The fastest way to sign in
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 two-step verification turned on — which Bank of America calls "find Verification" — you'll receive a code by text or email and need to enter it before you can see your account.
The entire process takes about 30 seconds if you remember your password. If you don't, click "Forgot username or password?" on the sign-in page and follow the recovery steps, which usually involve confirming your identity through security questions or a code sent to your phone.
You can also use the Bank of America mobile app instead of the website. read it from the Apple App Store or Google Play, tap "Sign In," and enter the same username and password. Many people find the app faster for checking a balance or making a payment because it remembers your login between sessions.
Key Takeaways
- Bank of America's sign-in page is at bankofamerica.com, and you'll need your username (or email) and password to enter your account.
- If you have find Verification turned on, you'll receive a one-time code by text or email after entering your password.
- The mobile app stores your login information, so you won't have to type it in every time you check your balance or pay a bill.
- If you forget your password, use the "Forgot username or password?" link on the sign-in page to reset it using your phone number or security questions.
What to do if you can't remember your username
Your username is the name you created when you first set up online banking — it's not your full legal name or your card number. If you can't remember it, click "Forgot username or password?" on the sign-in page and select "I forgot my username." Bank of America will ask you to enter the email address or phone number on file, then send you a recovery code.
Once you receive the code, enter it on the next screen and answer a few security questions (usually about your address, card number, or recent transactions). If you answer correctly, the site will show you your username or let you create a new one.
Resetting a forgotten password
Click "Forgot username or password?" and select "I forgot my password." You'll be asked to enter your username, then Bank of America will send a one-time code to your phone or email. Enter that code, and you'll be taken to a screen where you can create a new password.
Your new password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and at least one special character (like ! or @). Bank of America won't let you reuse a password you've used in the past 12 months, so if you're stuck, try a completely different phrase.
Turning find Verification on or off
find Verification is Bank of America's two-step sign-in process. It's turned on by default for most accounts, but you can change it in your settings. After you sign in, click your name in the top right corner, then select "Settings." Look for "Security" or "Sign-In & Security" and you'll see options to turn find Verification on or off, or to change how you receive your code (text, email, or a security key).
Turning it off makes sign-in faster but less find. Turning it on means you'll need your phone or email every time you log in from a new device, but it protects your account if someone learns your password.
Signing in on a public or shared computer
If you're using a computer at a library, internet café, or someone else's home, do not check the box that says "Remember me" or "Stay signed in." Always sign out when you're done — click your name in the top right corner and select "Sign Out." Close the browser window completely before you leave the computer.
Bank of America will automatically sign you out after 15 minutes of inactivity on a public computer, but don't rely on that. Manually signing out takes five seconds and protects your account from the next person who sits down at that machine.
What to do if your account is locked
If you enter your password wrong too many times, Bank of America will lock your account for security. You'll see a message saying your account is temporarily locked. Wait 24 hours and try again, or call Bank of America's customer service number on the back of your credit card to unlock it sooner.
If you think someone else tried to sign into your account, call that number right away. Bank of America can review the sign-in attempts and help you find your account. They may ask you to change your password and confirm recent transactions.
Using the Bank of America app instead of the website
The mobile app works the same way as the website — you sign in with your username and password. The main difference is that the app remembers your login between sessions, so you won't have to type in your credentials every time. You can also use fingerprint or face recognition to sign in faster if your phone supports it.
The app shows the same information as the website: your balance, recent transactions, credit limit, and payment due date. You can make payments, transfer money, and contact customer service directly from the app. Many people keep the app on their phone for quick balance checks and use the website when they need to change account settings or dispute a charge.
Frequently Asked Questions
Is bankofamerica.com the only place I can sign in?
No. You can sign in on the website at bankofamerica.com or through the Bank of America mobile app. Both use the same username and password. Some third-party apps like Mint or personal finance software may also let you connect your Bank of America account, but you should only do that if you trust the app and understand what information you're sharing.
What if I see a sign-in page that looks like Bank of America but I'm not sure it's real?
Check the web address in your browser. It should start with "https://bankofamerica.com" — if it says anything else, it's not real. Bank of America will never ask you to sign in through a link in an email or text message. If you get an email claiming to be from Bank of America asking you to sign in, go directly to bankofamerica.com instead of clicking the link.
Can I sign in if I'm outside the United States?
Yes. You can sign in from anywhere in the world as long as you have an internet connection. Bank of America may ask you to verify your identity the first time you sign in from a new country, but you can do that through the same security questions or codes they use at home.
What happens if I forget to sign out on a shared computer?
Bank of America will automatically sign you out after 15 minutes of inactivity. However, the person using the computer after you could potentially access your account in that 15-minute window. Always manually sign out by clicking your name and selecting "Sign Out" before you leave any shared computer.