Personalized. Proactive. Predictive.
See what Erica® can do.

Meet Erica, your virtual financial assistant in the Bank of America Mobile Banking app.1

Always looking out for you and your finances

Erica helps make money management easier so you can live your best financial life.

Keep your rewards.
View your rewards

Now, Erica can quickly show
all your rewards in one place.

Account balances

View balances across
all your accounts.

Spend Path

Get a weekly snapshot of your
month-to-date spending.

Locate past transactions

Refund confirmation

Be alerted when money from a
return is in your account.

Monitor recurring charges

Receive bill reminders

Duplicate charge monitor

FICO® Score Insights2

Get notified of important
credit score changes.

Erica helps make
everyday banking easier

Check out your Erica
insights catalog

See the full range of personalized, proactive insights and guidance available to you.

See more ways Erica can help

Erica helps make
everyday banking easier

Plus, Erica now supports
Merrill investments

Erica can help you access quotes, track performance, place trades* and connect you with your advisor* from the Mobile Banking app.

*Only for applicable Merrill investment accounts.

See more ways Erica can help

Erica helps make
everyday banking easier

Get account information

Erica can help you access your routing and account numbers.

See more ways Erica can help

Erica helps make
everyday banking easier

Manage your cards

Erica can help you replace lost or stolen cards, check balances and lock or unlock your debit card.3

See more ways Erica can help

Erica helps make
everyday banking easier

Manage your Zelle®

Erica can help you view your Zelle payments and cancel pending payments.

See more ways Erica can help
Erica is our 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.

Getting started with Erica is easy

Enter your U.S. mobile number and we'll text you a link to download our Mobile Banking app.

Please select a device

Get the app

Please enter a valid phone number

Enter your cell phone number


Not a Bank of America customer?
Go to to get started.

The screens depicted above are for illustrative purposes only and may not appear exactly as Erica responds in the mobile app.

1 The mobile feature, Erica, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. Message and data rates may apply.

2 The FICO® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO and “The score lenders use” are registered trademarks of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply.

3 When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply.

4 Zelle should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle to send money to those you do not know. Transfers require enrollment in the service and must be made from an eligible Bank of America consumer or business deposit account to a domestic bank account or consumer debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. We will send you an email alert with transaction details after you send money using Zelle. Dollar and frequency limits apply. See the Online Banking Service Agreement at for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Regular account fees apply.

5 You are not liable for fraudulent Online and Mobile Banking transactions when you notify the bank within 60 days of the transaction first appearing on your statement and comply with security responsibilities. See Section 5 of our Online Banking Service Agreement for full terms and conditions.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

*Only for applicable Merrill investment accounts. Please remember, there's always the potential of losing money when investing in securities.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed, or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC, and a wholly owned subsidiary of BofA Corp.

Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.

Unless otherwise noted all banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.:

  • Are Not FDIC Insured
  • Are Not Bank Guaranteed
  • May Lose Value