How Do I Send an Ach Payment from My Bank of America Account?
Bank of America was one of the first financial institutions to allow ACH payments to its customers, and sending a payment can be done quickly using your online bank account access. Schedule a transfer from your deposit account to a friend, family member or business to be sent same day, next day or within 3 business days by adding the recipient's routing and account number (or invoice number) and address and scheduling a transfer from your account.
Bank of America (BofA) is one of the world's leading financial institutions, and it allows customers to send money via an ACH transfer to others, but how do you send an ACH payment from your BofA account? Below are steps for sending an ACH payment.
What You Need to Get Started
Before you initiate the ACH payment, you need the following:
- Recipient's full name
- Recipient's routing and account number along with account type (checking or savings)
- Address for the recipient (in case the ACH fails, a paper check can be sent instead)
- Your deposit account number where funds will be drafted
- The BofA routing number: 026009593
- Fees to cover next day and same day ACH transactions in addition to the transfer amount
Making the ACH Payment
Once you have gathered all the information needed, you are ready to make your ACH payment:
- Log into your Bank of America online deposit account.
- Click "Transfer/Zelle" at the top of the screen.
- Select "To/From Other Banks."
- Read and accept the service agreement to enroll in this service if this is the first time you are making an ACH transfer.
- If this is a new payment, select "Add Account/Recipient" and enter the recipient's name and address.
- Verify your identity to add the new recipient.
- Click "Domestic US."
- Choose the deposit account from which the funds will be sent.
- Add recipient information including bank routing number and account number.
- Click "Add account" and wait until the screen shows the account has been verified.
- Once the account has been successfully added, select "Make Transfer" to send funds.
- Choose which deposit account the funds will be drafted in the "From" section.
- Select the account the funds will be sent to in the "To" section.
- Choose how quickly you want the payment to be processed.
- Enter the amount of the payment.
- Designate the frequency of the payment (one-time or recurring).
- Add a description of the payment if you wish.
- Click "Continue."
- On the review screen, check the information and make sure it is accurate. Edit any information that is not correct by clicking "Don't Make Transfer."
- If all the data is correct, select "Make Transfer."
- Keep the window open until the payment has completely processed.
- Check your email for the payment processing confirmation.
- You can track the status of the transfer by clicking "Transfer Activity" in your online account.
Sending an ACH payment is convenient but can include increased costs if the payments are sent same day or next business day. For more information or assistance with an ACH payment, contact Bank of America customer support.
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