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How do I change my legal name or legal title?
To change your legal name or legal title: Please bring a government-issued photo ID plus any additional documentation specific to your situation to any Bank of America financial center. An associate will give you forms to complete and will assist you with obtaining a new debit card and/or credit card.
If you are a co-owner or authorized user on the account: Please note that in order for us to update your name, the account owner (or other co-owners) must accompany you to the financial center.
| If you have a name change due to: | Please bring your government-issued photo
ID and the following documentation: |
|---|---|
| Legal name misspelling on your account | Birth Certificate |
| Marriage | Marriage Certificate |
| Divorce | Divorce decree |
| Legal court order | Legal court order |
| Adoption | Adoption certificate |
If you don’t live near a financial center: Please contact customer service at 800.432.1000
(Mon-Fri 7 a.m.-10 p.m. or Sat-Sun 8 a.m.-5 p.m., eastern time).
How do I close my account?
Open or switch to a new account
Things you can do to make sure your account is ready to be closed
How to close a checking/savings account
How to close a credit card account
How to close a IRA or CD account
What you can expect after your account is officially closed
We appreciate your business and are sorry to hear you want to close your account. We hope you’ll consider speaking with us first so we can address any concerns you might have. Call us at 800.432.1000 to share your feedback with us.
Before proceeding with closure, you might be interested in converting your existing account to a different account or finding a new one.
Things you can do to make sure your account is ready to be closed
- Confirm your mailing and email addresses are correct – we’ll email you to let you know when your account is officially closed and send your final statement in the mail – please make sure your information is up-to-date. You can review and update your account profile by logging in to Online Banking.
- Bring your account balance to zero – this is an important step. If you have a remaining balance, please transfer it to another account a few days before closing it because this process can take a while to complete. If your account has a negative balance, you’ll need to pay it in full or talk to us before we can officially close it.
- Cancel any recurring payments and stop making new transactions:
- If you use your account to make recurring payments (such as internet access or subscriptions) you’ll need to contact the businesses to let them know the account is closed and to make other payment arrangements.
- If you have outstanding checks, let the payees know your account is closed.
- Make sure all transactions have posted and are no longer pending before you request to close the account.
- Make other arrangements for any direct deposits. We won’t accept direct deposits into your account.
- Turn off any features you might be using like Keep the Change or Balance Connect™ for overdraft protection.
- For business accounts, if you have a Merchant Services account associated with the deposit account, contact the Merchant Services team before closing this account. If you have Remote Deposit Online (RDO) associated with the account, contact the RDO Help Desk before closing the account.
- Please destroy any debit cards and checks associated with your account.
- Download any statements you need for your records, since you won’t have access to them once your account is closed.
How to close a checking/savings account
- In person – visit us at a financial center near you. You can make an appointment and schedule a time that’s convenient for you.
- Phone – call us anytime at 800.432.1000 and please have your account number ready.
- Mail – send a request in writing to:
- Bank of America
- FL1-300-03-15
- PO Box 25118
- Tampa, FL 33622-5118
- Overnight delivery:
- Bank of America
- National Service and Solutions
- FL1-300-03-15
- 4909 Savarese Circle
- Tampa, FL 33634-2413
- Bank of America
- FL1-300-03-15
- PO Box 25118
- Tampa, FL 33622-5118
- Overnight delivery:
- Bank of America
- National Service and Solutions
- FL1-300-03-15
- 4909 Savarese Circle
- Tampa, FL 33634-2413
Here are a few things you’ll need to do if you mail your request:
- Include your name, address and account number on the letter.
- All account owners need to sign it.
- If you have a balance, let us know if you’d like it to be transferred to another Bank of America deposit account or mailed to you as a cashier’s check.
- If your account balance is more than USD $25,000, your letter will also need to be notarized by a notary.
How to close a credit card account
- Visit a local financial center to speak with a personal banker
- Call us at 800-732-9194
- Submit your request in writing to:
Bank of America
P.O. Box 982234
El Paso, TX 79998-2234
What you can expect after your account is officially closed
- If we have your email address on file, we’ll send you a message once your account is officially closed.
- You’ll receive your last statement in the mail, so you can confirm there aren’t any unexpected transactions. If something doesn’t match, please contact us right away.
How do I stop payment on a personal check?
You can request a stop payment on a personal check via Online Banking or by calling customer service at 1.800.432.1000 Monday through Friday from 7 a.m. to 10 p.m.; Saturday and Sunday from 8 a.m. to 5 p.m., local time or by calling the number on your statement.
To request a stop payment via Online Banking, please select the account and click Stop payment on a check under Services. Then complete the required information.
You will need to provide the following information: check number, date written, exact amount, and payee. If the amount and check number are not exact, the check may be paid. The stop payment cannot be placed on an item that has already been presented. A stop payment on a personal check will be effective for 6 months. We ask that you contact us if any information on the confirmation is not correct. For further information regarding stop payments, stop payment fees or regarding bank and customer responsibilities, please refer to your Deposit Agreement and Disclosures brochure.
How can I withdraw money from my personal checking account?
Lots of ways, including:
- Online Banking – to transfer funds between Bank of America accounts
- Bill Pay – to pay your bills in minutes from one simple site
- Cash withdrawals from Bank of America ATMs and other ATMs (at non-Bank of America ATMs we charge a fee for withdrawals; the ATM operator may charge an additional fee)
- Telephone transfers between Bank of America accounts
- Transfers between linked accounts at Bank of America ATMs
- Bank of America debit card purchases at participating merchants
- Scheduled transfers
- Personal checks
- Transactions with a financial center teller
(Additional transaction fees may apply. Refer to the disclosure you received with your account setup materials.)
How do Transactions Made After Business Day Cut-off impact my account?
Certain transactions you make to your checking accounts after the business day cut-off and before midnight* are included in the balance we use to pay transactions that night. This process may impact when fees apply to your accounts. The credits can help you avoid overdrafts, returned items and related fees. However, the debits may cause you to incur overdrafts, returned items and related fees.
The After Business Day Cut-off transaction deadline is based on the state where you opened your account and is listed in the table below:
After Business Day Cut-off Transaction Deadline:
| State Where Account Was Opened* | After Business Day Cut-off Transaction Deadline |
|---|---|
| AR,AZ,CA,IA,ID,IL,IN,KS,MI,MO,NM,NV,OK,OR,TX,WA | 11:59 PM Central Time |
| CT,DC,DE,FL,GA,MA,MD,ME,NC,NH,NJ,NY,PA,RI,SC,TN,VA | 11:59 PM Eastern Time |
*may not be midnight local time in some states.
The following credit transactions increase your balance used to pay transactions that night: cash deposited at an ATM or at a financial center, and transfers to your account from another Bank of America deposit account made at an ATM, at a financial center, through Online Banking or through Customer Service.
The following debit transactions reduce your balance used to pay transactions that night: cash withdrawals made at an ATM or at a financial center, and transfers from your account made at an ATM, at a financial center, through Online Banking or through Customer Service. To maintain a positive balance you need to ensure you have adequate funds in your account or in an account you linked for overdraft protection. Learn more about Overdraft Protection to cover these transactions.
The table below shows how transactions you make affect the balance we use to pay transactions, and the date that a transaction will appear on your account statement.
| Transaction Completed | Included in Balance used to Pay Transactions that Night? | Posting Date |
|---|---|---|
| Before today’s Business Day Cut-off | Yes | Today’s Date |
| AFTER today’s Business Day Cut-off and BEFORE midnight* | Yes | Our Next Business Day |
| Midnight or after* | No | Our Next Business Day |
*may not be midnight local time in some states, see After Business Day Cut-off Transaction Deadline table.
The 2nd row in the table above illustrates that transactions made between Business Day Cut-off and midnight are included in your balance used to pay transactions that night but post to your account on our next business day.
What is the bank’s holiday schedule in 2021?
Bank of America offices and financial centers will be closed in observance of the following holidays:
| New Year’s Day | January 1 |
| Martin Luther King Jr. Day | January 18 |
| Presidents’ Day | February 15 |
| Memorial Day | May 31 |
| Independence Day | July 5 |
| Labor Day | September 6 |
| Columbus Day | October 11 |
| Veterans’ Day | November 11 |
| Thanksgiving Day | November 25 |
| Christmas Day | December 25 |
Please note that holidays may affect the time it takes to process certain transactions, and that updated transaction information may not display until the next business day after the holiday.
What is the FDIC?
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. If an FDIC-insured bank for savings association fails, the FDIC protects depositors against the loss of their insured deposits. FDIC insurance is backed by the full faith and credit of the United States government.
For more information about FDIC insurance, including the “Your Insured Deposits” layer brochure, visit the FDIC website layer. You may also contact the FDIC by calling 877-ASK-FDIC (877-275-3342).
What does the FDIC insure?
FDIC insurance covers all types of deposit accounts (checking, savings, money market savings and CDs), as well as bank individual retirement accounts (IRAs).
What is the insurance limit?
Deposits in checking accounts, savings accounts, money market savings accounts and Certificates of Deposit (CDs) are insured up to $250,000 per depositor, per insured bank, for each account ownership category under the FDIC’s general deposit insurance rules. Deposits in bank individual retirement accounts (IRAs) are separately insured up to $250,000 per owner.
To learn more, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit www.fdic.gov layer.
Does Bank of America participate in the FDIC’s Transaction Account Guarantee Program?
As of January 1, 2010 Bank of America no longer participates in the FDIC’s Transaction Account Guarantee program. Coverage under the FDIC’s basic deposit insurance rules continues to apply. Funds held in noninterest-bearing transaction accounts will no longer be guaranteed in full under the Transaction Account Guarantee Program, but will be insured up to $250,000, per depositor, per insured bank, for each account ownership category under the FDIC’s general deposits insurance rules.
What should I do if I get an abandoned property notification from Bank of America?
If you have not accessed your account for an extended period (typically 3 years or more), you may receive a letter from us letting you know your account is considered abandoned and may be turned over to the state under escheat laws. You will need to follow the instructions on your letter to contact the bank and prevent escheatment.
What is escheatment? Escheatment is the process of reporting and remitting abandoned/unclaimed property to the appropriate state agency for custodial safekeeping. Each state has laws that govern when accounts are considered inactive and/or abandoned and when we’re required to send a customer’s property to the state.
Property types subject to escheatment include:
- Checking and savings account balances
- CD and IRA balances
- Safe deposit box contents
- Cashier’s checks and other official items that are not negotiated
- Securities (such as stocks, bonds and mutual funds)
We encourage you to log in and check your balances regularly to keep your accounts active. Questions? Contact us at 800.432.1000.
FAQs
Does Bank of America accept deposits by mail?
To bank by phone, call 800.432. 1000. Use these addresses for mailing us deposits….Other ways to bank.
| Deposits by Mail Only Address | Overnight or FedEx Only Address |
|---|---|
| PO Box 105576 Atlanta, GA 30348-5576 | GA4-004-01-52 6000 Feldwood Road College Park, GA 30349-3652 |
Can you mail a deposit to a bank?
You can mail your check with a deposit slip to your bank for deposit as you would typically send mail, including by overnight delivery if you are in a hurry. It may take a few extra business days for the deposit to post. Each bank will have specific policies on the account agreement or a related FAQ
How do I deposit cash into a Bank of America account?
Following on the heels of other national banks, Bank of America no longer accepts cash deposits into an account that’s not yours. So, why did they make this change? According to the company, this policy change is for the safety and security of its customer’s accounts.
How do I deposit a check with Bank of America?
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.
Can I deposit money at Bank of America without an account?
A mail-in deposit is a service offered by banks that allows you to send them checks for deposit by postal mail. Usually banks have lockboxes (special PO boxes) that accept these deposits. Once the bank receives the deposit, the checks are processed and funds are deposited in your bank account.
What happens when you deposit over $10000 check?
When sending money by mail, use money orders as a safe alternative to cash and personal checks. U.S. Postal Service® money orders are affordable, widely accepted, and never expire. Your money order receipt will help you track your payment and show proof of value in case the money order gets lost, stolen, or damaged.
Can you send money through the mail?
For accounts opened for fewer than three months, the deposit limit is $2,500 per month. For Bank of America Preferred Rewards members with membership for fewer than three months, there is a $25,000 per month limit. For accounts with membership of three or more months, the limit is $50,000 per month.
Why is Bank of America not accepting cash deposits?
To deposit a check by mail, endorse the check by signing it and writing “for deposit only” on the back, and write your account number under the endorsement.
What is the deposit limit for Bank of America?
Mailing a check in the United States via regular mail is quite safe. Numerous checks move through the mail every day, including many of the payments made through online bill payment services. Banks sometimes send those payments electronically, but they often print a check and drop it in the mail.
How do I mail a check for deposit only?
Remote deposit allows someone to deposit checks to an account without handing over the physical check to the bank. They simply snap a photograph or scan the front and back of a check, then transmit it electronically.
Can you send a check through mail?
Email notification
Recipients instantly receive their Digital Check via email and can choose to either deposit the check Online or Print for mobile deposit or Instant deposit to their debit card. When the recipient clicks on the blue button, the deposit page will be displayed.
Can I mobile deposit an emailed check?
Instead of bringing a check to the bank, mobile check deposit allows consumers to snap a picture of the front and back of a check using a smartphone and deposit it using a bank’s mobile app. In the banking industry, these digital transactions are referred to as remote deposit capture. It’s both convenient and safe.
Can you upload a picture of a check to deposit it?
No, you must take the picture with your device while you are in the process of making the remote deposit.
Can someone send me a picture of a check to deposit?
If you attempt to cash or deposit an emailed photo of a paper check, there is a high likelihood that the bank will turn you away, unless they are able to verify and validate it.
Can I deposit a screenshot of a check?
Crooks exploit the fact that banks must make funds from a check deposit available to the account holder within days but can take far longer to discover that the check is phony ? sometime weeks, according to the Federal Trade Commission (FTC).
Can someone hack your bank account by depositing a check?
Depositing a check is simple, with our Bank of America mobile banking app. Start by opening your app, signing into your account and selecting “Deposit Checks.” Then, take a picture of the front and back of the endorsed check with your smartphone or tablet. [Visual: Mobile Check Deposit on Mobile App.
Accessible Banking from Home or Office with Bank of America
Accessible Banking from Home or Office with Bank of AmericaExperience the security and convenience of banking or borrowing from your home or office.Online BankingGo online and check your account balances, transfer money and review your account activity and transactions. You can also use Bill Pay to pay your bills in minutes from one site. View, print and download up to 18 months of checking account statements. You can even open accounts and apply for certain types of loans.Learn more about Online BankingEnroll in Online BankingBanking by phoneYou can access your accounts using our automated telephone banking service 24 hours a day, 7 days a week and 365 days a year. Check your balances, transfer money, find out what checks have recently posted and verify recent deposits and withdrawals. To contact Banking by Phone, call phone number for Telephone Banking service 800.432.1000 We accept calls made through relay services (dial phone number for relay services 711)For mortgages and home equity accounts, call:Mortgage Customer Service phone number for Mortgage Customer Service 800.669.6607. We accept calls made through relay services (dial phone number for relay services 711)Home Equity Customer Service phone number for Home Equity Customer Service 800.934.5626. We accept calls made through relay services (dial phone number for relay services 711)Bank by mailYou can mail us a deposit via U.S. mail or overnight delivery service by sending your check(s) to the appropriate address:Send via Standard MailSend via Overnight or FedExPO Box 105576Atlanta, GA 30348-5576GA4-004-01-526000 Feldwood RoadCollege Park, GA 30349-3652For your security, do not send cash. Mail all other correspondence to the customer service address located on your bank statement.Direct depositWith the convenience and reliability of direct deposit, recurring deposits are made electronically into your checking, savings or money market account with no additional fee. Deposits can include salary, pension, Social Security and Supplemental Security Income (SSI) benefits or other recurring deposits.Learn more about direct depositAutomatic paymentsYou can have payments to your Bank of America loan or credit card made automatically. With automatic payments, your funds will be deducted directly from your checking or savings account.
Access Your Accounts – Bank of America
Ways To Access & Manage Your Bank Accounts at Bank of AmericaSwitch to Bank of AmericaMake the switch to Bank of America and get convenient access to thousands of Bank of America ATMs and financial centers and 24/7 Online Banking.Switch to Bank of America in 4 easy steps.Direct depositIt’s the fast, worry-free way to deposit your paycheck, pension, Social Security or other recurring deposits. Direct deposit will make your recurring deposits electronically to your checking or savings account—automatically.Qualifying deposits include salary, pension, Social Security and Supplemental Security Income (SSI) benefits and other regular monthly income.Set up direct deposit.Online BankingEnroll in our Online Banking and get easy and secure access to your accounts—anytime, anywhere. Check account balances and transactions, transfer funds between accounts, and set up Online Banking Alerts to notify you about important activity in your accounts. You can also use Bill Pay to pay your bills in minutes from one simple site. Online Banking gives you control of your finances. It’s secure and easy.Learn more about Online Banking.
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
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.
Account Information and Access FAQs – Bank of America
Account Information and Access FAQs – Bank of America | How do I change my legal name or legal title? To change your legal name or legal title: Please bring a government-issued photo ID plus any additional documentation specific to your situation to any Bank of America financial center. An associate will give you forms to complete and will assist you with obtaining a new debit card and/or credit card.If you are a co-owner or authorized user on the account: Please note that in order for us to update your name, the account owner (or other co-owners) must accompany you to the financial center.If you have a name change due to:Please bring your government-issued photoID and the following documentation:Legal name misspelling on your accountBirth CertificateMarriageMarriage CertificateDivorceDivorce decreeLegal court orderLegal court orderAdoptionAdoption certificateIf you don’t live near a financial center: Please contact customer service at 800.432.1000(Mon-Fri 7 a.m.-10 p.m. or Sat-Sun 8 a.m.-5 p.m., eastern time).Find a financial center How do I close my account? Open or switch to a new account Things you can do to make sure your account is ready to be closed How to close a checking/savings account How to close a credit card account How to close a IRA or CD account What you can expect after your account is officially closed We appreciate your business and are sorry to hear you want to close your account. We hope you’ll consider speaking with us first so we can address any concerns you might have. Call us at 800.432.1000 to share your feedback with us.Before proceeding with closure, you might be interested in converting your existing account to a different account or finding a new one.Things you can do to make sure your account is ready to be closed Confirm your mailing and email addresses are correct – we’ll email you to let you know when your account is officially closed and send your final statement in the mail – please make sure your information is up-to-date. You can review and update your account profile by logging in to Online Banking.Bring your account balance to zero – this is an important step. If you have a remaining balance, please transfer it to another account a few days before closing it because this process can take a while to complete. If your account has a negative balance, you’ll need to pay it in full or talk to us before we can officially close it.Cancel any recurring payments and stop making new transactions:If you use your account to make recurring payments (such as internet access or subscriptions) you’ll need to contact the businesses to let them know the account is closed and to make other payment arrangements.If you have outstanding checks, let the payees know your account is closed.Make sure all transactions have posted and are no longer pending before you request to close the account.Make other arrangements for any direct deposits. We won’t accept direct deposits into your account.Turn off any features you might be using like Keep the Change or Balance Connect™ for overdraft protection.For business accounts, if you have a Merchant Services account associated with the deposit account, contact the Merchant Services team before closing this account. If you have Remote Deposit Online (RDO) associated with the account, contact the RDO Help Desk before closing the account.Please destroy any debit cards and checks associated with your account.Download any statements you need for your records, since you won’t have access to them once your account is closed.How to close a checking/savings account In person – visit us at a financial center near you. You can make an appointment and schedule a time that’s convenient for you.Phone – call us anytime at 800.432.1000 and please have your account number ready.Mail – send a request in writing to:Bank of AmericaFL1-300-03-15PO Box 25118Tampa, FL 33622-5118Overnight delivery:Bank of AmericaNational Service and SolutionsFL1-300-03-154909 Savarese CircleTampa, FL 33634-2413Bank of AmericaFL1-300-03-15PO Box 25118Tampa, FL 33622-5118Overnight delivery:Bank of AmericaNational Service and SolutionsFL1-300-03-154909 Savarese CircleTampa, FL…
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.
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
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.
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.
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.