How to Check If Bank of America's Website Is Down and What to Do

How to tell if Bank of America's website is actually down

Bank of America's website goes down for scheduled maintenance several times a year, and it also experiences outages that affect some users but not others. The first step is to confirm whether the problem is on Bank of America's end or yours. Open a different web browser on the same device — if the site loads in Chrome but not Safari, the issue is your browser, not the bank. If it fails in both, try a different device on the same internet connection. If it works on your phone's cellular data but not your home WiFi, your internet provider or router is the problem.

Once you've ruled out your own setup, check whether Bank of America has announced the outage. Visit the Bank of America Twitter account (@BankofAmerica) or search "Bank of America outage" on X (formerly Twitter) to see whether other customers are reporting the same problem and whether the bank has posted a status update. The bank also posts maintenance windows on its website — if you can access any part of the site, look for a banner at the top that says when service will be unavailable.

Third-party outage tracking sites like Downdetector and IsItDownRightNow show real-time reports from users experiencing problems. These sites map where outages are happening geographically and how long they've been going on. A spike in reports from your region in the last few minutes usually means Bank of America is aware and working on it.

Key Takeaways

• Test the Bank of America website on a different browser and device to confirm the outage is not a problem with your own setup.
• Check the Bank of America Twitter account and search for "Bank of America outage" to see whether the bank has posted a status update.
• Downdetector and IsItDownRightNow show whether other users are experiencing the same problem and how long the outage has lasted.
• Scheduled maintenance typically lasts a few hours and is announced in advance; unexpected outages are usually resolved within an hour.
• You can still access your account through the Bank of America mobile app even if the website is down.

What to do while the website is down

If the website is down but you need to check your balance, pay a bill, or transfer money, use the Bank of America mobile app instead. The app and the website run on different systems, so an outage affecting one does not always affect the other. read the app from the Apple App Store or Google Play if you don't already have it, then log in with your online banking username and password.

For urgent transactions that the app cannot handle, call Bank of America's customer service line at 1-800-432-1000. A representative can help you pay bills, transfer money between accounts, or check your balance over the phone. Have your account number and a form of identification ready. If you're calling about a fraud issue or a card that's been lost or stolen, this is often faster than waiting for the website to come back.

If you need to deposit a check, use Bank of America's mobile check deposit feature in the app. Take photos of the front and back of the check, and the app will process it without needing the website. The funds typically appear in your account within one business day.

Scheduled maintenance versus unexpected outages

Bank of America performs scheduled maintenance on its website and mobile app several times per year, usually on weekends or late at night. The bank announces these windows in advance through email, in-app notifications, and on its website. Scheduled maintenance typically lasts between two and four hours. During this time, you cannot log in, but the outage is planned and the bank knows exactly when service will return.

Unexpected outages happen without warning and can last anywhere from a few minutes to several hours. These are usually caused by technical problems, server failures, or cyberattacks. Bank of America's engineering team works to restore service as quickly as possible, and the bank posts updates on Twitter and its status page as the situation develops. Most unexpected outages are resolved within an hour.

What happens to your money during an outage

Your money is safe during a website outage. The outage affects only your ability to see your account and move money online — it does not touch the actual funds in your account. Bank of America's servers that store account data and process transactions are separate from the servers that run the website and app. An outage on the website does not mean the bank's core systems are down.

Transactions you started before the outage may still process while the website is down. If you initiated a bill payment or transfer before the site went offline, that transaction will likely go through even if you cannot log in to confirm it. Check your account once the website is back up to see what went through.

If the website stays down for more than a few hours

Outages that last longer than a few hours are rare but do happen. If Bank of America's website has been down for more than three hours and you have not seen an update from the bank, call customer service at 1-800-432-1000 to ask what's happening and when service is expected to return. The representatives on the phone line have access to internal status information that may not be public yet.

If you have a time-sensitive transaction that cannot wait, ask the customer service representative whether they can process it over the phone. Some transactions like wire transfers, large bill payments, or account changes can be handled by a representative even when the website is down, though you may be asked to verify your identity with additional security questions.

Frequently Asked Questions

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

Yes. Your debit card works independently of the website. You can swipe, insert, or tap your card at any merchant, and the transaction will process normally. The outage only affects your ability to log in online and see your account — it does not stop the bank's payment processing systems.

Will I be charged fees if I cannot pay my bill because the website is down?

No. Bank of America does not charge late fees if you miss a payment important date because of a website outage on the bank's end. If you can demonstrate that you attempted to pay during the outage, the bank will typically waive any late fees. Call customer service after the outage is resolved to report the issue and request a fee reversal if one was charged.

How do I know if Bank of America is having a cyberattack versus regular maintenance?

Scheduled maintenance is announced in advance through email and in-app notifications. If you received no warning and the site suddenly stopped working, it is likely an unexpected outage rather than planned maintenance. Check the Bank of America Twitter account — the bank usually posts about cyberattacks or major technical issues within 30 minutes of discovering them.

Can I still receive direct deposits if the website is down?

Yes. Direct deposits are processed by the bank's core payment systems, which are separate from the website. Your employer's payroll will deposit into your account on schedule even if you cannot log in to see it. The funds will be there when the website comes back up.

What if I forgot my password and the website is down?

Call Bank of America customer service at 1-800-432-1000 and a representative can help you reset your password over the phone. You will need to verify your identity with your Social Security number and other personal information. Once your password is reset, you can log in as soon as the website is back up.