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Online Banking and Services

Small Business Online Banking

  • Hide What is SiteKey?

    SiteKey is an award-winning online security feature that is a standard part of your Small Business Online Banking experience. As part of our ongoing commitment to help protect you against identify theft and fraud, SiteKey helps prevent unauthorized access to your accounts while reassuring you that you're at the valid Bank of America website. SiteKey consists of 3 parts: an image, an image title and 3 challenge questions that are secrets between you and Bank of America. All 3 parts help protect you, whether you're signing in to Online Banking from your own computer or from somewhere else such as work or a public library.

  • Show Why do I need SiteKey?

    SiteKey helps to ensure your information is secure by protecting you from fraud and identity theft in 2 ways. First, it helps you recognize that you're at the valid Small Business Online Banking site at Bank of America rather than at a phony look-alike site. Second, you can ensure that we also recognize you as the true owner of your account because SiteKey helps us verify your identity with your chosen image and image description. If we don't recognize your computer, we'll ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.

  • Show How does SiteKey work?

    SiteKey is made up of 3 parts: an image, an image title and 3 challenge questions that no one else knows. When you're at your own computer, enter your Online ID and click on the Sign In button. We'll show your secret SiteKey image and image title, which verifies that you're at Bank of America’s valid Online Banking site. You know it's safe to enter your Passcode.

    When you're signing in from a different computer, we ask one of your challenge questions to verify your identity. When you answer correctly, the secret SiteKey image title and image appear. You know it's safe to enter your Passcode and sign in—and we know it's really you.

  • Show Does SiteKey use cookies?

    One of the ways we recognize you is by placing a cookie on your computer when you sign up for our SiteKey service. The cookie contains a unique randomly generated number used as an identifier. When you sign in after that, your browser sends us this cookie, which lets us know that you're using your own computer. The cookie is visible only to the Online Banking site at Bank of America and does not contain any personal information. You can also access Online Banking from any number of computers and have the same SiteKey protections.

  • Show What is a cookie?

    A cookie is a file created by an internet site to store information on your computer, such as your preferences when visiting that site. Think of a cookie as an identification card that's uniquely yours. Its job is to notify the site when you've returned. Cookies tell us how often you visit pages, which helps us find out what information interests you. In this way, we can give you more of the content you like and less of the content you don't.

  • Show Does SiteKey Use Flash objects?

    Yes. If you have Macromedia Flash installed on your computer, we will use Macromedia Flash objects to identify your computer in the event that we can't identify your cookies. By using Flash objects as a backup method for recognizing you as a valid user, we ensure that your sign-in experience is as quick and convenient as possible.

  • Show What is a Flash object?

    Macromedia Flash objects store data on your computer in much the same way that cookies do. If you have Macromedia Flash installed, Bank of America can use Flash objects to recognize your computer in the event that you erase all your cookies. That way, even if we can't identify you by your cookies, we can identify you as a valid user without having to ask you one of your SiteKey challenge questions.

  • Show How is SiteKey more secure?

    SiteKey helps you know that you are at the valid Small Business Online Banking site at Bank of America before you enter your Passcode. In addition, we know it's really you signing in because we recognize your computer or we ask you a challenge question to verify your identity.

  • Show What if someone steals my Passcode? How will SiteKey prevent them from accessing my account?

    When an unauthorized person tries to sign in from another computer, we will recognize that a different computer is being used, so we'll ask one of your challenge questions. The person won't know the answer and will not be able to sign in to your account.

  • Show Why do I need to set up challenge questions?

    Challenge questions help prevent an unauthorized person from getting access to your Small Business Online Banking information. That way, even if your Online ID and Passcode have been stolen, the person won't know the answer to the secret question. If someone signs in from a computer that we don't recognize (for example, if you sign in from a public library), we'll ask you a challenge question to verify that it's really you.

  • Show What keeps someone from stealing my SiteKey image and image title?

    After you click on the Sign In button, we only show your SiteKey image and image title automatically if you sign in from a computer we recognize as your computer. If you're at a different computer, we ask one of your challenge questions before showing the image.

  • Show When I enter my Online ID, I see a question instead of my SiteKey image. Why?

    This is to help verify that it's really you signing in. We ask a challenge question when you're signing in from a computer we don't recognize. Your correct answer confirms that it's really you.

  • Show How do I know I'm at the genuine Small Business Online Banking site?

    SiteKey will help you figure that out. Type the correct address (www.bankofamerica.com) directly into your Web browser. When you arrive at the site and enter your Online ID, click on the Sign in button and your secret SiteKey image and image title will appear. That's confirmation that you're at the bank's legitimate site. If you do not see your secret image and image title and are not asked your secret challenge question, do not enter your Passcode. This may indicate a fraudulent website. If this occurs, please report this immediately to us at abuse@bankofamerica.com

  • Show How do you know I'm signing in from my own computer?

    When you sign up for our SiteKey service, we place a secure cookie on your computer. The cookie contains a unique randomly generated number used as an identifier. When you sign in after that, your browser sends us this cookie, which lets us know that you're using your own computer. The cookie is visible only to the Small Business Online Banking site at Bank of America and does not contain any personal information. You can also access Small Business Online Banking from any number of computers and have the same SiteKey protections.

  • Show Can I access Small Business Online Banking from multiple computers?

    Yes. If you sign in from a computer that you haven't used before, you just need to answer one of your challenge questions to verify that it's really you. Once you answer the question correctly, we will ask you if you would like us to recognize that computer in the future. If you answer yes, you will not need to answer a challenge question when you use that computer.

  • Show I share my computer with someone who also uses Small Business Online Banking. Can both of us still sign in from this computer?

    Yes. You can use the same computer to sign in to your individual Small Business Online Banking accounts safely. You won't see each other's information. There's no limit to how many people can sign in to Online Banking at Bank of America from the same computer. Just remember not to share your Online ID, Passcode or answers to your challenge questions.

  • Show Can I change my SiteKey image, image title and challenge questions?

    Yes. We will never ask you to change your SiteKey information and we will never change it for you. To make the change, sign in to Small Business Online Banking and go to the Help & Support page.  Select the Security & fraud topic and then click either the Change SiteKey Image link or the Change SiteKey questions/answers link.

  • Show Is there a fee for using the SiteKey service?

    SiteKey is free. It's just one more way we're working with you to safeguard your privacy and security.