Frequently Asked Questions

Erica is our new virtual financial assistant and is always available to answer your questions, help you stay on top of your finances and make everyday banking easier.
Erica is available on the mobile app. To start a conversation, sign in and tap the Erica icon. You can chat with Erica by voice using your phone's microphone or on screen only with no microphone interaction. Whether you talk or type is totally up to you. To interact by voice, just tap the microphone icon in the chat window and Erica will start listening (you’ll know because the icon will pulse). To turn the microphone off, simply tap the microphone icon.
Erica can help you with things like:
  • Retrieving account balances and information
  • Paying a bill
  • Sending and receiving money
  • Helping you find what you need in the app
Erica leverages the latest technologies, in advanced analytics and cognitive messaging to serve as your trusted financial assistant. Erica is able to consider a range of data within Bank of America, like your cash flow, balances, transaction history and upcoming bills, to help you stay on top of your finances.
Yes, right now, Erica is exclusively available in the Mobile Banking app (app versions 7.6 and above). Just download the app today to get started!

Erica is also planning to be available in Online Banking.
You'll receive the same confirmations as you do today for transactions conducted in the mobile app. You can also check all transactions in the mobile app and in Online Banking.
Erica learns from the conversations with you and other Bank of America customers and has a dedicated team that’s continually working to expand the capabilities offered.
For now, Erica is only available in English, but is expected to learn Spanish.
Yes, we keep a record of your conversations with Erica for quality assurance, to maintain an accurate account of your requests, identify opportunities to make Erica's responses more helpful and ensure Erica's performance is optimal. When you speak with Erica by voice, the discussions are recorded and saved for 90 days so they can be analyzed to help refine listening skills.
No, you will need to be authenticated through the app to be able to use Erica.
Yes. Your interactions with Erica are protected by the same industry-leading privacy and security features as the mobile app and Online Banking.

Even more ways Erica can help

Account info

  • What’s my routing number?
  • What’s my available credit?
  • What’s my credit card limit?
  • When is my mortgage payment due?
  • When is my credit card payment due?
  • What’s my balance?
  • Show my account numbers
  • Did you get my credit card payment?
  • Can I overdraw my account if I have Overdraft Protection?
  • How much of my mortgage payment goes to escrow?
  • When is my money available after depositing a check?
  • How much of my mortgage payment goes to principal and interest?
  • I just got married; how do I update my accounts?
  • Open or apply for a new account
  • Can I customize my checks?
  • How much interest did I pay on my vehicle loan last year?

Find transactions

  • Did I have any grocery purchase over $100?
  • Did I have any withdrawals last month?
  • I want to see if a check has been cashed
  • Can I see all of my checking account deposits?
  • Do I have any purchases from Amazon?
  • Find December 5th purchases
  • What can I search for?

Bill Pay

  • Show me my bills
  • Do I have any past due bills?
  • Make a payment
  • Pay a bill
  • Cancel a bill payment
  • View all my bills and payments
  • Do I have any bills due soon?
  • Make a payment to a business
  • Add a new bill to pay
  • What is a Pay To account?
  • What bills will be paid today?

Sending & receiving money

  • Transfer or send money
  • Send money
  • Did someone send me money?
  • View my transfer recipients
  • Edit a transfer
  • Request money
  • Show my scheduled transfers
  • How many transfers are allowed in a month?
  • What is a scheduled transfer?
  • Add someone to send money to

Credit & debit/ATM cards

  • Activate my card
  • Unlock my debit card
  • Lock my debit card
  • Report my card lost or stolen
  • What’s my CVV code
  • I need a new card
  • What’s a virtual wallet?
  • What is SafePass?
  • Which of my cards are locked?
  • What is a chip card?

Rewards & benefits

  • Show my BankAmeriDeals
  • Redeem my credit card rewards
  • View my credit card rewards
  • How do I join the Preferred Rewards Program?
  • View my Preferred Rewards benefits
  • What is Preferred Rewards?

FICO® Credit score

  • What’s my FICO® Credit Score?
  • Did my FICO® Score change since last month?
  • What’s an average FICO® Score?
  • View my FICO® Score history
  • Learn more about FICO® Scores
  • What was my FICO® Score last month?
  • Why did my FICO® Score change?

Contact us

  • Find a Bank of America near me
  • Schedule an appointment