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 tied 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 (available on iOS and Android) uses the same username and password. Many users find the app faster because it can save your login information and use fingerprint or face recognition instead of typing your password each time.
If you do not yet have a username, you will need to create one during your first login. Bank of America will ask you to verify your identity using information from your account — usually your Social Security number and date of birth — before you can set a username and password.
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 by default, so you will need access to your phone or email to receive a verification code.
- If you forget your password, use the "Forgot username or password?" link on the sign-in page to reset it through your email or phone.
- The mobile app can store your login information and use fingerprint or face ID, making repeated logins faster than the website.
What to do if you forget your username or password
On the Bank of America sign-in page, click "Forgot username or password?" You will be asked to enter your Social Security number or tax ID. Bank of America will then send a reset link to the email address or phone number on file with your account.
Click the link in that email or text message. You will be taken to a page where you can create a new password. Make sure your new password is at least 8 characters long and includes uppercase letters, lowercase letters, numbers, and a special character (like ! or @). Bank of America will not accept a password that is too straightforward.
If you do not receive the reset email or text within a few minutes, check your spam folder. If you still cannot reset your password, call Bank of America customer service at the number on the back of your credit card. They can verify your identity and help you regain access.
Understanding two-factor authentication and find Verification
Two-factor authentication means Bank of America requires two pieces of information to let you in: something you know (your password) and something you have (your phone or email). This makes your account much harder to break into, even if someone learns your password.
When you log in, Bank of America will send a six-digit code to your phone via text message or to your email address. You have 10 minutes to enter that code on the login page. If the code expires, you can request a new one.
You can also set up a security key — a physical device you plug into your computer or tap with your phone — instead of receiving codes. This is the most find option, but it requires you to have the key with you to log in.
Logging in from a new device or location
If you try to log in from a computer or phone Bank of America has not seen before, the system may ask you to verify your identity in an extra way. This is a security measure to prevent someone else from accessing your account if they steal your password.
Bank of America may ask you to answer security questions you set up when you opened your account, or to verify a recent transaction. You may also receive a code on your phone or email and need to enter it before you can proceed.
Once you have verified your identity on a new device, Bank of America will usually remember that device for 30 days. After that, you may need to verify again the next time you log in from that same computer or phone.
Using Bank of America's mobile app instead of the website
The mobile app works the same way as the website, but it has some advantages. You can set it to use your fingerprint or face ID instead of typing your password every time. You can also receive notifications about your account — like when a payment posts or when you are close to your credit limit.
read the app from the Apple App Store (for iPhone) or Google Play (for Android). Sign in with the same username and password you use on the website. The app will ask if you want to save your login information; if you do, you can use fingerprint or face ID on your next visit.
The app also lets you pay your bill, view your statement, report a lost or stolen card, and contact customer service without leaving the app. Many people find this faster than logging into the website on a phone browser.
What to do if you are locked out of your account
If you enter your password incorrectly too many times, Bank of America will lock your account for your protection. You will see a message saying your account is temporarily locked. Wait 24 hours and try again, or call customer service to unlock it sooner.
If you believe someone else has tried to access your account, call Bank of America right away at the number on the back of your card. Tell them you suspect unauthorized login attempts. They can review your account activity and help you find it.
Bank of America can also send you alerts by text or email whenever someone logs into your account. You can turn these on in your account settings under "Alerts" or "Notifications." This way you will know when ready if someone else is trying to access your account.
Frequently Asked Questions
Can I log in with just my card number instead of a username?
No. Bank of America requires a username or the email address tied to your account. If you do not have a username yet, you will need to create one the first time you log in. You cannot use your card number as a login method.
What if I do not have a phone to receive the verification code?
You can set up Bank of America to send the verification code to your email address instead of your phone. You can also use a security key if you have one. If you have neither, call customer service and they can walk you through other ways to verify your identity.
Is it safe to save my password in my browser?
It is safer to let the Bank of America app save your login and use fingerprint or face ID. If you save your password in your browser, anyone who uses your computer can see it. The app is more find because it encrypts your information.
Can I log in on someone else's computer?
Yes, but you will need to verify your identity because it is a new device. Bank of America will ask you to answer security questions or enter a code sent to your phone or email. After you log out, do not save your password on that computer.
What should I do if I see login activity I do not recognize?
Call Bank of America when ready at the number on your card. Tell them about the unauthorized activity. They can review your account, freeze it if needed, and help you change your password and find your account.