Bank of America Checking Accounts

Good Bank . Close to my house. Prompt responses. Branches overseas.My wife Annappoorani Padmanabhan uses this bank for over 15 years.

Worst bank ever I had money in my account and they closed the account for no reason and I call them to give me a reason why but they don’t have any reason besides saying why do I deposit checks and they still holding my funds for over 3 months, every time I call they say under investigation.

BofA makes it way too easy for people to steal from your accounts. They have security cracks that allow scammers to order an ATM card and pin (which they can then steal from your mailbox). Then their policy is that one ATM card/pin be used to withdraw up to $5K cash per visit from multiple of your BofA accounts with no other ID. Scammers can hit multiple branches per day to steal a LOT of your money from BofA accounts. Unbelievable - but true. Then BofA takes up to 90 days to investigate before restoring your funds. And then require that you unfreeze your credit in order to open an account to replace the old compromised account(s). (Normal banks do not require any type of credit check for opening a deposit/debit account, but BofA does - perhaps to determine if they can sell you other products such as credit cards, loans, etc.). The credit union that I am now moving to requires a photo ID matching your face in order to withdraw any amount of cash, will call you to verify before withdrawing over $1K of cash and uses a deposit (not credit) account verification service for opening new checking accounts. I've been with BofA for decades but now would NOT recommend starting up anything new with them.

I inquired about a checking account and ability to overdraft in May 2023. Past few weeks I've tried to overdraft for emergency. I was livid to find out they declined a petty transaction of 85$. I called to speak to someone informed them I set my account up to overdraft. The rep stated BOA no longer allows customers to overdraft since 2/2022. I asked what's the point in signing up for overdraft protection when you don't allow customers to overdraft? Worse bank EVER closing account ASAP!!!

I have only been with Bank of America about a one month and 1/2. The experience I’ve had has not been good. I’ve had already bank fraud in the first 2 weeks of having my account.
BoA deactivated my card. I finally got my card a few days later. The second time they thought it was fraud and it was my rent going through and because BOA deactivated my card then send me a notice about it. I put I recognized the amount (my rent). Because they BoA deactivated the card my landlord ran my card 6 times and finally got one thru. BoA let all 6 debits went through that just created a mess. Final note. I will be changing banks.

Their Fraud protection-not so much! When you notify them of fraud & give them all the information it should not take 14 days to get your money back in your account! It should be IMMEDIATE! After all, they took it IMMEDIATELY! Bad Bank!!!

You have to close or block ypur account in order to make an despite, fraud whatever and at the same time in need to pay bills but my card gets block because of the despite or fraud. Not fair if you have to let the merchant get away with an transaction because you have to block your account to do so?? not happy at all!!!!

The absolute worst bank. They put a hold but then it always magically get extends to the max when the have the funds within 48 hrs. They do nothing but lie to customers. Do not use them

Omg this bank is ridiculous I received a paper check from work which really never happens.... any way. I deposited it on the 16th and they're still holding it till the 29th why so long... I don't understand why the heck it's being held for 2 weeks. This is frustrating

I broke my card and ordered a new one. It never arrived. Now I can't sign in to Online Banking because I don't have a card number. I called customer service and they have no people on the line and I just waited for hours.
So I went to their branch in person. The lady at the reception asked me what I want, and I explained my situation. Then she said "you should use online banking for customer service", like right after I explained that I'm locked because my old card was blocked. Then she said "I guess that sucks. Call us online then. We don't do customer support here" and literally just walked away. I'm not exaggerating she literally turned and walked away. I tried to catch up to her and she just turns around and walk away further. And she started smiling when she walks away, like the kind of smile you make when you dodge all your responsibilities.
I've never had customer service this bad in my life