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Correct. Apple doesn't make money off of your interaction with BofA either way. They care that you have the best experience and continue to use their platform, but whether you use bankofamerica.com versus a mobile app, it doesn't matter.

Note here that using the mobile app is in no way any form of lock-in, because the exact same app will exist for Android too, and it's free, so there's no barrier to switching platforms.



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