How to Check if Bank of America Is Down Right Now

How to find out whether Bank of America's systems are working

Bank of America's website and mobile app go down for maintenance or technical problems on an irregular schedule. When they do, you cannot log in, transfer money, pay bills, or see your balance. The fastest way to know if the outage is widespread or just affecting your account is to check Bank of America's official status page or call their customer service line.

Bank of America publishes real-time updates at bankofamerica.com/status. This page shows which services are working and which are down, updated as the situation changes. If the status page itself is unreachable, the outage is likely affecting their entire system. In that case, calling 1-800-432-1000 will tell you whether the problem is on their end or yours.

Your own internet connection or device can also cause login failures that look like a Bank of America outage. Before assuming the bank is down, try logging in from a different device, clear your browser cache, or restart your router. If multiple devices on different networks cannot reach Bank of America, the outage is real.

Key Takeaways

• Bank of America's official status page at bankofamerica.com/status shows which services are currently working and which are down.
• Calling 1-800-432-1000 confirms whether an outage is affecting the entire bank or only your account or device.
• Testing login from a different device or network helps you tell the difference between a bank outage and a problem with your own connection.
• Planned maintenance windows are usually announced in advance through the Bank of America app and website, though emergency repairs happen without notice.
• If you cannot access your account during an outage, you can still visit a physical branch to withdraw cash or speak with a representative in person.

What to do if you cannot access your account

If Bank of America's systems are down and you need money urgently, a physical branch is your fastest option. Bring your ID and debit card, and a teller can withdraw cash from your account or help you with other transactions even when online systems are offline. Branch hours vary by location, so search for the nearest one on bankofamerica.com/locator before you go.

For bill payments or transfers that cannot wait, contact Bank of America by phone at 1-800-432-1000. A representative can process some transactions manually, though the speed depends on how many other customers are calling during the outage. Have your account number and ID ready.

If you use Bank of America's bill pay service and a payment is due while the system is down, contact the company you owe money to directly. Explain that you initiated the payment but the bank's outage prevented it from going through. Most creditors and utilities will note this on your account and not charge a late fee if you can show proof of your payment attempt.

How long outages typically last

Planned maintenance usually lasts between 30 minutes and 2 hours, and Bank of America typically schedules these for early morning hours or weekends to affect fewer customers. The bank announces planned maintenance in advance through the mobile app, website, and email to account holders.

Unplanned outages caused by technical problems or security issues vary widely. Some resolve in under an hour; others last several hours. Bank of America updates the status page every 15 to 30 minutes during an active outage, so checking back periodically gives you the most current information.

During major outages affecting many customers, Bank of America's phone lines become congested. If you cannot reach customer service when ready, try again in 15 to 20 minutes rather than staying on hold.

Outages affecting specific services versus the entire bank

Bank of America sometimes experiences partial outages where some services work but others do not. For example, you might be able to log in and see your balance but not transfer money, or access the website but not the mobile app. The status page breaks down which specific services are affected, so you can tell whether your particular need can be met.

If the mobile app is down but the website works, or vice versa, try the other platform. Some customers also report that older versions of the Bank of America app fail during outages while newer versions work, so updating the app from your device's app store may restore access.

Checking your account after an outage ends

Once Bank of America's systems come back online, log in and review your recent transactions. During an outage, some payments or transfers may have processed after the system recovered, or they may have failed and need to be resubmitted. Check your account balance and pending transactions to confirm everything went through as intended.

If you initiated a payment during the outage and it did not process, you will need to submit it again once systems are working. Bank of America does not automatically retry failed transactions from the outage period.

If you notice unauthorized activity or transactions you do not recognize after an outage, contact Bank of America when ready at 1-800-432-1000. Outages can occasionally expose accounts to fraud, though this is rare.

Why Bank of America experiences outages

Planned outages happen when Bank of America updates software, patches security vulnerabilities, or performs routine system maintenance. These are necessary to keep the bank's systems find and running smoothly, and they are scheduled during times when fewer customers are using online banking.

Unplanned outages result from hardware failures, software bugs, cyberattacks, or unexpected traffic surges. During major holidays or financial events, millions of customers log in simultaneously, which can overwhelm servers. Cyberattacks and data breaches also force the bank to take systems offline to investigate and find accounts.

Frequently Asked Questions

How do I know if Bank of America is down or if it is my internet?

Try logging in from a different device using a different internet connection — for example, use your phone on cellular data instead of WiFi. If you can log in that way, the problem is your home internet or device. If you still cannot log in, check bankofamerica.com/status or call 1-800-432-1000 to confirm the outage.

Can I still use my debit card if Bank of America's website is down?

Yes. Your debit card works at ATMs and stores even when the website and app are down, because those transactions use a separate network. You will not be able to see your balance or recent transactions online until systems come back up, but you can still spend money and withdraw cash.

What should I do if I see a charge I did not make during an outage?

Contact Bank of America at 1-800-432-1000 and report the unauthorized transaction. The bank will investigate and can reverse fraudulent charges. You have up to 60 days to report unauthorized debit card transactions, though reporting sooner is better.

Will Bank of America refund fees charged during an outage?

If an outage caused you to miss a payment important date and incur a late fee, contact Bank of America and explain what happened. The bank may waive the fee as a courtesy, though they are not required to. Having documentation of the outage from their status page strengthens your case.

How can I get notified when Bank of America is down?

Enable push notifications in the Bank of America mobile app — the bank sends alerts about outages and maintenance windows to users who have opted in. You can also follow Bank of America's official social media accounts, which post updates during major outages.