Bank of America is one of the world’s leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, inv
With online banking, consumers aren't required to visit a bank branch to complete most of their basic banking transactions. They can do all of this at their own convenience, wherever they want—at home, at work, or on the go. Online banking requires a computer or other device, an internet connection, and a bank or debit card. In order to access the service, clients need to register for their bank's online banking service. In order to register, they need to create a password. Once that's done, they can use the service to do all their banking. Banking transactions offered online vary by the institution. Most banks generally offer basic services such as transfers and bill payments. Some banks also allow customers to open up new accounts and apply for credit through online banking portals. Other functions may include ordering checks, putting stop payments on checks, or reporting a change of address. Checks can now be deposited online through a mobile app. The customer simply enters the amount before taking a photo of the front and back of the check to complete the deposit. Online banking does not permit the purchase of traveler's checks, bank drafts, certain wire transfers, or the completion of certain credit applications like mortgages. These transactions still need to take place face-to-face with a bank representative.
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Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request. International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day. As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must call us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request. You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form. Submit Online
Bank of America does not assess a service charge for receiving domestic wires or for receiving international wires in U.S. dollars. For international wire transfers received in a foreign currency, the currency exchange rate is determined by our designated intermediary bank and will impact the amount received by Discover. Our designated intermediary bank may also apply a $20 currency exchange fee. Note: If an intermediary bank not designated by us is used in the transfer process, that intermediary bank may charge you a fee for their services that could impact the total amount we receive.
You will have the option to enroll in paperless statements during the online account opening process or from the "Accounts" tab when you are logged into your account. Please note that only Primary Accountholders can enroll for paperless statements.
Money Market, Savings, and Checking statements are available monthly. CD statements are available quarterly, and IRA CD statements are available annually. You will receive an email when the statement is available. If you are enrolled in paperless statements, your paper statements for Money Market and Savings accounts will be mailed to you at the completion of each statement cycle. Statements should arrive within 5-10 business days of your statement cycle date. CD statements will be sent quarterly, and IRA CD statements will be mailed annually. Please note that Cashback Debit accountholders are automatically enrolled in paperless statements when they open their account and will not have the option to receive a paper statement or unenroll from receiving electronic statements.
The following limitations apply to online transfers initiated through Bank of America's Account Center: Incoming limit is $250,000 per 30-day rolling period for each Account Center registered owner. Outgoing limit is $250,000 per 30-day rolling period for each Account Center registered owner. The limits above are subject to a combined incoming/outgoing limit of $300,000 per 30-day rolling period for each Account Center registered owner. Note: The transfer limits noted above only apply to transfers initiated at Bank of America through the Account Center. Transactions initiated externally do not have limits from Bank of America, other than the limitation of available funds in your Account, but may be limited by the external financial institution. Additional restrictions may apply. See the Account Center (Banking) Agreement for complete details.
Yes. Each time you log in, we will authenticate you with your user ID and password and your session will time-out after a period of inactivity.
A POD Account is an account where a beneficiary has been named. Upon the death of the accountholder(s), the funds in the account will be distributed evenly to each beneficiary who survives the account holders(s) (or to his or her representatives as applicable).
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