Bank Of America Online Business – Headquartered in Charlotte, North Carolina, Bank of America serves everyone from individuals to large corporations worldwide, including in Europe, the Middle East, Latin America and the Asia-Pacific region. It is one of the largest international banks, ranking tenth in the world and second in the United States.
Bank of America offers standard banking options including checking and savings accounts, certificates of deposit, credit cards, money market and CD IRAs. It also offers property, risk, investment and wealth management, as well as stock trading, insurance, mortgages and private equity.
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For customers looking to reach milestones at their banking institution, Bank of America can also help with home buying, college education and retirement planning.
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At Bank of America, you can request a statement online for a hard copy or paperless digital copy mailed to you. To order a Bank of America statement online, you must log into your Internet Banking account and go to the Statements and Documents tab under the Accounts tab.
From there, you should visit the request page where you can enter your information and receive your statement via email, usually within one business day. You can access your next week’s statement.
If you prefer to print a copy of your statement, you can also request a copy by post online. Because Bank of America stores statements for up to seven years, a printed document provides greater access to statement information than a one-day digital request. Once you reach the request page, click on ‘Request a copy of your statement’. You can expect your statement to arrive within two weeks of your order. Of course, if online doesn’t work, you can schedule an appointment with a Bank of America representative to discuss your statement needs in person. Many of the offers that appear on this site are from advertisers who have been compensated by this site for what is listed here. This remedy may affect how and where products appear on this site (including, for example, the order in which they appear). These offers do not cover all deposit, investment, loan or credit products available.
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FDIC Member Bank of America Mobile Deposit makes it easy to add funds to your account using any device with a built-in camera. The mobile app will notify you when you reach your monthly deposit limit. In most cases, funds deposited by or after the 21:00 cut-off time are available the next business day.
How long it takes for a Bank of America mobile deposit to reach your account depends on the time zone the account was opened in, the type of deposit and when it was made.
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Check deposits made before the business day cut-off time are usually available the next business day. Time zone wise cut-off times are as follows:
For example, if you open an account in the Eastern Time Zone and deposit a check before 9:00 p.m. ET on Thursday, your funds will be available on Friday.
If you deposit after 21:00 on Friday, your funds will be available on Tuesday. Deposits made on Saturday or Sunday will be available on Tuesday.
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Deposits made on a federal holiday will be credited to your account on the first day after the next business day. For example, if Monday is a holiday, the money will be available on Wednesday.
In accordance with the Bank of America Deposit Agreement and Disclosure, there may be instances of delays in the availability of funds. In such cases, you will be notified on the next working day. However, the first $225 of funds deposited will be available the next business day.
Special terms apply to new accounts. Within the first 30 days of opening your account, funds from personal check deposits are generally available by the fifth business day of deposit.
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When you deposit certified or cashier’s checks, cashier’s checks, travelers’ checks, or government checks, the first $5,525 of each deposit day is available before the second business day. Remaining funds are available on the fifth working day after deposit.
Transfers are handled differently than check deposits. You have immediate access to funds transferred from another Bank of America escrow account to your account.
However, if you are on a business day at 11:59 p.m. ET, you won’t see it in your transfer history until the next day. Funds transferred on Saturdays, Sundays or public holidays will appear in your transfer history on the next business day.
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Bank of America, a member of the FDIC, imposes limits on the amount of check deposits into your account through Mobile Deposit. Limits vary by account and depend on account age and Bank of America Preferred Rewards membership status. You can find your limit by selecting the deposit account in the mobile app.
Bank of America’s mobile deposit fee is waived. However, your wireless carrier may charge you for a message or data transfer.
You make mobile deposits using the Bank of America Mobile application available on Google Play and the App Store.
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On both platforms, the app is a powerful tool not only for managing your accounts, but also for managing your finances. Here are some things you can do:
The app has a virtual assistant named Erika who can help you use the app and send alerts with financial information and advice. You can use the app to contact customer support if you need live support or want to schedule an appointment with an account specialist. Security features like Touch ID and Face ID protect your accounts from fraud.
Good to Know Most types of checks can be deposited online at Bank of America using the mobile app. Eligible check types include personal and business checks, cashier’s checks, and government and treasury checks. How to Deposit Checks with Bank of America Mobile Deposit
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Depositing checks requires a few simple steps. Before you begin, tear off the check from a slip or other paper. Then place the check so that it is flat on a dark, well-lit surface.
Step-by-Step Guide to Bank of America Mobile Deposit Sign the check and confirm the back by writing “For Deposit at Bank of America Only” below the signature. Open the app and sign in securely with your fingerprint. Select the “Deposit Checks” link. Take a picture of the check front and back with your smart device by selecting the “Check Front” and “Check Back” buttons in the app. Select the account you are depositing the check into. Enter the deposit amount. Confirm your payment details. Tap “Donate”.
In addition to depositing a check, you can use the app to save, print, or email a copy.
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Most consumers should find Bank of America Mobile Deposit a valuable tool. But there are some disadvantages.
Bank of America Mobile Deposit offers customers a quick and easy way to deposit money into their accounts. Although there are some exceptions to the types of checks that can be deposited this way, the most common ones — personal, teller and government — are acceptable.
Basic mobile deposit capabilities come standard. What sets the Bank of America mobile app apart from other major banking apps is a virtual assistant and budgeting tool that helps you manage all aspects of your finances and schedule a face-to-face appointment with an account specialist.
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Editorial Note: This content was not provided by any of the entities covered by this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author and have not been reviewed, endorsed or approved by any organization mentioned in this article.
Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured in The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Dariah studied journalism at the County College of Morris and earned a degree in communications from Centenary University in New Jersey.
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