Erica®, the guide by your side, is here for you
Your virtual financial assistant, Erica,1 provides proactive insights, helps you manage your accounts, finds answers to your questions and connects you to financial specialists. Right in the Mobile Banking app.2
Need the Mobile app? Get started
Get account information
Erica can help you access your routing and account numbers, find companies that have your card information stored, and access your security meter to help you protect your accounts and much more.
Search Transactions
Locate transactions including groceries, utility payments, transportation expenses and more.
Manage your cards
Erica can help you temporarily lock or unlock your misplaced debit card, replace a lost or stolen card, check balances and more. 3
Live chat
Erica includes more ways to help, like starting a live chat with a specialist.
FICO® Score
Erica keeps you connected to your FICO® Score and notifies you about important credit score changes as they occur.4
Monitor recurring charges
View recurring charges, receive notifications when a recurring charge or membership cost increases, and more.
Track refunds
Erica helps you keep track of your refunds so you know when money from a return is available in your account.
Manage your Zelle® transactions
Erica can help you send and request money with Zelle®, view activity and more.5
Track your spending by category
View monthly spending by category (Utilities, Groceries, Transportation, Shopping and much more) to help stay on track.
Bank of America Preferred Rewards®
Erica will notify you when you're eligible for Preferred Rewards, explain the benefits and help you enroll.6
Rewards Hub
View and redeem your rewards, cash back deals and benefits all in one place.
Erica helps make Merrill investing easier
Erica can help you access quotes, track performance, place trades* and connect you with a Merrill advisor* from the Mobile Banking app.
*Only for applicable Merrill investment accounts.
Erica does not provide investment advice.
Image shown is for illustrative purposes only.
Track your spending
Review your spending across categories and get a weekly snapshot of your month-to-date spending.
Erica helps you make the most of your money
Erica helps you explore options to make the most of your money. You can also get connected to a specialist to discuss different strategies.
Bill Reminders
Erica® can remind you of all your upcoming e-bills and help easily schedule payments for you.
All in one app
See your full financial picture — view and manage your Bank of America and Merrill investment accounts in one place.
Resource Center
Security Center
Learn red flags of trending scams and how you can help to prevent fraud and identity theft.
Financial Wellness Tools
Build your financial foundation with personalized support, easy to use digital tools and solutions.
How-to Guide for Digital Banking
Explore digital features on your time, and at your pace.
Erica is a virtual financial assistant, not an actual person. Erica uses an artificial intelligence called natural language processing that’s grounded in machine learning (not generative AI or large language models) to analyze your words and understand your question.
When you ask a question, Erica uses artificial intelligence to analyze your words to understand your intent. Based on her understanding, she will select the most appropriate response from a pre-defined set of answers. This process involves leveraging natural language processing to interpret and respond to your queries effectively. It’s important to note that Erica does not use generative AI or large language models, which means responses are not based on vast datasets of external information.
Erica also offers personalized insights to help you manage cash flow and stay on top of your finances. Rest assured, your privacy and security are paramount, and all analyses are conducted with confidentiality.
Yes. Right now, Erica is exclusively available in the Mobile Banking app (app versions 7.6 and above). Just download the app today to get started!
You'll receive the same confirmations as you do today for transactions conducted in the Mobile app. You can also check all transactions in the Mobile app and in Online Banking.
Every time you chat with Erica, she gathers information about what types of responses are most helpful based on your feedback and questions. A team reviews the conversations and refines responses to make sure Erica is updated with new information and data regularly to keep up with the latest topics and answers. Your interactions help her understand and respond to a wide variety of questions more accurately.
If Erica gives an incorrect response, please send app feedback or contact a representative so that they can continue to learn and provide the best experience.
Erica's responses are based on the most likely match to the questions people ask.
When Erica doesn't recognize someone's question or doesn't have a good answer, Erica can connect you to a specialist by phone or chat.
For now, Erica is only available in English.
Conversations with Erica are recorded for quality assurance, to maintain and transcribe an accurate account of your interactions with Erica, to identify opportunities to make Erica’s responses more helpful and ensure that Erica’s responses are as accurate as possible. More frequent interactions help Erica learn and respond to a variety of questions with greater accuracy.
Bank of America uses a third-party service provider for voice responses. Voice interactions are saved for 90 days so they can be analyzed to help refine Erica’s accuracy. When Bank of America retains transcripts of Erica interactions, personal data is masked.
No. You will need to be authenticated through the Mobile app to be able to use Erica.
Yes. Your interactions with Erica are protected by the same industry-leading privacy and security features as the Mobile app and Online Banking. Our systems are designed to safeguard your information using advanced encryption and security protocols. We continually update our security measures to stay ahead of any potential threats, ensuring your data remains confidential and is handled with the highest standards of privacy and security.
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