I am a merchant and wanted to verify funds. Good Luck!! After 45 minutes of trying to talk to someone, I finely got to the fraud department. What does the person do....without telling me they are going to transfer my call, she transfers me to a recording that says BOA will only verify that an account is an active account and will not verify funds. Everyone should witch to WAFED,. han User's recommendation: Change your banking to WAFED.