Bank of America Online Banking Reviews

The only bank I know that sends you a message and you cannot view your response to them. Just very convenient to rip off consumers and be responsible for nothing. After 34 plus years of banking with this bank. I just can't stand them any more. Can even view a bill on bill pay, just sickening.

I have really bad experience with this bank. Look like this is American bank. I try to keep calling bank every month to straighten out my balance and if I made payment on mobile app still not going on their side my bank is already showing made payment. Look like I am playing toy bank app. I really don't know how is like this kind bank run on America. Why is government not looking this kind bank.

Rosemarthe ** was exceptional is helping me straighten out my payments which were being duplicated monthly. She took the time out to acknowledge what was going on and guided me through it with patience and efficiency. I truly respect and appreciated all that she has done for me.

I tried to log in to my Savings account this evening to check the balance. All of the sudden, my password stopped working. I find this very strange given the fact that I have been using this same password for 15 years now and it is saved in my browser so there's no chance I made a typo. I called Customer Service and she told me that my password expired because it was too old???? They can't send out an email, text message or call me to tell me my password is about to expire???? That leads me to believe that either a) they don't give a crap about their customers and/or b) they are COVERING UP for a possible security breach.

February and March of 2025 I made 2 fraud claims for over 5k from the same merchant. They kept closing and opening the claim. After me getting a stroke I stopped trying anymore. Customer service has been very rude. I’m terminal and all this has caused me a lot of stress. Over 5k was taken out of our account leaving us in debt & no money. I’ve submitted 11 documents verifying everything including a police report. On September 16th they closed one of the claims in my favor for $1700. When I called to check on the other claim they were not trying to fix it! They keep telling me I have to wait 45 days more and it’s been since February of this year. Way passed 45 days. They made us feel like we’re doing something wrong trying to get our money back. We trusted Bank of America to not let our money be taken away and they failed us miserably!

Outstanding Support and Expertise from Satinder **. I recently worked with Satinder **, Business Solution Advisor at Bank of America, to open a new business account, and the experience was truly exceptional. The process of setting up a new business account can often feel complicated, but Satinder's guidance made it clear and seamless. What stood out most was their commitment to education and client understanding. Satinder didn't just process the paperwork; they took the time to thoroughly explain the different solutions available, ensuring I understood the implications of each choice for my specific business needs.

I've been trying to make a payment on my car loan for weeks. I had to file bankruptcy, but can't lose my vehicle. I was told I could continue to make payments as promised and finish the contract so I can own/keep the vehicle. It's been weeks and I cannot get in touch with a person. I was told I cannot create an online account because of the bankruptcy. I have one for my mortgage payment, so I don't see why I can't have one for BOA. I pay my mortgage early, but I'm behind I don't even know how far now on my car loan. I don't want to have to start over on a car payment because it was half way through the contract and I don't want to have to add time to another car payment.

I would give 0 stars if I could. BOA online payments for their credit card is beyond dysfunctional. I have been calling and trying to set up auto pay for three weeks. Every time, I am told my bill pay account is inactive and has been set to activate in three business days. After three business days, I log on again, no option of bill pay or auto pay. I end up having to call again and the cycle repeats with no resolution. It's absolutely ridiculous. There is no other company I have ever dealt with that made it this hard to simply pay a monthly credit card bill. I have an outside checking account from which I pay. There is no way I would ever open an BOA checking account based on my own experience. To find that others are experiencing the same level of dysfunction with BOA is even more upsetting. This bank certainly has the resources to fix these problems. When will they do so? Why haven't they done so?

Updated on 06/12/2025: For the past six weeks, I have been trying—unsuccessfully—to resolve a serious issue with Bank of America. I made the mistake of enrolling online for a checking account and initiated an opening deposit of $1,000. That money was misapplied, and despite numerous attempts to get answers, no one at BOA has been able—or willing—to resolve the issue. Each time I call, I am on hold for no less than 1 hour and 45 minutes. When I finally reach a representative, I’m transferred from department to department, often spending up to two hours on hold each time. Representatives have provided false information, including claims that the refund was rejected by the initiating bank—which was untrue. I’ve also been told I’m being transferred to departments that don’t exist, only to be placed back in the call queue with no resolution.

Bank of America has the worst online banking which their own employees do not understand. I have had a longstanding issue with setting up one of my credit cards for ebills and autopay. I have called numerous times and spent hours on the phone with each agent promising to rectify the problem, to no avail. They have ebills but you cannot add a bank of america account as the funding account. This makes not sense. You also have two account profiles and only one is used. This is also illogical. No matter how many times you call, no one in Bank of America understands its system well enough to fix the issue.

Very very poor service. Website always stuck. The worse bank and transaction fees high. Website not working all the time. You have to wait 2-4 days wire transfer or exchange rate too high. Website not working.

My experience with BOA was horrible. Their online system has a lot of glitches which affects how we pay, this results in late fees even though it’s THEIR system and they admit fault. Their customer service is terrible too.

I was still trying out B of A. I already have too many apps & I just wanted to bank online through Google. I went to the credit card site & was told I couldn’t make a payment & had to go to the online banking page to enroll in “Bill Pay” (stupid) but it didn’t provide that info. I had to try a few times to get to the specific “secret” page. I pressed the link to pay but it directed me to a, “no longer in use” page. I found another possible page but was locked out after only 2 tries so I called customer service in the middle of the day & was told, they were experiencing a high volume of calls. All the while, I am trying to pay my bill I am constantly being told to DOWNLOAD APP. I see why they have such a low rating. I give up on try to pay my bill online without using the app. I will get the $300 reward for charging $1K, cancel & move on. With all the competition out there why the heck would you make it so hard for someone to just pay their bill.

My new car is financed thru Bank of America. Darn near impossible to open an online account. The app is just as bad. After giving my loan account number and social security number I get the message "Online banking is not available to you at this time". Was directed to call 800 number. I've either been disconnected after being on hold for 10 minutes or longer or never receive call back. At this point I'm just going to head to a local branch and tell them to set it up.

Worse bank to do business with, I'm being victim of fraud. When I had to call customer service horrible wait time 40 minutes and never help me. The mobile app a disaster also, never can do anything with.

I waited on the phone for 1 hour and 15 minutes to talk to a customer service rep just to get help with the mobile account. This was AFTER going to the bank to seek assistance. This Bank is absolutely Horrible!!! They need to revamp the entire customer service department. Most major companies at least give you the option to leave your number for a callback…. But not this bank. I am going tomorrow to withdrawal all my money from this institution.

I had been a customer from 1986 until 2025 They decided they needed to update my information. So they closed my accounts until it was done blaming me saying they could not reach me. Although I’m on their app daily. I found out my accounts were closed when I tried to make a purchase. So much for customer loyalty!!

I only had CDs with them which I opened online and it took them 2 weeks to locate the funds that was 2 years ago so this year I decided to close those CD- it took them forever to process this request - I never dealt with such employees - as someone already said you feel like you in the Walmart not in the biggest bank... They need to do more training and invest in technology.

Bank of America services has totally went down the drain!! I deposit my check through the mobile app and it tells me my funds are not available for 6 days.😡 Went to the branch and called Customer service, nothing they can do about it and now I have a bill that has to be paid and they will not give me any emergency funding of the money I put in my account!! The check cleared 24 hours ago and no money!! This bank is worst than Wells Fargo!! I will be closing my account ASAP. 1 out of 5 stars. They need to all close down. Customer service was no help at all. She just reading her script and saying I agree.🤷🏾‍♀️ Worst bank ever.

Impossible to log into online banking. Required authorization codes are not sent, either by text or email. Calling customer service means listening to music and ads. ALL OTHER MEANS TO CONTACT BofA REQUIRE THAT YOU LOG IN FIRST!?!? WHAT MORONIC, IMBECILE DESIGNS SUCH AN INSANE SYSTEM???? Phone, email, and authorization codes for other accounts work fine, so the problem is definitely with BofA. I live off the grid and access my accounts about once a week and have limited online time So this kind of IDIOCY from BofA is a real pain in the **.

Bank of America is harboring fugitives to keep them from going to prison because they stole my Securities and credit from my business banking account and shut the account down! This matter has been going on since 2018 January 18. Their same identifying number is the same as my old court case Cusip number back in 2012-2013. My discovers has exposed some very dark warlock spells work against my identity! They have covered up lie after lie against whom I really Am, stole my covenant story (Oath to The Most High Supreme I Am that I Am) for their own financial gains and paid hit men to harm my 9 year old daughter and I. They did this to cover up their RICO against my life and ESTATE/Living Trust! I'm an innocent law abiding woman but they won't stop targeting us!!!

I have an account w/ Bank of America in Chico, Ca & they told me that they were going to close out my account. They said I made too many "claims". Long story short, that was a month & a half ago. I am on SSDI. My check for June mistakenly got deposited into the BofA account & they are still as of today 06/05/2024 refusing to give me my check & I also have over $600 on top of my $1189 SSDI check. Due to the fact that BofA refused to give me my check I am not able to pay my rent & I'm getting charged a $75 late fee which I cannot afford. There is absolutely nothing pending. I do not understand why they are doing this to me. I am a 67 year old disabled woman. & I do not know what to do or who can help me.

I have been a personal banking customer for 5 years with BOA. I opened a business account online with Bank of America. I had to submit a verification of address before my application was approved. I received ATM cards in the mail. Few weeks later I couldn't log into my online banking portal, only to realize that the account was closed because my identity could not be verified. Meanwhile, no one reached out to me or emailed me to provide proof of my identity. I only received a letter in the mail regarding the closure. I called customer service and the agent sounded so robotic and non sympathetic. He also had no clue as to the reason for the account closure and made no efforts to research! I'm disappointed in BOA but I'm just glad this happened now than later.

I have been a customer for over 12 years, and to get treated like my business doesn't matter or I'm just some piece of rag on the floor I'm over it, I feel like they profile you and no ounce empathy at all. Boo!! Bank of America and on to Chase!

Recent contact spoke to associate Senida. The personnel speaks clearly, is friendly, courteous, astute searched the data requested, went out of her way to locate record, knows her job criteria, was efficient, addresses the customer with respect. Issue resolved.

I did a Zelle transaction to my other bank institution and Bank of America never sent the money. They sent me an email saying the money was not going to deposit. When I showed them this they were like, "Oh, give us seven days." It's been three months and I have not seen my money, now they're blaming the other bank which it shows nothing in the other bank. I have showed them proof and they have not fixed this problem.

Zero customer service whether it is online, drive thru or in person. Depositing a 35k check I was treated as a criminal on Lehigh Street; online I have never been able to receive the respect that all customers should; and a fraud issue that encountered cost me more than $900 dollars.

Please get out of this bank. They bounce checks over 200.00 at their discretion for "possible fraud". If you accidentally Overdrawn your account, do not pay your creditor another way. BOA will auto try three times through bill pay which you cannot stop. Good luck trying to close the account. When a check comes in they think is fraud, don't bother calling the check fraud department either. I verbally proved it was me by answering their questions. Then advised boa to not resubmit the check because I paid them with my new checking account from my new bank. Did they listen, nope. Wrote numerous emails, messages, to Jolly Oneill. The million dollar making CEO of customer service. She never responded. This bank doesn't care about the customers. They were fined for double-charging customers founle fees!!! They still are committing illegal practices.

This stupid bank is a fraudster during the pandemic. Now, they want to speak about security of your account. All the corporate company with so many agents but can't come up with a scenario when someone lost their wallet. They make it impossible for the account owner to access their account but yet easily gives it away to thousands of fraudsters. Please don't even speak of security when you are a white collar criminal. I'm very glad that it came to an end but it only ending soon in 2024 because they ate all the freakin' pie and now wants to walk away > and slowly erase their trail.

I was thinking why the abusive language created, now I got the answer. I have 5 business accounts with Bank of America, there was an unknown charges on my account. After a 68 minutes hold the rep was unable to provide me the merchant details because of security reason. It is better to be patience on fraudulent charges rather than calling the helpline. Planning to switch my accounts to a local bank.

Bank of America opened my business account. They never mailed out the welcome package with signature cards, or Debit cards for the account. However, they charged me monthly fees, that they refuse to refund. I will be closing the account today. I will not be returning. There are too many other banks that are honest.

I opened an account online at Bank of America and it was relatively easy until they closed it 3 1/2 weeks later, just as my direct deposit was going in. Direct Deposit was rejected but not back to employer account yet. No one will talk to me at BOA unless I can provide the last 4 digits of a card, opened 20 years ago, that has a paid off credit balance. Terrible experience. I do not know why people stay or how the company stays in business.

I just spent almost 2 hours trying to get an actual person through their Customer Service network, as well as at the local branch, with absolutely zero result. Now I have to drive to the nearest location half an hour away to ask one simple question. But I will use the opportunity to close the account and take my business elsewhere.

I recently had a BofA customer service rep steal $1,000 from my account which is still SLOWLY!!! being investigated. I consistently have to get holds removed (Bi-weekly eDeposit+Withdrawal=suspicious activity somehow) to make simple withdrawals and equally as infuriating as they speak sooo slowly over the phone with no urgency that it seems they intentionally want the call to drop.

I've been a client for a long time and they don't do anything to help you.. They don't even try. I'm planning to moving to another bank, like if the other ones wouldn't be the same.... Anyways, Terrible service.