Bank of America Mobile Banking Reviews
By Frustrated BoA app user
The notification button is insanely annoying
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 the app reacts slowly (which happens a lot actually), I will click the exit screen multiple times. And when the app 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 the app 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.
Online banking with Bank of America
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.
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.
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)
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....
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.
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!
“View all” and search is very sparse!
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...
Love, love, love Bank Of America & the App
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. The app is my brick and mortar bank now. I rarely have to go to the actual bank now because the app 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!!!
The app 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 this app and BOA!
Can’t pay my BOA credit card bill through Bill Pay
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 this app and this awful UI should be ashamed by yourselves! THIS APP 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 the app 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 the app. Seems like a logical thing to put there. I’ve requested it several times but to no avail.
Intrusive “assistant” bot in otherwise functional app
Updated rating: the app 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 the app.
The app 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 the app 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.
Doesn’t Give You True Picture Of Your Account
This app 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 this app, 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 the app for the real-time information on my account. Repeatedly, I have relied on the information provided by this app on my account only to wake up to surprising charges. Even when I go to bed with a positive balance on the app, I still end up with overdraft charges the next morning, referencing transactions that never showed up on the app. It’s almost at the point where I now feel that lag in giving up-to-date status of accounts on the app is intentional. For Small Business Owners just starting out and juggling finances, this app 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 this app 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.
The app 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 the app, yes the app 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. The app 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 the app to anyone who is interested in watching their bank balance deteriorate in real time. Or who likes talking to chatbots named Erica.
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Is Bank of America Mobile Banking Safe?
Yes. Bank of America Mobile Banking is very safe to use. This is based on our NLP (Natural language processing) analysis of over 1,808,006 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.5/5. Justuseapp Safety Score for Bank of America Mobile Banking Is 100/100.
Is Bank of America Mobile Banking Legit?
Yes. Bank of America Mobile Banking is a totally legit app. This conclusion was arrived at by running over 1,808,006 Bank of America Mobile Banking User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Bank of America Mobile Banking Is 90/100.
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