Bank Of America Mobile Deposit
Because almost all banks and credit unions offer mobile deposit, you won’t need to visit a bank to cash a check anymore. You can simply deposit the check by taking a picture of the check. Bank of America Credit account (Credit card, charge card, loan, line of credit) 11:59 p.m. ET for same-day credit. Bank of America Mortgage: For customers who pay with their Bank of America Checking or Savings account, 5:00 p.m. ET cutoff time gives you same-day credit: Bank of America Vehicle loans.
With the convenience of mobile banking services, it’s pretty easy to deposit check by just taking a couple of photos with your phone. But it’s important to remember that you still have to be careful about what happens to that paper check; just ask the Arizona woman who is out $1,500 after using the Bank of America mobile app to deposit a check
It’s good practice to write “deposited” on any check you deposit with a mobile app, and then, once it’s been accepted by your bank, destroy it.
That’s a lesson one Bank of America customer customer learned the hard way — and lost a lot of money in the process: ABC 12 News in Arizona has the story of a woman who used the bank’s mobile app to deposit a check for $1,500.
“I read terms and agreements. I make sure I’m doing things the right way,” the Scottsdale resident told the news station.
But two months after she deposited the check, she says the bank debited $1,500 from her checking account with no explanation. She called the bank to find out what the heck was going on.
“And they said ‘We can’t tell you’,” she says. She did her own digging, and even filed a police report to uncover more information.
As it turns out, after she’d deposited the check, it was apparently stolen. Even though her mobile deposit of the check had gone through, someone — caught on grainy ATM video — was able to cash that check a second time. The scammer even added a second signature to the back.
This second cashing of the check resulted in Bank of America debiting the customer’s account for the amount of the earlier deposit.
BofA has been made aware of the situation, but seems to indicate that this is all on the customer’s shoulders.
“To help prevent checks from being negotiated more than once, customers using mobile check deposit are directed in our Mobile Check Deposit Agreement to write ‘Deposited’ on the check and destroy the original check promptly after the deposit has been acknowledged,” a spokesperson said. “As long as the ‘live’ check is still in existence, there is a chance that it could be negotiated more times.”
The bank added that it is “not at liberty to discuss the transaction information captured in ATM footage.”
The customer calls BofA’s response “disappointing,” and says she will be pulling all her accounts with the bank.
“I’ll never deposit anything mobily ever again,” said Rogers.
As with any banking document you receive, make sure you comb the fine print so you know how long you need to keep the original check, and your rights regarding disputes. And again, write a big fat DEPOSITED on it while you’re waiting for it to be accepted, and destroy it when all is said and done. Paper shredders are known to do the trick.
Editor's Note: This article originally appeared on Consumerist.
It’s time to try a faster, easier and secure way to pay.
Use your digital wallet online,
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Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Sequences shortened. Screen images simulated.
or on the go for a fast, easy, and secure way to pay. Here’s how it works...
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Get started
First, you’ll need to add your Bank of America credit or debit card to your digital wallet.
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Apple, Google Pay, Samsung Pay
Open the digital wallet app on your phone to follow the simple steps. OR, for an even easier way to add your card, open our Mobile Banking app, tap “Menu,” and select “Manage Debit/Credit Card.” Then tap “Digital Wallets.”
Choose a wallet that works for your phone, and follow the easy steps to add your card.
Now that your card is in your digital wallet, it can be used for secure payments, and can’t be used for a payment without your authentication. So, your information is protected, even if your phone is lost or stolen.
And when you make a payment using your digital wallet, your card number will NOT be shared with the seller.
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Making Payments
Now you’re ready to pay!
Use your wallet to pay on the go wherever you see the contactless symbol by holding your phone up to the symbol on the terminal.
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Shopping online or in-app
You can also use it when shopping online or within an app. Just look for the digital wallet logo at checkout!
Now you can use your phone to make secure payments, at your favorite places to shop, faster and easier than ever with your digital wallet.
Add your card today.
On screen copy:
bankofamerica.com/Ways2Pay
Disclosure:
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Sequences shortened. Screen images simulated.
Android, Google Play and Google Pay is a trademark of Google LLC.
Apple, Apple Pay, Apple Watch, the Apple logo, Face ID, iPad, iPhone, Mac and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. For a list of compatible Apple Pay devices, see support.apple.com/km207105.
Bank Of America Mobile Deposit Checks
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
This credit card program is issued and administered by Bank of America, N.A. Deposit products and services are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America, the Bank of America logo and “What would you like the power to do?” are registered trademarks of Bank of America Corporation. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with, the credit card programs.
Bank Of America Mobile Deposit Fee
Bank of America, N.A. Member FDIC. © Bank of America Corporation. 28709652