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Easily manage and pay your bills in one place with the Bank of America® Mobile Banking app on your smartphone or tablet.1,2
Paying bills online through your bank can make life a lot easier. However, you may sometimes run into issues like your Bank of America bill payment being put on hold instead of being sent to the payee. This article covers why bill pay payments get held, how to get them released, and tips to avoid holds in the future.
Overview of Bank of America Bill Pay
Bank of America offers a bill pay feature through its online banking and mobile app that allows customers to easily pay bills from their Bank of America accounts
With bill pay, you can set up one-time or recurring payments to thousands of payees like utilities, credit cards, loans, etc. Payments can be made from checking or savings accounts.
The convenience of paying bills online 24/7 makes bill pay popular with Bank of America’s over 66 million customers However, payments sometimes get held up instead of being sent
Why Your Bank of America Payment Is On Hold
There are a few common reasons your Bank of America bill payment may go on hold
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Insufficient Funds – Your account balance is too low to cover the payment amount when the bank tries to debit it from your account. This is the most frequent cause of held payments.
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Suspected Fraud – Something about the payment seems suspicious or doesn’t match your normal payment patterns, triggering the bank’s fraud monitoring system. Large amounts, new payees, etc. can raise flags.
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Inaccurate Payee Information – If account or routing numbers entered don’t match the payee, the payment can’t be processed.
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Payee Cannot Accept Electronic Payments – Some payees can only take check or cash payments. The bank will be unable to process electronic payments.
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Bank System Errors – Technical issues during payment processing can lead to payments stalling out. It’s rare, but does occasionally happen.
How to Release a Held Bill Pay Payment
If your Bank of America online bill payment is on hold, here are steps to get it released:
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Confirm Account Balance – Check your account summary and ledger to ensure available funds to cover the stalled payment. Transfer funds if needed.
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Verify Payment Details – Double check account numbers, payee details, and payment amount entered are all 100% accurate. Edit any errors.
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Call Bank of America – Customer service can investigate held payments and take steps to release valid payments.
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Visit a Branch – Stop by a local branch and speak to a banker who can contact back office teams to address held payments.
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Resubmit the Payment – Cancel the stalled payment and carefully re-enter the details for resubmission. Avoid duplicates.
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Provide Fraud Alert Responses – If flagged for suspected fraud, respond promptly to fraud alerts from Bank of America.
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Switch to Check Payment – For payees not taking electronic payments, send a physical check instead.
Tips to Prevent Bill Pay Holds
Here are some tips to help avoid the headache of stalled online bill payments with Bank of America:
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Maintain Sufficient Account Funds – Keep enough in your account to fully cover upcoming payments identified in your bill pay schedule.
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Review Payment Details Carefully – Double and triple check account numbers, payee info, dates, and amounts before submitting each payment.
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Know Your Payees’ Payment Requirements – Verify which payees accept electronic payments to avoid issues.
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Stay On Top of Fraud Alerts – Quickly confirm legitimate payments when Bank of America contacts you about suspicious activity.
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Sign Up for Balance Alerts – Get notifications when your account balance drops below a set threshold so you can deposit funds.
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Use a Bill Pay Calendar – Tracking due dates and payment amounts in a calendar can help avoid issues.
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Check Payment Status Regularly – Log in frequently to confirm scheduled payments were actually sent and not held up.
Taking proactive steps can minimize delayed payments and ensure your important bills get paid on time every time through Bank of America’s convenient online and mobile bill pay.
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Easily manage and pay your bills in one place with the Bank of America® Mobile Banking app on your smartphone or tablet.1,2
How Bill Pay works
Follow our demo to see how to use Mobile Banking to conveniently manage and pay your bills.
Bank of America -How to Set Up Online Bill Pay
FAQ
How long does it take for bill pay to process Bank of America?
You might not see payments on your Bank of America credit card account right away, but you’ll get credit for them as of the day they’re sent as long as the payment was due before 11:59 p.m. m. Eastern. Not all payees are provisioned to accept electronic payments.
What is a bill pay hold?
A bill-and-hold is a type of sales agreement that lets you pay for an item before it is delivered.
Why is my bank payment on hold?
Checks are held by banks to make sure the person writing the check has the funds to clear the check and to stop fraud.
Why is my transaction on hold Bank of America?
Why does the bank put a hold on my deposit? The hold gives us (and the bank sending the money) time to check the check, which can help you avoid fees if a check you deposit is returned unpaid.
What is Bank of America bill pay?
Bill Pay is a service that lets you pay your bills online through Bank of America Online Banking. You can use your checking account, money market savings account, SafeBalance Banking® account, or Home Equity Line of Credit to make one-time payments, future payments, or payments that happen over and over again. Footnote What are eBills?.
How do I use bank of America’s Online bill pay?
People who want to use Bill Pay for the first time will need to sign up for Online Banking and agree to the terms and conditions of Online Banking from Bank of America. After signing up, go to Online Banking and click on the Bill Pay tab. You will also be asked to agree to the terms and conditions of using Bank of America’s online Bill Pay.
How do I schedule a bank of America bill payment?
Schedule bill payments from your Bank of America deposit account with just a few taps or clicks. You can make payments on your credit card, utility bills, and more through your Bank of America account. You’ll get confirmation right away that the payment was made. Screens simulated for illustrative purposes only. Actual experience may differ.
How do I use bank of America mobile banking?
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Pay your Bank of America bill. Use Bill Pay from Bank of America to easily set up convenient one-time or recurring payments.
When can bank of America credit card payments be paid?
You can pay your Bank of America credit card bill from any Bank of America account, whether it’s for yourself or a small business, any day of the week. When you pay a bill with a SafeBalance Banking account, the amount taken out of your balance on the day you choose is taken out of your balance.
Does Bank of America have a bill pay option?
The bill pay option in the Bank of America Mobile App helps make things easy. Terms and conditions apply. The Zelle related marks are used under license from Early Warning Services, LLC. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
