Bank of America Online Banking

Bank of America Online Banking Reviews

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Overall Rating
2.4 out of 5
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About Bank of America Online Banking

Headquartered in Charlotte, North Carolina, Bank of America is one of the largest banks in the U.S. and offers a range of banking products, such as checking and savings accounts and certificates of deposit (CDs). Customers can also use Bank of America for financing through various cash-back credit cards, personal loans and home and auto loans.

Bank of America Online Banking Reviews

ConsumerAffairs has collected 253 reviews and 690 ratings.

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Page 1 Reviews 0 - 10

Reviewed Nov. 6, 2023

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.

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Customer Service

Reviewed Oct. 24, 2023

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.

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    Customer ServiceStaff

    Reviewed Oct. 13, 2023

    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.

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    Reviewed Aug. 26, 2023

    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.

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    Customer ServiceStaff

    Reviewed June 22, 2023

    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.

    I even explained what the gentleman I spoke to yesterday told me and they were beyond rude and said I would have to wait 10 business days for an investigation to get my money. I am disabled and receive SSDI each month. This leaves me without the money to get my prescriptions. They didn’t even ask to see or send them the receipts I have. Both the rude representative I spoke to this morning and his “manager,” stated there is nothing they can do. I want and need my funds returned immediately. I don’t have the luxury of waiting 10-12 business days for my $417 to be held. I will be pursuing every avenue possible for something to be done regarding these crooked banks and what they put their vulnerable customers through. This is wrong and crooked in every way possible. Please heed my advice and do not bank with them. I promise that you won’t regret it.

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    Verified purchase

    Reviewed June 18, 2023

    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.

    The bank lied to me and states I have recurring charges with this fraudulent merchant. I’m waiting for a new debit card that has not arrived in the mail as of yet, but recurring charges shouldn’t be “recurring “ if my new card hasn’t arrived yet? It is not up to the bank to update any card for recurring charges without the customer knowing about it. They’re taking almost a month to investigate, going over and not following rules and regulations for a 10 day investigation. It’s almost a month of investigation. That’s not what was told to me through 5 different representatives.

    Now I’m 2,483 short after having direct deposit with this bank from a job I work 6 days a week at, which is two checks In the hole and the bank does not want to give me my money back. I’ve called the FDIC to file a complaint on this bank as well as the Comp control office and am waiting patiently for my attorney to provide me with the appointment date. I’ve stopped all business with this bank and if I were you, I would do the same. DO NOT DO ANY BUSINESS WITH BANK OF AMERICA!!!! I have an appointment with consumer affairs to get this whole thing investigated as well as the “higher ups” in the “back office” whom are the ones calling the “shots” about this matter. Every representative had a different story and time frame for me of when this will get situated. We have a serious problem and I will go all the way for my innocence. This needed to be documented and revealed for any future discrepancies.

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    Customer ServiceOnline & AppStaff

    Reviewed April 13, 2023

    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!!!!

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    Customer ServiceContract & TermsStaff

    Reviewed April 12, 2023

    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.

    One month later the business credit card declines when I attempt to use it. I called BOA the phone representative said they FORCED closed it. I never received any paper work such as a bill for this forced closed credit card. Fast forward 3 months later I receive a call from the fraudulent department about transactions on the business bank credit card. I admit to one transaction and ask to pay it. The representative at the time allowed me to make a payment towards the balance. When I called 30 days later to make the final payment I was told I cannot make a payment on a closed card. I have never received a bill but how when the card is closed. I understood but I needed to make the payment. Bank of America went into my personal pre paid account under my social and withdrew money for a business credit card balance opened with my EIN number.

    When I made a complaint to BBB - Cindy ** and her associate Sandra ** Senior Operations Support Specialist refused to reply to the BBB and indicated they sent a letter of resolution. I never came to an agreement. They never address the fraudulent activity from day one of opening that account. They didn't address connecting 2 accounts under two different names without permission. They sent a letter in the mail that stated - I suggest you make sure your bills are paid because the account is overdrawn. The email sent by Cindy said the same thing. WOW My pre paid BOA account was left overdrawn by BOA. Crappy company. The business account was garbage from day 1. I closed my business account.. customer service a waste of time. This may be a start of identity theft. Be careful with this Bank. BE CAREFUL.

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    Reviewed March 27, 2023

    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.

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    Customer ServiceStaff

    Reviewed Nov. 18, 2022

    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!".

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    Bank of America Online Banking Company Information

    Company Name:
    Bank of America
    Company Type:
    Ticker Symbol:
    Year Founded:
    100 North Tryon St
    Postal Code:
    United States