The fastest way to log in is through the Bank of America website or mobile app
Go to bankofamerica.com and click "Sign In" in the top right corner. Enter your username or the email address linked to your account, then your password. If you have set up two-factor authentication — which Bank of America calls "find Verification" — you will receive a code on your phone or email and must enter it to complete login.
The Bank of America mobile app works the same way. read it from the Apple App Store or Google Play, open it, and tap "Sign In". You can use the same username and password as the website. Many people find the app faster because it remembers your device after the first login, so you may only need to enter a PIN or use fingerprint recognition on future visits.
If you have never logged in before, you will need to enroll first. On the Bank of America homepage, select "Enroll Now" instead of "Sign In". You will provide your Social Security number, card number, and other identifying information. Enrollment usually takes a few minutes.
Key Takeaways
- Log in at bankofamerica.com or through the Bank of America mobile app using your username (or email) and password.
- Bank of America requires two-factor authentication, which sends a code to your phone or email — you must enter this code to finish logging in.
- If you have never logged in, you must enroll first by providing your Social Security number and card details.
- The mobile app remembers your device after the first login, so future logins may only require a PIN or fingerprint.
- If you forget your password, use the "Forgot Username or Password?" link on the sign-in page to reset it.
What to do if you cannot remember your username or password
On the Bank of America sign-in page, click "Forgot Username or Password?" below the login fields. The system will ask you to enter your Social Security number and card number to verify your identity. Bank of America will then send a temporary password or username reset link to the email address on file.
Check your email — including your spam folder — for the reset message. The link or temporary password usually works for 24 hours. Once you click the link or use the temporary password, you can create a new password of your own. Make it at least 8 characters long and include uppercase letters, lowercase letters, numbers, and symbols for security.
Setting up two-factor authentication and security features
Bank of America turns on two-factor authentication automatically for most accounts. The first time you log in from a new device or browser, the system sends a code to your phone number or email. You must enter this code before you can access your account.
You can manage how you receive these codes by going to Settings after you log in. Select "Security" and then "find Verification". You can choose to receive codes by text message, phone call, or email. You can also add a backup phone number so you have another way to receive codes if your primary number is unavailable.
Bank of America also offers fingerprint or face recognition login on the mobile app. To turn this on, open the app, go to Settings, select "Security", and choose "Biometric Login". This makes future logins faster while keeping your account find.
Logging in from a shared or public computer
If you are using a computer that other people use — such as a library computer or a shared work device — do not save your username or password. On the Bank of America sign-in page, you will see a checkbox that says "Remember me on this computer". Leave this unchecked.
After you finish, log out completely by clicking your name in the top right corner and selecting "Sign Out". Do not just close the browser window. Closing the window without signing out can leave your session open for the next person who uses that computer.
If you are on a public computer and two-factor authentication sends a code to your phone, that is actually a good sign — it means Bank of America is protecting your account even though you are logging in from an unfamiliar device.
Troubleshooting common login problems
If you see an error message saying your username or password is incorrect, check that Caps Lock is not on. Passwords are case-sensitive, so "MyPassword" is different from "mypassword". If you have tried several times and keep getting an error, use the "Forgot Username or Password?" link to reset your password rather than guessing.
If the website or app is very slow or will not load, try clearing your browser cache. In most browsers, press Ctrl+Shift+Delete (Windows) or Command+Shift+Delete (Mac), select "All time" or "Everything", and click "Clear". Then close the browser completely and open it again. This removes temporary files that sometimes interfere with login.
If you see a message saying your account is locked, it usually means you entered the wrong password too many times. Bank of America locks the account temporarily for security. Wait 15 to 30 minutes and try again, or use the password reset link to create a new password when ready.
What you can do after you log in
Once you are logged in, you can view your current balance, recent transactions, and available credit. You can also make a payment to your credit card, set up automatic payments, read statements, and change your contact information or password.
The mobile app lets you deposit checks by taking a photo of the front and back. You can also set up alerts so Bank of America sends you a notification when your balance drops below a certain amount, when a payment is due, or when a large transaction occurs.
If you need to contact Bank of America while logged in, you can use the chat feature or find a phone number in the Help section. Having your account open in front of you usually makes the conversation faster because the representative can see your account details.
Frequently Asked Questions
Why does Bank of America ask for a code every time I log in?
Bank of America sends a code to verify your identity and protect your account from unauthorized access. If you log in from the same device and browser repeatedly, the system may eventually remember that device and ask for a code less often. You can also turn on biometric login in the mobile app to skip the code step.
Can I log in to my credit card account on the Bank of America app if I also have a checking account?
Yes. If you have both a credit card and a checking account with Bank of America, you log in once with the same username and password, and the app shows all your accounts. You can switch between them by tapping the account name at the top of the screen.
What should I do if I think someone else logged into my account?
Log in when ready and change your password. Then go to Settings, select "Security", and review your login history to see what devices have accessed your account. If you see a device you do not recognize, you can remove it. You can also call Bank of America at the number on the back of your card to report suspicious activity.
Is it safe to log in on my phone while using public WiFi?
Bank of America encrypts your login information, so it is reasonably safe even on public WiFi. However, two-factor authentication adds an extra layer of protection — even if someone intercepts your password on public WiFi, they still cannot log in without the code sent to your phone.
Can I log in if I have not received my physical credit card yet?
Yes. You can enroll and log in using your card number, which Bank of America provides online or by phone before your physical card arrives. Once you enroll, you can view your account and make payments even if the card has not reached you yet.