How to Access Bank of America with a VPN?

Updated on: 20 February 2019
Updated on: 20 February 2019

In this day and age, accessing your bank online is the best way to manage your funds, especially reliable when travelling or when using cash isn’t an option.

However, some of them, including the Bank of America, have security systems in place that ban VPN users. They will intercept the traffic coming from such servers and block it out entirely.

1. Why Can't I Access Bank of America?

It’s always a good idea to use an online security provider when accessing the internet, even when accessing your bank account. Especially if you’re out in another country and all you have access to is a third-rate Wi-Fi connection in a rundown locale, a VPN will be critical.

There might be trackers watching the traffic coming from that Wi-Fi connection, the kind of hungry wolves who’ll steal your personal information and sell it for the highest profit.

So, you can’t be blamed for using a VPN, and the approach of such banks that discourage their use is not exactly very fair or in line with the cyber-dangers of the 21st century.

When trying to access the Bank of America from a VPN server, this is what you’ll receive in return.

Bank of America Blocked

As such, what exactly can you do to overcome this ban?

The answer is right around the corner. Not all VPNs find it impossible to make their way through all the security features of the Bank of America. The premium online security providers out there can achieve this like it’s another day at work.

Check out the following list to see the best VPNs in this sense. I’ve made the list with a few key points in mind:

  • The no-logs policy is crystal-clear and reliable
  • It has many servers that aren’t blocked by the Bank of America
  • You can choose between multiple server locations, particularly those that aren’t in the US
  • Strong encryption protocols
  • Reliable and responsive customer support
  • The overall service is provided with professionalism, reliability, and swiftness

1. NordVPN

The Panama-based online security provider has one of the largest server coverages on the market, which means that you’ll have plenty of options to choose from in case that some servers are blocked.

Just because the VPN is so popular, it’s also the main target of blocking attempts, whether we’re talking about Netflix or the Bank of America. As such, you might have to contact the customer support and request a list of servers that are not on the blacklist.

Pros:

  • A 75% off Christmas special offer for all the packages
  • Military-grade encryption
  • More than 4500 servers based in well over 60 countries
  • Dedicated IPs
  • Six simultaneous connections
  • Tor over VPN possibilities
  • Based in Panama, a location known for its strict privacy laws, and lax data retention regulations
  • Works with Netflix and BBC iPlayer

Cons:

  • An IPv6 leak on the macOS IKEV2 app

Let’s have a look at its core features and see what makes NordVPN a leading online security provider.

Speed

In terms of server response times and overall speed, this VPN can be said to be at least among the top 3 on the market, if not worthy of the first place. I have personally tested all of its servers, and what I found was very pleasing, to say the least.

At the bare minimum, the speed went down to 50 Mbps, and the average was around 60-65 Mbps. These results are absolutely mind-blowing considering that there are more than 4000 servers all-around.

On the fastest servers, this top-notch ship that is NordVPN was upgraded to a whole new level. The faster-than-light thrusters will carry you with unimaginable swiftness even in the farthest corners of the cyber-ocean.

500 Mbps – this is what you can expect. Actually, the average speeds in the UK, Australia, and the US are between 100-500 Mbps, just to put things into perspective.

You can either have that or opt for a free, subpar VPN wooden raft that takes on water and uses hamsters on a wheel as thrust.

You can imagine that, even with the rough opposition of the bank’s online platform, you’ll still get unrestricted access faster than you can blink. Such servers are meant for HD streaming, let alone surfing the internet or accessing the Bank of America.

Locations

Like I said before, NordVPN has a very wide coverage of 60+ countries. There are about 10.000 individual IP addresses if you take all the servers into consideration, so you can see why this online security provider is so highly appreciated.

Streaming becomes simple enough to do with your eyes closed. Just pick a location and bring your popcorn. But this isn’t why you’re here.

The Bank of America. With so many servers and locations, chances are you won’t have any problems at all accessing your bank account no matter where your work takes you.

Privacy

In terms of security, NordVPN can easily take the first place among the competition. The logging policy is clean and very reliable, the encryption protocols are based on OpenVPN, AES-256-CBC ciphers, alongside a Perfect Forward Secrecy.

There is also a perfectly functional and reliable kill-switch built into the system, so you won’t have to worry if your connection is cut off out of the blue.

As for protection against any attacks on public Wi-Fi networks, you can be sure that only the top-notch features are implemented. You can use the obfuscated servers to create the impression that you’re not using a VPN at all.

This is especially useful when connecting to the online platform of the Bank of America, as it will hide away any and all signs of the VPN’s encryption protocols.

You’ll appear to be a normal user to everyone tracking you down.

Ease of use

Compatibility-wise, NordVPN is accessible on Microsoft Windows, MacOS, iOS, Android, and you have access to plenty of Linux-installation guides.

The client itself is the simplest and easiest I’ve come across. So long as you’re not blind and you have more than two neurons connected together, you should be just fine.

You also have access to multiple browser extensions for Chrome, Safari, and Firefox, and there are plenty of features that you can change to better suit your tastes.

Customer Support

There’s a 24/7 customer support that you can contact at any time of the day. You’ll be contacted in the shortest time possible with a detailed and helpful reply for your specific problem.

But this is just the ticket-based system we’re talking about. NordVPN also has a live chat feature. This is what really sets it apart from nearly every other online security provider on the market.

There are plenty of tutorials, FAQ articles, user chats and reviews on the website that will tell you all you need to know about the features, options, potential issues and problems you might encounter.

Pricing

These are the packages that NordVPN provides:

  • $11.95 per month for a 1-month plan
  • $6.99 per month for a 12-month plan
  • $3.99 per month for a 24-month plan
  • $2.99 per month for a 36-month plan

As you can see, bulk purchases benefit from considerable discounts.

You are protected by a 30-day money-back guarantee and you also 3-day free trial for desktop users, as well as a 7-day free trial for mobile apps.

You can pay with a debit or credit card, with Paypal or with Bitcoin for more anonymous purchases.

As a conclusion, if I would describe NordVPN in three words, those would be: simplistic, efficient, and intuitive.

IPVanish

IPVanish is another ultra-sophisticated and professional online security provider that will take your privacy to another level. It’s based in the US, and while the Bank of America is actively blocking some of its servers, there are also those that will offer you unhindered access to the bank’s platform.

It has very high speeds, plenty of custom apps for all platforms, browser extensions, and individually-owned servers that they’re constantly updating to keep peak performance.

Pros:

  • Over 1000 servers in more than 60 countries
  • Lightning-fast speeds
  • A zero-logs policy and top-notch encryption protocols
  • P2P torrenting is permitted and actively supported
  • In-built kill-switch and DNS leak protection

Cons:

  • Based in the US
  • It can’t access the US platform of Netflix

Speed

IPVanish is currently reviewed as being among the fastest VPNs on the market. With speeds reaching up to 210 Mbps on the best of servers, and an average of 30-40 Mbps in the smaller countries, this is surely more than enough to stream in HD.

As for accessing the Bank of America’s platform, you can do that with two times less the speed you’re provided, so you can imagine that this is surely not a problem but an advantage.

In a split-second, you’ll access pretty much any website with peak server response times. Moreover, there are few-to-no connection drops on the vast majority of the servers.

Obviously, torrenting is also actively supported since the speeds are so lightning-fast.

Locations

With more than 60 server locations spread across the globe, IPVAnish comes in the top of any VPN list. However, its approximate number of 1000 servers it’s a bit low when compared to the other high-quality online security providers.

All things considered though, IPVanish has a total of 40.000 individual addresses which is honestly the highest that I’ve encountered. Hell, the second best has at most half of this.

Why is this important? Because even if some servers or IP addresses will get blocked off, you can instantly switch them to continue your activities without the slightest hitch.

This VPN gives you access to geo-blocked content on the web, allows torrenting, and you can also stream Netflix with it. With so many locations and IP addresses at your disposal, the Bank of America will find it impossible to even slow you down, let alone stop you.

Privacy

In terms of privacy and security, IPVanish really is a jack-of-all-trades, especially when it comes to the no-logging policy. It’s clear, rigid, strict, and very reliable.

It seems like no logs are kept at all, except maybe some data regarding the server uptime and its functionalities, to make it easier to maintain them.

It uses three types of VPN protocols:

  • OpenVPN with an AES-256 cipher
  • PPTP
  • L2TP

There are also encryption handshakes, hash authentications, the Perfect Forward Secrecy feature, and other ciphers to talk about as well.

Long story short, IPVanish is outstanding in keeping the user data safe and secure, as well as providing you with long-term privacy and anonymity.

Ease of Use

The IPVanish app is compatible with the vast majority of platforms and operating systems. It works with Windows, macOS, iOS, Android, and you can even use it with an Amazon Fire TV app.

The interface itself may not be as modern-looking or artistically crafted as others’ but it gets the job done with incredible ease. You don’t have as many browser extensions, and there are quite a few shortcomings as well.

However, you can change most of the settings to suit your tastes, and, in general, you won’t have any issues with using IPVanish.

Customer Support

If it was a few years back, this section would have been filled with downsides and negative remarks but ever since then, IPVanish has been working on improvising and developing its customer support.

There is a very reliable live chat available on the website now, and the overall support stays there 24/7 to help you out of any predicament. You can notice an increased interest in the clients’ satisfaction.

The FAQ section is filled with plenty of articles and information for most of the problems you could ever encounter. The resources are nearly limitless with all the guides and user comments.

If by some stroke of bad luck, you’re unable to find an answer to your questions or solve an issue, you can contact the support staff through an online form. Since they’ve went 24/7, expect an answer relatively fast.

Oh, and they’ll surely be able to compile you a list with the servers and locations that you can use to access the Bank of America.

Pricing

IPVanish has three main packages:

  • $8.00 per month for a 1-month plan
  • $7.20 per month for a 3-month plan
  • $5.20 per month for a 12-month plan

There is only one service plan split apart into three subscription periods. If you want to commit for a longer period of time, the prices will get slashes and reduced accordingly.

You have a 7-day money-back guarantee but you don’t have access to a free trial period.

As for the payment methods, they are:

  • Credit or debit cards
  • PayPal

Sadly, IPVanish doesn’t accept Bitcoin payments or any other cryptocurrencies for now.

3. CyberGhost

Founded in 2011 in Romania, CyberGhost has become one of the leading online security providers on the market. With top-notch encryption protocols, reliable speeds, and one of the most trustworthy no-logging policies, this VPN will take you on a legendary adventure that you’ll never forget.

Romania has almost no data retention laws, with the internet censorship being a foreign concept altogether. For privacy purists, things literally can’t get any better than this.

Moreover, with the recent change in leadership at Crossrider, the situation looks even more promising.

Pros:

  • A special offer for Christmas now available – 77% off on all packages
  • A private VPN through and through – reliable no-logs policy
  • 45-day money-back guarantee
  • P2P file-sharing allowed
  • Allows streaming on Netflix and BBC iPlayer

Cons:

  • There aren’t many things that I can name

Speed

I’ll go with a 10/10 right from the get-go.

That’s what CyberGhost deserves in terms of speed. The absolute best.

In short, you can do whatever you want on the internet because you will never, and I mean never have any freezing, lag or stutters going on. Streaming in 4k HD? Sure, go ahead.

You can even go guns blazing on a Blackout session in Call of Duty Black Ops 4, and you’ll have a seamless and fluid experience overall. Destroy everything with these superluminal speeds.

The Bank of America will not even see you coming, let alone try to stop you.

Locations

60 countries with a total of 2750 servers, and you have access to 7 simultaneous connections.

You can’t ask for anything better. Say goodbye to geo-blocked content, and welcome complete freedom.

Most of the servers are based in North America or Europe but you will also find some in Australia and South East Asia.

Torrenting is allowed and fully supported, just as routers are fully endorsed.

Privacy

The biggest argument you’re going to get in this sense is the fact that CyberGhost is based in Romania.

This is a country known for having almost no regulations and limitations on internet usage. Online censorship is non-existent, and data retention laws don’t exist at all. In fact, there is a very privacy-oriented mindset going around the country as well.

You have a kill-switch that will make sure you stay protected even if the client blacks out sometimes, and the client itself has many security features that will increase your anonymity.

Moreover, CyberGhost has been making leaps and advances with its no-spy servers. A result of a crowd-funding campaign, these servers are based in Romania, owned and controlled entirely by the company, with very high-security protocols active.

Presumably, not even NSA would be capable of getting data off of these servers.

All in all, even if it’s based in Europe, the particular case of Romania’s privacy culture and the laxity of the internet laws make it so that CyberGhost rises up to the challenge in delivering premium services.

The data channel is ruled by an AES-256-CBC cipher with a SHA256 hash authentication. As for the control channel, you can expect the same AES-256 cipher, RSA-4096 key encryption, and a SHA384 hash authentication.

The Perfect Forward Secrecy protocol is based on the ECDH-4096 key exchange.

Ease of Use

Available on Windows, Linux, Android, and MacOS, CyberGhost comes to the aid of users on the vast majority of platforms. In order to create an account on their website though, you have to provide a vail e-mail address.

Since the payment methods are anonymous, this is certainly not a risk.

You also have access to manuals if you want to manually set up OpenVPN setups on iPhone, Android, macOS and the other platforms.

Moreover, the client itself has a very neat and helpful feature included. It will ask you for the reason you’re using the VPN, what you want to achieve. If you’re planning on streaming HD videos, for example, it will automatically connect you to the fastest servers available.

With the premium package, you can use the VPN on 7 devices simultaneously, which is a lot when compared to the vast majority of other online security providers out there.

Customer Support

In this sense, CyberGhost manages to go even further to another level. The website has a friendly tone to it, especially when you see that there it has a multilingual interface.

There is a lot of information about the VPN’s features, the payment methods, plans, what you need to know and how you should proceed further if you want to get on this high-tech spaceship.

There is a 24/7 live chat that you can use to solve any issues you might come across, and you can believe it that the replies are very detailed and personalized for each and every user.

In general, the staff will be able to help you solve the majority of your issues but if things are getting too technical for them, you’ll be told to wait for an e-mail with a detailed solution.

They’re pretty prompt as well so you won’t have to wait long before getting a response.

Pricing

There are three plans to talk about:

  • $12.99 per month for a 1-month plan
  • $7.99 per month for a 6-months plan
  • $2.75 per month for a 12-month plan, with a 77% discount

Actually, no matter what plan you choose, you’ll have access to the same features that a 12-months user. However, you’re making a better deal if you go for longer subscriptions.

You have a 7-day free trial, and also a 45-day money-back guarantee.

As for payment methods, you can use:

  • Credit or debit cards
  • PayPal
  • Bitcoin and other cyber-currencies

2. Drilling through the steel safe of America’s bank

Like I said at the beginning of the article, the Bank of America will try to block off access to VPN users.

However, there are still ways in which you can access the platform while still being protected and maintaining anonymity.

The answer is simple – look for better quality, professional online security providers that make it their goal to satisfy customers.

With peak standards in terms of security, server obfuscation and stealth technologies, and top-notch encryption protocols, NordVPN, IPVanish, and CyberGhost are the best choices you’ve got.

If you’re ready to penetrate Bank of America’s hymen, these are the perfect cyber-dildos to have.

Written by: Alex Popa

Content writer and technology enthusiast. Alex discovered his love for writing not long ago, one that deepens with each written article. Tech subjects are right up his alley, and as he strives to perfect his craft, even more, his journey through the cyber-world leads to many interesting topics that he approaches with the skill and passion of an avid learner. He’s decided to put his ability to good use and share any digital novelties he comes across.

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