What Do I Do If I Am Missing a Bank of America Transfer?
In a nutshell: If you sent a money transfer from your Bank of America account and the recipient did not receive it, you are probably pretty anxious to find out what happened to the money and how to get it where it needs to go. The key thing is to move fast, because the faster you figure out what went wrong, the faster you can fix it and get your money to the intended recipient.
Introduction
If you sent a money transfer from your Bank of America account and the recipient did not receive it, you are probably pretty anxious to find out what happened to the money and how to get it where it needs to go. The key thing is to move fast, because the faster you figure out what went wrong, the faster you can fix it and get your money to the intended recipient.
What You'll Need
If the problem turns out to be the fault of Bank of America, then it has one business day to return the money to your account after an error has been determined to be responsible for the problem. However, that is after the bank has determined that an error is responsible, not after you have.
Go to the Bank of America home page.
Bank of America home page
Enter your user ID and password in the fields of the log in widget on the left side of the page.
Click the "Log in" button to log in to your Bank of America account.
Go to your Account Activity page and look for the date you made the transfer.
Regular domestic transfers can take up to three business days to complete. International transfers can take up to five. If the full period hasn't elapsed yet, wait until it has. Most likely there is nothing wrong, the transfer is just taking a little longer than normal.
If the maximum transfer time has passed, look for any updates about the transfer status on your Account Activity page.
If it says the transfer has been completed but the recipient says that they never received the money then the problem is likely on their bank's end. Have them contact their bank for assistance.
If it says that the funds were returned to your account, then something did indeed go wrong with the transfer, but at least you haven't lost track of the money. Check your balance to make sure the funds were actually returned, then skip to step 7.
Look at the details of the transfer in question.
Compare the recipient's personal information, bank routing number, and account number with the personal information, bank routing number, and account number that you entered. If there is a mismatch, this is probably the source of the problem, and your money has either been sent somewhere else or is in limbo.
Call a Bank of America customer support representative and ask for help.
Bank of America customer support
Explain exactly what has happened, all of the steps you have taken so far, and what you have learned. Ask for help figuring out where the money has gone if you haven't found it, and how you can get it where it needs to go.
Conclusion
If you need to call Bank of America for help, the customer support center is open from 8:00 am to 11:00 pm EST on weekdays and from 8:00 am to 8:00 pm EST on weekends. However, because you might need to have people from other departments, such as the wire transfer department, brought in on the problem, it is best to call during normal business hours in the Eastern time zone.
Further questions?
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