Bank of America Online Banking:Personal Banking and Mobile Banking

 Bank of America Online Banking or Mobile Banking Is Popular

F

rom the customer's perspective, online banks are banks without bricks, they exist entirely on the Internet, from which customers could have a range of online banking or mobile banking services.

Bank of America online mobile banking could turn some banks as virtual banks, which can help people to pass their money to their checking or saving accounts, only as long as they like.

Unlike traditional banking styles, online mobile banking charges customers higher yields, lower fees and more generous account thresholds. And for these reasons, online banking is much more popular than ever.

When it comes to banking online, Bank of America could provide a lot of online Banking services to its customers, like online bill payment, view your account balance, account transfers as well as some of the best security in the field of banks.

If you have created your own banking online account at Bank of America, then you are going to have these Personal banking services from Bank of America:

Bank of America Online Banking Services

•    Checking
•    Savings
•    Money market
•    Lines of credit
•    Consumer loans
•    Certificates of deposit
•    Individual Retirement Accounts (IRAs)
•    Mortgage accounts
•    Signature Advantage
•    Credit cards 

Bank of America Personal Banking Email Alert

If you have created your Bank of America online banking account and connect it with your email, then you are going to be alerted by email with your bill payments monthly.  Sometimes, people may forget their bills due to some reasons, however, with the help of the Bank of America email alert services, you are going to be notified via email when your account rises above a certain limit or falls below a limit or if you are overdrawn.  As far as I am concerned, it’s a safe and secure way to have this service.

Other Online Banking Services from the Bank of America

With the help of the Bank of America online banking services, you can access to your account freely and view your account history and transactions online.  So far as I know, your Bank of America account detail includes all credits and debits, as well as dates and amounts and running balances.

Moreover,  you can update your personal contact information and your security information, reorder checks, write checks, as well as view your checks.

Disadvantages of Bank of America Online Banking

Although we can have a lot of advantages from the Bank of America online banking services, it still has its own disadvantages:

•    Start-up may take time: In order to register for your bank's online program, you will probably have to provide ID and sign a form at a bank branch and the process is a little complicated and will cost you a long time.
   
•    The major disadvantage of online banking at Bank of America is it does not offer you online ATMs services, from which you can directly withdraw money. Without ATM machines, you can not get money indirectly, although you can still have other online banking services from Bank of America, you still have to pay your visits to a local bank or ATM machine.
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Bank of America Customer Services

Phone: 800-432-1000
Hours of Operation:
Mon-Fri: 7am-10pm (local time)
Sat-Sun: 8am-5pm (local time)