Bank Official sources verified

Bank of America fraud reporting routes

Broad bank route with special small-business ACH form handling.

Last checkedAug 5, 2026Official website

This independent directory is not affiliated with Bank of America. Contacts below are sourced only from verified official pages.

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Account typeWhat happenedPayment or channel

Exact verified routeChecked 2026-08-05

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BofA fraud route

800-432-1000 / 877-366-1121

Official page routes ATM/debit/check/Zelle fraud to Online Banking or phone contacts.

Call official number

Source: Bank of America - Report Suspicious Activity

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7

Zelle enrollment path
This determines whether the user should report to bank/CU or Zelle support.
Required for routing
Police report number
Record the report number if a police report is filed.
Requested by official process
Officer contact information
Record the officer's name, agency, and contact number.
Requested by official process
Fraudulent check numbers
Record each check number, date, payee, and amount separately.
Recommended for claim
Your name
Collect for formal report workspace; mask if exported publicly.
Required by IC3 complaint
Your phone number
Collect in secured workspace; show user they may need it for agency report.
Required by IC3 complaint
Your email address
Collect in secured workspace; show user they may need it for agency report.
Required by IC3 complaint

Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7

Fraudulent or stolen checks
Preserve copies/images of affected checks and record check numbers, dates, payees, and amounts.
Keep original where available
Forgery affidavit
Keep a completed copy of the affidavit submitted through the branch.
Copy acceptable; retain original if provided
Police report
Preserve the report or report receipt, number, officer name, agency, and contact information.
Copy acceptable
Canceled checks
Preserve originals; store copy/reference in FraudPrep.
Keep original
Receipts
Preserve originals for payment/report records.
Keep original
Wire receipts
Preserve wire transfer receipts and confirmation numbers.
Keep original
Cryptocurrency receipts
Preserve transaction receipts, transaction IDs, wallet addresses, exchange records; FraudPrep product support must remain gated if crypto unsupported.
Keep original

Time-sensitive notesOfficially published windows or availability conditions1

BofA small-business unauthorized ACH return

Submit no later than business day following posting; by 7:00pm ET per form

Prioritize immediate route and collect line-item ACH fields.

Other official reporting routesAgencies that may apply depending on the facts11

FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.

FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.

CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.

USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.

U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.

Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.

FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.

Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.

NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.

IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.

SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.

Official sources and verificationEvery public route links back to an independently checked official source3

Bank of America - Report Suspicious ActivitySuspicious communications, account fraud, wire routing · Verified in browser Bank of America Online Banking Service AgreementACH/wire unauthorized and small-business contact routes · Verified in browser Bank of America Unauthorized ACH Return FormSmall-business ACH return fields, deadlines, return reasons · Verified in browser

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