Bank Of America Reviews

Bank of America offers a variety of features and benefits through its online and mobile banking services:

• Online Banking: Rated #1 over 9 years in Dynatrace’s Banker Scorecard. It allows users to check balance, deposit checks, view statements, pay bills, transfer money between accounts, and set up alerts through email, text, or push notifications.

• BankAmeriDeals®: Users can browse cash-back deals no matter where they are.

• Pay & Transfer: Users can schedule or pay bills online from home, the office, or wherever they can connect. They can make quick, secure transfers between their accounts, or use Zelle® to exchange money with friends and family even if they have accounts at other banks.

• Budget & Track: The Spending and Budgeting tool allows users to set up a budget and monitor spending in their accounts to quickly see where their money goes and helps them take control of it.

• Bank Securely: Users can help protect their account with fingerprint sign-in on their mobile device. They can order a new card, or lock/unlock their debit card to prevent unauthorized use. They can update their passcodes and security settings anytime in the Online Banking Security Center.

• Mobile Advantage: Mobile Banking offers convenient, secure banking from almost anywhere. Users can create custom alerts to track their balance or see if a payment is due. They can add a digital wallet to pay with their phone.

• Erica, Your Virtual Financial Assistant: Users can chat with Erica, their virtual financial assistant.

These features provide convenient and secure banking from a computer, tablet, or smartphone. For the most accurate and up-to-date information, it's recommended to check the official Bank of America website or contact their customer service.

Bank of America has various fees associated with its services. Here are some key points:

• Account Maintenance: There is a monthly maintenance fee for certain accounts. This can be waived if a minimum daily balance of $20,000 or more is maintained. Preferred Rewards clients can also get this fee waived.

• International Transaction Fee: A fee of 3% of the U.S. dollar amount is charged for each converted international transaction. Preferred Rewards Diamond and Diamond Honors members qualify for a waiver of this fee.

• Overdrafts: Transactions will be declined and returned unpaid when there isn't enough money in the account. No overdraft fees are charged on the account. However, a merchant or third party could charge a fee, such as a late payment fee.

• Stop Payment: There is no charge to place a stop payment on a recurring debit card transaction. The fee is waived for Preferred Rewards (Platinum, Platinum Honors, Diamond and Diamond Honors) members.

• Savings Account: A $1.00 fee may be charged for each additional transfer and withdrawal made before the statement cycle ends. This fee is not charged if a minimum daily balance of $300 or more is maintained.

Please note that these are just some of the fees and they are subject to change. For the most accurate and up-to-date information, it's recommended to check the official Bank of America website or contact their customer service.

Bank of America offers several methods for making payments:

1. Online: Customers can make payments to their Bank of America credit card in Online Banking. They can make a transfer from their Bank of America checking or savings account, or set up payments from another financial institution's checking or money market account using the optional Bill Pay service.

2. ATM: Customers can make Bank of America credit card payments at ATMs with their Bank of America credit card and check or cash.

3. Phone: Customers can make payments by calling the designated phone number.

4. Drop off: Payments can be made at any Bank of America financial center.

5. Mail: Payments can be mailed to the specified mailing addresses.

For merchant services, Bank of America accepts most common payment types including credit or debit cards, Apple Pay®, Google Pay™, and Samsung Pay.

For more specific issues, customers are advised to contact Bank of America's customer service. They can provide assistance with disputes, managing funds transfers, updating contact information, and more.

Remember, it's always important to review the terms and conditions of your specific account for detailed information. If you need more information, consider reaching out to Bank of America directly.