Skip to main content

Online and Mobile Banking FAQs

View questions about:

Go and view FAQ information.
What measures does Bank of America take to keep Online Banking secure?

Online Banking uses industry-standard protocols that leverage encryption for transferring data. Encryption creates a secure environment for the information being transferred between your browser and Bank of America.

These security protocols protect data in 3 key ways:

Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Bank of America.

Encryption scrambles transferred data to prevent eavesdropping of sensitive information and to ensure that only the server you're sending the information to can read it.

Data integrity verifies that the information sent by you to Bank of America wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

How do I know I'm on the real Bank of America site and not on a site that's impersonating Bank of America?

To help ensure you're on the real Bank of America website before you sign in, check your browser address bar for specific signs that indicate you’re using a secure connection to our website:

browser address bar with lock
Do you provide any online security tools I can use to help protect my information?

Yes. You have the option to add extra security to help verify your identify with a one-time authorization code, which is sent by text or email each time you sign in. And, with more security settings, new optional security alerts and sign-in history, you can more closely monitor Online and Mobile Banking activity on your accounts. You can even download free fraud-protection software and use your fingerprint and your saved Bank of America Online ID to sign in to the Mobile Banking appFootnote4 (the app uses the fingerprint already stored on your device).

Most of these tools are conveniently located in one place in your Security Center, which you can access from the Profile & Settings menu in Online and Mobile Banking. Learn more about Security Center

How does the one-time authorization code option work?

After you opt for extra security at sign-in (you can do so from your Security Center in Online Banking), you'll receive a one-time authorization code through a text or email each time you sign into Online Banking. The code can only be used once and will expire within 10 minutes after it is sent. Your ability to receive and enter the code helps verify your identity. Learn more about Security Center

How do I know I'm using the real Bank of America Mobile Banking app?

Make sure you download the official Bank of America Mobile Banking app from a reputable app store such as Google Play or the iTunes App Store or from our Mobile Banking page.