Mail your payment to the address on your statement or invoice
The mailing address for Bank of America credit card payments appears on every monthly statement you receive. This is the safest address to use because it is tied directly to your account number. Open your most recent statement — either the paper copy or the one in your online account — and look for a section labeled "Payment Address" or "Make Payments To." The address listed there is where your check or money order should go.
Do not use a branch address or the corporate headquarters. Bank of America routes credit card payments through a centralized processing center, and sending to the wrong address delays your payment and may result in a late fee. The statement address is the only one may provide to reach the right department on time.
Key Takeaways
- Your payment mailing address is printed on your monthly statement under "Payment Address" or "Make Payments To."
- Always use the address from your statement, not a Bank of America branch or office location.
- Mail payments should arrive at least five to seven business days before your due date to avoid late fees.
- Include your account number on the check or money order so the payment posts to the correct card.
- For faster payment, use online banking, the mobile app, or phone payment instead of mailing a check.
How to find the address if you do not have your statement
If you cannot locate a recent statement, log into your Bank of America online account or mobile app. Go to your credit card account details and look for a "Make a Payment" or "Payment Information" section. The mailing address will be displayed there, often near the option to pay by mail.
You can also call the customer service number on the back of your credit card. A representative will provide the current mailing address and confirm your account details. This is the fastest way to verify the address if you are uncertain.
What information to include with your mailed payment
Write your account number on the front of your check or money order. This ensures the payment reaches your account even if the envelope gets separated from the check. Do not send cash through the mail — it cannot be tracked and offers no proof of payment.
Include a copy of your payment stub if you have one, or write a brief note with your name and account number. Do not send credit cards, personal identification documents, or other sensitive information with your payment. Bank of America never needs these items to process a payment.
Timing for mailed payments to post to your account
Mailed payments typically take five to seven business days to arrive and process. Your due date does not change based on mail delivery time, so a payment postmarked on the due date may still be considered late. Mail your payment at least one week before the due date to be safe.
Bank of America considers a payment on time if it arrives by 5 p.m. Eastern Time on the due date. Weekends and holidays do not stop the clock. If you are cutting it close, use online banking or phone payment instead — both post the same day or next business day.
Faster alternatives to mailing a check
Bank of America online banking lets you schedule a payment from your checking or savings account in minutes. Log in, select your credit card, choose "Make a Payment," and enter the amount and date. The payment posts within one business day, and you can schedule it in advance so you never miss a due date.
The mobile app offers the same feature. You can also pay by phone by calling the number on the back of your card — a representative will take your payment information and process it when ready. Both methods are free and leave an when ready record in your account.
What to do if your mailed payment is lost or delayed
If you mailed a payment and your account still shows it as unpaid after ten business days, log into your account and check the transaction history. If the payment does not appear, contact Bank of America customer service with the date you mailed it and the check number. They can search for it in the processing system.
If the payment was genuinely lost, you may need to stop payment on the original check and send a replacement. Bank of America can advise you on this process. If a late fee was applied because of a delayed mailed payment, explain the situation to a representative — they may reverse the fee if the delay was not your fault.
International payment addresses
If you are sending a payment from outside the United States, the mailing address on your statement is still correct. However, international mail takes longer — allow two to three weeks for delivery. Bank of America recommends using online banking or phone payment if you are outside the U.S., as these methods are faster and more reliable.
Do not send foreign currency or checks drawn on a non-U.S. bank to the mailing address. These cannot be processed and will be returned. Use the online or phone payment methods instead, which accept payments from U.S. bank accounts only.
Frequently Asked Questions
Can I pay at a Bank of America branch in person?
Yes. Visit any Bank of America branch with your credit card or account number and the amount you want to pay. The teller will process it when ready. Bring a valid ID. This method works well if you prefer to pay in person and want when ready confirmation.
What if I send my payment to the wrong address?
The payment may be returned to you or forwarded to the correct processing center, which delays posting. This could result in a late fee. Always use the address from your statement. If you made this mistake, contact Bank of America right away to report the payment and ask them to locate it.
Do I need to include a payment stub with my check?
No, but it helps. The payment stub has a barcode that speeds up processing. If you do not have it, write your account number clearly on the check. Bank of America can match the payment to your account using the account number alone.
Is there a fee for mailing a payment?
No. Bank of America does not charge a fee for mailed payments. Online and phone payments are also free. You only pay postage if you are mailing a check, which is a standard cost.
How do I know if my mailed payment was received?
Log into your online account or app and check your recent transactions. Mailed payments usually appear within seven to ten business days. You can also call customer service and ask them to confirm whether a payment was received on a specific date.