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Want to know when the funds from a check you deposit become available for your use? Or when funds you send by transfer are credited to another account? Find Cutoff and processing times for Mobile Check Deposit, Transfers and Bill Pay here.
The cutoff time for Mobile Check Deposits are based off of the time zone in which the account was opened. Checks received by the following cutoff times on a business day are considered deposited on that day, and will usually be available the following business day.
| Time Zone | Cutoff and availability times |
|---|---|
| Eastern or Central | Funds deposited before on a business day will generally be available the next business day. |
| Mountain or Pacific∗ | Funds deposited before on a business day will generally be available the next business day. |
Transfer funds between your Bank of America accounts or to other Bank of America customers using their account number.
| Recipient account | Fund Availability |
|---|---|
| Credit accounts
(credit card, charge card, business line of credit, installment loan or mortgage accounts) |
on a bank business day for same-day credit. |
| Deposit accounts
(checking, savings, money market accounts) |
All transfers are credited immediately.
When will it show in my transaction history? layer |
| Merrill Lynch, Pierce, Fenner & Smith investment accounts | on a bank business day for same-day credit. |
| Type of transfer | Fund Availability |
|---|---|
| Zelle® transfers
Registered Zelle recipient |
Funds are typically available within minutes1 |
|
Unregistered Zelle recipient |
A hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. If your recipient hasn’t registered within 14 days, the transfer will be canceled and the funds will be returned to your account.
1 Sometimes, for your account security, we may need additional time to verify the transfer details. In this situation, a hold will be placed on your account for the amount of the transfer. You will be notified by email when the transfer is completed. |
| Next-business-day and 3-business-day transfers* | for next-business-day or 3-business-day transfer. Funds will be received by the recipient’s bank either the next business day or within 3 business days. |
| Same-business-day domestic outbound transfers* | for same-business-day (wire) transfer. Funds will be received by the recipient’s bank on the same business day. |
| International outbound transfers* |
for international wire transfer. Sending customer will be informed when the funds will be available to the recipient at the time the transfer is scheduled. |
| Payee type | Fund Availability |
|---|---|
| Bank of America Credit Card accounts | for same-day credit. |
| Bank of America Mortgage | For customers who pay with their Bank of America Checking or Savings account, payments scheduled before on a business day gives you same-day credit |
| Bank of America Vehicle loans | For vehicle-loan-only customers, payments scheduled before on a business day gives you same day credit. For customers who pay with their Bank of America Checking or Savings account, payments scheduled before on a business day gives you same-day credit. |
| Non Bank of America Billers | Payments initiated before on a business day will be scheduled and begin processing on the same business day. |
When will deposit accounts transfers show in my transaction history?
- Funds transferred before 10:45 p.m. ET on a business day show the same day’s date in the transaction history
- Funds transferred after 10:45 p.m., but before 11:59 p.m. ET, on a business day are included in the balance to pay transactions that night–but, they will show the next day’s date in the transaction history
- Funds transferred on a Saturday, Sunday or bank holiday will show the next business day’s date in the transaction history
FAQs
How do you deposit cash into Bank of America?
You can get cash, deposit cash and checks, make transfers between accounts, check account balances and make a payment to your Bank of America credit card. You can also manage your ATM preferences to customize your ATM experience, change your ATM/debit card PIN and view nearby ATM locations.
Can you deposit cash inside Bank of America?
Deposits made to a Bank of America account are not available for immediate withdrawal. Unless a hold is placed, deposits on a business day before cutoff time will be processed that night and are generally available the next business day.
Is Bank of America deposit instant?
Sign the back of the check and write ?for deposit only at Bank of America?. Take photos of the front and back of the check with your smartphone ? just select the Front of Check and Back of Check buttons. Select the account to receive the deposit, enter the amount and tap Next.
Does Bank of America Do deposits?
Bank of America: Deposits can only be made at Bank of America-branded ATMs. Withdrawals, transfers and balance inquiries can be made from other ATMs, though a $2.50 fee from BofA will apply, likely in addition to an ATM-owner surcharge.
Where can I deposit cash in Bank of America?
You can access your accounts at thousands of automated teller machines (ATMs), all of which are audio ATMs. As a Bank of America account holder, you don’t incur fees for withdrawals, transfers or balance inquiries at ATMs displaying the Bank of America name and logo.
What ATMs can I use if I Bank with Bank of America?
In most cases, there is no cap on the dollar amount you can deposit through an ATM. However, there may be a maximum number of items you can deposit. Wells Fargo, for instance, limits the number of bills and checks you can deposit to 30 per transaction.
Can I deposit $4000 at ATM?
The Bank of America mobile check deposit limit is $10,000 per month for accounts opened for three months or longer. For accounts opened for fewer than three months, the deposit limit is $2,500 per month.
Can I deposit $4000 at ATM?
Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday (the first business day), so the hold will go into effect the next business day (Tuesday).
Can I deposit $4000 at ATM?
If you deposit more than $10,000 cash in your bank account, your bank has to report the deposit to the government. The guidelines for large cash transactions for banks and financial institutions are set by the Bank Secrecy Act, also known as the Currency and Foreign Transactions Reporting Act.
How much money can you deposit at once?
Depositing a big amount of cash that is $10,000 or more means your bank or credit union will report it to the federal government. The $10,000 threshold was created as part of the Bank Secrecy Act, passed by Congress in 1970, and adjusted with the Patriot Act in 2002.
Why does Bank of America take so long to deposit?
The $10,000 Rule
Ever wondered how much cash deposit is suspicious? The Rule, as created by the Bank Secrecy Act, declares that any individual or business receiving more than $10 000 in a single or multiple cash transactions is legally obligated to report this to the Internal Revenue Service (IRS).
How much cash deposit is suspicious?
Under the Bank Secrecy Act, banks and other financial institutions must report cash deposits greater than $10,000. But since many criminals are aware of that requirement, banks also are supposed to report any suspicious transactions, including deposit patterns below $10,000.
What is Bank of America deposit limit?
Funds deposited before 9:00 p.m. ET on a business day will generally be available the next business day. Funds deposited before 8:00 p.m. PT on a business day will generally be available the next business day. You will be notified if a hold is placed on any deposited funds.
What happens when you deposit over $10000 check?
There is no Bank of America deposit limit for deposits made in an ATM, although there might be a limit to the number of bills or checks you can deposit in a single transaction, based on the capacity of the ATM.
How much can I deposit at an ATM Bank of America?
Generally, a bank or credit union has until at least the next business day to make your cash deposit available to withdraw or to use these funds to cover your checks and debits.
How long does it take for money to deposit into your account?
A pending deposit will generally take two business days to go through, assuming that the transaction is standard and able to be verified by your bank. There are some situations where it may take longer, such as if you’re depositing a much larger amount than usual.
How to use Mobile Check Deposit for Fast & Simple Deposits
How to use Mobile Check Deposit for Fast & Simple DepositsGet it on the App StoreBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.Or we can text a download link directly to your phonePhone Number In 999-999-9999 FormatPlease enter a valid 10-digit phone numberBy providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Get it on the App StoreBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.Or we can send you a link by emailPlease enter a valid email addressApple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Get it on Google PlayBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.Or we can text a download link directly to your phonePhone Number In 999-999-9999 FormatPlease enter a phone numberBy providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.Get the mobile banking appBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices.Continue We’ve sent you a download linkWe sent an email with the download link to We sent a text message with the download link to We couldn’t send the linkWe’re sorry we weren’t able to send you the download link. Please try again, or use your mobile device to get the app from its app store.
Deposit Account FAQs – Bank of America
Deposit Account FAQs – Bank of America Sign inLog inLocationsEn españolShow/Hide Menu related links Deposits FAQsMost frequently asked questions Checking, savings, CDs and IRAs Account services ATMs and debit cards Rates and fees Ways to contact Bank of America Most frequently asked questions ABA routing number Account information and access Debit cards Direct deposit ABA routing number undefined Account information and access undefined Debit cards undefined Direct deposit undefined Checking, savings, CDs and IRAs Applying for a bank account CDs and IRAs Savings accounts Student accounts Applying for a bank account undefined CDs and IRAs undefined Savings accounts undefined Student accounts undefined Account services ABA routing number Account information and access Direct deposit Keep the Change Ordering checks Overdrafts and overdraft protection Safe deposit box Statements Tax preparation Wire transfers ABA routing number undefined Account information and access undefined Direct deposit undefined Keep the Change undefined Ordering checks undefined Overdrafts and overdraft protection undefined Safe deposit box undefined Statements undefined Tax preparation undefined Wire transfers undefined ATMs and debit cards Self-service ATMs ATM cards Debit cards Self-service ATMs undefined ATM cards undefined Debit cards undefined Rates and fees Self-service ATMs Bank account rates and fees Self-service ATMs undefined Bank account rates and fees undefined Ways to contact Bank of America Contact Bank of America Schedule an appointment Contact Bank of America undefined Schedule an appointment undefinedContact usSchedule an appointmentSchedule an appointmentCall usPhone number:844.375.7028
Self-service ATMs: Accessibility, Limits, & Features
Self-service ATMs: Accessibility, Limits, & FeaturesSelect Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location. | Getting cash at an ATM Show all answers What is the maximum amount of money I can withdraw at an ATM? The amount you can withdraw from an ATM is based on several factors, including limits that are set based on your card or account type, availability of funds in your account at the time the withdrawal is requested and in some cases the amount the ATM is capable of dispensing. How do I set a Cash Preference? Setting a Cash Preference enables you to set a preference for a specific dollar amount you commonly withdraw. Once you’ve set a Cash Preference amount, this preferred amount will appear on the PIN entry screen and also on “How much cash do you want?” during a Get cash withdrawal selected from the ATM’s main menu. Simply enter your PIN and then tap your preferred amount to speed up your withdrawal. In some cases, the maximum Cash Preference amount that can be set may be lower than your ATM daily withdrawal limit. To change your preferred Cash Preference amount at any time, visit a Bank of America ATM and start your transaction as you normally would. Select View more from the main menu, Manage preferences, then Cash preference, See how to set your ATM preferencesYou will also be presented with additional withdrawal amount options on the PIN entry screen. You can quickly select one of the offered options, rather than going to the ATM’s main menu to complete your withdrawal. If you need to withdraw money from an account other than the primary checking account assigned to your debit card, follow the Get cash prompts on the ATM’s main menu. What denominations are available at Bank of America ATMs? When getting cash at a Bank of America ATM, you will have the ability to choose what bill types you would like for your withdrawal. Most of our ATMs have $10s, $20s or $100s available for selection, but sometimes there are exceptions. If there is more than one denomination to choose from at the time of your withdrawal, you will have the opportunity to select it in all of the same bill type (for example, in all $10s), choose a custom selection, or allow the ATM to pick for you. How do I use the Mobile Banking app to get cash at a Bank of America ATM? Setting up ATM withdrawals through our Mobile Banking app is easy—and can save you time when you’re on the go. Here’s how:Log in to our Mobile Banking app and select the checking or savings account from which you would like to get cash.Scroll to the ATM section and select GET CASH.When asked “How much cash do you want?,” simply select a pre-filled dollar amount or enter an Other Amount. (Dollar amounts lower than the account’s available balance and/or the card’s daily ATM withdrawal limit will be available for selection in increments of $20.)Select your preferred receipt type: Email Receipt,…
Deposit Holds FAQs – Bank of America
Deposit Holds FAQs – Bank of AmericaSelect Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location. | How can I avoid a hold on my deposit? You can avoid a hold on your deposit by encouraging individuals and business entities paying you to use electronic payment solutions such as direct deposit, Automated Clearing House (ACH) payments, online transfers, wire transfers and peer-to-peer services such as Zelle®. These types of payments are typically available the same day they are received or scheduled to occur. Watch a video about how to avoid deposit holdsReturn to FAQs list Why does the bank place a hold on my deposit? The hold allows us (and the bank paying the funds) time to validate the check – which can help you avoid potential fees in the event a deposited check is returned unpaid. Keep in mind, though, that a check may still be returned unpaid after funds have been made available to you. Please refer to your Deposit Agreement and Disclosures for complete information.Return to FAQs list How do I know that a deposit hold has been placed on my account? We inform you of a deposit hold in a variety of ways, depending on how the deposit is made:ATM deposit: We’ll tell you of any hold on both the ATM screen and your printed receipt.Financial center deposit: Your deposit receipt will include a notice of any hold.Mobile deposit: The deposit confirmation screen on your device will tell you of any hold.Email alert: If a hold was not originally placed when you deposited the check and we later determine one is necessary, an alert will be sent to the email address you’ve provided to us.Mail notification: If a hold notification wasn’t provided at the time the deposit was made (for example, a deposit you make by mail), a hold notice will be sent to the mailing address you’ve provide to us. If you’ve opted in to receive paperless documents, you can view the hold notice in your Online Banking account.Return to FAQs list How long will the hold on my deposited check be in place? Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday (the first business day), so the hold will go into effect the next business day (Tuesday).In some cases, the length of the hold can change based on new information we may receive or discover. If this happens, you will be notified promptly through mail and/or email.Return to FAQs listDiscover the smart banking solutionWhatever your needs, we have the account and features to help you bank your wayPlease select your countyEnter your zip codePlease enter the zip code for your home address so we can give you accurate rate and fee information for your location.
Cutoff Times for Check Deposits, Transfers & Payments
Cutoff Times for Check Deposits, Transfers & PaymentsSkip to main contentSelect Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location.Want to know when the funds from a check you deposit become available for your use? Or when funds you send by transfer are credited to another account? Find Cutoff and processing times for Mobile Check Deposit, Transfers and Bill Pay here.The cutoff time for Mobile Check Deposits are based off of the time zone in which the account was opened. Checks received by the following cutoff times on a business day are considered deposited on that day, and will usually be available the following business day.Time ZoneCutoff and availability timesEastern or CentralFunds deposited before 9:00 p.m. ET on a business day will generally be available the next business day.Mountain or Pacific∗Funds deposited before 8:00 p.m. PT on a business day will generally be available the next business day.Transfer funds between your Bank of America accounts or to other Bank of America customers using their account number.Recipient accountFund AvailabilityCredit accounts(credit card, charge card, business line of credit, installment loan or mortgage accounts)11:59 p.m. ET on a bank business day for same-day credit.Deposit accounts(checking, savings, money market accounts)All transfers are credited immediately.When will it show in my transaction history? layerMerrill Lynch, Pierce, Fenner & Smith investment accounts4:45 p.m. ET on a bank business day for same-day credit.Type of transferFund AvailabilityZelle® transfersRegistered Zelle recipientFunds are typically available within minutes1Unregistered Zelle recipientA hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. If your recipient hasn’t registered within 14 days, the transfer will be canceled and the funds will be returned to your account.1 Sometimes, for your account security, we may need additional time to verify the transfer details. In this situation, a hold will be placed on your account for the amount of the transfer. You will be notified by email when the transfer is completed.Next-business-day and 3-business-day transfers*8:00 p.m. ET for next-business-day or 3-business-day transfer. Funds will be received by the recipient’s bank either the next business day or within 3 business days.Same-business-day domestic outbound transfers*5:00 p.m. ET for same-business-day (wire) transfer. Funds will be received by the recipient’s bank on the same business day.International outbound transfers*5:00 p.m. ET for international wire transfer. Sending customer will be informed when the funds will be available to the recipient at the time the transfer is scheduled.Payee typeFund AvailabilityBank of America Credit Card accounts11:59 p.m. ET for same-day credit.Bank of America MortgageFor customers who pay with their Bank of America Checking or Savings account, payments scheduled before 5:00 p.m. ET on a business day gives you same-day creditBank of America Vehicle loansFor vehicle-loan-only customers, payments scheduled before 3.30 p.m. ET on a business day gives you same day credit.For customers who pay with their Bank of America Checking or Savings account, payments scheduled before 5:00 p.m. ET on a business day gives you same-day credit.Non Bank of America BillersPayments initiated before 5:00 p.m. ET on a business day will be scheduled and begin processing on the same business day.When will deposit accounts transfers show in my transaction history?Funds transferred before 10:45 p.m. ET on a business day show the same day’s date in the transaction historyFunds transferred after 10:45 p.m., but before 11:59 p.m. ET, on a business day are included in the balance to pay transactions that night–but, they will show the next day’s date in the transaction historyFunds transferred on a Saturday, Sunday or bank holiday will show the next business day’s date in the transaction history
Mobile Check Deposit FAQs – Bank of America
Mobile Check Deposit FAQs: Limits, Fees, How Long it Takes & MoreGet it on the App StoreBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.Or we can text a download link directly to your phonePhone Number In 999-999-9999 FormatPlease enter a valid 10-digit phone numberBy providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Get it on the App StoreBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.Or we can send you a link by emailPlease enter a valid email addressApple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.Get it on Google PlayBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.Or we can text a download link directly to your phonePhone Number In 999-999-9999 FormatPlease enter a phone numberBy providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.Get the mobile banking appBefore you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their polices.Continue We’ve sent you a download linkWe sent an email with the download link to We sent a text message with the download link to We couldn’t send the linkWe’re sorry we weren’t able to send you the download link. Please try again, or use your mobile device to get the app from its app store.
Setting Up Direct Deposits & How They Work – Bank of America
Setting Up Direct Deposits & How They WorkInvesting in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”, or “Merrill”), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Bank of America Corporation.Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Bank of America Corporation.Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.Investment and insurance products:Mastercard is a registered trademark of Mastercard International Incorporated, and is used pursuant to license. Visa is a registered trademark of Visa International Service Association, and is used pursuant to license from Visa U.S.A. Inc.. Touch ID is a registered trademark of Apple Inc., registered in the U.S. and other countries.”Get more rewards with your everyday banking” is a trademark and Bank of America Core Checking, Bank of America Interest Checking, Merrill Edge, Merrill Lynch, Clarity Statement, SafeBalance Banking, Total Security Protection, BankAmeriDeals, Keep the Change, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.
Direct Deposit FAQs – Bank of America
Direct Deposit FAQs: What is Direct Deposit?Select Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location. | Where can I find my ABA routing number on my check? If you’re reordering checks, setting up a direct deposit or an automatic payment or preparing a wire transfer, you’ll probably be asked to provide an ABA routing number.This sample check image shows where ABA routing numbers can be found on your checks. (Refer to your own check for your specific numbers.)Access your money faster with direct depositPlease select your countyEnter your zip codePlease enter the zip code for your home address so we can give you accurate rate and fee information for your location.
Remote Deposit Online Help and FAQs from Bank of America …
Remote Deposit Online Help and FAQs from Bank of America Small Business Business AdvantageSign inLog inLocationsShow/Hide Menu related links View questions about:Print