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Bank of America customer service

Bank of America is an international financial services and banking institution based in Charlotte, North Carolina. BofA, as it is commonly known became an important part of the wealth management service industry when it acquired Merrill Lynch in 2008. Bank of America offers almost every single avenue of support imaginable including phone, chat, email and FAQ’s.

Customer Service

Phone: 800-432-1000

  • How to reach a live person:
    • Speak, “Talk to an associate” when recording begins.

      Then, listen to the options and speak the department name you would like. If asked to speak a specific reason you are calling, just mumble. You will then be transferred to a live person.

  • Hours of Operation:
    • Mon-Fri: 7am-10pm (local time)
      Sat-Sun: 8am-5pm (local time)
  • Email:
    • This information has not been added.
      Click here to update this department.
  • Customer service link:
  • Main Company URL:
  • Description:
    • This information has not been added.
      Click here to update this department.

Phone: 877-366-1121

  • How to reach a live person:
    • This information has not been added.
      Click here to update this department.
  • Hours of Operation:
    • This information has not been added.
      Click here to update this department.
  • Email:
    • This information has not been added.
      Click here to update this department.
  • Customer service link:
    • This information has not been added.
      Click here to update this department.
  • Description:
    • This information has not been added.
      Click here to update this department.

Fraud Department

General Customer Service

Phone: 877-231-9372

  • How to reach a live person:
    • This is a direct number
  • Hours of Operation:
    • 24/7
  • Email:
    • This information has not been added.
      Click here to update this department.
  • Customer service link:
  • Description:
    • This information has not been added.
      Click here to update this department.

Phone: 800-475-2025

  • How to reach a live person:
    • This information has not been added.
      Click here to update this department.
  • Hours of Operation:
    • This information has not been added.
      Click here to update this department.
  • Email:
    • This information has not been added.
      Click here to update this department.
  • Customer service link:
    • This information has not been added.
      Click here to update this department.
  • Description:
    • This information has not been added.
      Click here to update this department.

Legal Department

Office of the CEO

Phone: 704-386-5687

  • How to reach a live person:
    • This is a direct line. The phone is answered by an advocate.
  • Hours of Operation:
    • This information has not been added.
      Click here to update this department.
  • Email:
    • This information has not been added.
      Click here to update this department.
  • Customer service link:
    • This information has not been added.
      Click here to update this department.
  • Description:
    • This number allows a person to contact a representative directly in the CEO’s office. This is especially helpful if you have exhausted your options with the regular customer service. You will reach the banking department but they can transfer you to the mortgage department if necessary.

FAQs

How can I contact Bank of America customer service?

You can reach the customer service department of Bank of America via 1-800-432-1000 to inquire about general account issues 24/7. For more specific requirements, such as mortgage, credit card, or business banking, there are specific lines on their website. They also offer chat-in-app and online messaging via your account’s portal, and making appointments at your local branch to receive assistance in person. Support for customers is also available on social media to answer general questions, but assistance for specific accounts is provided via authentic channels.

Although there is no guarantee that Bank of America’s automated phone system is accessible 24 hours a day, live agents are typically accessible Monday through Friday between 8 a.m. and 11 p.m. ET, as well as on Saturdays and Sundays from 8 a.m. to eight p.m. EDT, based on the department. The hours of the branch may differ based on the location, but most are open from 9:00 a.m. until 5:00 p.m., with certain branches offering extended hours or services on Saturdays. It is possible to use the branch locator found on their website to verify opening hours and make an appointment.

If your credit or debit card is lost or stolen, it’s important to take action quickly. It is possible to report the problem at any time by dialing 800-432-1000 or by logging into your mobile or online bank account. In the “Manage Cards” section, you’ll have the option to cancel or lock your account and request a replacement. You can also track your accounts for any suspicious activities and file a fraudulent claim should you need to. Replacement cards typically arrive within 4-7 days of purchase, and expedited delivery is available in cases of urgency.

To dispute a transaction, access your online banking account or mobile app and then go to the charge in question. Choose “Dispute this charge” and follow the instructions. You can also contact customer service if you require assistance. If you have a charge that is fraudulent or unauthorised, Bank of America may provide temporary credit as part of the investigation. It’s recommended that you act quickly- usually after sixty days of the transaction to make sure your rights are protected by federal consumer laws as well as the bank’s policies on dispute resolution.

If you’ve lost your Bank of America username or password, head to the login page and then click “Forgot ID/Password?” You’ll be asked to verify the authenticity of your bank account by entering your account number, or card information and other information that identifies you. Once verified, you can reset your login credentials. To protect yourself, Bank of America uses multi-factor authentication. You may also receive a one-time security code either via email or text message. If you require further assistance Customer service is available to assist you by calling.

Direct depositing is easy for Bank of America. You’ll need to supply your employer or benefits company along with the Bank of America account number and the bank’s routing code, which is typically 026009593; however, it can differ based on the location. The information is available on a check or within your online bank account. Bank of America also provides an automated direct deposit form that is possible to print or download through its mobile apps or website, which makes it simple to give employees in your payroll.

The checking accounts of Bank of America generally charge an annual maintenance charge, which ranges between $4.95 up to $225, based on the type of account. However, you may reduce these costs by observing certain requirements, for example, having a minimum daily balance, receiving direct deposits or being an undergraduate. Other charges could include overdraft charges, ATM fees for non-Bank of America ATMs as well as wire transfer charges. Check the terms of your account or contact customer support for advice on how to reduce or eliminate the fees.

Making an account online at Bank of America is a simple procedure. You’ll have to select the type of account- savings, checking, or a different one. You’ll need to provide personal details such as your address, name, and Social Security number, as well as a valid proof of identification. The majority of banks require at least a certain amount of deposit and can be funded by using your existing bank account or debit card, as well as wire transfers. After approval, you’ll get your debit card via mail and can begin using online and mobile banking as soon as you are approved.

The Bank of America mobile app provides a range of useful services, including mobile check deposit, real-time alerts for balance and transaction tracking, bill pay, money transfers with Zelle tools for budgeting, and secure messaging and customer support. It is also possible to temporarily block your credit or debit card, purchase an alternative, or control your credit card transactions directly through the app. The app can be used with biometric authentication, such as fingerprints and facial recognition, for additional security and accessibility.

Find the closest Bank of America branch or ATM via the “Locations” feature on their mobile or website. Simply type in your zip code or turn on the location service to see the locations that are near your location. This tool allows you to filter your results based on offerings, for example, driving-thru ATMs and notary services, financial advisors, and safe deposit boxes. Some ATMs are available all hours of the day, while the hours of operation vary by branch; therefore, it’s a good idea to verify the hours before visiting.

Zelle is a no-cost, quick, secure, and fast method to transfer or receive funds through the Bank of America mobile application or its online banking platform. Once you’re enrolled, you’ll be able to transfer money directly to a different U.S. bank account using only your mobile or email number. The majority of transfers can be completed in the span of a few minutes. It’s perfect for splitting payments, paying rent, or even reimbursing family and friends. But, Zelle is best used by those whom you trust as transactions aren’t canceled after they’ve been the transaction has been made.

Bank of America uses advanced security measures to safeguard customers ‘ accounts, such as real-time monitoring of fraud, multi-factor authentication, digital locks for cards, and encryption of sensitive information. Additionally, you will receive alerts about suspicious activities. If you suspect fraud and the bank suspects fraud, they may put an indefinite reserve on your account and may contact you to confirm the transaction. Customers are protected under the Zero Liability policy, which means that you are not held accountable for fraudulent transactions if you report them promptly.

Bank of America allows customers to book appointments online or on the mobile application. It is possible to book an appointment with a banker to discuss particular needs, such as opening a new account and applying for loans, financial planning, mortgages, or resolving issues with your account. The ability to schedule ahead reduces the time to wait and also ensures that an appropriate banker is on hand to address your particular issue, especially in busy branch locations.

Bank of America provides a range of loan options comprising home loans (mortgages or refinancing) and auto loans. They also offer personal loans along with corporate loans. Mortgage services offer affordable rates, prequalification instruments, and professional guidance. The auto loans available are for both new and used cars, usually with special discounts for customers who are already customers. Although Bank of America does not provide traditional personal loans, unsecured credit cards that offer flexible repayment options could be offered. Business owners also have access to lines of credit as well as SBA-backed loans.

If your account has been locked because of unusual behavior or a series of unsuccessful login attempts, you’ll have to prove your identity to gain access. This can be accomplished using”Forgot Password” or the “Forgot Password” option by calling customer support, or by visiting a branch in your local. In the event of suspected security or fraud, Bank of America may temporarily suspend your account to safeguard your funds. To resolve the issue, you must contact Bank of America directly, furnish the required documents, and follow up to ensure complete restoration of services.

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