/i the next month. It’s so sad to me that the people who make the decisions at the top sure didn’t consider customers with needs like me! My momma banked with you her entire life and is why I chose you for all my banking needs. I wish the best for y’all but I’m not a customer who BofA cares about nor will do nothing to keep me either. Such a sad ending for me!

2 years ago, Christopher Callari

Absolutely the worst bank out there when it come to fraud protection

Don’t expect any help from this bank when it come to protection of your money. It’s safer in your mattress.. My Iphone was stolen, password protected and everything. My biggest mistake was having this app on my phone though. The thief was able to hack into my Bank of America app, and use Zelle (some money transfer service built into the app) to transfer $2300 directly out of my bank account. I have never used or set up Zelle, apparently it’s just built into there app. I followed up immediately calling less than 14 hours after the transfer was made reporting it as fraud, after I got an email on my laptop. They told me they couldn’t stop the transfer, and I would have to file a fraud claim. Which I did, police report whole 9 yards. After a few weeks, they proceeded to tell me that they couldn’t honor it because it was verified by my phone. Well, clearly stated in the police report that it was stolen… Just know when you put this app on your phone, you are basically saying who ever has your phone, also has complete access to all of your money. Absolutely terrible Bank, I am disgusted in there treatment of customers. 1 star is far to many, and I’m an 11 year customer. Should have switched along time ago.

6 years ago, SEGGES1963

PLEASE BRING BACK EASY SIGN-IN

PLEASE! PLEASE! PLEASE! Bring back the ability to sign in with fingerprint! I had to upgrade my iPhone at the end of last year. I was able to sign in using my fingerprint like I did with my iPhone 5, but that soon changed. I’m assuming there was a software update for my phone because at some time in Jan 2018, I was no longer able to sign in. I had a heck of a time with it and tried getting help through customer service (phone call) AND visiting a local branch to try to figure out how to get the option to open the app with my fingerprint, again. The branch people were just as frustrated as I was and said that you all were probably aware of the problem and working on it. We’re almost 9 months later and still no fix in sight. Frustration #2: I had to come up with a new password and it has so many stipulations on what it can or cannot be that I ended up choosing one that Apple produced for me. Do you know how frustrating it is to have to recall this new, convoluted password EVERY DANG TIME I need to access my account from the app?!?!?! With all said, I like the ease of use of the app once I’m in it. But I rarely use it any more. At least I’m now able to see my balances with a tap, but it sure is perplexing why you allow that but I cannot make a deposit without having to sign in?!?!?? Bizarre....

1 year ago, dkidaner

Online banking is quick and easy

Online banking is quick and easy especially for seniors! I pay all my bills this way. Saves on having to mail the bills, stamps, trips to Post Office if I am close to a bill payment deadline! Best of all is the ability to check my balance 24/7 and not having to wait for my monthly statement to find fraudulent or extra vendor fees charged to my account! Always knowing my balance helps me stay true to my budget. The ability to deposit checks online saving me trips to the bank is great too! And, check amounts appear in my account just as quickly as making the deposit in person at the bank. All this helps keep me at safer at home away from social distancing and contracting CORVID-19! However, I subtracted 2 stars because I am not able to sign up for the 1.5% cash back program offered when signing off! I am on an Apple iPad using VPN which may have caused this problem! The B of A app has had problems with the Apple iOS in the past. And did not allow me to logon using VPN the first month I used it. Both these problems have been resolved the past month. But, might still be holding me back now!

3 years ago, Mister Boris

Please fix it!!

Completely removed the app and reinstalled. Had to set everything up again. But at least now FaceID had been working for a few days. Hope it lasts. You shouldn’t have to go through all this because of an app update!!! As Ashlyn the developer suggested, I installed the new version. This did NOT help. Face ID scans, accepts the scan then immediately says “connection error - cannot complete your request at this time”.So I have to sign in with my password. I go into settings to try to turn off Face ID (which is set for the wrong set of accounts now) and it will not turn off face ID. I get another message that says “connection error cannot complete your request at this time”. BTW – face ID still works for my other apps that have face ID. Please fix this - this is annoying. Passwords disappeared. It took at least 7 tries to reset them. Kept having to receive verification codes in a seemingly endless loop. And FaceID is no more. I used it for my personal accounts and not for my business accounts. But after this app update, it switched without my doing it. Now it won’t turn off in my business accounts so I can turn it back on for my personal accounts. It always says can’t complete your request. Try again later. Never works!

6 years ago, arbutus_heights

App is great, “Erica” needs work

So the app was my favorite finance app: all the info in one place, easy to view and navigate. Until the “Erica” feature was launched. I’m not sure what the value-add is; I don’t want to talk to my phone about my banking, or spend time typing in questions, when you can get to pretty much everything with a few taps. The biggest pain point is that there obviously wasn’t much thought put into the Erica UI. There’s just this big red button that hovers over your screen, and - get this! - there’s NO WAY TO GET RID OF IT. Either it’s in the way of the balances you’re tying to view, or you drag it out of your way with every screen you go to. Not to mention that its default position is right where people who hold phones in their right hands swipe to scroll. One accidental tap and you’ve got this thing talking to you. I get it, some people like to talk about their banking out loud (and sometimes even in public, which doesn’t seem like the best idea). And some people get into Siri-like interfaces to apps. This one feels like someone at BofA decided they needed a shiny AI app so they could be like the cool kids, but forgot to budget for finding out what their consumers actually wanted.

6 years ago, woodspartyof4

Good overall

I use this app all the time and have had a lot of success with it. There are 2 things about this app I would change if I could... 1) In online bill pay when you use the desktop version you can see when your last payment was sent and for how much under the payee information. On the app you have to click on the payee information to see it which opens a payment that you have to cancel out of if you don’t want to actually make a payment. It’s lots of clicks and it would just be easier if recent payment information was listed under each payee when you are in the online bill pay screen in the app. 2) I wish I did not have a monthly mobile deposit limit. My husband works out of state which is the main reason we use a national bank like BOA, but he is currently in a state with no BOA and when he gets paid off of a job he has to snail mail me the check so I can go to a banking center or ATM to deposit it after we hit the online mobile deposit limit which is usually the first week of a new month. Why is a limit necessary?! Other than that I love the app and use it all the time!

3 years ago, nix09378

By far the worst bank I’ve ever experienced

The experience I have had in the short period of time with BOA has been nothing more then disappointing and a burden in terms of my time... on so many different levels. First and foremost the multiple times this bank has put my card on a fraud alert... all in the same day... after having spoke to Customer service dealing three different representatives on 3 different occasions... not to mention having money taken from my account and having zero empathy from any customer service rep aside from two. I myself work in customer service and this company should be applaud with the way they conduct business... I plan to tell all friends and family to steer away from doing bussiness with this company. They lack any and all source of communication. I have never had such a terrible banking experience. I wish I had never left citizens bank to join this bank. I’m just so dissatisfied with having made the discussion to bank with such an unprofessional and unethical banking institution

4 years ago, Jack Kaugh

Easy, fast, secure and Uber convenient

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.

3 years ago, TonySantana247

DONT BANK HERE

Bank of America is by far the worst bank I have ever used. The constant overdraft fees even after the overdraft was paid only to be told that because the fee was waived once for a mistake you guys made it could not be waived again even though you guys charged me WHEN I NO LONGER HAD AN OVERDRAFT more that once. the amount of times the date for a deposit of a check has been made after being told I would receive my money on a specific day. and the amount of times money was taken from my account without notice or showed up on my statement has made me lose complete trust in this bank I will be sure to never recommend this bank and inform everyone I know of my experience with this bank. I made sure to put 5 stars so that you read this and realize you guys have taken so much money from me in the most sensitive time with COVID it has been so hard to afford even buying groceries weekly and for you guys to take my money on top of that? You do not care for your customers only for your pockets.

Description

Bank conveniently and securely with the Bank of America® Mobile Banking app for U.S.-based accounts. Manage Accounts • View account balances and review activity • Activate or replace credit/debit cards • Set alerts for important account info Transfer Money and Pay Bills • Securely send and receive money with Zelle® using a U.S. mobile number or email address¹ • Transfer funds between your Bank of America and linked Merrill accounts • Pay bills Check Deposit • Take photos of checks to deposit them • Get immediate confirmation that your check is processing² Erica, Your Virtual Financial Assistant³ • Ask Erica to find transactions, pay bills and more • Get valuable alerts, and helpful insights Security • Set up Touch ID® / Face ID® • If fraudulent activity is suspected on your card, we’ll notify you • View security center • With our Mobile Banking Security Guarantee, you’re not liable for fraudulent transactions when reported promptly⁴ Manage Investments with Merrill • Trade stocks, ETFs, mutual funds • View up-to-date Market data, news, and quotes • Send messages and documents securely to your advisor See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for more information. Mobile carrier message and data rates may apply. ¹ Zelle 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. Erica is only available in English. 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. Investing involves risk. There is always the potential of losing money when you invest in securities. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp"). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. ("MLLA"), a licensed insurance agency and wholly owned subsidiary of BofA Corp. Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly-owned subsidiaries of Bank of America Corporation. Investment products: • Are Not FDIC Insurance • Are Not Bank Guaranteed • May Lose Value All features may not be available in iPad and may only be available for certain account types. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. iPhone, iPad, Touch ID and Face ID are registered trademarks of Apple®, Inc. Bank of America related trademarks are trademarks of Bank of America Corporation Bank of America, N.A. Member FDIC