How long does bank of america mobile check deposit take

Bank conveniently and securely with the Bank of America® Mobile Banking app for U.S.-based accounts.

Table of Contents Show

What’s New
Ratings and Reviews
New ‘Bill Pay’ is Horrible
not the best app i’ve seen
Inconsistent on mobile check deposit.
App Privacy
Data Linked to You
Data Not Linked to You
Information
More By This Developer
You Might Also Like
Is Bank of America Mobile check deposit instant?
How long does it take for a check to deposit in Bank of America?
How long does it take for mobile check deposit to hit?

Manage Accounts
• View account balances and review activity
• Activate or replace credit/debit cards
• Set alerts for important account info

Transfer Money and Pay Bills
• Securely send and receive money with Zelle® using a U.S. mobile number or email address¹
• Transfer funds between your Bank of America and linked Merrill accounts
• Pay bills

Check Deposit
• Take photos of checks to deposit them
• Get immediate confirmation that your check is processing²

Erica, Your Virtual Financial Assistant³
• Ask Erica to find transactions, pay bills and more
• Get valuable alerts, and helpful insights

Security
• Set up Touch ID® / Face ID®
• If fraudulent activity is suspected on your card, we’ll notify you
• View security center
• With our Mobile Banking Security Guarantee, you’re not liable for fraudulent transactions when reported promptly⁴

Manage Investments with Merrill
• Trade stocks, ETFs, mutual funds
• View up-to-date Market data, news, and quotes
• Send messages and documents securely to your advisor

See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for more information. Mobile carrier message and data rates may apply.

¹ Zelle transfers require enrollment and must be made from a Bank of America consumer checking or savings account to a domestic bank account or debit card. Recipients have 14 days to register to receive money or the transfer will be canceled. Dollar and frequency limits apply.
² Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply.
³ Erica only listens or speaks when you tap the microphone and retains interactions to optimize your experience. Erica speaks aloud and hears and responds to all voices. Erica is only available in English.
⁴ You’re not liable for fraudulent Mobile Banking transactions when you notify the bank within 60 days of the transaction first appearing on your statement and comply with security responsibilities.

Investing involves risk. There is always the potential of losing money when you invest in securities.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp"). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. ("MLLA"), a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly-owned subsidiaries of Bank of America Corporation.

Investment products:
• Are Not FDIC Insurance
• Are Not Bank Guaranteed
• May Lose Value

All features may not be available in iPad and may only be available for certain account types.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

iPhone, iPad, Touch ID and Face ID are registered trademarks of Apple®, Inc.

Bank of America related trademarks are trademarks of Bank of America Corporation
Bank of America, N.A. Member FDIC

What’s New

Oct 26, 2022

Version 22.10

New in this release:

• Credit card clients can request credit line increases directly from Account details
• Added Zelle® enhancements to help clients verify they’re sending money to the right person

Ratings and Reviews

4.8 out of 5

3.9M Ratings

New ‘Bill Pay’ is Horrible

The new Bill Pay section is poorly designed trash that has ruined the app experience. Not only is it ugly, it does a poor job of visually integrating with the rest of the app. Clunky and unintuitive, to now make an online payment you must sift through multiple screens, making multiple clicks—all of which is very confusing to the consumer. You now also have to manually assign a “pay by” date to complete the process which is terribly annoying. (The default should be set similar to the pre-updated version that automatically sets the earliest possible date for you. But, still allow a user to manually set their own “pay by” date if needed.) Overall, the former Bill Pay was MUCH easier to utilize and MUCH nicer to look at.
To add to the problems, we no longer have the ability to delete old “Pay To” accounts from within the app the way we could previously. Another oversight.
BOA has definitely taken steps backwards with this update. If I had to guess, budget cuts forced BOA to begin implementing new app updates via internal junior-level design team, rather than outsourcing to a professional UI/UX firm. As a result, this update has a “beta” feel displaying poor form, function and usability. Really embarrassing for a big bank.

not the best app i’ve seen

It functions okay. Has all the features most bank apps use. Online check deposits, zelle, switching between accounts. However it does lack fluidity compared to other apps i’ve used such as chase and amex. Switching between business and personal accounts for example is extremely buggy. Unlike chase you get two tabs one says Personal and the other Business. Also check deposits can be annoying if you have multiple checks. You manually have to click deposit, take photos of front and back, enter amount, submit and then repeat the process per check. A feature that should be integrated- deposit multiple checks without having to restart the process for every individual check. Have some sort of group deposit mechanism. Also a feature to manually type in the account number or routing number if it’s illegible would be great! Some signatures get in the way and the built in camera app has trouble reading required info. Also an estimated, current balance, ledger balance in app would be better than logging onto a desktop website to see what you have. I don’t want to rant so to sum it up, this app doesn’t have the smaller quality of life features I’d like to see from such a major bank. I only wrote this because i’m hoping a dev would read and take this into consideration and not to bash BOA they’ll always be great. I just expect a little more focus to detail.

Inconsistent on mobile check deposit.

The app has been amazing for the past couple of years. Unfortunately just recently I’ve noticed when I’ve tried depositing checks. It’s constantly alerting me that the check, I’m mobile depositing, the amount for the issued check is inconsistent to amount I’ve put in. At first I thought “ my customer does have messy hand writing” so I let go. Obviously the sent a red flag to BOA and is holding my check for 5 days. Mind you my account isn’t new for this to be happening. Naturally, I deposited another check thru the mobile app and it’s happening on EVERY check. It’s getting very irritating. I’m supposed to deposit 10 more checks for my small business but on every single one, it’s giving my an inconsistent amount compared to what the app “analyzed”. On every single one I’ve adjusted the amount manually and because of the app, it’s stating for all my checks to be deposited within 5 days because BOA needs to Validate the amount. How is it that for past couple of years this hasn’t happened since I opened my business account. Now all of sudden the app stops recognizing the amount on checks and I have to wait for the checks to be validated. Mind you these checks are for business funds and the business can’t operate without funds. I might be over-reacting but other than that, The app is great. ( no sarcasm intended).

Hello, we apologize for the troubles you've had with making a deposit. We continually work to enhance the mobile check deposit functionality in the app, so please watch for future updates. Regards, Ashlyn

App Privacy

The developer, Bank of America, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

Location
User Content
Identifiers
Usage Data
Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

User Content
Search History

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller

Bank of America

Size

444.8 MB

Supports

Wallet
Get all of your passes, tickets, cards, and more in one place.
Siri
Get things done within this app using just your voice.

More By This Developer

Is Bank of America Mobile check deposit instant?

Mobile Check Deposit Funds deposited before 9:00 p.m. ET on a business day will generally be available the next business day. Funds deposited before 8:00 p.m. PT on a business day will generally be available the next business day.

How long does it take for a check to deposit in Bank of America?

How long will the hold on my deposited check be in place? Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday (the first business day), so the hold will go into effect the next business day (Tuesday).

How long does it take for mobile check deposit to hit?

In some cases, a mobile check deposit can be available within just a few minutes of uploading the check into the mobile banking app. However, it usually takes around one business day for deposits to go through.