How Long Does It Take for a Deposit to Clear in My Bank of America Account?

Banks have existed for a long time, but they have grown with the times. You can utilize a mobile check deposit or electronic transfer as opposed to a paper check. You'll save a check, you won't have to stand in line and you'll still have access to your transaction history and have access to your money faster. It's a win-win situation.

Dec 9, 2022

Banking is a necessary experience, and there are some banks that help by showing what banking with them is like through their policies. Bank of America is one such bank. Although its name dates back to about 1922, Bank of America began its history earlier. Customers can now bank from their phones or from the privacy of their homes. Customers are thankful that Bank of America is upfront with its deposit agreements. So, how long does it take for a deposit to clear? The answer depends on the type of deposit and how you receive it. Read on to learn more.

Mobile Check vs Paper Check

Long before mobile banking, customers had to stand in lines to deposit their checks. Nowadays, it takes up to five business days or more, not including applicable mailing time. Today, if you're a Bank of America customer and deposit a paper Bank of America check, it deposits to your account in about one business day. A paper check from a different bank might take closer to two business days.

Mobile check deposits can be far quicker. Mobile checks are often credited the same day depending on the amount of the check and your state's banking laws. You can expect the funds to be released the next business day. Bank of America will alert you if it puts a hold on your check deposit for any reason.

Electronic Transfer

If someone decides to transfer funds from his or her personal account into yours, it's within three business days if your acquaintance does business with a different bank. Transfers from one Bank of America account to another are typically credited instantly.

If you have any questions, please reach out to Bank of America's customer service agents here; they're available 7 days a week to help you out.

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How Long Does It Take for a Deposit to Clear in My Bank of America Account?

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