Bank of America Mobile Banking Reviews

BankofAmerica 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 BankofAmerica “analyzed”. On every single one I’ve adjusted the amount manually and because of BankofAmerica , 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 BankofAmerica 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, BankofAmerica is great. ( no sarcasm intended).

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.

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 new Bill Pay section is poorly designed trash that has ruined BankofAmerica experience. Not only is it ugly, it does a poor job of visually integrating with the rest of BankofAmerica . 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 BankofAmerica 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.

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

I don’t know what’s wrong with the BofA IT department or equipment, but BankofAmerica 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 BankofAmerica 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. BankofAmerica does not seem to save the authorization, as every time you go back to the authorization page it asks you to agree again. BankofAmerica says you can use your watch but it doesn’t seem to communicate that to B of A’s system.

Update: BankofAmerica 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.

I have used BankofAmerica, 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.

I really appreciate the alerts feature of BankofAmerica, however the ability to acknowledge them and clear them without having to log into BankofAmerica 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 BankofAmerica 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.

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. 😒

I’ve been using BankofAmerica 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 BankofAmerica 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. BankofAmerica designers should be people that actually use BankofAmerica frequently! Take a step forward and take the Bill Pay section back to what worked well for years!

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 BankofAmerica . 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 BankofAmerica 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.

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.

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!

Completely removed BankofAmerica 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 BankofAmerica 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!

I tried to set up auto pay to automatically pay the whole balance every month. No can do. BankofAmerica automatically schedules the minimum payment every month. No way to change on BankofAmerica . 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.

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 BankofAmerica 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 BankofAmerica is not working correctly. Very disappointed in BoA. UPDATE: I received a note from BankofAmerica 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 BankofAmerica 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 BankofAmerica would be a 5 star app.

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?

Update: ashlyn replied to my email inquiry. Will raise the rating if issue becomes tangible

First, a super longstanding bug, within the alerts section from the menu tab is a history of alerts. They refuse to clear. It says swipe left or press-to-hold. That hasn’t worked for well over 2-3 years of reporting this. I’ve called customer service countless times and provide countless screenshots. As recently as 6 months ago they guaranteed that the next version would fix this. Nope, continues to be broken. I’ve continued to provide myself as an outlet to show that the bug still exists but no dice.

Secondly, no matter how many times users clamor for dark mode, all you ever hear is “stay tuned”, “we’re passing this on to our developers”. Not every feature request from every user can realistically be met, but with how popular this request is, it’s a shame there’s not a single tangible comment they can provide. Are they at least trying to prioritize this for some point in 2021? Would be such a win to hear anything, but that will not happen and when 99% of major apps have already incorporated this years ago, it’s unfortunate that we support a bank that can’t keep with the technology on the mobile-front

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)

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 BankofAmerica 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 BankofAmerica ) 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 BankofAmerica 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.

I am not sure why the notification button needs to be out on its own on the upper left side of the screen. Every time when BankofAmerica reacts slowly (which happens a lot actually), I will click the exit screen multiple times. And when BankofAmerica actually reacts, it always takes me to the notification screen, which will first ask me if I want to customize or quick setup. Once I selected either, a notification window will pops out to ask if I want to change my iPhone notification setting before I can finally get to the screen to exit. The most ridiculous thing is that the every time I click, it will spin forever till it reaches the next stage. The whole process will take me forever and I cannot exit till I get to the notification screen.

I have already set up my notification setting when I first opened online banking. I am not sure why BoA is so obsessed with notifications that it has to be a standalone button on the main page and I have to reset so many times. It’s completely useless and if I really need to change, it should be done within setting, not its own button. I manage bank accounts for my entire family and have multiple bank/brokerage apps. Nothing frustrates me more than this. That space on BankofAmerica should be reserved for something far more important than notification setting and should be something easy to get out if you accidentally click on it, given that’s where you exit the page before.

So far, over the last 10+ years, I have no complaints a with anything that I have called the bank about. The personnel that have assisted me have been both professional, knowledgeable and very helpful. This has been both in person and over the phone various times over the last 10+ years.
I have used billpay at work and at home thru Suntrust Bank, Wells Fargo and small local banks. Bank of America has the easiest online billpay to navigate.
Once you realize that certain features have to be accomplished on a laptop or desktop computer for security, it’s a whiz to use a cell phone or iPad, etc. to do your online banking, including deposits of checks.
I am one of the older seniors (73 years old) who is very adept with computers, although most people assume that if you’re over 60 you don’t know how to use a computer, nor are you able to learn.
I just call BofA support anytime there’s a change and I don’t want to spend the time to navigate the new feature and I’m helped within 5 to 10 minutes.

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 BankofAmerica 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 BankofAmerica ?!?!?! With all said, I like the ease of use of BankofAmerica 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....

So BankofAmerica 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.

I use BankofAmerica all the time and have had a lot of success with it. There are 2 things about BankofAmerica 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 BankofAmerica 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 BankofAmerica .
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 BankofAmerica and use it all the time!

Arbitrarily showing only 3 months of transactions on the accounts transactions search page is not useful, especially for savings accounts. Loading 25 more, and then 25 more, and then 25 more, similarly is a poor interface (after I’ve already clicked “view all” NOT “view a handful” or “view only 90 days’ worth without an option to search beyond the pittance that’s already been loaded.” Please just provide the same viewing and searching features that are available on the computer (or that were already available many years ago when online banking was in its infancy—why are our iPhones LESS capable vis-a-vis BofA than a computer from 2010?). Don’t get me wrong, I do appreciate the online statements in PDF, but the iPhone app _should_ also be made useful for quick searching, etc., of past transactions. Trying to go month-by-month in PDF statements is not fun on the iPhone, when the broader view/search technology would be easy and obvious to implement. It’s bad enough that you keep the inane “view all” button at all, as if the majority of users looking for recent activity only want to see six to ten transactions...

I’ve used all the banks in my area and finally decided to try BOA about 4 years ago. I’m so glad I did. BankofAmerica is my brick and mortar bank now. I rarely have to go to the actual bank now because BankofAmerica is so convenient and has so many services I can complete online. So I’ve opened a credit card, transferred my savings, my business, along with my checking and now my family and friends are too. I have to give a shout out to their customer service at the actual bank as well. People complain about not having a local “down home” type bank, well surprisingly, BOA employees always treat me like I’m a friend or neighbor, and I’m hardly ever there.

The other banks charge money for things that are simply everyday transactions at BOA. Plus, the limits on things like transfers, sending money are higher (thus more convenient) than the other banks, and they’re mostly FREE! I’ve watched my friends and family complain about paying for simple stuff and I keep saying,”go to BOA.” I have the ability to transfer cash for free to anyone just by using their cell phone or email and it’s totally free. I have saved so much money in gas and time because I can pay someone to start a job for me without having to wait to drop off or mail a check. Phenomenal stuff!!!

BankofAmerica is easy to use and if I ever have a question I just call and they’re customer service is incredible. They always beat my expectations.

I highly recommend BankofAmerica and BOA!

How hard is it to make a SIMPLE app?! After the most recent update, I wanted to pay my BOA credit card bill through this stupid app, and I’m not allowed to pay using the former straight forward method, instead, it forced me to add my BOA credit card as a payee in the Bill Pay section, which is so stupid: why do I have to add the BOA as a payee when I’m already using the BOA app?!?! OK, fine, I did it since I don’t have a choice, however, after all these hassle, I found that I’m only allowed to pay from my newly opened BOA checking account, which I have no money there! I can’t pay from other checking accounts, I spent almost half an hour exploring this over complicated stupid app, and clearly there is no other way to pay except through Bill Pay, and there is absolutely no way to pay from any other checking accounts beside the BOA one! I have 5 credit cards from 5 different financial companies, and I use 5 different apps every month to pay my bills and do other stuffs, clearly this BOA app is THE WORST I ever used! To many useless features that no one will ever use, and the user interface is not just bad, it is awful! Whoever develops BankofAmerica and this awful UI should be ashamed by yourselves! BankofAmerica IS A DISASTER!

Your app never seems to work. Every time I go to open it it no longer recognizes my user ID or password. It doesn't even recognize the fingerprint anymore. I have to reset things every time by deleting and reinstalling. This is ridiculous. I don't know what you did to BankofAmerica but whatever you did you ruined it because it just doesn't work. I can assure you that I want to use an app and if this thing does not start working properly I will change all four of my accounts over to another bank that has an app that does work.

I'm updating my review. The stupid thing still doesn't work right. I have to constantly re-do the installation and place user names and passwords in. Twice I've had to change the password for no reason other than the stupid app can't recognize it. Fire your IT people and hire some new ones

Wanted to update. Working great after the above problems finally resolved. My only complaint is they still don’t have a place for a memo when you write a check in BankofAmerica . Seems like a logical thing to put there. I’ve requested it several times but to no avail.

Updated rating: BankofAmerica now has the option to hide the annoying bot button, as noted by the developer response to this review. Odd that it’s not in the version history for BankofAmerica .
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BankofAmerica is largely fine for basic banking transactions (transfer funds, check balances or transactions, deposit checks via phone camera), but the introduction of the bothersome “Erica” bot is an unnecessary annoyance: the button to engage is overlaid on the actual banking content making it easy to accidentally trigger or covering details you actually want; there’s no way to disable it as “Erica” will helpfully confirm; and the bot is sometimes displayed as an even larger block of promotional text. Having a chatbot may be useful to customers for selected services that would otherwise require a call, but forcing everyone to engage with it regardless of their current task in BankofAmerica is quite a user-hostile implementation. I can only speculate that some poor middle manager on Bank of America’s app or marketing team has new job performance metrics tied to the number of Erica button clicks.

BankofAmerica is advertised as giving up-to-the-minute information on your account; that is misleading. I have ran into a lot of trouble because of that promise about BankofAmerica, and that is causing me to move all my banking needs elsewhere having confirmed from Bank of America customer associates on several calls that I should not rely on BankofAmerica for the real-time information on my account. Repeatedly, I have relied on the information provided by BankofAmerica on my account only to wake up to surprising charges. Even when I go to bed with a positive balance on BankofAmerica , I still end up with overdraft charges the next morning, referencing transactions that never showed up on BankofAmerica . It’s almost at the point where I now feel that lag in giving up-to-date status of accounts on BankofAmerica is intentional. For Small Business Owners just starting out and juggling finances, BankofAmerica will ensure you keep you losing money. I’ve started the process of moving my banking needs elsewhere, and it is very sad because I thought Bank Of America really cared about small business owners, and I was wrong.

Whatever you do, don’t rely on BankofAmerica to give you the advertised up-to-the-minute update on your account as advertised.

Bank/app takes too long to post my spendings. I always think I have more than I actually end up having. Not sure how that happens. They blame the places, the places blame the bank. It actually makes sense it’s the bank, bc the places request money right away when swiping card, it’s the bank deciding of when they release money, but also it’s more of when they want to say they paid it. Unless really checked thoroughly in an internal audit that is honest and fair, you don’t know if they are handling your account fairly really. Why DOES it take it so long for transactions to post??? It’s in “processing” for almost 3 days sometimes! There’s other sketchy things I’ve noticed about bank also that I’m looking into. As I actually feel they’re stealing money from me that way, bc one example, if deposit more into account to cover any costs for the future, it deducts from there and all of a sudden the balance prior to deposit, was no more what it was. I will look more into it in my next coming purchases, and then will have to report. This more of a complaint against the bank than app. But bank actually deserves -1 Star so will note it anywhere it has to do with bank until I get to consumer affairs about how they handle accounts.

BankofAmerica is fine it works as well as you’d expect. It gives you the answers to questions the bank wants you to ask. It shows you all your accounts at once so you can see that despite having thousands of dollars in one account the bank didn’t transfer any of it over to your other account. But hey, I can clearly see the -$35 overdraft fee. Kudos BofA you act really fast, I was only overdrawn for a couple of hours in the middle of the night, but luckily your computers never sleep so the overdraft was lightning fast followed quickly by a second one. Hey I spent $70 in my sleep. On nothing. Cool! But BankofAmerica , yes BankofAmerica is awesome I can transfer money from my phone. Only $1000 a day of course - the bank knows I don’t need anymore than that. BankofAmerica is great with sending me messages. They are always 6 or 7 hours after the fact, but hey what’s the rush right? I can also deposit money with a click of my phone camera which is great. Of course the money still takes 3 days to hit my account, but it’s okay the bank knows I can wait - what other option do I have? Right! 😂 So all in all I’d recommend BankofAmerica to anyone who is interested in watching their bank balance deteriorate in real time. Or who likes talking to chatbots named Erica.