In today’s fast-paced world, managing your finances on the go is no longer a luxury—it’s a necessity. The Bank of America Mobile Banking App provides a robust and secure platform to handle all your banking needs directly from your smartphone. Whether you need to check your account balances, pay bills, deposit checks, or manage your investments, this app puts financial control at your fingertips. Let’s explore the key features that make this app an essential tool for modern banking.
Comprehensive Account Management
Staying on top of your finances is effortless with the mobile banking app. You can easily view all your account balances and transaction history for checking, savings, credit card, loan, and investment accounts in one place. Need to activate a new card or replace a lost one? You can do that directly within the app. Customizable account alerts keep you informed about important account activity, ensuring you never miss a beat when it comes to your money. This comprehensive overview simplifies financial management, saving you time and reducing stress.
Seamless Money Transfers and Bill Payments
Moving money and paying bills has never been more convenient. The Bank of America mobile banking app integrates Zelle®, allowing you to securely send and receive money with individuals using just a U.S. mobile number or email address¹. Transferring funds between your Bank of America and linked Merrill accounts is also streamlined, making internal transfers quick and easy. Bill Pay functionality lets you manage and pay your bills directly through the app, simplifying your monthly financial tasks and reducing the need for multiple platforms.
Convenient Check Deposit
Say goodbye to bank runs for check deposits. With the mobile banking app‘s mobile check deposit feature, you can deposit checks anytime, anywhere. Simply take photos of the front and back of your check using your smartphone, and deposit them directly into your checking or savings account. You’ll receive immediate confirmation that your check is being processed², providing peace of mind and instant validation of your deposit.
Erica®: Your Virtual Financial Assistant
Imagine having a financial assistant available 24/7. Erica®, your virtual financial assistant within the mobile banking app³, is there to help. You can ask Erica to locate specific transactions, initiate bill payments, and much more through voice or text commands. Erica also provides valuable alerts and personalized insights to help you make smarter financial decisions. This smart assistant enhances your banking experience by providing instant support and information whenever you need it.
Top-Tier Security Features
Security is paramount when it comes to mobile banking. The Bank of America mobile banking app incorporates advanced security measures to protect your financial information. You can set up biometric authentication with Touch ID or Face ID® for quick and secure logins. The app also provides a security center where you can access various security settings and resources. Furthermore, with the Mobile Banking Security Guarantee, you are not liable for fraudulent transactions when reported promptly⁴, offering an additional layer of protection and reassurance.
Investment Management with Merrill
For those managing investments with Merrill, the mobile banking app offers seamless integration. You can trade stocks, ETFs, and mutual funds directly through the app. Stay informed with up-to-date market data, news, and quotes to make timely investment decisions. Securely communicate with your advisor and exchange documents, all within the app environment, simplifying your investment management process.
FICO® Credit Score Access
Understanding your credit score is crucial for financial health. The mobile banking app provides easy access to your FICO® Score, allowing you to monitor this vital metric regularly. You can also view the key factors influencing your score and find resources to help you maintain healthy credit. This feature empowers you to take control of your creditworthiness and financial future.
Financial Education and Budgeting Tools
Beyond basic banking, the mobile banking app offers tools to enhance your financial literacy and budgeting skills. Set and manage savings goals to achieve your financial objectives. Organize and track your spending by category to understand where your money is going. Compare your spending against your income and easily create budgets based on your spending history or from scratch. These tools promote better financial habits and help you achieve long-term financial wellness.
The Bank of America mobile banking app is more than just an app; it’s a comprehensive financial management tool designed to simplify your life. With its user-friendly interface, robust features, and top-notch security, it’s the ideal solution for anyone looking to bank conveniently and securely on the go. Download the app today and experience the future of banking.
Disclaimers:
See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for more information. Mobile carrier message and data rates apply.
¹Zelle transfers require enrollment and must be made from a Bank of America consumer checking or savings account to a domestic bank account or debit card. Recipients have 14 days to register to receive money or the transfer will be canceled. Dollar and frequency limits apply.
²Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply.
³Erica only listens or speaks when you tap the microphone and retains interactions to optimize your experience. Erica speaks aloud and hears and responds to all voices. Erica is only available in English.
⁴You’re not liable for fraudulent Mobile Banking transactions when you notify the bank within 60 days of the transaction first appearing on your statement and comply with security responsibilities.
Investing involves risk. There is always the potential of losing money when you invest in securities.
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as MLPF&S or Merrill) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (BofA Corp). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.
Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. (MLLA), a licensed insurance agency and wholly owned subsidiary of BofA Corp.
Banking products are provided by Bank of America, NA, and affiliated banks, Members FDIC and wholly-owned subsidiaries of Bank of America Corporation.
Investment products
• Are Not FDIC Insured
• Are Not Bank Guaranteed
• May Lose Value
All features may not be available on iPad and may only be available for certain account types
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license
iPhone, iPad, Touch ID and Face ID are registered trademarks of Apple®, Inc
Bank of America related trademarks are trademarks of Bank of America Corporation
Bank of America, NA Member FDIC
©2025 Bank of America Corporation
