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Account Statement FAQs

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Online statements
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Can I view my statements with check images online?

Yes, your statements with check images are available online: You can view, print and download up to 36 months of your statements at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail.

If you’re an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today

What should I do if I’m having trouble viewing and downloading my statements?

To view your statements online in PDF format, we recommend using Adobe Reader version 6.0 or higher (download Adobe Reader layer). If you’re having trouble downloading your statements, we recommend trying a different browser (view our list of supported browsers).

When do my statements become available online?

Credit card, checking and savings statements become available in Mobile and Online Banking on approximately the same date each month, depending on your statement closing date, though may vary by a day or two because of how many days are in a month (for example 28 in February vs. 31 in March) or U.S. bank holidays. Automobile and recreational vehicle loan statements become available 20 days prior to your payment due date.

The availability of mortgage and home equity statements can vary. For more information, please contact customer service.

How do I go paperless and stop mail delivery of my statements?

If you're an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today

How can I stop or resume mail delivery of paper statements?

For eligible accounts, Bank of America makes it possible for you to stop (or resume) receiving paper statements in the mail. Paperless statements allow you to avoid messy filing and conserve our natural resources. When you receive paperless statements, you get all the same information that you get today in your paper statements (promotional materials will not be included).

To change your paper statement delivery preferences, sign into Online Banking, select Profile & Settings then Paperless settings. If you choose to stop delivery of paper statements, we’ll send you an email every month reminding you that your statement is available for viewing online. You can always resume delivery of your paper statements at a later date by going to Profile & Settings within Online Banking and selecting the Paperless settings link.

Is there a fee to go paperless?

There is no fee to go paperless. If you’re an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today

Why should I go paperless?

There are many advantages to stopping mail delivery of your paper statements:

  • You may be able to help reduce your threat of mail fraud or identity theft.
  • You receive exactly the same information in an online version of your statement through Online Banking as you would with a paper version.
  • You get an email each month notifying you that your statement is available for viewing and printing online.
  • You receive your online statements several days before you receive your paper statements.
  • You can order copies of statements beyond what is available online (we keep copies of your statements for 7 years)
  • You can resume paper mail delivery of your statements with Check Safekeeping or check images at any time

If you're an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today.

Where can I find the Balance Your Account worksheet?

To make balancing your account easier, we have a step-by-step worksheet available to you. The printable worksheet allows you to enter recent transaction activity and compare your account balance with the current statement. Download the Balance Your Account worksheet (PDF, requires download Adobe Reader layer)

Ordering statements
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How do I request an online copy of my statement?

You can order copies of your statements beyond what is available online, up to 7 years ago. Your statement copy will be delivered online, free of charge.

If you are an Online Banking customer, you can sign into Online Banking, and select Statements & Documents under the Accounts tab. Then select the Request statements tab. Electronic statements are available 24-36 hours after your request, and are accessible for 7 days. You'll receive an email with a link to your statements when they're available.

Not an Online Banking customer? Enroll in Online Banking today

How do I request a paper statement copy by U.S. mail?

You can order a paper statement copy beyond what is available online. We keep copies of your statements for 7 years. If you are an Online Banking customer, you can sign into Online Banking, and select Statements & Documents under the Accounts tab, then go to the Request statements tab and select Order a paper statement copy. Paper statements will be mailed 7 to 10 business days after you submit your request.

Not an Online Banking customer? Enroll in Online Banking today

Note: A fee may apply for ordering paper statement copies by U.S. mail. Refer to the Personal Schedule of Fees to learn which fees may apply for your account.

How long will Bank of America retain statements?

We keep copies of your statements for up to 7 years.

If you're an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today

Check images
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How do I view my check images online?

Your check images are available online for viewing up to 18 months. If you are an Online Banking customer, you can sign into Online Banking and select your account from the Accounts tab. You can then select a check for viewing from the Activity tab.

If you're an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today

Is there a fee to have check images included with my paper statement?

We generally charge a monthly fee for including one or more check images with your paper statement. Please see your Personal Schedule of Fees for more information.

If you currently receive paper statements, you can avoid the fee by switching to our Check Safekeeping service. Contact your customer service representative at the number listed on your statement for additional details.

When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail.

If you're an Online Banking customer, you can go paperless now. In most cases, your paperless settings will take effect after your next document cycle.

Not an Online Banking customer? Enroll in Online Banking today

How do I order a paper copy of a check image by U.S. mail?

If you are an Online Banking customer, you can order check copies now or sign into Online Banking and select your account, then select the Information & Services tab.

Not an Online Banking customer? Enroll in Online Banking today contact us for assistance with your check copy request.

For copies of checks more than 18 months old, you will need the check number, date and amount for each check ordered.

For check copies from your line of credit account, please call us at 800.934.5626.

Please note: A fee may apply for ordering check copies. Refer to the Personal Schedule of Fees to learn which fees may apply for your account.

Will I receive check images if I currently receive a combined statement?

In most states, if you have a combined statement, the check images are available only for your primary checking account. All canceled checks for other accounts will be held by us, according to the Check Safekeeping Service as described in your account agreement.

Your check images are available online for viewing up to 18 months. If you are an Online Banking customer, you can sign into Online Banking and select your account from the Accounts tab. You can then select a check for viewing from the Activity tab.

How long will Bank of America retain check images?

The bank retains check images for up to 7 years from the date they are posted to your account.

Can check images be used for proof of payment (for example, for taxes or IRS audits)?

The IRS, Federal Reserve, local and state governments, courts of law and merchants generally accept check images as valid proof of payment.

What is Check 21? Can I still get my original checks?

The Check Clearing for the 21st Century Act (Check 21) is a federal law allowing banks that process checks to convert them to substitute checks to make the exchange of funds easier. When an original check is processed and an image of your check is created, the original check is usually destroyed by the processing bank. This improves the efficiency and safety of the nation’s check payment system. All financial institutions must comply with this federal law, as of October 28, 2004.

Can I receive check images with my Braille or large print statement?

No, check images are not available for Braille or large-print statements at this time.

Stop receiving paper statements in the mail. Instead you can view download or print your statements in Mobile or Online Banking anytime.

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