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The new Bill Pay section is poorly designed trash that has ruined the app experience. Not only is it ugly, it does a poor job of visually integrating with the rest of the app. Clunky and unintuitive, to now make an online payment you must sift through multiple screens, making multiple clicks—all of which is very confusing to the consumer. You now also have to manually assign a “pay by” date to complete the process which is terribly annoying. (The default should be set similar to the pre-updated version that automatically sets the earliest possible date for you. But, still allow a user to manually set their own “pay by” date if needed.) Overall, the former Bill Pay was MUCH easier to utilize and MUCH nicer to look at. To add to the problems, we no longer have the ability to delete old “Pay To” accounts from within the app the way we could previously. Another oversight. BOA has definitely taken steps backwards with this update. If I had to guess, budget cuts forced BOA to begin implementing new app updates via internal junior-level design team, rather than outsourcing to a professional UI/UX firm. As a result, this update has a “beta” feel displaying poor form, function and usability. Really embarrassing for a big bank.
I am not sure why the notification button needs to be out on its own on the upper left side of the screen. Every time when the app reacts slowly (which happens a lot actually), I will click the exit screen multiple times. And when the app actually reacts, it always takes me to the notification screen, which will first ask me if I want to customize or quick setup. Once I selected either, a notification window will pops out to ask if I want to change my iPhone notification setting before I can finally get to the screen to exit. The most ridiculous thing is that the every time I click, it will spin forever till it reaches the next stage. The whole process will take me forever and I cannot exit till I get to the notification screen. I have already set up my notification setting when I first opened online banking. I am not sure why BoA is so obsessed with notifications that it has to be a standalone button on the main page and I have to reset so many times. It’s completely useless and if I really need to change, it should be done within setting, not its own button. I manage bank accounts for my entire family and have multiple bank/brokerage apps. Nothing frustrates me more than this. That space on the app should be reserved for something far more important than notification setting and should be something easy to get out if you accidentally click on it, given that’s where you exit the page before.
I tried to set up auto pay to automatically pay the whole balance every month. No can do. The app automatically schedules the minimum payment every month. No way to change on the app. No help - so far - from customer service. Sad. Here is an update: I got a response from a member of the tech team. It said that the developer needed more information on the type of account. Fair enough. But the response took several days and I was unable to respond to the feedback. Clicking the response link went to a leave feedback general page so the whole thread would have been lost. In the meantime I called the general customer service number. They did not have the information so they referred me to a technical support line which was closed for the evening. I called tech support. They told me what I was trying to do (pay in full every month—less interest fees to the bank) could only be done on the desktop app, not the mobile app. So it is a deficiency in the mobile app. To add insult to injury making this change is not effective immediately or even in a few days but not until the next billing cycle over a month away. Poor technology choices all around. Desktop and mobile apps both. My rating of 2 stars has been confirmed several times over.
For a massive bank you sure as heck skimp on your software development. Credit card accounts only show statement and current balances, but where is the adjusted balance? What do I mean by an adjusted balance? Given a statement balance that you are required to pay off in full 1 month later, someone could pay this statement balance in chunks over the next month until the due date to avoid being charged interest. Every other major credit card company will show you an adjusted balance which is your statement balance less any payments in that month before the due date. This is a simple concept. Instead when I go to bill pay, I see my current balance (useless) and my statement balance. To figure out how much I need pay I have to go through my transactions to see how much I’ve paid and subtract it from my statement balance. This type of workflow extremely error prone, likely on purpose in order to pad your bottom line, that is collect interest (way to put the customer first). By not showing adjusted balances you are in fact being predatory and relying on user error to make money. Just show us our adjusted balances!! If this ever gets seen $10 says the response is: “hi, we’ve forwarded this to our development team”, which may as well be a black hole. It’s 2019, get agile and improve your mobile app cadence and implement asked for features. Judging by the reviews of reading you have pages of suggestions!
This is the glitchiest app I use and it’s frustrating that a mammoth of a financial institution cannot invest in a more robust mobile application. Almost every time I try to use mobile deposit, it hangs up. Usually this happens during the photo step. Often though, I get all the way to the end and try to finish the deposit and I get a pop up message that it failed and to try again later. Sometimes it fails all day and I have to wait until a day or two later. I turn off my phone and try refreshing it that way. I look for updates. Nothing will correct it. So I’m sitting on checks that I can’t deposit unless I go to a branch and that sort of defeats the purpose of a mobile app. Admittedly, I’ve considered switching banks because it’s happening more often now than it did a year or two ago, but I don’t have time to read reviews to see if any other banks have better technology. This is among the most frustrating apps I have. I get anxiety every time I need to deposit because I almost can predict that it’s going to take me all day to try dozens of attempts. It’s like I have to set aside a good time to go to work at it. My brother and daughter use the same bank/app and we recently shared our frustrations so I know it’s not my phone. (Sigh)
Developed by the Bank of America.
Bank of America Mobile Banking has 1 679 131 user reviews.
Bank of America Mobile Banking is ranking in Finance on the 9.
Bank of America Mobile Banking has an average rating of 4.8.
The latest version of Bank of America Mobile Banking (8.3.2) was released on Nov 08, 2019.
You can download Bank of America Mobile Banking here:.
Bank conveniently and securely with the Bank of America® Mobile Banking app for U.S.-based accounts.
Manage Your Bank Accounts and Finances
• Review activity and balances in checking, savings and credit card accounts
• View mortgage, auto loan and other account balances
• Activate or replace credit/debit cards
• Order checks
• Set app alerts to be notified of important account info
Mobile Money Transfer
• Securely send and receive money with
Zelle® using a mobile number or email address¹
• Transfer funds between your Bank of America accounts
Mobile Bill Pay
• Schedule/edit/cancel payments
• Pay eBills
• Add/edit Pay To accounts
Mobile Check Deposit
• Simply take photos of checks to deposit them
• Immediately see the processing deposit in your account²
Erica, your virtual financial assistant³
• Ask Erica to find transactions, pay bills and more
• Get valuable alerts, helpful insights and financial guidance
Contact Us Easily
• Quickly reach a representative for help or questions with your accounts
• Schedule an appointment to meet with a specialist
• Find ATMs and financial centers
Special Offers & Deals
• Get cash back with BankAmeriDeals® when you use your eligible Bank of America credit/debit cards
• Get exclusive credit card offers
Help Stay Secure
• Change Online ID or Passcode
• Set up Touch ID® / Face ID® to securely sign in
• If fraudulent activity is suspected on your debit or credit card, we'll notify you
• With our Mobile Banking Security Guarantee, you’re not liable for fraudulent transactions when reported promptly⁴
See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for more information. Mobile carrier message and data rates may apply.
¹ 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.
² Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply.
³ Erica 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, so consider where you interact by voice.
⁴ You’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.
All features may not be available in iPad.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
FICO is a registered trademark of Fair Isaac Corporation.
iPhone, iPad, Touch ID, and Face ID are registered trademarks of Apple Inc.
Bank of America and related trademarks are trademarks of Bank of America Corporation
Bank of America, N.A. Member FDIC
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