Bank of America Mobile Banking Reviews

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).

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 the app experience. Not only is it ugly, it does a poor job of visually integrating with the rest of the app. 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 the app 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 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.

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.

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.

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 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!

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.

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 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!

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.

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.

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 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.