Bank of America Mobile Banking

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.8 5024803 ratings · App Store

1. 1/5Deceptive and predatory BOA practices

   I just want to pay my mortgage. Who would’ve known this was such a monumental, circuitous, dangerous, and deceptive path! But, apparently Bank of America makes this so by the business practices that they employ. I know a large mortgage will hit on the X. So on that day, I cash app transfer over the amount needed for that mortgage bill. However, BOA always seems to hold this particular cash app deposit (others are applied instantly), until my mortgage bank asks for the mortgage payment. Of course, it gets denied… With my mortgage bank request, and BOA’s denial disappearing from the account as if it never happened. Of course you won’t know that until you hit with either late fee or worse… A big hit on your credit score.. this has happened too many times for me to believe it was a flute… But it is it something done purposely by BOA. If I wanted to find out how many times this actually happened… Meaning, how many times my mortgage bank requested the payment and Bank of America denied it because of whatever reason, including insufficient funds… I will never never be able to find that my Bank of America online account or the statements that I received. It is quietly rejected and removed from the account… Almost secretly, as if it never happened… But it did happen… Very most indeed did… With repercussions… That Bank of America apparently cares nothing about insensitively nothing about it that they delete it from existence.

   Furious 30-yr loyal customer · 30 Aug 2026

2. 3/5The rewards program is messed up!

   For the last three days when I go the the rewards program to enable the latest stores, I have more than 60 stores to add. They are all or mostly the same ones I did the day before and that I can see are already enabled. But because there are so many I’m afraid I might have missed something I do it all again. This is very time consuming because it’s not easy to add a company to my list. (You need to work on that too). You hit the company then you have to hit done. Why can’t we just pick the companies and they just add to our list. I add them all cause I never know what I might be purchasing. When you add coupons at store websites you just have to hit the coupon and it adds. Surely you have someone in your employment smart enough to do it. If not, maybe I need a smarter bank!! I apparently wrote that review a while ago. But the same thing is true. I like to add all the cash backs to my accounts so that I save money. But to do that I have to do each one individually and that takes lots of time. Why can’t you automatically add them to peoples accounts or at the least, put one button at the top to add all the new ones. People could then pick and choose which ones they want or add all of them if they want. I just added 30 new ones. And it’s not easy. Most of the time after you have added a new one you have to hit it at least twice to get it to go way to add another one. Very time consuming! Please fix it!

   Rethinking my Bank choice! · 30 Aug 2026

3. 5/5Mobile Banking on BofA

   I have been a customer since 1996 since I moved to Charlotte, NC. I have been a very satisfied customer. More than satisfied! BofA has great fraud protection and always checks to make sure my transactions are legitimate if they see anything suspicious. We had a home equity loan before we paid our home off and were very happy with the interest rates and customer service. I once was scammed through Zelle and BofA refunded the entire amount that was stolen by these horrible scam professionals. They have always been there to help me with life’s financial situations and I would recommend anyone who is interested in finding a new bank. My only suggestion is they offer more ATM’s in the area I currently moved, 22 miles outside of Charlotte in Sherrills Ford. There is not one BofA ATM within 7 miles from this area which is highly disappointing because I have to use cash ATM’s that charge me a fee and BofA also charges their fee. Maybe BofA would consider not charging their loyal customers a fee since we don’t have a BofA atm locally or a Bank of America to use. I’m sure a lot of your customers would appreciate not being charged twice to get their own money! Otherwise I would give a 5 star review. I need to change it to 3 stars for this inconvenience and chargers!

   Bitsy Blackwood · 30 Aug 2026

4. 2/5Over complicated app/service

   How on earth does this app get 5 stars? This app is more complex than it needs to be. Where is the online chat service offered by other other, smaller banks via their apps? Where are the advanced contact, settings options that would truly elevate this app to 5 stars? They aren’t there. My experience with BofA has generally been poor. Poor products and poor service. Their reps are nice enough on the phone when you can actually get one after “longer than usual” or “longer than expected” wait times when I’ve called to resolve an issue that can’t be addressed via this app. There is only basic functionality here at best. Pay to/pay from accounts? I’ve never seen such a complex payment system. What a nightmare just to set up payment accounts. I have accounts with smaller, less well known banks whose apps are not this difficult to set up and use productively. Those apps may not be quite as up to date on certain, non essential features but they are far easier to understand and use in my experience. Each time I’ve called BofA to resolve an issue, I’ve experienced “longer than expected wait times”. One wait was 21 minutes long. In this day and age, with a bank this large, this is unacceptable. Period. This app needs a lot of work to become sleek, streamlined and easy to understand and use. It needs to incorporate easy to set up and understand account payment options and it needs a chat feature. Get with the 21st century BofA! I mean, you’re only one of, if not the largest bank in America. Good grief.

   AMV7m · 30 Aug 2026

5. 5/5PLEASE BRING BACK EASY SIGN-IN

   PLEASE! PLEASE! PLEASE! Bring back the ability to sign in with fingerprint! I had to upgrade my iPhone at the end of last year. I was able to sign in using my fingerprint like I did with my iPhone 5, but that soon changed. I’m assuming there was a software update for my phone because at some time in Jan 2018, I was no longer able to sign in. I had a heck of a time with it and tried getting help through customer service (phone call) AND visiting a local branch to try to figure out how to get the option to open the app with my fingerprint, again. The branch people were just as frustrated as I was and said that you all were probably aware of the problem and working on it. We’re almost 9 months later and still no fix in sight. Frustration #2: I had to come up with a new password and it has so many stipulations on what it can or cannot be that I ended up choosing one that Apple produced for me. Do you know how frustrating it is to have to recall this new, convoluted password EVERY DANG TIME I need to access my account from the app?!?!?! With all said, I like the ease of use of the app once I’m in it. But I rarely use it any more. At least I’m now able to see my balances with a tap, but it sure is perplexing why you allow that but I cannot make a deposit without having to sign in?!?!?? Bizarre....

   SEGGES1963 · 30 Aug 2026

4.6 1199472 ratings · Google Play

1. 5/5

   Had not looked or used for a long time. Upgraded app to new version and it was perfectly usable. Erica is helpful.

   Janet Jaco · 1 Aug 2026

2. 5/5

   easy to navigate the app

   Millie Colonneso · 1 Aug 2026

3. 2/5

   samsung pass recently stopped working with this app. I have different accounts with different passwords and it's annoying to memorize and type each password every time I want to log in. Please fix this.

   A Google user · 1 Aug 2026

4. 5/5

   easy to use

   Belinda Harris · 1 Aug 2026

5. 3/5

   I try to login with face recognition and it never works.

   anthony barbetta · 1 Aug 2026

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• 26.07.02 · 28 Jul 2026
• 26.08.02 · 12 Aug 2026