Bank of America’s Mobile Banking service incorporates the convenience you want with industry-leading safety and security features that provide peace of mind. We’ve also assembled some common-sense steps you can take to help protect yourself and the important information on your mobile device.
Our security guarantee
We're committed to making Mobile Bankingfootnote1 secure and protected. Your Mobile Banking activities are protected by our Online Banking Security Guarantee, which covers the security of your Bank of America accounts, the security of your information and the time processing of your payments.footnote2 Learn more about our Online Banking Security Guarantee
Secure access to your accounts
When using our Mobile Banking applicationsfootnote1 you're protected by these security features:
- SafePass® security is available in the Mobile Banking App, just as it is in Online Banking
- Advanced encryption technology to help prevent unauthorized access
- Privacy protection of your financial information as detailed in our U.S. Consumer Privacy Notice
By using Bank of America Text Banking, you can get quick access to balance and transaction information without exchanging personal information such as your full account number, PIN or email address.Footnote 3 Learn more about Text Banking
#1-rated safety features
The Javelin 2014 Identity Safety in Banking Award has named Bank of America Best in Class in identity-fraud protection for several consecutive years. The award is based on strong performance in the categories of fraud prevention, detection and resolution.
Our fraud prevention and security systems help protect you with the latest encryption technology and secure email communications.
Update your mobile devices
Mobile devices are essentially small computers with software that needs to be kept up to date just like on a PC or laptop. Make sure all the mobile devices in your house have the latest security protection. This may require updating your devices with a computer.
Guard your personal information
Protect your phone or tablet device just as you would your computer. Secure your mobile device by using a strong passcode and be cautious about the sites you visit and the information you release.
Use Apple Pay™
Apple Pay stores your eligible physical credit and debit cards as virtual cards. A virtual card has a different number than your physical credit and debit card, so your card number won't be accessible from your digital wallet if your mobile device is either lost or stolen. Virtual cards can be used like physical credit and debit cards to conveniently make purchases on-the-go. You still get all the rewards, benefits and protections your card provides. Learn more »
Think before you app
Update Your Mobile Device
Mobile devices are actually small computers with software that you need to update just like on a PC or laptop. Make sure all your mobile devices (including laptops, tablets, smartphones) have the latest security protection. Check the website of your devices manufacturer or mobile carrier for the latest software updates.
Protect your money
When banking and shopping on your mobile device, check to be sure the sites are secure. Look for web addresses with https: in the address. This means the site takes extra measures to help secure your information. Many sites now feature a color-coded browser. If you see a green highlighted browser, this is a safe site. However, yellow and red sites should be avoided.
When in doubt, don't respond
Fraudulent texting, calling and voicemails are on the rise. Just like in fraudulent email, requests for personal information or a call for immediate action are almost always a scam.
Follow mobile security issues in the news and discuss them with friends, family and colleagues. Explore online resources like the Identity Theft Assistance Center and Microsoft® Security At Home websites that provide comprehensive information about topics such as identity theft and safe online behavior. View additional resources
Fake Mobile Banking apps
Criminals may develop and publish fake mobile banking applications that look like official Bank of America apps but are in truth designed to steal your Online Banking credentials. Here are tips for recognizing an unofficial Bank of America app:
- The developer or author of the application is not Bank of America
- The app is being promoted on a third-party site, somewhere other than the official app store for your mobile device
- There is a charge for downloading the app—Bank of America does not currently charge for mobile app downloads
To help protect your accounts and information, never download or install a Bank of America Mobile Banking app if you spot any of these warning signs.
SMShing is phishing that happens via SMS text message. A criminal sends you a text message that tries to trick you into replying with financial or personal information or clicking on links that will sneak viruses onto your mobile device. Don’t respond to a text message that requests personal or financial information. Bank of America will never ask you to provide your information in this way.
Lost and stolen devices
Mobile phones and tablet devices offer convenience, but they're also easy to lose or steal, which can put your information at risk. Here are some ways you can protect yourself now in the event your device is lost or stolen later:
- Password-protect your device so it can’t be accessed unless the password is entered
- Enable an automatic screen-locking mechanism to lock the device when it’s not actively being used
- Consider using a remote wipe program that gives you the ability to send a command to your device that will delete any data
- Keep a record of the device’s make, model and serial number in case it’s stolen
Traditional online threats
Viruses, malware and other programs intended to steal your personal information or financial details are able to infect some mobile devices. If your tablet supports a traditional anti-virus product, consider installing that software. Backup the device's data and keep the copy in a safe and secure location. This will allow you to restore your data in the event you need to wipe the device clean in order to remove a harmful software threat.