Bank of America Online Banking Reviews

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.

I went to an ATM (M&T Bank) in the Chesapeake Exxon in Annapolis, MD to withdrawal money to pay for tires that I needed to make it home from the doctors. Every time I tried to withdrawal the funds it was declined due to an “ERROR CODE = 3-DA001(10). I tried three separate times, all three were declined with receipts stating $0.00 dispensed $400.00 Requested. I contacted the number on the ATM who told me I would need to contact my bank (Bank of America) because it was a terminal error. Last night (6/21/23), I spoke to a representative from my bank who stated that because it was still processing to call back this morning. I called my bank (Bank of America) this morning stating what happened and the receipts I have showing $0.00 was dispensed and they stated that they would have to do an investigation because on their end it states the funds were dispersed even though the receipts state $0.00 was dispensed.

My card was comprised for a few fraudulent transactions. I requested a new card and reported these transactions. The new card didn’t come in the mail as of yet, which I was waiting for already 2 weeks after, and they let another fraudulent merchant go into my account and dismantle it over 2,483 dollars! I reported this immediately. No one contacted me and my account was in the negative for over 1119.43$ for over 3 weeks. I don’t have over draft protection, and was waiting for a new card to arrive that didn’t arrive, when this transaction occurred. Since I don’t have overdraft protection, they should have kicked this charge back like they do every other charge when I’m at least a dollar less in my account for a charge! They decided to keep the fraudulent charge on my account for over 3 weeks. Only reason why it’s not in the negative now is because of my direct deposits that I didn’t see an inch of it for over a month.

I was trying to add a new bill-pay, but the page does not accept the account number we have with the vendor. Of course there was no explanation as to why, or what is expected. I attempted to find an email address to ask for support, but no luck. BoA des not want to support its customers. Then I called 2 of the support numbers listed on the website, but only was only getting a plethora of useless options. BoA does not offer an option to talk to a representative. They obviously don't want to talk to their customers, and you have to be lucky to find a branch office that is still open nowadays. Bank of America sucks!!!!

I opened a business account under my business name and EIN in February 2022. I used Bank of America because I had a prepaid account and it seemed like an okay bank. However with a prepaid account I can only use the ATM or call. I cannot go into the branch for any transactions. When I opened a business account online they also sent me a business credit card. I never applied for that. I called and asked is this is the process to just send over credits cards when someone request a business account. The representative didn't have an answer for me but to say, "You requested it." I never gave permission to run my credit so I never applied for the card. The phone representative indicated it's my business bank account credit card. My prepaid and business accounts were never merged.

Bank of America has frozen me account and will not allow me access to my money. They state the Risk department put a hold on the account for 180 days. They will not even allow me to transfer the money to another account. Bank of America has stolen my money. I’d give 0 stars if I could.

Online instructions for opening a checking account, for managing a credit card account and for obtaining reward funds from use of credit card are incomplete or misleading. Several separate telephone calls were required in order to complete each of these simple transactions. The agents are patient and friendly but hopelessly ill-informed and must check constantly with higher authority before proceeding to complete a straightforward customer request. I've wasted more time dealing with Bank of America and its self-serving policies than with any other bank with which I have done business in the past. I won't bore readers with additional details, instead, I'll simply close with a few words to those who are pondering the pluses and minuses of dealing with B of A: "DON'T SAY YOU HAVEN'T BEEN WARNED!".