Bank of America is one of the largest banks in the country, and it offers a wide range of financial products. Those products include credit cards, checking and savings accounts, home loans, auto loans and investment products. Bank of America also offers bank accounts and loans to businesses. According to the bank, it serves... show more
Bank of America Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/12/2026.
3.7
47,900 reviews
from WalletHub and across the web
47,900 reviews from WalletHub and across the web
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Bank of America
mathew l @Mathew_lowes
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1 Star Rating
I called the number on the back of my credit card on May 9, 2026, on or around 3:00 p.m. (PDT). Bank of America (BofA) has the worst Interactive Voice Response system (IVR). It kept going in circles and repeating the same questions I already answered. It was difficult to get an agent. Moreover, this is not a one-time isolated event; this has been a pattern and practice. I have left complaints to supervisors on innumerable occasions and they have not resolved this matter. In addition, I spoke to a male employee in the Arizona call center, as I was submitting a valid complaint about the IVR, he deliberately and willfully disconnected on me. I seek to hold Bank of America accountable. To file complaints against BofA, send your complaints to: BBB, CFPB, FTC and OAG.
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Product: Bank of America Credit Cards
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Bank of America
nanarovedo @nanarovedo
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1 Star Rating
I am trying to do my banking and it is always busy in the bank. One teller working 9 people in line and 5 people on the phone talking as if the are the only person in the room. Today I made the decision I had enough. Social Street in Woonsocket.
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Product: Bank of America Business Services
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Bank of America
Sylvia Mease @sylviam_56
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1 Star Rating
Verified Customer
Several years ago I cut up my Bank of America credit card, put it in an envelope with the balance amount and told them to cancel the account. I mailed it return receipt requested. I had the tracking number for it. They didn't credit it to the account until over a week after they received it. I never got the return receipt but I have the USPS app so saw when they got it. I took a screenshot.
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Product: Bank of America Credit Cards
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Bank of America
Mario Schinigoi @marios_4
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3 Star Rating
Verified Customer
Lot's of reward offers, easy pay ,
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Product: Bank of America Credit Cards
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0
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Bank of America
Almacila Lawfer @almacilalawfer
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1 Star Rating
We spoke to customer service who promised to waive interest charges, that we believe we should not have to pay. They agreed to cancel all the charges, but we were notified by email the next day when we tried to dispute the transaction that they declined it. They set expectations when we spoke to them on the phone and they shouldn’t lie to their customers. When we called them back, I spoke to a supervisor who agreed with us that this was an issue. He said they don’t allow him to make any adjustments, even when the bank is at fault. Bank of America’s policy is to NOT to refund any interest payments. This bank has no ethics or integrity and does not value customer service at all. CLOSING MY ACCOUNT WITH THIS BANK. Never again dealing with this rip-off bank!
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Product: Bank of America Credit Cards
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Bank of America
lsl04 @lsl04
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1 Star Rating
They approved me for a credit card, and before I could even activate it, I got a letter saying there was suspicious activity on the account nobody has ever used. Naturally, it won't activate by any means now, and every time I call, I'm on hold for eternity, so I've just given up! Then they sent a letter saying I filed an identity theft claim. Not true! Who does this? They're insane!
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Product: Bank of America Credit Cards
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Bank of America
Rusty King @rustyk_3
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1 Star Rating
Verified Customer
Had over a $9000 credit limit. Owed $2400 paid it off and they dropped my credit limit to $2400. Why?
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Product: Bank of America Credit Cards
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Bank of America
bickertn9 @bickertn9
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3 Star Rating
ALERT: BOA is changing it's DEPOSIT AGREEMENTS to include ARBITRAION and, potentially, ELIMINATE virtually all access to the courts personally or through a class action suit. Unless you keep reading what looks like pages of typical "boiler plate" paragraphs, you will NOT SEE that you can OPT OUT WITHOUT PENALTY. This is unusual because we have become used to "take it or leave it." I strongly urge BOA customers to read and understand this option; you MUST respond or it will automatically go into effect. Let other BOA customers know too.
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Product: Bank of America Savings
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Bank of America
Allen Scarborough @rs8004
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1 Star Rating
Bank of America decided to close both of my accounts due to their concerns I may embarrass them while utilizing my Checking and Savings accounts due to trading in Bitcoin. I tried to get information from a manager and was rudely treated by a manager who I had asked to speak too to find out why they closed my accounts. The manager would not provide me any information and told me to research the problem on my own. He then hung up on me before I could complete my sentence. If this is the way this bank wants to treat their customers. they can bite me.
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Product: Bank of America Checking
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Sylvia Mease @sylviam_56
That's Bank of America for you.
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Bank of America
leegerbi @leegerbi
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1 Star Rating
⭐ 1 Star
I have been a customer of Bank of America for over 30 years, and this was by far the worst customer service experience I have ever had. It took an entire week just to add a person to the account, and then only another 10 minutes to process a wire transfer.
On my first visit to complete a wire transfer from our business account, I found out that even though I originally opened the account with our LLC documentation, I was never actually added to the account. I was told I needed corporate documents and minutes, and that both account holders had to be present at the same time. I went home and spent significant time preparing all of the requested paperwork.
I returned the next day, waited 1 hour and 40 minutes, and asked if they could at least begin the process so my wife could come in later during a break to sign. They refused. I then visited another branch and was told the same thing.
The following day, I returned to the bank again with all the paperwork and explained that my wife would be coming in shortly to complete the process. When she arrived, we were told it would take at least 40 minutes to complete the paperwork and that we would have to wait. After waiting an hour just to see a customer service representative, my wife no longer had another 40 minutes available, so we asked them to at least process the wire transfer, which they then completed incorrectly.
The next morning, I arrived early and was told they had no time and would not even begin the process unless both my wife and I were present from the start.
When I told the branch manager I was considering moving my business elsewhere, the response was essentially, “we can prepare a cashier’s check so you can take your money out.” That was shockingly dismissive for a loyal customer of more than 30 years. I have seen this same comment mentioned in other reviews, which only reinforces the impression that Bank of America does not care about retaining long-term customers.
Ironically, when we finally returned again together at noon and waited about 30 minutes, the entire process took only about 20 minutes, and none of the paperwork they originally told me to prepare was even required.
Very disappointed by the lack of professionalism, poor communication, and complete disregard for customer time.
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Product: Bank of America Business Services
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Bank of America
sue012012 @sue012012
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1 Star Rating
False marketing with credit card offers. After I signed up, I realized what they promised was not true. Do not choose this bank.
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Product: Bank of America Credit Cards
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Bank of America
stephen oates @info_myhappyfurryfriends
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1 Star Rating
Verified Customer
rates too high
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Product: Bank of America Credit Cards
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0
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Bank of America
William @whuser16449284
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2 Star Rating
Verified Customer
This is a weak card. I got it before they started giving 6% cash back my card is stuck still giving me 3% on category which gives me more than enough reason to unload this card. I have a whole stack of cash back credit cards that beat everything BofA Customized offers.
The only redeeming factor is the 3% cash back for online shopping. Its s toss up if you will actually get your 3% because BofA only considers their hosts and advertising partners for online shopping 3% rewards, not every vendor that’s out there offering online shopping.
Guns and Ammo afficinados please note the 5723 MCC if such things matter to you. I don’t have a problem with this since none of my purchases would fall under that Code.
The reason i got this card was to put a $2000 attorneys fee on. By doing so I got my $200 Bonus plus $20 cash back which effectively gave me a $220 discount on the attorneys fee. This is the sole noteworthy thing this card has done for me.
The Shopping Offers give less than what my Capitalone, Citi, US Bank, and Wells F gives for Merchant Offers. My Visa Signature level cards and my MC World Elite Status cards are my go-to for perks, Ive never checked out any BofA perks.
I reported my card as lost or stolen last month and Im still waiting long past the 7-10 business days claim they all use. Im not missing out on using this supposedly lost or stolen card however.
Its actually churn and burn time for this card. I chose the USB Cash+ card as its stand in. I will make my termination close out phone call tomorrow.
Im not saying this is a bad card or anything. They fit well in some people’s wallet but make a weak addition to a cash back fanatics overall game plan. They give healthy spending limits starting out.
B of A is the worst. Got busy and was not able to review my account on-line. Was notified by my protection plan of 30 date late payment. Recall setting up the account with auto pay. Reviewed my account on line and information was incorrect. However, my phone number and email was listed correctly and never received any statements. Paid the balance in full after (2) attempts. Cancelling the credit, don't need the aggravation as a (77) year old senior.
Bank of America gets 1 star only because 0 stars isn’t an option.
We chose BofA for our mortgage because they told us we were preapproved, sent preapproval letters for whatever amount we asked for, and promised to match the best rate from another lender. At first, they were responsive and easy to work with.
Once we went under contract, everything changed. We found out they had only pulled our credit and had never actually verified our income or debts. They then backed out of their rate-match promise, kept changing the terms, and repeatedly asked for the same documents. They even coded our investment accounts as debts, which created confusion and caused delays.
Communication was awful. Getting anyone to respond was nearly impossible.
In the end, we were denied, had to cancel our home purchase, and had to fight to get our escrow money back. This was an incredibly frustrating and disappointing experience. I would not recommend Bank of America for a mortgage.
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Product: Bank of America Mortgages
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Review Bank of America
WalletHub Awards
Bank of America has won the following WalletHub Awards:
Get answers to your questions about Bank of America below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
The routing number for Bank of America wire transfers is 026009593. For other transaction types like ACH transfers, checks, or online banking, there are different routing numbers. To find the specific routing number for your account, you can try the following:
Online Banking or Mobile App: Look for your routing number on your online banking dashboard or mobile app.
Phone: Dial (800) 432-1000 to reach Bank of America's customer service team. They can provide assistance and information regarding your routing number.
If you're unsure, it's always best to contact Bank of America directly to get the most accurate routing number for your account.
The Bank of America CD has an APY of 0.01%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
You can make a Bank of America credit card payment online, by phone, through the Bank of America mobile app, by mail or at a branch. To pay a Bank of America credit card bill online, log in to your online account and click on "Bill Pay." Then, choose how much to pay, when to pay it, and where the payment is coming from. Bank of America does allow cardholders to set up automatic payments, too.
The Bank of America Advantage Savings Account offers a base Annual Percentage Yield (APY) of 0.01% for any balance. However, participants in the Preferred Rewards program have the opportunity to earn enhanced APYs determined by their tier level and account balance.
Keep in mind that the account requires a minimum opening deposit of $100 and incurs an $8 monthly fee, which can be waived by either maintaining a balance of $500, linking your Bank of America Advantage Savings Account to your Bank of America Business Advantage Relationship Banking, being a...
Yes, Bank of America does have fees associated with its checking accounts. The specific fees and their amounts can vary depending on the type of checking account you have and your account activity. Here are some common fees you might encounter:
Monthly maintenance fee: This fee is charged monthly unless you meet certain criteria to waive it, such as maintaining a minimum balance or having a qualifying direct deposit.
Bank of America's customer service hours are 24 hours a day, 7 days a week for credit card inquiries over the phone. Checking and savings account customers can speak to a Bank of America representative from 8 a.m. to 11 p.m. Monday through Friday, or 8 a.m. to 8 p.m. Saturday and Sunday.
Bank of America representatives are also available to answer questions on Facebook, Instagram and Twitter/X. You can chat with them live...
You can open a Bank of America account online by going to their website. Find the account you want to open and click on Open your account now. To apply, you'll need your date of birth, social security number, phone number, email address and a physical US address. You may also be asked for a form of identification.
You can log in to your Free Spirit Airlines Credit Card account by going to the login page on the Bank of America website or mobile app and entering your username and password in the appropriate fields. Then, click the “Log In” to access your online account.
How to Register for Online Access on your Free Spirit Airlines Credit Card Account
Register your Free Spirit Airlines Credit Card for online account access. Click “Enroll” and enter the last 6 digits of your card or your account...
The Bank of America overdraft fee is $10 per transaction that overdraws your account, if you have a Bank of America checking account that allows overdrafts. Some Bank of America accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined.
Key Things to Know About Bank of America Overdraft Fees
Not all accounts are eligible for overdraft services. While most of Bank...
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