Bank conveniently and securely with the Bank of America® Mobile Banking app for U.S.-based 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
• 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
• 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.
• 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
New in this release:
• Now, when you send money with Zelle®, you’ll see your recipient’s full name if they’re also enrolled in Zelle®
• Minor enhancements and bug fixes
Ratings and Reviews
Inconsistent on mobile check deposit.
The app has been amazing for the past couple of years. Unfortunately just recently I’ve noticed when I’ve tried depositing checks. It’s constantly alerting me that the check, I’m mobile depositing, the amount for the issued check is inconsistent to amount I’ve put in. At first I thought “ my customer does have messy hand writing” so I let go. Obviously the sent a red flag to BOA and is holding my check for 5 days. Mind you my account isn’t new for this to be happening. Naturally, I deposited another check thru the mobile app and it’s happening on EVERY check. It’s getting very irritating. I’m supposed to deposit 10 more checks for my small business but on every single one, it’s giving my an inconsistent amount compared to what the app “analyzed”. On every single one I’ve adjusted the amount manually and because of the app, it’s stating for all my checks to be deposited within 5 days because BOA needs to Validate the amount. How is it that for past couple of years this hasn’t happened since I opened my business account. Now all of sudden the app stops recognizing the amount on checks and I have to wait for the checks to be validated. Mind you these checks are for business funds and the business can’t operate without funds. I might be over-reacting but other than that, The app is great. ( no sarcasm intended).
Developer Response ,
Hello, we apologize for the troubles you've had with making a deposit. We continually work to enhance the mobile check deposit functionality in the app, so please watch for future updates. Regards, Ashlyn
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.
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.
Data Linked to You
The following data may be collected and linked to your identity:
- User Content
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- User Content
- Search History
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Bank of America
- 447 MB
- Requires iOS 14.0 or later.
- Requires iPadOS 14.0 or later.
- iPod touch
- Requires iOS 14.0 or later.
- Age Rating
- © 2023 Bank of America Corporation
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