Where to find your deposit information
Bank of America shows you deposit details through three main routes: the mobile app, the online banking website, or by calling customer service. The fastest way is usually the app or website, where you can see deposits that have posted to your account and track ones that are still processing. If you need to speak to someone, the phone number is on the back of your card.
The information you see depends on what stage the deposit is in. A deposit that has already cleared shows in your account balance and transaction history. A deposit that is still processing appears in a separate section, usually labeled "Pending Transactions" or "Deposits in Process," and shows an expected arrival date.
Bank of America does not send automatic notifications for every deposit by default, but you can turn on deposit alerts in your settings if you want to be notified when money arrives. This is useful if you are waiting for a specific payment and want confirmation the moment it lands.
Key Takeaways
- Open the Bank of America app or website and log in to see all deposits, both posted and pending, in one place.
- Pending deposits show an expected arrival date, which is usually one to three business days from when the deposit was sent.
- You can turn on deposit alerts in your settings to receive a notification when money arrives in your account.
- If you cannot find a deposit you are expecting, check the sender's confirmation to verify the account number and routing number are correct.
Checking deposits on the mobile app
Open the Bank of America app and tap the account you want to check. Your current balance appears at the top. Scroll down to see recent transactions, which includes deposits that have posted. Deposits usually show the date they cleared and the amount.
If you are looking for a deposit that has not yet posted, tap "Pending" or look for a section labeled "Deposits in Process." This shows money that is on its way but has not cleared yet. Bank of America typically displays the expected posting date next to each pending deposit.
The app also lets you search by date or amount if you are trying to find a specific deposit. Tap the search or filter icon (usually a funnel or magnifying glass) and enter the details you remember.
Checking deposits on the website
Go to bankofamerica.com and log in with your username and password. Click on the account you want to review. Your available balance and current balance appear near the top of the page.
Under "Recent Transactions" or "Account Activity," you will see all posted deposits listed by date. Click on any deposit to see more details, such as the reference number or the source. If you need to go back further than what appears on the first screen, use the date range filter to pull up older statements.
To see deposits that are still processing, look for a "Pending Transactions" tab or link. This section shows money that has been sent to your account but has not cleared yet, along with the expected posting date.
Understanding deposit timelines
How long a deposit takes to show up depends on the type of deposit and where it is coming from. A direct deposit from an employer typically posts within one business day. A check you deposited through mobile deposit or at an ATM usually clears within one to two business days. A wire transfer from another bank can take one to three business days, depending on the sending bank and the time of day it was sent.
Bank of America marks deposits as "pending" while they are in transit. The pending status means the bank has received the deposit request but is waiting for the sending institution to confirm the funds are available. Once the sending bank confirms, the deposit changes to "posted" and the money becomes available in your account.
If a deposit shows as pending past its expected posting date, contact Bank of America customer service. There may be a hold on the account, a mismatch in account details, or an issue with the sending bank.
Setting up deposit alerts
To turn on notifications for deposits, open the Bank of America app and go to Settings. Look for "Alerts" or "Notifications." Tap "Deposit Alerts" or "Money In" and toggle it on. You can choose to be notified by text, email, or both.
On the website, log in and go to Settings, then Alerts. Select the account you want to monitor and choose "Deposits" or "Money In." Set your notification method and save. Bank of America will then send you a message each time a deposit posts to that account.
You can also set up alerts for specific amounts. For example, you might want to be notified only for deposits over a certain dollar amount. This is useful if you receive many small deposits and only want to know about the larger ones.
What to do if a deposit is missing
If you are expecting a deposit and cannot find it in your account, first check the sender's confirmation. Verify that the account number and routing number they used are correct. Bank of America's routing number varies by state and by account type, so a wrong routing number is a common reason a deposit does not arrive.
Next, check the pending transactions section. If the deposit is there, it is still processing and should arrive by the date shown. If it is not in pending and not in your transaction history, the deposit may not have been sent yet, or it may have been sent to a different account.
If you have confirmed the account details are correct and the deposit is not showing as pending, contact Bank of America customer service. Have the sender's confirmation number ready. The bank can trace the deposit and tell you where it is or whether there is a problem with the account.
Frequently Asked Questions
Why does my deposit show as pending?
A pending deposit means the bank has received the request but is waiting for the sending institution to confirm the funds are available. This usually takes one to three business days. Once the sending bank confirms, the deposit posts to your account and the money becomes available.
Can I see deposits from more than 90 days ago?
Yes. On the website, use the date range filter to pull up older transactions. The app may show fewer months by default, but you can usually scroll back or change the date range to see older deposits. If you need a full statement, read or print your monthly statement from the Statements section.
What if a deposit was sent to the wrong account?
Contact Bank of America when ready. The bank can sometimes reverse the deposit and send it to the correct account, but this depends on whether the receiving account holder has already withdrawn the funds. The sooner you report it, the better the chance of recovery.
Do I get notified automatically when a deposit arrives?
Bank of America does not send automatic notifications by default. You have to turn on deposit alerts in your settings if you want to be notified. Once enabled, you will receive a text or email each time a deposit posts to your account.
Why is my direct deposit late?
Direct deposits usually post within one business day, but delays can happen if the employer submitted it late, if a holiday falls between submission and posting, or if there is a system issue at either bank. Check with your employer to confirm they sent it. If they did, contact Bank of America to see if there is a hold or error on your account.