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Online Banking and Services

FAQs

    • Is Small Business Online Banking secure?

      Yes. Bank of America is committed to making Small Business Online Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses encryption.

      To help protect your privacy while you are using the service, we will sign you out of the Online Banking service after 10 minutes of inactivity.

    • Is there anything I need to do differently when I sign in to Online or Mobile Banking?

      The first time you sign in to Online or Mobile Banking from any new computer, phone or tablet, you’ll be prompted to verify your identity and to choose a “Security Preference” for that device.

    • What security measures does Small Business Online Banking use?

      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.

    • When will the sign-in changes occur in Online and Mobile Banking?

      You’ll notice the change first in Online and later in Mobile Banking. Not all customers and clients will see these changes at the same time, but the change will be completed by the end of 2015.

       

      Clients who also use mymerrill.com, merrilledge.com or ustrust.com will receive additional communications in late summer about changes to these online and/or mobile applications.

    • How will sign-in changes impact Merrill Lynch Wealth Management®, Merrill Edge® and/or U.S. Trust® clients?

      Clients who also use mymerrill.com, merrilledge.com or ustrust.com will receive additional communications in late summer about changes to these online and/or mobile applications.

    • With the sign-in changes, are Online and Mobile Banking still secure?

      Yes, and we’re giving you more tools, located conveniently in your new Security Center to help you manage your account security. You’ll have the option to add extra security to help verify your identify with a one-time authorization code, which is sent by textfootnote1 or email each time you sign-in.footnote2 In addition, you can update security settings, set up new security alertsfootnote3 and review your sign-in history. You’ll be able to access the Security Center later this year from Profile & Settings in Online and Mobile Banking.

    • How do I know I’m on the real Bank of America site?

      Before you sign in, check your browser address bar for:

       

      1. www.bankofamerica.com
      2. Green text/shading
      3. Lock icon

       

      browser address bar

    • What security tools are available to me?

      You’ll have the option to add extra security to help verify your identify with a one-time authorization code, which is sent by textFootnote1 or email each time you sign in.Footnote2 And, with more security settings, alertsFootnote3 and sign-in history, you can more closely monitor Online and Mobile BankingFootnote4 activity. All of these tools will be conveniently located in one place in your new Security Center, which you will be able to access later this year from Profile & Settings in Online and Mobile Banking.

    • What are challenge questions and how are they used?

      They are used to help verify your identity when you sign in from an unrecognized computer or mobile device. You selected challenge questions and answers when you enrolled in Online Banking. You can change them at any time by going to Profile & Settings in Online Banking.

    • How does the one-time authorization code option work?

      With the launch of your new Security Center later this year in Online Banking, you may opt for extra security at sign-in. You’ll receive a one-time authorization code through a textfootnote1 or email each time you sign into Online Banking.footnote2 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.

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

      If an app is available for your mobile device, 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 bankofamerica.com/online-banking/mobile.go.