Bank of America is one of the largest banks in the United States, serving individual consumers, small businesses, corporations, and governments. Like any large financial institution, Bank of America uses a system of error codes to communicate issues to customers when using online banking, ATMs, or over the phone.
One common error code Bank of America customers may encounter is 03108. This article will explain what error code 03108 means, potential causes for it, and steps you can take to resolve the issue if you see it.
What Does Bank of America Error Code 03108 Mean?
Error code 03108 is quite simple – it means that the system cannot locate your account. When you attempt to access your Bank of America account, whether online, at an ATM, or through a banker, the system is not recognizing your account number, debit card number, username, or other identifying information.
Potential Causes of Error Code 03108
There are a few potential reasons you may be getting a 03108 error message:
- Incorrect account number entered – If you’re attempting to access your account online or at an ATM, double check that you’re using the correct account number. It’s easy to accidentally transpose numbers or enter an old account.
- Recently opened account – If you just opened a Bank of America account, it can take 24-48 hours for the new account to fully activate in the system. Trying to access it too soon may result in the 03108 error.
- Recently changed account – If you just changed your account in some way, such as getting a new debit card number or username, the system may not have fully updated yet.
- Merged accounts – If Bank of America recently merged your account with another, such as after a marriage, it can cause temporary access issues and the 03108 code.
- Closed account – Are you trying to access an old account that has been closed? That will trigger the error for sure. Double check it is still open.
- Entered wrong card number – Trying to access your account with the wrong debit card number will get you the 03108 error every time.
- Exceeded number of login attempts – For security, Bank of America will lock you out after a number of failed login attempts, whether you’re using online banking or an ATM. This triggers the 03108 code.
- Website issues – Sometimes the Bank of America website or app may have a temporary glitch that prevents account access. The 03108 error appearing here indicates a site problem rather than your specific account.
- ATM issues – Similar to website problems, some ATMs may have technical issues where no accounts can be accessed, often indicated by error 03108.
How to Fix Bank of America Error 03108
If you encounter Bank of America error 03108, don’t panic. Here are some steps to take:
- Double check account number – Carefully review the account number, debit card number, username, or any other credentials you’re using to access your account. Make sure you’re using the right information.
- Try again later – Technical glitches happen. Try accessing your account again in an hour or the next day if the website or ATM was having temporary issues.
- Use another ATM – If one ATM is showing error 03108, try another Bank of America branch location and see if you can access your account at a different machine.
- Call customer support – Speak to a Bank of America customer service agent over the phone and explain you’re getting a 03108 error message. They can review your account and may be able to reset your online/ATM access.
- Visit a branch – Stop into a local branch and talk to a banker in person about the 03108 error you’re running into. They can confirm your account status and help get you up and running.
- File dispute – If you can’t resolve the 03108 problem after multiple attempts, file a formal dispute with Bank of America to elevate the issue.
Error 03108 doesn’t necessarily mean your account is closed or that anything is permanently wrong. In most cases, it is a temporary glitch that can be fixed by double checking your login information, trying other access points, or speaking with customer service. With a few simple troubleshooting steps, you should be able to resolve the 03108 error and access your Bank of America account again.
Here is a table summarizing the common causes and solutions for error code 03108:
| Cause | Solution |
|---|---|
| Incorrect account number entered | Double check account number |
| New account not fully activated | Wait 24-48 hours for activation |
| Recently changed account information | Allow time for updates to process |
| Merged accounts | Call customer service |
| Closed account access attempted | Open new account if needed |
| Wrong debit card number used | Enter correct card number |
| Too many failed login attempts | Reset login credentials |
| Website technical issues | Try again later or use app |
| ATM technical issues | Try another ATM location |
And here is a graph showing the frequency of different causes for error code 03108:
[Graph showing causes of error 03108]
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- Bank of America technical support
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- Fix BOA ATM error messages
- Bank of America customer service number
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FAQs About BofA Error 03108
- Why do I get a 03108 error at Bank of America ATMs?
The 03108 error typically means the ATM cannot locate your account. Reasons may include entering the wrong debit card number, your account number changed, or the ATM itself is having technical issues.
- What should I do if Bank of America website gives error code 03108?
First, confirm you are using the correct username and password. If so, the website may be having temporary issues. Try clearing cookies/cache, using a different browser, or access later. You can also call online banking customer service.
- I keep getting 03108 when checking Bank of America account balance. What can cause this?
Common reasons are trying to check a closed account, your account number changed recently, or you have the wrong account number entered. Call customer service to confirm your account status if the error persists.
- Does error 03108 mean my Bank of America account is frozen?
Not necessarily. The error code simply means the system can’t locate your account information. Your account may still be in good standing. Some common fixes include giving new accounts 24 hours to activate, entering credentials carefully, or accessing your account through a branch location or customer service agent.
- I just opened a BOA account. Why do I see error 03108 already?
New Bank of America accounts can take up to 48 hours to fully activate in their systems. Getting the 03108 error right after opening an account is common and will resolve on its own by the next business day in most cases as the account finalizes.
