Where to check Bank of America's current status

Bank of America publishes real-time updates about service disruptions on their official status page at bankofamerica.com/status. This page tells you whether online banking, the mobile app, ATMs, or customer service phone lines are down or running normally. If you cannot reach that page, the problem may be widespread enough that their website itself is affected.

You can also call Bank of America's customer service line at 1-800-432-1000 to speak with someone about outages or service issues. Wait times are usually longer during widespread problems, so the status page is often faster if you can access it.

Social media accounts like @BankofAmerica on X (formerly Twitter) sometimes post about known issues before the status page updates, though these are not always the fastest source. Local news outlets occasionally report on major outages affecting multiple banks in a region.

Key Takeaways

  • Bank of America's official status page at bankofamerica.com/status shows whether specific services like online banking, the app, or ATMs are working.
  • If you cannot reach the status page itself, the outage may be affecting their entire website, in which case calling 1-800-432-1000 is your next option.
  • Service disruptions can affect only certain regions, certain features, or all customers — the status page specifies which.
  • During major outages, customer service lines experience long wait times, so checking the status page first saves time.

What different types of Bank of America problems mean

Bank of America's services can have different kinds of problems. An outage means the service is completely down for some or all customers. A degradation means the service is running but slower than normal — you might be able to log in but transfers take longer to process. A maintenance window is a planned shutdown, usually announced in advance, when Bank of America intentionally takes a service offline to update or repair it.

The status page tells you which type of problem is happening and how many customers it affects. Some outages affect only certain regions or only certain features (for example, mobile check deposit might be down while online transfers work). Others affect all customers nationwide.

If your specific problem is not mentioned on the status page — for instance, you cannot log in but the page says online banking is running normally — the issue may be with your individual account rather than a service-wide problem. In that case, calling customer service is the right next step.

Why Bank of America experiences outages

Banks experience outages for several reasons. Planned maintenance is the most common: Bank of America regularly updates software, patches security vulnerabilities, or upgrades hardware. These are usually scheduled for nights or weekends and announced beforehand on the status page.

Unexpected technical failures happen when systems fail without warning — a server crashes, a network connection breaks, or a software bug surfaces under heavy load. These are not announced in advance and are usually resolved within hours.

Cyberattacks or distributed denial-of-service attacks (DDoS attacks) can take services offline. A DDoS attack floods Bank of America's servers with fake traffic until they cannot respond to real customers. Bank of America does not always publicly confirm when an attack is happening, but the status page will show the service as down.

High-volume events like tax season, stimulus payments, or major market events can also slow services or cause temporary outages because the volume of transactions exceeds normal capacity.

What to do if you cannot access your account

First, check the status page to see whether the problem is service-wide. If the status page shows online banking is down, the outage is not on your end — wait for Bank of America to restore service.

If the status page shows services are running normally but you still cannot log in, try these steps: clear your browser's cache and cookies, try a different browser, restart your phone or computer, and make sure you are using the correct website (bankofamerica.com, not a misspelled version). Phishing sites that look like Bank of America's real site are common, so double-check the URL in your address bar.

If none of those steps work, call 1-800-432-1000 or visit a Bank of America branch in person. A representative can check whether your account has a hold, a security flag, or a password issue that is preventing login.

How long outages usually last

Planned maintenance windows typically last between 30 minutes and a few hours. Bank of America usually schedules these for late evening or early morning to minimize the number of customers affected. The status page tells you when maintenance is scheduled to begin and when it is expected to end.

Unexpected outages vary widely. Minor technical problems might resolve in minutes. Larger failures can take several hours. During major outages affecting multiple banks or the entire financial system, resolution can take a full day or longer, though this is rare.

Bank of America updates the status page as they work on the problem, so checking back every 15 to 30 minutes gives you the most current information. The page also shows how long ago the last update was posted, so you can tell whether the situation is still being actively worked on.

What happens to your money during an outage

Your money is safe during a Bank of America outage. The outage affects whether you can see your account or move your money, but it does not affect whether the money exists. Transactions you initiated before the outage may still process in the background, even if you cannot log in to confirm.

If you initiated a transfer or payment right before an outage, check your account once services are restored to see whether it went through. If you are unsure, call customer service — they can see transaction history even when the website is down.

Bank of America is required by federal law to keep your deposits safe and insured up to $250,000 per account type. An outage does not change that protection.

Frequently Asked Questions

Is Bank of America down right now?

Check bankofamerica.com/status to see the current status of each service. The page updates in real time and shows which services are working, which are degraded, and which are down. If you cannot reach that page, try calling 1-800-432-1000.

Why is my Bank of America app not working when the status page says everything is fine?

The app may be outdated — check your phone's app store to see whether an update is available. You can also try logging out, closing the app completely, and logging back in. If the problem persists, call customer service to rule out an account-specific issue like a security hold.

Can I use my Bank of America debit card at an ATM during an outage?

Usually yes. ATMs often work independently of the online banking system, so you may be able to withdraw cash even if the website or app is down. However, during very large outages that affect Bank of America's entire network, ATMs may not work either. The status page tells you whether ATMs are affected.

What should I do if I need to pay a bill and Bank of America is down?

If the outage is expected to last only a few hours, waiting is usually safe — most bills have a grace period of several days. If you are concerned about a important date, call the company you owe money to and explain the situation. Many creditors will not penalize you for a late payment caused by a bank outage. You can also pay by phone or mail if the outage lasts longer than expected.

How do I know if an outage is real or if I am being scammed?

Always check bankofamerica.com/status directly by typing the address into your browser yourself — do not click a link from an email or text message. Scammers sometimes send fake outage alerts to trick you into entering your login information on a fake website. If you receive an email or text about a Bank of America outage, ignore it and check the official status page instead.