Bank of America offers mobile banking through its official app, available on iPhone and Android devices
Yes. Bank of America provides a mobile banking app that works with most checking and savings accounts held at the bank. You download the app to your phone, sign in with your username and password, and access your accounts from there. The app is free to download and use if you already have a Bank of America account.
The app is called Bank of America Mobile Banking and is the main way the bank delivers mobile services. It is not a separate product you purchase—it comes with your account. If you have a checking account, savings account, credit card, or loan with Bank of America, you can typically use the same login credentials to access all of them through the app.
Key Takeaways
- Bank of America's mobile app is free and works with most personal and business accounts at the bank.
- You can check balances, transfer money between accounts, pay bills, deposit checks by photo, and send money to other people through the app.
- The app requires you to set up a username and password, and Bank of America offers optional two-factor authentication to secure your login.
- Mobile banking is available 24/7, but some transactions like wire transfers may have cutoff times that vary by day and time of day.
What you can do in the Bank of America mobile app
The app lets you perform most routine banking tasks without visiting a branch or calling customer service. You can view your account balance and transaction history, transfer money between your own accounts, and pay bills to merchants or individuals. You can also deposit checks by taking a photo of the front and back with your phone camera—the bank calls this mobile check deposit.
You can send money to other people through Zelle, a peer-to-peer payment network that Bank of America has integrated into its app. Zelle transfers typically arrive within minutes to hours if the recipient also uses a bank that supports Zelle. You can also set up automatic recurring payments for bills that come due on the same date each month.
Additional features include the ability to lock or unlock your debit card, view your credit score if you have a Bank of America credit card, and contact customer service through the app. Some accounts also allow you to request a wire transfer or cashier's check through the app, though these may require additional verification.
How to set up mobile banking on your phone
Download the Bank of America Mobile Banking app from the Apple App Store or Google Play Store. Open the app and select "Enroll" or "Sign Up." You will need your Social Security number, date of birth, and the phone number associated with your Bank of America account. The app will ask you to create a username and password if you do not already have online banking credentials.
After you create your login, Bank of America will send a verification code to your phone or email. Enter this code to confirm your identity. Once verified, you can log in and see your accounts. The first time you log in, the app may ask you to set up additional security features, such as a fingerprint or face recognition login, which is optional but recommended.
If you already use Bank of America's website for online banking, you can use the same username and password to log into the app. You do not need to create a separate account.
Security features and how to protect your account
Bank of America uses encryption to protect data sent between your phone and the bank's servers. The app also supports optional two-factor authentication, which means you can require a second verification step—such as a code sent to your phone—each time you log in from a new device.
You should enable fingerprint or face recognition login if your phone supports it. This prevents someone who gains access to your phone from logging into your account without your biometric data. If you lose your phone, contact Bank of America immediately to report it and request that your mobile banking session be terminated remotely.
Do not share your username, password, or any verification codes with anyone, including Bank of America employees. The bank will never ask you for your password through email, text, or phone call. If you receive a message claiming to be from Bank of America asking for sensitive information, do not respond—contact the bank directly using the phone number on your account statement or debit card.
Transaction limits and timing for mobile banking
Bank of America does not publish a single daily limit for all mobile banking transactions. Limits vary depending on your account type, your history with the bank, and the type of transaction. For example, mobile check deposits may have a daily limit of $2,500 or higher depending on your account. Peer-to-peer payments through Zelle typically have lower limits than transfers between your own accounts.
Most transactions process immediately or within one business day. Transfers between your own Bank of America accounts usually show up within minutes. Transfers to accounts at other banks typically take one to three business days. Bill payments to merchants may take one to five business days depending on whether the merchant processes payments electronically or by mail.
Wire transfers and some other transactions have cutoff times. If you initiate a wire transfer after the cutoff time—usually 2 p.m. Eastern Time on a business day—it may not process until the next business day. Cutoff times vary, so check the app or contact the bank if you need to send money urgently.
Troubleshooting common mobile banking problems
If you cannot log into the app, first check that you are using the correct username and password. If you forgot your password, tap "Forgot Username or Password" on the login screen and follow the prompts to reset it. Bank of America will send a reset link to your email or phone number on file.
If the app crashes or freezes, try closing it completely and reopening it. If that does not work, restart your phone. Make sure your phone's operating system and the Bank of America app are both up to date—outdated versions can cause performance problems. You can check for app updates in the Apple App Store or Google Play Store.
If a transaction does not appear in your account after the expected time, wait one full business day before contacting the bank. Transactions sometimes take longer than the estimated time, especially if they involve another bank. If a transaction still does not show up, or if you see a transaction you did not make, contact Bank of America customer service through the app or by phone.
Alternatives if you cannot use the mobile app
If your phone does not support the Bank of America app, or if you prefer not to use it, you can access your accounts through the Bank of America website on a mobile browser. Open any web browser on your phone, go to bankofamerica.com, and log in with your username and password. The website is designed to work on mobile phones, though some features may be limited compared to the app.
You can also visit a Bank of America branch in person to conduct banking transactions, call customer service at the number on your debit card or account statement, or use an ATM to withdraw cash or check your balance. Some transactions, such as applying for a loan or disputing a transaction, may require a phone call or in-person visit.
Frequently Asked Questions
Do I need a minimum balance to use mobile banking?
No. Mobile banking is a free feature available to all Bank of America account holders. You do not need to maintain a minimum balance to download or use the app. However, some Bank of America accounts have minimum balance requirements to avoid monthly fees—check your account terms to see if yours does.
Can I open a new Bank of America account using the mobile app?
No. You must open a new account through the Bank of America website, at a branch, or by phone. Once your account is open, you can manage it through the mobile app. The app is designed for existing account holders to view and manage their accounts, not to create new ones.
What happens if I deposit a check through the app but the photo is blurry?
Bank of America will reject the deposit if the image is unclear or incomplete. The app will notify you and ask you to retake the photo. Make sure the check is well-lit, the entire front and back are visible, and the text is readable before you submit it. If the bank rejects your deposit multiple times, deposit the check in person at an ATM or branch instead.
Can I send money internationally through the mobile app?
Bank of America does not offer international money transfers through the mobile app. You can send money to other people in the United States through Zelle or to your own accounts at other banks. For international transfers, you will need to visit a branch, call customer service, or use the website.
Is the mobile app available outside the United States?
Yes, you can use the Bank of America mobile app from outside the United States as long as you have an internet connection. However, some features may be limited depending on your location, and the bank may flag unusual login locations as a security measure. If you are traveling, contact Bank of America before you leave to let them know, or be prepared to verify your identity if the app asks you to.