CLIENT INFORMATION We’re here to help

"We are focusing our resources on the number one priority - looking after people"
— Brian Moynihan, CEO of Bank of America

Bank of America will continue to devote the necessary resources to help ensure your personal safety, while maintaining the services you count on. With this in mind, we have temporarily closed some of our financial centers, which may result in longer wait times at other locations. For the most efficient experience, you can schedule an appointment ahead of time. Remember, you can enroll in online banking to manage your accounts, make loan payments, pay bills, and more at your own convenience.

As new developments emerge, we will share information with you about how we continue to operate safely and effectively and assist all our clients.

Economic Impact Payment

The U.S. Federal Government is delivering a new round of "Economic Impact Payments" to eligible Americans as part of an emergency coronavirus relief package. These direct cash payments to individuals and families are sometimes referred to as "stimulus checks."

If you’re receiving payment by check, you can deposit your check using our Mobile Banking app and get immediate confirmation that your deposit is processing. 

For help in locating more detailed information and answers to your questions, watch our Economic Impact Payment video or visit the link below.

Economic Impact Payment Info
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GO MOBILE Convenient and secure banking

Our Mobile Banking app1 is a convenient way to check account status, pay bills and deposit checks from almost anywhere. Erica®, your virtual financial assistant in the app, can help you make your everyday banking easier.2

You can also use your phone’s digital wallet to pay at stores where you see the contactless symbol. No need to touch cash or in many cases, the terminal. Plus, you can use your digital wallet to pay for purchases online and in-app at participating merchants.

See how easy it is to use our secure Mobile Banking app with our guided demos

Everyday banking

Discover our Mobile Banking app for secure banking from almost anywhere.

Pay bills

See how to easily pay bills using our Mobile Banking app.

Send and receive money

Use Zelle®3 to send and receive money with friends and family.

Mobile check deposit

See how to use our Mobile Banking app to deposit checks4 into your account.

OUR TEAMS ARE AVAILABLE TO SERVE YOU Assisting our clients

In our newest video with Holly O’Neill, Head of Consumer, Small Business & Wealth Management Client Care, hear about the additional assistance we are providing to help clients and small businesses experiencing hardships. Also hear about Bank of America’s digital and mobile resources available to you and all of our clients who may need to bank at home.

As we continue to focus on what matters to you, we want to know about your experience with us. If you would like to share any feedback or comments, please email Holly directly at holly.clientcare@bofa.com.

If you have a servicing request, please contact us as email is not a secure way to send confidential information.

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Manage your credit card

Enroll in Online Banking or Mobile Banking to get quick online access to the most frequently used credit card features and services. You can activate your card, report a lost card, change your PIN and more — all from the convenience of home.

Manage your card
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Stay connected, stay protected

To help keep your account information safe and secure, make sure your contact information is up to date and set up security and account alerts5 so we can stay in touch. Remember, if we need to reach out to you, we’ll NEVER ask for personal or financial information or an access code through email, text or unsolicited calls. Visit our Security Center or the Federal Trade Commission's Coronavirus Scam Tips for tips on how to recognize potential scams and learn more about how to keep your accounts safe.

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FINANCIAL CENTERS UPDATE Steps we're taking

Keeping our financial centers open is an important part of our fundamental role in our communities. Our top priority is to ensure the health and safety of our teammates and clients at each location. We have taken proactive steps to enhance cleaning procedures to limit the risk of exposure, based on guidelines from the Centers for Disease Control (CDC). We follow local restrictions on the number of clients that can enter at one time and you should be prepared to wear a face mask or covering to enter.

To perform enhanced, daily cleanings and best serve our clients, we temporarily modified our operating hours. Please use our Financial Center and ATM locator to check the hours and services available in your area.

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Important update to the Paycheck Protection Program

Update for sole proprietors, independent contractors, and LLCs applying for a PPP loan:

On March 3, 2021, the SBA released new guidance and application forms allowing sole proprietors, independent contractors, and LLCs that file an IRS Form 1040 Schedule C to use gross income, instead of net income, in calculating the amount of their requested PPP loan. We are working quickly to implement this guidance. Clients who file an IRS Form 1040 Schedule C should continue to apply using our existing PPP loan application, which uses net income to calculate the PPP loan amount. We will contact clients who we believe, based on the documentation submitted with their PPP loan application, may be eligible for a higher PPP loan amount using gross income, to offer them the opportunity to adjust their loan amount using gross income.

As a reminder, in order to help all eligible clients complete the application process ahead of the SBA’s announced application deadline of March 31, 2021, we will support clients as follows:

 • We will continue to accept applications for first draw or second draw PPP loans from all eligible clients until 5 p.m. Eastern on March 9. Per SBA guidance, we will hold applications from businesses with 20 or more employees and will submit such applications to the SBA after March 9.

 • Applicants must provide all of the supporting documentation that the SBA requires for their application to proceed by 5 p.m. Eastern on March 22. If an applicant has already received from us an earlier deadline to submit required documentation, all documentation must be submitted by that earlier date.

 • We will end all application processing at 5 p.m. Eastern on March 30. Clients who have applied, but have not yet received an SBA loan number by the time of the SBA’s March 31 cutoff, will be notified their application will not proceed and has been closed.

Visit our Small Business Assistance Site to learn how to access our PPP loan application.

For the latest details on PPP, including program rules and requirements, please visit the SBA website.

As a reminder, according to the rules of the program set forth by the U.S. Government:

  Businesses with 500 or fewer employees that have not previously received a PPP loan may apply for a PPP loan to help with payroll, rent, utilities, healthcare costs and more

  Businesses that have already received a PPP loan may apply for a second draw PPP loan if they have used all of their first loan (or will have by the time of disbursement of the second loan), have no more than 300 employees and can demonstrate a revenue reduction of at least 25%

Please note: Clients who previously received a PPP loan through another lender, and who wish to apply for a second draw PPP loan, should submit their second draw application to that original lender.

At Bank of America, the PPP is administered online only. All information and correspondence related to PPP will occur online and through email, including the application process, submission of required documents and follow-up correspondence.

For the latest information on our ongoing support for small businesses, please visit our Small Business Assistance Site.

Eligible clients can apply now for PPP loan forgiveness

Our PPP loan forgiveness portal is now open and includes a simplified forgiveness application for PPP loans of $150,000 or less. We will email clients with a link to access our loan forgiveness application over the coming weeks, when the application becomes available to them. For more details on how to apply, visit our PPP loan forgiveness site.

Please note:

  • We will continue to process loan forgiveness applications for clients who previously submitted completed applications with all supporting documentation. Clients who wish to withdraw and apply using the simplified application process should notify us immediately. Once we submit a client’s application to the SBA, the client may be unable to withdraw it.

  • Clients who previously withdrew their application for loan forgiveness, or whose application was canceled due to incomplete documentation, are welcome to start a new application

As a reminder:

  • You have until the maturity date of your loan to apply for forgiveness, as long as you have an outstanding balance on your PPP loan. This guidance applies regardless of the terms in your PPP Promissory Note.

  • You do not need to apply for loan forgiveness on your first PPP loan in order to be eligible for a second draw PPP loan. For details on eligibility and requirements for second draw PPP loans, please visit the SBA website.
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Managing your payments

Bank of America offers additional support to our consumer and small business clients.

If you have questions about your ability to make payments, we’re here to assist with information regarding your credit card, vehicle loan and home loan payments.

Get payment information

See how CARES Act provisions may affect IRAs and retirement plans.

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For additional resources and updates, visit the Centers for Disease Control and Prevention (CDC) or download our fact sheet.