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Deposits

FAQs: Account Information and Access

  • Hide How do I access my account?

    Using Online Banking or Mobile Banking, you can access your Bank of America checking, savings accounts, CD, IRA, credit card, mortgage and line of credit account information. You can also access your account by phone, ATM or the nearest banking center.

  • Show How do I find my account number?

    To find your account number, sign in to Online Banking and select the link to your account, then select the Information & Services navigation tab. In the Account details area of the page, select the Show link next to Account Number and your number will be displayed.

  • Show How do I find the nearest Bank of America banking center?
  • Show What is a banking center?

    Bank of America banking centers are locations where you can transact your business in person.

  • Show What are your hours?

    You can use our ATM & Banking Center Locator to find the hours of the banking center near you.

  • Show How do I change my address?

    The fastest way to update your street address is by signing into Online Banking. You can also update your information by calling Customer Service at 1.800.432.1000 (all states) or by visiting any banking center.

  • Show How do I change my legal name?

    To change your legal name, please bring a government-issued photo ID along with the documentation (described in the table on this page) to any Bank of America banking center. A banking center associate will give you supporting forms to complete and will assist you with obtaining a new debit card and/or credit card. For a new debit card, fees may apply; please see your Personal Schedule of Fees for more details. This will route to the appropriate state version.

    If you have a name change due to:Please bring your government-issued photo ID and the following documentation:
    Legal name misspelling on your accountBirth Certificate 
    MarriageMarriage Certificate 
    Divorce Divorce decree 
    Legal court order Legal court order 
    Adoption Adoption certificate 

    If you do not live near a Banking Center, please contact customer service at 1.800.432.1000. Customer service associates are available Monday through Friday from 7 a.m. to 10 p.m. and Saturday and Sunday from 8 a.m. to 5 p.m., local time.

  • Show How do I close my account?

    We are sorry to hear that you want to close your account. If we can improve your banking experience with us, please let us know what we can do. Call us at 1.800.432.1000 or send us an email if we can assist you in any way.


    To close your account, please submit your request in writing to Bank of America, FL1-300-01-29, PO Box 25118, Tampa FL 33622-5118. Be sure to have all account owners sign the letter and tell us how you would like to receive your balance.

  • Show How can I choose the best checking account for me?

    If you want to open a personal account, you’ll find checking account options, account selector tools and account comparison chart right online.

  • Show How do I talk to a customer service representative about my account?

    Bank of America’s customer service is available Monday through Friday from 7 a.m. to 10 p.m. and Saturday and Sunday from 8 a.m. to 5 p.m., local time. You can make inquiries on your checking, savings, money market deposit, or CD accounts by calling the number on your statement or checks, or the number for Bank of America in your local telephone directory.

  • Show 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 go to the Information & Services tab for your account. Please read the disclosure, then select Continue and submit 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.

  • Show 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 banking center teller

    (Additional transaction fees may apply. Refer to the disclosure you received with your account setup materials.)

  • Show How do I deposit money into my personal checking account?

    You can use a Bank of America ATM that accepts deposits, direct deposit, Mobile Check Deposits, deposit by mail or visit a Bank of America banking center.

  • Show What does it mean if I receive a hold on my account after I have made a deposit?

    A hold means that although we've received your check for deposit, you won't be able to use the funds until the hold period has expired. We use many factors to determine if a deposit hold will be placed. These factors include your account history, account balances, the maker, the dollar amount and type of check being deposited. Hold periods are typically two to five business days, and may extend longer in unusual circumstances. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid.

    Situations that typically cause a check to be held include:

    • There is reason to believe the funds may be uncollectable
    • The source of the check, such as foreign checks
    • The account is a new account, new account rules apply for the first 30 days the account is open.
    • The account has repeated overdrafts in the last 6 months
    • The check is in an amount greater than $5,000 or larger than you normally deposit
    • Fraud is suspected
    • The check was previously deposited, then returned unpaid
    • The check was not properly endorsed
    • Emergency situations, including computer or communication failure
    • Incorrect routing or account number information on a deposit slip

    We notify you at the time of the deposit or send you a notice by mail if we place a hold on your deposit. This hold notice helps prevents you from inadvertently overdrawing your account.

    If we place a hold on a deposit you make at a banking center, your teller will provide you the hold notification at the time of the deposit. If we place a hold at an ATM, most often we will notify you on the receipt. If we place a hold at a later time, we'll send you a notice by mail.

    Example of Banking Center deposit receipt information
    Example of Banking Center deposit receipt information
    Example of Banking Center deposit receipt information
    Example of Banking Center deposit receipt information
    Example of Banking Center deposit receipt information

  • Show How can I avoid having a hold placed on my deposit?

    To avoid holds, you can use:

    Direct deposit: you can avoid having a hold placed on your check by using direct deposit instead. If you have recurring income like a paycheck, pension payment or Social Security check, arrange to receive it by direct deposit.

    Person-to-Person Transfers: consider using a person-to-person transfer through Online Banking when sending money to another Bank of America customer. It's a safe and convenient alternative to writing and sending a check.

    Wire transfer: we credit your account the day we receive it. Wire transfers typically have to be set up for each transfer. In most cases, there is a fee for sending or receiving a wire transfer, but it can be worth the expense since you know the money will be there when you need it.

  • Show When are my funds available after deposit?

    The speed with which we make your deposited funds available depends on a number of factors, including how, when, and where you made your deposit. For example:

    By direct deposit: we credit your account on the day the deposit is scheduled to occur. In most cases, a direct deposit is the fastest and easiest way to get funds into your account.

    By wire transfer: we credit your account the day we receive it. Wire transfers typically have to be set up for each transfer. In most cases, there is a fee for sending or receiving a wire transfer, but it can be worth the expense since you know the money will be there when you need it.

    Cash with a teller or ATM: you can usually access it immediately at the teller or ATM. If you're not sure, ask your teller when the funds you deposited will be available.

    At an ATM (for Consumer Accounts): For check deposits, generally $200 of the deposit is available immediately, and the rest of your deposit is usually available the next business day. New accounts generally do not receive any immediate availability. For Business Accounts: check deposits are generally available the next business day.

    For more information on the circumstances under which a delay may occur, refer to the Deposit Agreement and Disclosures.

  • Show 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,WA11:59 PM Central Time
    CT,DC,DE,FL,GA,MA,MD,ME,NC,NH,NJ,NY,PA,RI,SC,TN,VA11:59 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 banking center, and transfers to your account from another Bank of America deposit account made at an ATM, at a banking 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 banking center, and transfers from your account made at an ATM, at a banking 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 CompletedIncluded in Balance
    used to Pay
    Transactions that
    Night?
    Posting Date
    Before today's Business Day Cut-offYesToday's Date
    AFTER today's Business Day Cut-off and BEFORE midnight*YesOur Next Business Day
    Midnight or after*NoOur 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.

  • Show When are funds available after deposit?

    Usually on the first business day after the day we receive your deposit. However, depending on the type and amount of your deposit, we may delay the availability of your funds. If we delay the availability of funds, we send you a notice and tell you when the funds will be available. A delay may occur under the following circumstances:

    • You deposit checks totaling more than $5,000 in one day
    • You redeposit a check that has been returned unpaid
    • We believe a check you deposit won't be paid
    • You've overdrawn your account repeatedly in the last six months
    • There is an emergency such as an equipment failure

    For more information on the circumstances under which a delay may occur, refer to the
    Deposit Agreement and Disclosures.

  • Show Do you offer cashier’s checks?

    Yes, Bank of America offers cashier’s checks. To find the exact fee for your account, please call the number on your statement, or the number for Bank of America in your local telephone directory.

  • Show Do you offer money orders?

    We offer money orders in most states. To find the exact fee for your account, please call the number on your statement, or the number for Bank of America in your local telephone directory.

  • Show What is a scheduled transfer?

    A scheduled transfer is a way of automatically moving money from your checking account to another checking or savings account each pay period.

    To set up your automatic transfers, simply sign in to Online Banking and select Transfers at the top of the page. Or, you can visit your nearest banking center, where an associate will be happy to assist you.

    Already using Online Banking service? Sign in and set up automatic transfers.

    New to Online Banking service? Enroll now.

    New to Mobile Banking? Learn more

    Or find a banking center near you.

  • Show What is the bank's holiday schedule in 2014?

    Bank of America offices and banking centers will be closed in observance of the following holidays:

    New Year's DayWednesday, January 1
    Martin Luther King Jr. DayMonday, January 20
    Presidents' DayMonday, February 17
    Memorial DayMonday, May 26
    Independence DayFriday, July 4
    Labor DayMonday, September 1
    Columbus DayMonday, October 13
    Veteran's DayTuesday, November 11
    Thanksgiving DayThursday, November 27
    Christmas DayThursday, December 25 

  • Show What is the FDIC?

    The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors against the loss of their insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

  • Show 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).

  • Show 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.

  • Show 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.

  • Show How can I determine my current level of insurance coverage?

    Calculate your insurance coverage using the FDIC’s online Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie.

  • Show Where can I get more information about FDIC insurance?

    The FDIC provides helpful information at their website, www.fdic.gov, including the "Your Insured Deposits" brochure. You may also call the FDIC at 1.877.ASK.FDIC (1.877.275.3342).