Bank of America Mobile Banking
reviews and complaints

Update: I noticed one of the things I was hoping has finally happened. I wanted there to be instant notifications when my credit card is used, like my other apps do, and I noticed I’ve been getting my notifications as the card is being used vs all at once at 4 am. Initially I just noticed it was with restaurants but it now appears to be with any charges that happen and I’m so happy that this was finally added!

The things I like are having a lot of information on the first screen to be able to quickly see what’s happening with my accounts. It’s easy to transfer between accounts and use bill pay.

The thing that is really lacking for me is the notifications. My credit card through Bank of America is my primary card I use for most everything. I wish it notified me like my other cards so when a charge has been made. Chase, Amex, and Citi give instant notifications through my phone when a charge has been made so it helped me to keep track when family may have used my cards and made going through my charges easier bc I easily recognized them. The notifications through here are vague and delayed. Instead of telling me specifically what charge just went through, it says the amount and that it was a charge. It can be delayed as much as hours or days and then it groups a few together in one notification and typically goes through early in the morning when I’m
Sleeping. So the notifications don’t help prevent fraudulent charges bc of the delay, lack of specifics, and just time of day of the notifications, like my other cards do.

For me, the whole point of receiving notifications with your account info is to make you aware of what’s happening with your accounts and to warn you if there’s something off. The checking/savings notifications are definitely helpful and meet my needs. The credit ones do not hold a candle to what the other companies are doing in regards to that. I’ve been happy with Bank of America and with this app but no matter what I do to change the settings for the credit ones, it just doesn’t provide the information I’m hoping to receive, not in the time frame id prefer.

The other thing I dislike is how I’m unable to add recurring payments without going through the main site. I feel like this is an easy feature to add to the app and I’m surprised every time I try to do it, that it hasn’t been made an option yet.

So there are many benefits to your app, the force touch capabilities are decent and you do offer some great features for those who have the means to utilize them, but I believe there's one glaring drawback to the BoA app: It is RIDICULOUSLY complicated to just check you balance.

The whole point of an app is to make the use of the creator's services more convenient and the overwhelming majority of mobile banking users use their bank's apps to check their balances yet the way that BoA has implemented this feature makes it almost worthless. At least for those of us with Touch ID enabled devices.

To use this feature you must first sign in > tap on Menu in the lower right > tap on Profile and Settings > then select My Balance at the bottom of the page and enable it and agree to whatever terms exist if there are any.

Once that's done you open the app but here's where the problems come in. When you open the app at the top middle there's an option for My Balance and when you tap on that after a moment of waiting it loads you balance. But if you have Touch ID enabled that usurps the regular sign in option so it's easier to just sign in and see your balance there.

I believe this, even though it's only a few, is too many steps. The ideal scenario, for me at least, is to either enable it in with force touch if the device is capable and also have a widget like many other apps that you just add and you can tap on balance there and it loads just you balance.

I'm certain that "privacy concerns" is going the be the response I get back from this assuming I get a response anyway but that's a cop-out. There's no legitimate reason that that feature can't be enabled. If necessary code the app so that it has to recognize that there's a passcode on it before the app will allow you to enable these features.

There are a myriad of ways to implement either or both of those features and I believe that these additions will make the BoA app all that more useful but until then I'll just give it a 2.5 out of 5 for that alone. There's a whole other issue with sending money to people that don't have BoA accounts that pretty makes it impossible in the app but that's for another review. I firmly believe however that the initial issue with the balance checking is the single most pressing matter for this particular app and until it's resolved I don't see how it's possible that this app can really shine.

Didn’t give 5 stars b/c the app should integrate more of the functions of the mobile site. Would like to be able to schedule, add, change bill pay merchants from app more easily. Order checks, BIGGEST COMPLAINT I HAVE A SMALL BUSINESS ACCOUNT BUT MANY OTHER ACCOUNTS THAT AREN'T BUSINESS BUT WHEN I GO TO CALL THE APP AUTOMATICALLY PUTS ME THRU TO BUSINESS ACCOUNTS - FIX THIS PLEASE. Lastly, the day after Christmas you had ONE teller & literally ONE personal banker (1 + 1=2) working in the Dallas, TX, Preston & Campbell branch, near the Kroger grocery store. There was a line of 12 at all times & you claim handicap accessible w/a few spots & a ramp which is great truly! Problem is how do we get into the branch if your door isn’t attended to or isn’t changed to open automatically via a button as it was pouring & so cold that day. You had a lovely personal banker or branch mgr. who was totally slammed yet very gracious even to those who took the understaffed branch out on her personally (very unkind words & tone to a lovely blonde lady who was as kind as she could be). However all of your branches are understaffed at all times & I can’t get fees taken when your “keep the change” program” caused account to go NSF then BofA says after taking over $120 in fees from my son’s account a student working his way thru college, the personal banker says “oops my
bad, after 3rd appt. for same issue we are forced to close & open a new account to stop the “save your change racket, mean promotion! You take the change & cause an overdraft of $.69 & take fees of $10 adding up in 1-2 cycles of $120 each but we are told they can’t refund more than $20 maximum w/o mgmt. approval so be careful don’t be fooled it’s a never ending cycle that this VP of Finance couldn’t fix without going to the AG just this past week. Wells Fargo had their way to increase revenues, BofA had theirs first w/fake ID theft service never signed up for & we gave up & over $190 refunded by Attorney General b/c it was 100% FRAUD. Soon this will be exposed to for the scam it is b/c it’s my mission to do so & they use “I’m not authorized to do (fill in
the blank)________” to evade refunding of appropriate fees, especially disgusting when they steal from a hardworking student who works for a business depositing their checks at that local branch. Hope you will improve upon the things that need it & keep up the great work where it usually outweighs the rest by 80%! Very easy & functional app!

UPDATE:

I made a third call, afterall, and managed to get connected with a BofA iPhone app expert at step one, after explaining what I'd already been through with phone calls. This last guy seemed to really know how things worked. His answer, paraphrased: "The app *doesallow you to pay via non BofA checking accounts, but *onlyif you also have a checking account with BofA. Since you don't, you will not be able to use that feature via the app. You'll have to log in to a web browser, instead."

Really!? I don't have to have a checking account with Amex or Capital One in order to use their bill pay system; why should I have to do so with BofA? And imagine if they *allhad that kind of requirement!

But the good news is...during periods when I know I won't be using a computer (which is often, now), I have the option of using my Amex and Capital One cards instead of my BofA cards.

MY ORIGINAL REVIEW DETAILS:

My highest interest in having a mobile app is to be able to pay my credit card from my iPhone (which I can already do with my Amex and Capital One apps), so I was delighted to see the following as the first item under the "What's new" details for this version of the Bank of America app:

- Make payments to your credit card using your checking accounts at other banks (note: external account must already be set up in Online Banking.)

My checking account has been registered with Online Banking for years, now; however, after downloading the app, I was still unable to make payments through the app, and after being on the phone with Bank of America for over an hour, they told me that they only support checking accounts from Bank of America, and that I was misunderstanding what I read.

On my first phone call attempt, it took me ten minutes to get to a person, at which point, I was immediately disconnected (on their end). I then spent 52 minutes on the phone, going from person to person (four in all), who each gave me conflicting information. The last person appeared to be the most knowledgeable, except that he was trying to assure me that I misunderstood the details in the "What's New" list, and that they purposely don't allow non BofA checking accounts to be used for payments through the app, due to security concerns. I was about to challenge that statement, but he accidentally hung up on me from his end as he was speaking. I'd already spent over an hour on the phone trying to get help with this and do not care to have to go through that again, so I'm giving up.

Been with BOFA for almost 10 years, never used to have an issue until this year and the end of 2020. Reported fraudulent charges to Bank of America that amounted to about 300$. Don’t know how but they decided that I was the one who made the charges when I didn’t, but I don’t do to well Financially, especially nowadays, so them taking that money out of my account puts a thorn in my side. I’ve also had my debit card randomly blocked or changed without my knowledge, and of course the way I find out is trying to pay for groceries. This has happened MULTIPLE times but it never happened as frequently as it has been in the past couple months. Then whenever you have to call to figure out the issue you have to wait on hold for 30+ minutes to speak with someone who will just transfer you to someone else for another 20 minutes. Final straw on me shutting down my account was today when I had made a purchase using Apple Pay (digital BOFA card while waiting for plastic card) at Michael kors and it paid. And then walked over to bath and body works and used Apple Pay as well. It was declined due to “invalid pin”. I tried it 4 more times and even switched computers where they checked me out to see if the problem was on them. I’ve had the same PIN for 8 years so it saying invalid pin is wrong. Since my BOFA digital debit card linked to Apple Pay wasn’t working, I tried transferring money to my cashapp so I could pay with the card I have with them. I’ve transferred plenty of times from my bank to cashapp. It didn’t work. I had to leave and call BofA and told them about the issue and all they kept telling me was the pin was wrong. No crap. I was transferred 3 times and nobody could tell me why my pin was wrong. When I asked about why I couldn’t transfer to cashapp they said that it said due to invalid pin. That makes no sense whatsoever cause cashapp doesn’t require a pin. I went home as I was on the phone with the BofA clerk and went to my mail and got my brand new plastic card. I went to my bofa app and tried to activate it and it said the information I provided wasn’t correct. I told the lady this and was on hold for another 20-30 minutes. She had me do it on a browser, and the app multiple times and still didn’t work. Eventually she transferred me to an automated system which activated the card but ended the call and I never got an answer for why my Apple Pay wasn’t working and I wasted 2 hours of my day. I used to love BOFA but it’s a horrible bank and I wouldn’t recommend to anyone. STAY AWAY.

You have to click through two or three screens to open all of your transactions. They only load transactions from the last 30 days yet my credit Union app manages to hold the last 3 years without me having yo comb through pdf statements. However I’m able to do this on the website. If the website has better features then why do I even need an app that annoys me or a bank account with an app that annoys me? The pending transactions don’t show a time and there’s no way to see a transaction amount without revealing your bank balance. I have to go through Face ID twice to get into the app and sometimes I can’t even get to that step because it says “sorry we weren’t able to complete your request” when the request was just to open the app.

Every time I log into my bank account, I close the app and remove it from my background apps and yet and still I’m getting a notification five minutes later telling me that for my security, my banking session has timed out. I do not need to know that you’re timing out my bank account, just do it. I don’t have to manually sign out of any other app not even my identity protection or credit monitoring apps. It doesn’t make me feel safer it makes me feel annoyed.

Response to developer: I shouldn’t have to press sign out every time I leave the app. I didn’t have to with Wells Fargo’s app or my credit Union. If I go in to my recent apps by double clicking my home button and remove it from running apps, that’s me ending the session. I’m not going to sign out then close it from recent apps because that causes UNNECESSARY STEPS. The only time you should be sending a time out notification is if I didn’t log out AND the app is still running. This lets me know that even when I remove it from my running apps you guys are still continuing to keep it running. Why would I close an app and want the session to still be active? Now THATS a security risk! The logic is flawed and the consumer experience subsequently takes a huge hit. The app is a a burden for something so simple when it’s supposed to be a resource. And while we’re at it, your new logo makes the app entirely too hard to find and contrast with other apps. Not just because it’s different, I work in marketing, I can pick up one different logos, it’s just not a good choice to have an all white logo that’s easily scalable by. Makes the app very hard to fine. Again, that user experience peace showing its ugly head. I think I’ll be switching back to Wells Fargo. This on top of the scarcity of BoA locations and ATMs is more hassle than its worth.

I was a victim of a scam on 7/22, filed a claim and it was processed and Bank of America (BOA) deemed that... “We confirmed that the transfers posted to the account you requested.” I sent myself money through the zelle service offered in the boa app at the direction of a convincing scammer posing as a boa representative. Called boa within minutes following zelle transfer since The transfer I sent to myself didn’t go back into my checking account... but into someone else's as i was informed by the second person I called for follow up on the claim. After that and a few more check ins on my claim I received the denial notice in the mail, i called Boa and was told they could do nothing else, the last worker i spoke with informed me to file a police report and to hire a lawyer so I can “subpoena” my bank records for legal action. Boa is the first bank and only bank I’ve used, and is backed by the fdic and is using, Zelle, a service they “cannot” regulate or control and is asking me to jump through hoops to access banking information they are able to access themselves, my records of the transaction indicate i sent money to myself, however I was not the recipient of it... how can the funds be sent to the account i requested when it isn’t in my checking account and a boa worker has indicated they could see where it did get transferred? Anyways, I never spoke to the person working directly on my claim as they weren’t available, was transferred one person to another many times, all of whom had no idea how to help me. One Boa rep informed me there was a “note” on the claim to inform me to call zelle to inform them my phone# was used for fraudulent activities and to have them ensure my phone# wasn’t being used to accept or send any other funds through zelle - meanwhile zelle has declined to speak to me over the phone and has denied me a representative through email too, in all cases zelle says handle it with your banking institution. boa says they can’t help me with my zelle information or with my denied claim at all. I have since filed complaints about this scam/denied claim with my local FBI agency, OCC, my local police department and the police department in the city i was located when the scam occurred. I will be filing further complaints and claims until someone is able to help me in this situation. Bank of America has failed me and has taken no affirmative action in this scenario or any effective measures to address the rampant scams occurring through the zelle services they provide through their banking application.

As you read this review please keep in mind all opinions are a result of individual experience & expectations. I’m not a BOA loyalist, in fact I bank with 2 traditional brick & mortar banks & 1 online bank. I’ve the advantage of comparing apps across these 3 financial institutions & that impacts my expectations. However, my goal is to keep all compassion on an even playing field. As a result I think it obvious the online only bank has an unfair advantage being they invest more in having above average technology & an overall better online presence. That limits my review to two brick & mortar financial institutions 1- being the BOA app vs 2- the Wells Fargo app. To be clear this comparison is made in an effort at transparency. In the interest of time all comparisons will be kept high level. I’m going to openly compare design simplicity, loading speed, user friendly, transactions speed, services, customer service, ease of information gathering..
Design Simplicity: Both applications have a simple & clean design.
Loading Speed: it’s been my experience that the Bank of America’s app loads faster.
User Friendly: The Wells Fargo has a simple stupid approach to their app. This will work better for those who aren’t as tech savvy.
Transaction Speed: Any changes (fund transfers etc) seem to show up faster on the Bank of America app.
Services: Both applications allow for a large number of services. They also ease the verification process when contacting customer service (& other departments) through their app. In addition to several banking accounts I have a 401k & credit card with WF & that info is clearly available on the app. I can only assume the same would be available on the BOA app.
Customer Service: In add’t to connectivity to traditional customer service (see above)the applications have access to an AI assistant, budgeting help etc. They’re equally good in this section.
Ease of information gathering: as I mentioned before Wells Fargo went for the stupid simple approach & this facilitates all type of information gathering. That’s not to say BOA’s app is difficult to navigate.

The goal of my using an app is to limit any face to face or phone interactions & my worst possible scenario is having an application that is a time sucker or fails to do as promised. I’d encourage the BOA clientele to download this application & spend some time exploring it. I use the application daily & it’s become an invaluable tool in my financial arsenal. The application works as promised & has an above average response time in making any updates on your banking accounts.

FIRST REVIEW, 2019:
The original app design was fine. All of my bills that were in the process of being paid stated “processing”, but this design neglects to list some as “processing”, which puts me in panic mode by making me think I forgot to pay a bill on time, so I end up setting up a payment again, meaning I paid double! Also, with the recent update I got excited with the bigger bolder numbers under Accounts, then I tapped on Bill Pay to become even more disappointed to see the numbers are STILL TINY. I really wish they left the original app alone and stopped with the crazy changes! What is going on with BOA to make them “fix” something that’s not broken.

[protected] REVIEW:
It’s been several months since I wrote the first review and BoA still has not fixed this version of their app. Be careful, because if you look under “Activity”, it stops showing the big payments that are scheduled to go out within 3 days. It also does not show up as “Pending” in your account.
For example, my mortgage payment scheduled for Monday, does not show up under “Activity” today (Friday).
The same holds true for others such as credit card payments. I never had this problem until their last major update, which changed the format.
Other friends have had the same problem with this app, but BOA still has not corrected it.

On [protected]
Response from BoA:
“Hello, Thanks for reaching out. Please try it again. After making a scheduled payment, tap Activity and under Outgoing should be the scheduled payment. Once the payment has posted, it moves down to History. Thanks -Ashlyn"

Thank you for trying to help, Ashlyn, but I already know that. The payments usually show up under “Outgoing” of “Activity” right after I set the payment and date, BUT disappear from “Outgoing” of “Activity” for certain recipients (certain credit card and mortgage) on the Friday, Saturday, and/or Sunday right before the Monday or Tuesday that payment is scheduled. The only way for you to see this is for you to schedule your payment (over $1,000) ahead of time. First you will see it under “Outgoing” of “Activity”. Then later on the Fri/Sa/Su right before the payment is scheduled for the Mon/Tues, check the app to see if your payment is still listed under “Outgoing” of “Activity”; in my case and others, the only way to see it scheduled is to look under “Payee” under the recipient. I’ve learned I have to always double check under the “Payees” and “Outgoing/Activity”. I never had to do that before the major update/format change. Thank you for your support. Hopefully when the employees try this experiment, someone will know what I’m talking about.

Nice ease of use (the app, that is!) ...As for the bank itself, I dislike the amount of fees that BoA charges for every little thing! The worst is a "low balance fee!"

As a person on a short term fixed income due to severe injury, I only get what I get (and I've been working since I was 16 years old to GET what I get now!) ..towards the end of the month after paying bills with very little money...my bank, where I have been a loyal customer for 26+ years, charges me a fee for having too low of a balance! (That's insane! "You don't have enough money, so we are going to take what little you have because WE need it more than you!")

Very often, THEIR fee causes me to be overdrawn just a day or two before I get my monthly check (which is electronically deposited every month so they KNOW it's coming!) but they charge the low balance fee, which often will cause me to be overdrawn, and then they charge me a fee for being overdrawn, which they caused in the first place!

So each month, my wonderful bank...where I have been a loyal customer for 26+ years, takes a considerable chunk of the pittance the government thinks I can live on while I recover from major surgery!

And we wonder WHY are we in this situation as a country? Because we've allowed it to happen! We PAY the fees, we PAY ridiculous amounts of money for our average homes, cars, appliances...and by doing so...our government chose to reward us by bailing out the banks when THEY were overdrawn! Plus...they gave the top executives, that caused them to be overdrawn in the first place, MILLIONS of dollars in BONUSES! Hmmm! And whose money did they use? MY money! YOUR money!

What I would like to see happen now, is for the banks to pay us back the money they were given to stay in business! So the next time I am overdrawn...or if my balance is TOO LOW...I would like for my bank to put $100,000 into my account. And then they should do that for every loyal customer that is also in my situation! The difference is that if they "helped" us rather than taking what little we have, the entire economy would be rejuvenated and we could all stand proud...together...once again!

So...how about BoA?! When my balance gets "too low" for your happiness...infuse my account with a "bailout" deposit of $100,000 (not even a fraction of what BoA was given of my money!) so that I can get through this difficult time and still be able to feed my family! Thank you!

(Just remember...you ASKED for my opinion! I finally decided to speak out and give you my opinion so that little box will stop popping up every time I sign in to make sure my balance is not too low!)

1.21.23 Several glitches since latest update. Now when viewing searched transactions, it only shows the most recent one. It doesn’t show any of the others. The track spending flips from landscape to portrait viewing and it used to be all landscape. This flaw now requires me to have to flip my iPad back and forth. Humph . Quite frustrating especially when I only have the primary use of 1 hand. Please fix! 3.23.19 Like others my Apple Watch is not working since recent update, but I see that a fix is in the works. It will not even load, it just spins then gives up trying. But even before the update it would tell me to open on my iPhone first - like, that totally defeats the purpose of having an Apple Watch version for convenience if you have to first open the app on your iPhone, you might as well just use your iPhone from the start...even if it is in the bottom of your purse, lol . Also like many others, I personally do not like the new logo. I’m on the BOA advisory panel and don’t recall there being a survey for this change. I understand that the change was to be consistent with a branding change but I think it’s an epic fail because customers have been so accustomed to the red logo. You risk losing even potential customers with this drastic change. There’s just some basic marketing strategies that can make or break an organization. The only time changing brand recognition so drastically is to disassociate yourself say after some very bad publicity. A better solution would have been to keep the red, but maybe change the design. Can users have an option for the app coloring? I automatically look for apps by the color and totally overlooked this app because I wasn’t aware of the logo change after the recent auto update. Why isn’t Erica available on the iPad version ? Can Billpay be an option to be added to my dashboard and can there be an option for which screen I first see when I log into the app? I personally want to see my customized dashboard when I log in, but understandably that may not be everyone’s choice. So an optional feature would be ideal. I’ve been with BOA since Nations bank and am mostly extremely pleased with it’s services; however the recent changes to the app and the online website layout design are not very functional or user friendly. I appreciate that you are trying to keep up with the latest & the greatest, but it seems you keep missing the mark in design. I try to do all of my banking through BOA & access the app on almost a daily basis. Thus its aesthetics & user interface, and ease of access and use are very important to me. If not pleasing or easy to use I’m likely to not use it as much, or even be tempted to switch my banking services. Happy Banking !

Summary before the 'rant': (my opinion)
- If you are deciding between this app and just going online; go online instead.
- If you are reading this in efforts to choose a credit card, with app experience as a focus or important factor. Look elsewhere.

Recommendation: Capital One and Discover have the best, Citi is great, and Chase isn't too bad either. Lastly, AmEx is managable/functional but unlike BoA, manages to leave you with your sanity when it's done.

The 'Rant':
BoA has the worst app out of all of my credit cards and I have sadly been overlooking this fact for too long. It's rare that Im compelled to write a review, but in extreme cases (I have positive reviews too) I feel compelled to speak out.

Two stars. It would be one, but the app isn't buggy, and tech. does work for what it poorly shows. Despite it's flaws, some glaringly obvious functionality that is missing, confusing offers, self-promotional ads, and run-on presentation, it has been very stable and that is critical. (the saving grace it needed to avoid a one-star).

After that, there isn't much to like about it's user interface. As stated prior, offers for things you flat out don't qualify (example $300 checking account bonuses, etc.) will appear, and if applied for (in-app or online) make almost no effort to clarify if the offer does or doesn't apply.

Side Note: My experience was exactly this to find out after opening, there was no promotion, and after speaking with a manager at the bank, it might qualify for $100 bonus -- which would only be know if I met all the conditions first!

Back to the app again: The app and its security, again, seem to be stable. However it matters little because you'll rather sign in online instead as you find yourself wandering through screen after screen (with lots of swiping and scrolling too)... searching for things you need. One out of three times, they joyfully won't exist in the app with no indications of what shouldn't be there.

Today alone I spent 10+ min trying to find a way to cancel and re-setup my auto-payment as the min. payment setting wan't updating. I could cancel and edit the next payment. I couldn't verify that the scheduled payment was from auto-pay, and if canceled, would just show the next auto pay in the series.

I can go on. Why this app has the score it does, I don't know. I am a developer and I want to sit sit down and rest from the confusion and poor forethought a large bank like BoA put into the layout and navigation. Ive tried not to be critical and annoyed with this app for over a year now, but it continues to disappoint.

At least it's not functional broken if you manage to spend the extra time and frustration to find a few things it will actually do for you ... (yay?)

This particular "Bank of America", has "NEVER" "IMPROVED", still has a "VERY" "POOR" "MANAGEMENT" system.

Besides "ONE" of their "EMPLOYEES", "OVER" "CHARGED" "ME" for the "SAME" "ITEM", that they are issuing "ME" for the "CREDIT", for $1.00", "TONIGHT" on "02/22/23", "TWO" of their "EMPLOYEES" had given "ME" a "TREMENDOUS" "TREMENDOUS" "HARD" "TIME" for "PROVIDING" "ME" their "REP. ID." "NUMBER" for "REFUSING" to be "RESPONSIBLE" for their "JOBS", that "ERIKA JACOBO", "ALWAYS" "MINDING" on "BUSINESS" with "EVERYTHING", the "ONE" that I took her for "CIVIL COURT", since "MAY 3", that "KNEW" on "BOTH" my "CEL PHONE NUMBER", "KNEW" my "CREDIT CARD NUMBER", "PREVIOUSLY" had "INSTRUCTED" on "SOMEONE" to "CHARGE" "ME", using "CVS PHARMACY", of the "MOST" "MENTALLY ILL", a "WELFARE FRAUD" recipient, & the "ONE" that lives at "655 ALPINE ST., APT.1A, LOS ANGELES, CA 90012", "NOT PAYING" on "BOTH" my "CEL PHONE BILL" & "INTERNET BILL", besides "CONTINOUSLY" "CAUSING" "DROP CALL" & the "BANK of "AMERICA" "LINE" "CONTINOUSLY" to be "BUSY", when "DIALING" "[protected], had "INSTRUCTED" on the "BANK of AMERICA", "FEMALE" "IVAR", to "TELL" "ME" that the "OFFICE" was "CLOSED", "TONIGHT" on "FEBRUARY 22, 2023" at "9:37 P.M.", when that [protected]" happens to be for "24 HOURS" of "SERVICE", that I had to "USE" my "OTHER" "IPHONE 13 PRO MAX" of "GOLD" color, to "CALL" to "BANK of AMERICA" "AGAIN". In "ADDITION" to "ALL" of the "ABOVE", the "FEMALE" "IVAR", besides "STILL", "CONTINOUSLY" giving "ME" a "TREMENDOUS" "TREMENDOUS" "HARD" "TIME", for "CONNECTING" to "ANY" of their "BANK of AMERICA" "REPRESENTIVES" when "SELECTED" for a "0", "FORCED" "ME" to "SELECT" on their "DEPARTMENT", & the "MOST" "SERIOUS" "PROBLEM", "HAPPENED" to be made an "ASSUMPTION", that my "CURRENT" "BALANCE" that "SHE" had "QUOTED" "ME" "EARLIER" "TONIGHT" on "FEBRUARY 22, 2023", happened to be a "TOTAL" of "$2,076.93"

I "FINALLY" got a "CHANCE" to "SPEAK" to "ONE" of the "SUPERVISOR" of the "FRAUD" Department, named "BALDEMAR", of "REP. ID." "BRMG3", "TONIGHT" on "FEBRUARY 22, 2023" at "9:39 P.M.", that "HE" had "AGREED" that the "TOTAL" amount of "$2,076.93" was "QUOTED" "MISTAKENLY" & will "FIX" the "ISSUE", within "24-48 HOURS".

I had "ALSO" "REMINDED" "HIM" that I do "NOT DO" "ONLINE" "BANKING", when I go to their "BANK of AMERICA" Application, is "ONLY" to "CHECK" on how "MUCH" "CASH REWARDS" & if "ANY" "SUSPICIOUS" "ACTIVITIES", going "ON" at my "ACCOUNT". If I need to get "CASH" that I will "GO", "PERSONALLY" to "ANY" of "BANK of "AMERICA" "BRANCH", to "KEEP" "EVERYTHING" for "AUTO PAY", to "CONTINUE" "SENDING" "PAPER" "STATEMENT", & "FINALLY", if I make "ANY" "PURCHASES", it has to be "SHIPPED" under "MY" "NAME" to my "ONE" & "ONLY" "ADDRESS", which is "736 ALPINE ST., APT.6, LOS ANGELES, CA 90012".

The "BOTTOM" "LINE" is that "EMPLOYEES" "KILL" "BUSINESS".

"WITHOUT" "CUSTOMERS", there will be "NO BUSINESS".

Don't you "ALL" "AGREE"?

"WORD" of "MOUTH" is the "BEST" "ADVERTISEMENT" on "BANK of AMERICA".

Bank of America this whole review is summed up in one simple sentence make your bank more friendly by way of fees and offers for the average middle-class citizen and stop being a wealthy man's 'bank!.
BTW Great app though

Bank of America you are a wealthy man's bank in the only reason I open an account with you was I needed a separate checking account to track specifically how housing payments and mortgage payments but your fee structure is beyond comprehension for the average middle-class citizen
Your CEO and board of directors need to realize that most of America is living paycheck to paycheck and and when you charge $75 for an overdraft and we budget carefully so we don't get in the red and you charge $12 if we don't follow your rules exactly such as direct deposit that should be our own personal choice and not everyone can keep a $1500 minimum
You need to be more user-friendly for just an average citizen making less than $250,000 a year and have their bills stretched so tight making housing payments car payments insurance payments mortgages you name it you don't leave us much wiggle room with your stupid fees
All in all Bank of America you were wealthy man's bank at this point you are strictly an escrow account for me to track all of my mortgage payments and insurance and I will find a way around you're stupid direct deposit because I'm not paying a $12 a month fee and to change it in midstream like you did for another client and put her in the red with no warning that is air reprehensible and disgusting business practice
I wanted a large bank with a well-known reputation for many escrow for my mortgage payments you can't even offer One book of starter checks I got three blank starter checks that is ridiculous where in the heck is your customer service
Bank of America executives as you drive around in your very new expensive top of the line cars remember those of us who are driving cars that are ancient with huge amounts of mild's on him yet that's all we have and you can't even offer a book of free starter checks printed heck deck cost barely nothingto send it as three books of checks with our names on them instead of just three checks with having to write our names on them those aren't accepted in most places and definitely not my mortgage company and I'm not paying $15 to order checks from you when you with all the fees you charge should offer them for free and then if we need more we pay for them
If it wasn't for the need of a large well-known bank that my mortgage company is familiar with I would never use you but my dad who is a multimillionaire speaks highly of you and he can because he maintains well above your minimum balance and he recommended you highly obviously because he never had to deal with your ridiculous fee structure for overdrafts maintenance fees you nickel and dime us for every penny you can without taking into consideration that the majority of your clients are average citizens trying to make a living in a society that praises and gives breaks to the wealthier citizens
I am a statistician by trade and I highly recommend that you do in review of your client base and see exactly how much you're taking from Citizens who can't afford it the nickel and diming and over charging for overdraft fees and maintenance fees that change with no warning
please make your bank more friendly to the middle-class citizen

BOAclient 10years. Only perk: lots of ATMs, that's it. This app is more useless than ever, each successive update has been worse over the years, so I finally say good riddance in favor of safari/ browser.
Update 8/16: cuts off my recent transactions unless I tap to load which takes more time. How are 3 recent transactions useful!? Why must I spend forever waiting to enter my password, I ask for the LAST time (see blw). All
I want is to enter my password then immediately see a long list of transactions so I can figure out how you guys have stolen from me yet again. Focus on this, make the other options like transfers and payments secondary and tertiary. Give us some options maybe like simple or complex interface, bc clients are all diff. Some peeps might want to see 'latest offers' or 'nearest banks', but most just want their balance and transactions I'm betting. I will let safari auto fill my password/username now and use the full site which is much much faster than this bulky app. Amazingly it loads dozens of transactions in an instant, with the full site. Yet the app is too gluttonous to load more than 3, much less let me enter my password before Christmas.

Update 8/7: issues logging in as usual. Let me login first then show me your adverts! Solution: ditch this app and use safari, thinking about it.

Constantly lags and leaves us tapping without responses throughout, particularly at the start screen, which is so slow to load your advertisements and that lag either makes me tap the wrong thing (BOA succeeds in making me tap one of the advertising icons) or just is unresponsive for many seconds. But in fact I actually tapped inside the password box, however due to the delay to load the advertisements and BOA's priority in commercials over serving customers, I lose valuable time and am often hijacked to their desired url to satisfy their clicks. The entire screen shifts around as it's loading your stupid advertisements as the app takes many seconds loading the page 'special offers and deals', 'explore better money habits', 'check customized credit card offers' and the stupid background images which always change based on the time of day (which obviously does a calculation to find the right day/night/morning pic that contributes to the slowness too). The solution for us users is to wait many seconds for the initial screen to load, but the problem is it appears like it IS done loading, which is when I start typing my password. Then it's like, NOPE, I wasn't done yet! And keeps loading then boom I'm in an advertisement... infuriating! Simplicity BOA! Let me type my password and move on, we are in a hurry. This is a security issue, sometimes if I suspect suspicious activity seconds are of the essence, and instead I am forced to wait and panic. Or if I need to quickly transfer funds bc u guys decide I have 'suspicious activity' (bc I am buying things at the store, how is that suspicious) and shut down my card, I need to login and transfer to my wife so we can pay for dinner or checkout with a long line waiting bc u don't inform us, u just shut the card down. How about a text or email first so I know what's going on instead of making me discover this whilst waiting for this stupid app to load! Save those advertisements for another less important place, like maybe after we login, and show maybe just a slight bit of respect for your clients who want to use your terrible app in spite of it's massive flaws!

I enjoy using my BoA online checking Account regularly to review my balances throughout the month, and to verify the automatic deposit of my former biweekly paycheck, and now by monthly annuity check on the first of each month. It’s reassuring that I can track all of my monthly bills paid through BoA’s Easy Bill Pay, which is easy to use and dependable, in addition to viewing those bills in processing for payment. It’s quite handy to be able to transfer some of my money in my BoA checking account to my BoA savings or to my other accounts, as well as to accounts of family members.
I greatly appreciate having the 2 lines of credit for my BoA acct ending in 9593 (max $1,000) and my BoA acct ending in 7508 (max $10,000) because as a single parent living in a single family home for more than 36 years that I love & treasure, these 2 credit lines have helped me tremendously during unexpected emergencies over the years. If there has been money due on either of these two credit line accounts, they are my priority to pay them down every month - each has a fair APR.
Since I’ve banked w/ BoA at the Laurel MD branch for more than 36 years, which also includes this same Bank under an earlier name, I have had Home Mortages/ Refinancing through you, and currently, a Home Equity Account w/ you.
The COVID-19 crisis over the past 12 months has negatively impacted and many others financially. The potential for part-time income in my area of expertise is almost non-existent. Financial difficulties in: a) paying my monthly bills (which I always do first); b) buying food; c) purchasing basic clothes & special orthotic shoes; d) getting needed home repairs; and e) emergency expenses. It has been an ongoing tough struggle as a single homeowner to make ends meet. I use as little water as necessary, and only use a space heater to live in one room of my house.

So, as a very long-term client w/ BoA, I respectfully ask if a couple of my active BoA charge accounts with high APR’s could be accommodated w/ reduced APR rates, even if this means that I can transfer my high APR accounts to a couple of new BoA credit card accounts w/ a lower APR in the future. I really would prefer staying w/ BoA vs. moving a couple of my BoA credit card accounts that have high balances & high APR’s to another Bank that offers lower APR rates.
Hardships for me have been great over the past 22 years in my health battle to survive several potentially deadly diseases and be able to pay the high physician & hospital costs incurred, while also, as a single parent, supporting and caring over the years for my two young children. Also, major professional repairs were essential in the past for a full roof replacement, installment of all of my home’s 16 windows, 3 exterior doors, two car garage doors, and emergency professional cleanup and installation of basement sump pumps following unexpected flooding of my basement from an unknown rising of the water table, followed by a second disastrous flooding from the existing sump pumps failing at the same time to operate. I know that I’m not alone in many of these financial hardships. I do not need to refinance my current Home Mortgage loan, nor my current Home Equity with your bank that provided a fair Interest rate.
My only request is for BoA’s assistance (as mentioned above) through some possible means that will reduce the interest rates of a couple of my high balance BoA credit card accounts.
Thank you for listening to my Comments,
Deborah T. Hanfman
[protected]
8718 Hummingbird Ct.
Laurel MD 20723

I opened my account 3 days ago. I was excited to bank with them. I downloaded the app and also did a mobile deposit. After I completed the mobile deposit, the app prompted me to download a digital card. Which I was excited about since I had to wait for my card in the mail. So I clicked to download the digital card and it was working on it and then gave me an error message that it was having technical difficulties. When I called in for some technical help, I was told by the rep that oh once it’s gone then you have to wait for the card, so I asked if there’s anything else we can do, he said we can send you another card and see if that temp digital card pops up again; I agreed and while he told me to delete the app and re download it and log in while he works on re-sending a new card. Followed instructions, and received the same error message. So then I asked if there is any way I can go to the bank to get a temp card, he notified and yes you can go to the bank, perfect, I’ll do that. I come to the bank and I’ve been told by the manager of the branch in San Bruno, Ca. that a few months ago they change there policy on giving out temporary debit cards and you have to have the account open for 30 days before you can receive a temp debit card. Well that’s funny because why does your app offer digital card once you open an account? I explained to the manager of the bank of what was my issue and he said it’s a company policy, upon asking if you have it in writing and he couldn’t bring it up anything showing me of such. The app offers digital card to use until your card comes in the mail but the bank can’t issue an temp card? This bank is Ridiculous! I was told to give a call to the app. So I called again and now another rep is telling me there is a policy in place to not issue any temp card for an new account for 30 days. That’s fine and dandy with me but if the app offered an digital temp card and the app said it had technical difficulties, which is why I was prompted to go to the bank for one and now I can’t get a temp card. Then I was told it’s for fraud reasons as to why they couldn’t issue an temp card physically as oppose to offering a digital temp card, the rep continued to say with my ID I can go and withdrawal cash at the bank until my card comes in the mail. My thought process? What the heck? Are you even listening to yourself? I was offered a digital temp card until my card comes in the mail, the app had error, so I physically go to the bank, provided my government issue ID, had my passport and social security card just incase they needed that too for ‘security measurements’ only to come back with no solution. So then the rep transferred me to app technician who can assist me to get an digital debit card. The app asked which type of device and iOS service I was running. Answered all of his questions only for the rep to tell me that I never received an alert to download a temp digital card, and my response to that was are you calling me a liar? This whole mess wouldn’t have started if the app in itself didn’t tell me to download a temp digital card?!?! Not only once but twice! He said because of fraud we can’t offer a temp digital card? Umm excuse me, I opened an account online, did an mobile deposit shortly after opening an account, walked into the bank with my government ID, passport, and social for you to tell me this made up policy?!?! I told the rep this is ridiculous and I would like to close my account, only for the rep to tell me I have to wait til my mobile deposit clears, so I asked if he can cancel the mobile deposit, only for him to tell me he can’t do that either because of ‘security reasons’?! Wait? What? I deposit this the day I open the account and It was a 5 day hold on my check, so the check still have not been cleared for you to tell me you can’t cancel it? The bank is a joke with their made up policies. They can’t even provide documentation showing the company policies. All the reps do not care to listen to the customers needs nor cares for our needs. Worse experience ever.

Update: FYI — This newest version of this app demonstrated identical, repeated crashes during pre-login app startup this morning 12 May during a period of time between approximately 2:00 - 2:30 AM EST. Again, the device’s network connection tested fine, and restarting the device did not resolve the issue. App began working properly again after ~ 2:30 AM. See below for previous reported incident.

+1 star for appropriate Developer Response, thanks much.

Progress... Looking forward to the progression toward a truly 5 ⭐️ BoA UX.

Previously:

Last night 5 May 2022 ~ 8:30pm EST, app kept crashing during (protracted) launch (no error message) prior to ever reaching the log in screen — even after restarting the device. Device network connection was repeatedly confirmed fine. App crashed out twice before we restarted the device, and twice after, and then we had to give up on Bank of America because we were out of time. (To say nothing of the valuable time that had been wasted while attempting to troubleshoot this issue.) On the very same network connection, the app had worked fine very early that morning, and then it worked fine again very late that night, hours later. But it did NOT work when we actually really needed it to. How again are we supposed to rely on this app for banking and payments (and Zelle?!) if it doesn’t even work when we reasonably need it to, to do business? I suspect a BoA server or backend issue was occurring that the app could not gracefully cope with. iPhone 5s, with latest iOS 12.5.3 security update (released just three days ago).

With this new app update just released today on 6 May , thank you thank you thank you for *finallyupdating this app to actually display our Preferred Rewards current qualifying Program Balance. That’s the only item of Preferred Rewards information we actually bother to check regularly, at least every few months or so, if not monthly. Not having to necessarily use the website for that and (in our situation) now also obtain a phone call security passcode for the website log in every time, will really reduce some friction and aggravation. (BTW, please please please at least speed up the interactive process for actually receiving the phone call security codes! BoA is much, much slower at this than other services we work with. You may look to how Apple handles this for a good example.)

On a related note, frankly, the large and huge fonts repeatedly displaying the Preferred Rewards “total rewards value” amount for the year to date, currently multiple times all over the place on the Preferred Rewards screens in this app, and on the BoA website, is distracting, annoying, and from a functional and usability (and User eXperience) standpoint, worse than pointless. Initially, it wasn’t even obvious or immediately clear what that over-prominently displayed number for an immaterial dollar amount presented in a huge font was supposed to represent. It’s certainly not even good marketing, especially if it’s distracting and annoying when we’re trying to do business with BoA and check other, far more personally and practically relevant information in this app and on those pages.

==> If this app were actually able to create, *properlyview, manage, and *editscheduled *recurringtransfers between our Bank of America accounts, that would be very, very helpful. But it still currently can’t do that.

Which means we necessarily have to log into the BoA website... which means we (in our situation) necessarily now have to receive a phone call log in security code... often in the middle of the night, when other people are trying to sleep… and then wait impatiently for that BoA automated voice service to get around to actually just telling us the log in code... when we just want to get everything done as quickly as possible so we ourselves can go to sleep… and (bonus!) if we have to step away for any reason while working with the BoA website, it times out, and we then have to go through the log in process again, and (in our situation) receive yet another automated security pass code phone call, all over again... : (

So I have had BOA since 3 years old (32 yeasts old now). Back then it was called Amsouth bank who changed to Barnett Bank. So I would go there and deposit my money and then get to pick from the treasure prize box. So not only did I have my money but I associated depositing my money to paying off. Plus it was making pennies day being in savings. Not sure if they still do this but it taught me so much about saving money. I have always been good with money from an early age and found out not many people are good with it. I was very, very frugal thanks mom. But I would always share my wealth when I could. Anywho, the point is if this program isn't still happening they should bring it back. Having a bank account early on taught me sooo..many life lessons. I have always had a strong connection cause they literally have been with me my whole life. Plus they are everywhere which has always helped me. Especially touring with my husband all around the US selling art for the last 7 years. Recently, they have gotten very crazy about the fees and how they charge them. I honestly never had this much problem like I have in last year. I have had at least 10 issues or more in the last year. I fix most of them with patiences, time, understanding and just being kind to tellers and employees trying to understand the system. Recently they changed the accounts not for the better. They basically changed their models of accounts to fit Chase's. Which is fine I get it you want to make more money. I am a small businesses who can't get direct deposit checks and and the minimum is $2,500?!? Are you serious!?! Who has that at the end of the month! Sometimes it's that good of a month and I have it. But not always. There is no account for me to save here. Why is the market trying to push out the middle class and small businesses? This is seriously what America was built on! Not huge corporations who get too greedy. Don't get me wrong. I love Corporations and we need them. But we also need a thriving middle class to and it's disappearing. Anywho, the day that me say I'm going to change banks soon because during San Diego Comic Con (we had a booth and were working it). Even though I had deposited money in both my accounts more than plenty for all the fees. They double charged me $35 sooo..$70 for something that is their accident. They refunded me the $35 but not the whole $70 and said I shouldn't run my account that close. I explained the situation talked with a supervisor and their was nothing they could do. That was the straw that made me want to change banks. Buts' it's hard 29 years with the same bank to walk away from that seems insane cause I have to go with someone with as many locations as them. Soo..for now I am keeping it but still feel very unhappy.

Recently, I have been playing in the app more. I found the super easy way to click the Cash back deals and have been saving a ton with that. They update and add more every week or so. So I go to one of favorite restaurants Veggie Grill or Whole Foods and get 5-10% back for every dollar I spend. So I spend $30 at the end of the month I get $3 in my account. I am in love with this. I know they existed before cause I saw them on the website. But they are quick and easy to use then I get free money just for shopping at my favorite stores. I love it! So thank for doing something right! I also miss the personalized debit/credit cards. What happened to that? It was so cute and fun. With my Hello Kitty card alone I probably got like 100 people just to switch banks. Seriously! The app is great download it! You won't regret it!

So BOA do an overhaul and please reevaluated you accounts. Please don't punish small businesses who get checks from companies every month and have no way for direct deposit. Your Business accounts aren't very competitive plus are meant for people who are making at least a super steady income which is impossible as a start up business. Also, your credit card reader the fee is too high. First, why is there any fee your a bank not Square. They charge 2.75% per transaction offer great customer service on the credit card swiper and can do instant deposits. So why would I should I use your reader. I get my money in my account the next day from Square. Unless it's a weekend. Keep up BOA or the millenials will run to Chase. I'm still thinking about it. Why should I be so loyal to a company who doesn't appreciate its customers. Hoping you will change soon!

Hello. I am a long time user of the Bank Of America Mobile APP under
iOS with VoiceOver. Over the years the behavior of the app with VoiceOver
has deteriorated significantly, though it has remained marginally useful up
until the latest version. Below is a description of the problems I'm
aware of, starting with the latest one, which is a show stopper as far as
the app is concerned. I then follow with issues which have been around for
a while, but which could be worked around with some patients.

Thank you for looking into these issues and, I look forward to fixes
for them very soon now that I've brought them to your attention. Also, if
you would like to work with me on testing fixes, etc. I'm happy to help
with that. I'm a 30-year software engineer, so I thoroughly understand
that some of these bugs might be difficult to find and fix, especially if
you're not used to using VoiceOver or a braile display with VoiceOver.

Sincerely,

Brian Buhrow

1. When adding a bill pay payee, it is impossible to select a state for
the payee using VoiceOver.
Description: When adding the address of a new payee in the Bill Pay
section of the app, VoiceOver does not speak the names of the states when
selecting a state from the drop down menu. It says only, "button". Worse,
once a state is selected, it does read that state from the form, but if
another state is selected from the drop down menu, VoiceOver is not
informed of the change and it continues to voice the previously selected
state. This makes it impossible to accurately select a state when entering
a payee's address. As a work around, it is possible to enter an address,
with the state, using on-line banking via a browser, but this is
unacceptable behavior for an ap that purports to provide this
functionality. There is no work around in the app itself.

2. In the Bill Pay Section, it is not possible to flick through the list
of payees.
Description: When looking at a list of payees in the Bill Pay section of
the app, it is impossible to perform a single finger right flick to scroll
down the list of payees. When the focus reaches the end of the current
screen, the focus jumps to the end of the list and skips all the payees on
subsequent screens. If one tries to flick left to move up the list in the
reverse direction, one can read the items on the last screen, then, when
the top of the last screen is reached, focus jumps to the beginning of the
list, skipping all of the intervening screens. The work around is to use
the 3-finger swipe up to move from screen to screen, but this then requires
you run VoiceOver in "explore" mode, which means you need to locate each
button and field with your finger in order to activate it. This is a slow
and inefficient way to operate the app. It also means the app cannot be
used with a braille display without having to pick up the iOS device and
touch the screen.

3. In the Bill Pay Section, it is not possible to flick through the list
of payments when entering payment and pay date information on the screen
one goes to after payees have been selected from the payees list.
Description: When looking at a list of payment items, the list one uses to
enter payment information for each payee,
it is impossible to perform a single finger right flick to scroll
down the list of items. When the focus reaches the end of the current
screen, the focus jumps to the end of the list and skips all the items on
subsequent screens. If one tries to flick left to move up the list in the
reverse direction, one can read the items on the last screen, then, when
the top of the last screen is reached, focus jumps to the beginning of the
list, skipping all of the intervening screens. The work around is to use
the 3-finger swipe up to move from screen to screen, but this then requires
you run VoiceOver in "explore" mode, which means you need to locate each
button and field with your finger in order to activate it. This is a slow
and inefficient way to operate the app. It also means the app cannot be
used with a braille display without having to pick up the iOS device and
touch the screen.

4. In the Bill Pay Section, it is not possible to flick through the list
of payment confirmations after one has paid the payees.
Description: When looking at a list of scheduled payments,
it is impossible to perform a single finger right flick to scroll
down the list of items. When the focus reaches the end of the current
screen, the focus jumps to the end of the list and skips all the items on
subsequent screens. If one tries to flick left to move up the list in the
reverse direction, one can read the items on the last screen, then, when
the top of the last screen is reached, focus jumps to the beginning of the
list, skipping all of the intervening screens. The work around is to use
the 3-finger swipe up to move from screen to screen, but this then requires
you run VoiceOver in "explore" mode, which means you need to locate each
button and field with your finger in order to activate it. This is a slow
and inefficient way to operate the app. It also means the app cannot be
used with a braille display without having to pick up the iOS device and
touch the screen.

Closed my account without notice. Lost my financial aid because my online school was tied to phone I lost. I couldn't get replaced because they held my check till the 15 but told me the 20th. I go to the bank to find out it was mailed on the 15th. Now if it doesn't get here by the 23rd I will lose my storage and everything in it. All I was told was it was a business decision not that anything was wrong with my account. This was somewhere around the 5 or 6 of may. By the way I don't even know how much was mailed to me because I couldn't get anyone on the phone because I couldn't verify my account because it was removed or locked.

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.

I don’t know if I’ve ever written a review for an app before but this one warrants it. I’ve been with BofA for my entire adult life, have 2 credit cards with them in excellent standing and liked them up until this last update about two months ago.

My app only works 20% of the time.

This is not an exaggeration.

Most of the time I literally can’t even log in either with my fingerprint or password. It says they’re able to complete my request/an error has occurred.

If I can get past the log in, I can’t even check my accounts half the time! It’ll say “data of this account is currently unavailable” on my credit cards leaving me unable to see the balance/transactions/OR PAY MY BILL!

The same issue happens with mobile check deposit/transferring money/zelle. How can a banking app be so terrible? It reminds me of that JG Wentworth ad...it’s my money and I need it now. I wouldn’t have been so upset if this had occurred just 1 day or over a week...it’s been 2 months.

I’ve had to delay paying friends/colleagues/workers because of this. I’ve had to go out of my way to deposit a check at a physical bank because of this.

My account is not locked/restricted AFAIK. It works completely fine on a desktop. I’ve deleted and redownloaded the app in frustration multiple times. I’ve turned my phone on and off...no luck.

I will be moving my finances over to Capital One or Chase if this is not resolved in the next week or so. I am tired of not being able to access my money!

How on earth does this app get 5 stars? This app is more complex than it needs to be. Where is the online chat service offered by other other, smaller banks via their apps? Where are the advanced contact, settings options that would truly elevate this app to 5 stars? They aren’t there. My experience with BofA has generally been poor. Poor products and poor service. Their reps are nice enough on the phone when you can actually get one after “longer than usual” or “longer than expected” wait times when I’ve called to resolve an issue that can’t be addressed via this app. There is only basic functionality here at best. Pay to/pay from accounts? I’ve never seen such a complex payment system. What a nightmare just to set up payment accounts. I have accounts with smaller, less well known banks whose apps are not this difficult to set up and use productively. Those apps may not be quite as up to date on certain, non essential features but they are far easier to understand and use in my experience. Each time I’ve called BofA to resolve an issue, I’ve experienced “longer than expected wait times”. One wait was 21 minutes long. In this day and age, with a bank this large, this is unacceptable. Period. This app needs a lot of work to become sleek, streamlined and easy to understand and use. It needs to incorporate easy to set up and understand account payment options and it needs a chat feature. Get with the 21st century BofA! I mean, you’re only one of, if not the largest bank in America. Good grief.

I’ve been a BofA customer for over 20yrs and this app, as well as the desktop version for online banking becomes more cumbersome, and offers less basic banking functionality, with every update.

It’s as if they pay someone to figure out new ways to annoy and frustrate their business customers.

You have to pay for a same day transfer if you want the tremendous convenience of adding a memo to a transaction with an invoice number or some other “frivolous” indulgence.
Because a memo isn’t offered with a less expensive 3 day transfer or ACH option.

And the number of characters allowed for accounting notation shrinks with every other update!

You would think each letter and space cost them their total annual profits.

And I DO mean letters and spaces.

Because God forbid you actually try to use any business banking notations like $ . # - or even the & symbol.

Because the whole entry will be rejected and you get to play, try again.

I’ve had to become so “creative” coming up with “abbreviations” to add the required unique identifier to each transaction, that my accounting notations look like another language.

Every year I swear I’ll move our 14+ “preferred customer” business and personal accounts to another more user friendly bank.
And start a new business banking relationship with a company that makes my work easier instead of adding to the burden.
But, every time I get annoyed enough to act on that “To Do Item”, something more important comes up that needs attending to, so I endure this frustration a little longer.

This app is an excellent resource for managing personal and small business finances. However, the timing for notifications needs work. Notifications often do not reflect the timing of payment or check processing, nor the order of events in which check or payment processing occurs, nor at the speed at which electronic banking is done.

As an example: You need to pay capital gains taxes, but the amount due exceeds the amount you usually keep in checking. So you request a transfer of funds from a holding account into your checking account. Your broker says the funds will be available in 48 hours. You write a check for your tax payment and put it in the mail.

48 hours later you receive a notification that the funds you requested have cleared. 2 hours after that you receive a notification that your check to the tax-person posted the day before, overdrawing on your checking account (because the USPS is more on top of their game than BofA). You now spend several hours on the phone with BofA customer service, cleaning up the mess and requesting a fee-waiver for the bounced check. Overdraft protection from savings kicks in and automatically transfers the balance due from your savings, but since the funds from the brokerage have already cleared you now need to transfer that amount back to savings.

24 hours after all of this you receive a notification that your checking account has insufficient funds and overdraft protection is in effect.

It is DANGEROUS to offer financial notification services that cannot keep up with the pace of electronic banking.

Developers, you should be thinking of the typical user’s experience when planning the layout of this app. While the functionality is there, it is reduced to a mediocre app by the poorly designed UI.

Why is there a dashboard function yet no ability to jump straight to the dashboard upon log in?

Why can’t I pay a BofA credit card from external checking accounts?

After I close the app and swipe out completely, why do I need a pop up notification that I’ve been signed out?

Clean up the cluttered/redundant UI:
Why is there a “open a new account” button immediately under my accounts that just takes me to the products page? I presumably already have an account. Are people opening accounts so often it warrants this button that adds no value? It’s more likely just going to collect errant clicks.

Why is there a “hello customer name” that just takes me to my profile settings?
Why is there a “my rewards” link below that?

Allow users to disable features that clutter the UI. Spending & Budgeting, goals, my rewards, etc. I appreciate that some people may use those features, but for the rest of us, it’s just clutter.

The transactions list is too cluttered. What is the point of the detailed transaction view when you click on the transaction if all of the same info is already in the overall view? Clean up the UI!

First and foremost, every developer on your team should be required to install and use another bank’s app to feel the difference. Capital One has an excellent one. There’s no reason a financial institution like yours couldn’t build a similar or better app.

I opened up my bank account (checking and savings) online, verified my security information and received my approval email on April 16. On the same day I contacted online bank support, verified my information and opened up online banking and setup security alerts, etc. I finally received my Bank of America debit card on April 19, then called to activate the card. I kept receiving a message telling me that the card number was not valid and when I attempted to login online kept receiving an error message. Finally reached customer service only to be told that my account was CLOSED. This was AFTER Bank Of America withdrew $200 from my external checking account to fund both the savings and checking accounts. I had to make several phone calls before I was finally transferred to someone who informed me that the account was closed, without notification or forewarning, because Bank Of America supposedly needed me to come into a bank in person to verify my identity. If that was truly the case they would’ve made that request during the application process and BEFORE my application was fully approved. Needless to say I had no desire to take those additional unnecessary steps AFTER the account had been approved, open, funds withdrawn from my external checking account, then closed. Now I have to wait up to 10 business days to receive the $200 that was previously withdrawn from my external checking account in the form of a paper check via regular mail. If you value being treated with common sense courtesy, dignity and respect, please DO NOT do business with Bank of America.

I have been using BOFA app for bill payment, automatic deposit, and transfers. So far so good until I made an international transfer.

At first, it looked like it’s working. I put the transfer in and got the confirmation. The next day, my online banking didn’t work. I called customer service, was put on hold for 30 mins then talked to one agent and we tried everything under the sun and still didn’t work. Then I got transferred again, waiting for 30 minutes then talked to an agent again. She insisted that it was my browser and she made me login into 3 different browser and 3 different laptop , no dice!

1.5 hours in, we just realized that they flagged my account under fraud because of the transfer and conveniently disabled my login ID and changed it into something else!

I got forwarded to fraud dept and after grilled so many questions, they assured me the wire is through and I could regain my online access. It’s not even 10 mins later, again the wire was flagged and failed and I lost my online access again! I am not going to waste my time and I drove to the nearest branch to do it in person.

Finally I got my wire transfer but I still couldn’t get back my online access. I mean seriously..who designed this flow? If you flag a suspicious activity, you should allow the user login then post a message that said “we noticed suspicious activity please call”. Why arbitrarily changed user id and password without telling a customer and make them wasted hours to no end? To add insult to the injury, they told me to resubmit the transfer and yep, I got locked out again.

iOS 12.1
I would tell you the version of Bank of America application but to switch out of this review screen and I will lose everything that I have typed, which just happened to me, and I’m not interested in that happening again. It is the current Bank of America app in the App Store as of Whatever the time and date stamp of this review is.

Launch application, application crashes, re-launch application, application crashes, application automatically re-launch itself, application then brings itself into the foreground, shoves itself into the background, and waits. I then manually bring the application to the foreground, but clicking anywhere on the screen, such as the username or password field, and the application will crash. I can then re-launch the application and it will be launched into the background, upon which bringing the application into the foreground and pressing any part of the UI, and the cycle above repeats itself.

I have deleted the application, rebooted, checked to be certain everything is up-to-date, and performed all of the basic tasks that I know of to troubleshoot an application under iOS. The application was performing fine under the new operating system that was just released, this happened randomly and sporadically a few hours ago. It’s not particularly easy to get to crash logs under iOS, if you want to contact me outside of this review I can work with someone on this assuming I get one on one contact with someone, and not lost doing a lot of work by myself to then be passed off on inexperienced technicians that don’t know where the last one left off.

Edited to add:

We’ve asked for text/chat support and the ability to lock our CREDIT cards. Instead, you’ve given us “Erica,” an AI financial assistant that no one asked for. What are you doing, BoA? If you can build “Erica” you can create a platform for text/chat support. If Discover and Citi can give me the ability to lock my credit cards, so can you. Yet you refuse to do neither. Continue to be blind to the basics and I may just also give those banks my checking and savings account business as well. I don’t want another AI virtual assistant. What I NEED is the option to lock my credit cards. Plus, text/chat support with agents. I have zero use for “Erica” and since its implementation, I have not tried it once.

Original:
Company is great. Bank is great. Customer Service is great. The app for the most part is great. However, the app and online banking is missing a crucial feature that other competitor banks/credit card companies currently have - the ability to lock and unlock our credit cards.

Please consider adding this feature for credit cards, the same way we can lock and unlock our debit card. This is a feature that is offered by both Discover and Citi - I know this fact first hand because I have their credit cards too. BofA monitoring my credit cards for fraudulent activity is all well and good, however, I also want peace of mind on my end by being able to control when my card is accessible.

I hate to have to give a two star rating even though I love your app and have no other issues with it. I do so because this feature is very important to me and I can imagine is important to many other customers.

None of the account activity alert notifications are arriving to the phone. Specifically “Credit card charge over —- amount” alert. This is the most important alert to detect fraudulent activity. With American Express and Citibank it has saved me from fraud a number of times. With the other institutions the minute I make a charge a notification pops up on my phone. Developers please take note and make the app worth its while. I called customer service and they were very kind in responding but honestly didn’t have any answers. I wonder if I am the only one!

Hi Rachel. I am responding to your response. Before I wrote the review for the app I had done the following...
“ For more information the fastest way to reach us is through the app. From the menu, click on Contact Us, then click Call Now for Online & Mobile Help”

The person on the phone tried to help but didn’t have any real answer or solution. The person was not even sure what I was talking about. They kept trying to confuse it with text messages. The app explicitly allows you to enable push notifications. It is not working. Citi and Amex push notifications come “instantly”. So whatever is wrong obviously can be fixed. Others have it working flawlessly. The following that you wrote to me is honestly not an acceptable answer at all...
“ We do our best to provide alerts in a timely manner with accurate information. Alerts may be delayed by a variety of factors”
Like I said. Fix the app! Citibank and American Express do not have to tell their customers...
“ We do our best to provide alerts in a timely manner with accurate information. Alerts may be delayed by a variety of factors”
Thanks

I’ve been extremely frustrated with how BOA (Bank of America) organizes money coming in and out of your account.

I could have $100 dollars come in make some payments in between, the next day, I get $300 and make some payments, but instead of my account’s accurate balance history, it will say I had $400, then deduct all the payments I made in between those days, which makes checking where my money went annoyingly difficult to track, for no reason. I never had $400 altogether at one time, I had $100, then $300 the next day.

Now add more money coming in on some other days and have it total around $700 or $1000. Your account history would say you had $1,100 or $1,400 on day 1 and on day 3 you have your current balance with transactions from days 1-3 deducted from your total of $1,000+

This is just an example. To reflect my actual experience add a couple more days and more money coming in at different times. I’ve been annoyed with this poor design for several years, but finally has this really put me over the edge on how frustrating this app has organized money coming in and out of my account.

Perhaps it may have been designed this way for a certain reason, but could you at least add a setting/feature which changes how money coming in and out is displayed in a correct chronological order? This would really streamline checking where my money is going between my accounts and out.

Example:
4/2 +$100
Balance $100
4/2 -$10
Balance $90
4/2 -$5
Balance $85

4/3 +$300
Balance $385
4/3 -200
Balance $185

Sorry for rambling. If it didn’t make any sense, I apologize, but maybe you’ll feel a fraction of how confused I was trying to track where my money went between what account and out.

I have had 2 recent experiences with BKAM over the last 2 weeks depositing $1,600 on 3/13 & being told, the 1st $800, which stupid me tried to be efficient & I used your MOBILE APP to quickly make this deposit on a Friday afternoon, would be held for 11 DAYS?!?!?, not just 4 DAYS ; so a friend gave another $800 check to me which I promptly took to ONE OF THE FEW REMAINING BRICK & MORTAR BRANCH OFFICE LOCATIONS STILL OPEN IN MY AREA to CASH THIS CHECK & was told by the teller I could ONLY HAVE $200 & she gave to me a HOLD DEPOSIT SLIP showing the remaining $600 would be available in 4 DAYS ON TUESDAY-3/17- ST PADDYS DAY after 5 PM, which came & went with NO $$$ available in my account so I went to this branch office & talked to TWO BRANCH ASSISTANTS & was told by the more senior of the two that you BKAM ARBITRARILY DECIDED YOU WOULD ALSO HOLD THIS $$$ FOR 11 DAYS UNTIL TODAY —TUESDAY—3/24 AT 17:00 WITHOUT ANY NOTIFICATION TO ME ONLINE VIA THE APP OR EMAIL OR TEXT OR OTHERWISE!
!-> VERY DISGUSTED & DISAPPOINTED WITH HOW YOUR FINANCIAL INSTITUTION HAS DECIDED TO TREAT ME AS A CLIENT OF 50 YEARS OVER THIS LAST 2 WEEKS! . I AM SERIOUSLY CONSIDERING WHAT KIND OF RELATIONSHIP WE HAVE, IF ANY, GOING FOREARD FROM THIS DAY -> even though it is now apparent, YOU DO NOT CARE! In spite of the fact that I told your BRANCH ASSISTANTS I WAS USING THIS $$$ TO HAVE MY ELECTRICAL POWER RECONNECTED TO MY HOUSE THAT WAS TURNED OFF ON 3/22 at 11:30AM, & IS STILL OFF ALMOST 2 WEEKS LATER & HOPEFULLY WILL BE TURNED BACK ON TODAY -> BUT YOU AS A “BIG BANK” DO NOT CARE ABOUT THAT OR ME AS A 50 YEAR CLIENT!
YOU ASKED & NOW YOU KNOW WHY I GAVE YOU SUCH A LOW RATING!

2023 Update: Wow! you just are not really thinking this out. You just combine buttons to make things look simple. Now I have to try and figure out which credit card is which, then figure the due date, then pay it. When you combine buttons you over simplify the interface. Pay Bills, Transfers and Zelle should never be a single button. Who is your developer? Do you even do UAT testing. Your interface is getting harder to use and I seem to be clicking more and more into a circle of confusion. I’m changing my 2 stars to 1 star to simplify my feeling about this app.

2022 update:
I’ve been through many iPhones and many versions of your banking app. But on your last update I go to check my upcoming bill and I see the date. But I can’t see the amount. I thought it was odd at first. So now I have to click on the ebill button to see how much the bill is? That’s odd. I didn’t download the app to play tapping games, I have gaming apps that make me go threw hoops to achieve a goal. Paying a bill is NOT a game. Once the bill is paid you have no problem showing the amount paid. This small change may not seem like much and it might get you a few more clicks on your app but you need to seriously reconsider playing “peek a boo” with peoples time, effort and money. I can bank some other place where tapping games are not played. Be professional and clean. Don’t make it look like you’re trying to hide the amount under the link “ebill” to try and get some extra late fees. That’s just shady business practices. One more thing, I’m writing because you just forced me to “tap” an extra link in your mobile app. I haven’t gotten a late fee, today I guess I’m going to have to play your tapping game until you undo shady act.

This review isn’t based on the app itself, but the bank itself. I had been looking into online banking options where I didn’t have to walk into a physical bank location. I opened my BOA account last week and received my debit card yesterday. I though it was pretty nice how quickly it arrived. Yea, think again! This is THE WORST experience I’ve ever had with a bank in my 39 years of life. I load some money into my account and go out to purchase from a coffee shop and craft store. The purchases went through ok. Later yesterday evening I go to make a gas payment and my card didn’t work! I check my app, I cannot log in. Hmm. Okay? I call the number on the card but it was 8pm and didn’t get a hold of anyone until this morning. Once I finally spoke with someone, I was told I needed to physically visit the closest branch with 2 forms of ID in order to open a NEW account. What?! My account was CLOSED because of “fraud” after not even 7 hours! And yet there were no fraudulent transactions on my account they could tell me about. Not a single email, no text. Not even a phone call because “they don’t do that”. I was told there is a disclaimer when signing up to visit a branch to keep an account and, since I could not do so, that’s considered fraud. I was under the impression this was “online banking”. That’s what I signed up for. I’m not driving 3 hours from Northern, NY to NH to re-open a new account. Now I have ZERO access to my money, paycheck AND pending deposits until I receive a bank check, which could be 2 weeks. After having an account for years through a local branch who unfortunately closed due to COVID, this makes me sick. Especially now that I have to find the means to get me and my family through the next 2 weeks.

I have always had notifications set up in this app to alert me to low balance and pending overdraft charges. I got a new phone for Christmas, loaded the app and logged into my account so it would save my user and password info.

None of the notification settings that should be saved to my account profile were there. They should be preferences stored to the user login profile not by device. I didn’t find out about an overdraft until I received an email THE DAY AFTER a transaction posted, instead of receiving an app alert the day it was pending as I would have if all the notification settings in my profile had carried forward, then I could have made a mobile deposit to cover it.

I received an email after setting up my new phone alerting me that I’ve now set up fingerprint ID for my account. It would be helpful if there was an email sent letting me know they see I’ve logged into my account from a new device and to review all the app notification settings since they aren’t set as profile preferences but are device specific.

There is also no way to delete an old phone number in the My Contact settings. It will only let you replace it, but the only number I have that I could replace it with is already in there and I get an error that it already exists on my account.

When you try the Help button in the right hand corner of the screen where you update your contact info, the phone numbers won’t connect because there are a whole bunch of commas like they’ve programmed in extensions for certain departments. The number it tried to dial when I clicked the link for checking/savings accounts was [protected],,,021739. Why give the shortcut to call instead of listing the phone numbers?

This app has been great until my notifications were all erased. Then I had to deal with their customer service on the phone which might as well be worth eating the fees and not bothering to call in the first place.

BofA was one of the best mobile banking apps... 5 or 6 years ago. Now it’s bloated with features we don’t care about while basic functions are neglected or often degraded by recent updates.

The latest update (the one in that required downloading a completely new app on the iPad in May ) is hopelessly bad. A drunk monkey could design a better user experience.

When apps are simply “updated” they retain all your data like accounts and passwords. When the BofA developers chose to force us to delete the old app (which BofA abandoned—it no longer functions) and download a different app it lost ALL data. In my case multiple personal and business accounts had to be set up again and all preferences were lost. Which is bad enough, but the login and password process is broken. Half the accounts failed the setup process and the other half appear to have failed to retain login data.

The clueless BofA support people have no solution other than “delete the app and reinstall it”. 1.) that deletes all my accounts and data every time and sends me back to square one, 2.) it doesn’t fix the problem, and 3.) if an iOS app must be deleted and reinstalled to make it work it’s BROKEN and should never have been released to the public in the first place.

Furthermore half the features of the previous mobile app now seem to be missing or broken and from the looks of the iPhone version the “upgrade” seems to be far more about inundating us with marketing messages than providing s useful tool. How much BofA advertising is the right amount? How about ZERO, NONE! I want a banking tool that works. I don’t need ANY advertising.

BofA started doing away with genuine customer service 10 years ago. The ONLY reason we still have a number of business and personal accounts with this bank was because their iOS apps were better than other banks for a few years, like 2010-13. You’ve now taken away our only remaining reason for not switching banks.

It’s times like this that I wish we could give negative stars.

TL:DR;
Well I was a member for 3 days and was planing on doing banking and investing with BoA. But apparently my brand account without any transaction yet was deemed a fraud and closed without my knowledge.

Long version:
I opened an account 4 days ago, went thru their very lengthy on boarding process and create an Online ID to use the mobile app that I then download and setup. I believed everything was fine and send my new bank Info to my employer who set up direct deposit with the first paycheck due to be deposited on Monday. Then today I go check my account in the app and I can’t log in. I go on their website and I see “no account associated with this Online ID”. So I get on the phone and call them trying to figure out what’s going on. After an hour waiting / being redirected and bounced back to 6 different person here is what they had to say:

( after 2 redirects I get this nice guy from Cali)

Guy from Cali: yes we can reopen your account but you need to physically go in a branch to check your identity. Oh and you have to make an appointment but sorry I can’t do it for you.

(Redirects me to Maple Grove,MN branch)

Girl 1 - doesn’t get what’s going on and redirect me
Girl 2 - You account is closed for Fraud and We can’t reopen it. You will have to create a new one with us.

Yeah no I’m not doing that. Clearly between Cal and MN someone doesn’t know internal procedures.

So I Hung up and called again, went thru the same crappy customer service trying to get some answers as to what’s going with my account that I need reopened within 2 days.
The last girl gives me the fraud # that was apparently on a note with my account ( something all previous thickheaded apparently didn’t see?)
I called the number and guess what? The fraud department was closed... so let see you guys close my account on a Friday evening and go enjoy your weekend while I’m here wasting my Saturday trying to get some answers?

I wasn’t expecting much from BoA, but I believe good consumer service starts with a simple email notice saying why my account was closed and providing steps for what to do next. That’s is not rocket science just common decency. I’m truly disappointed and can’t ever recommend a band treating potential customers like criminals.