How to turn on autopay for your Bank of America credit card
You can set up autopay on your Bank of America credit card through the online banking portal, the mobile app, or by calling customer service. The process takes about five minutes and requires you to choose a payment amount and a due date. Bank of America lets you pay the full statement balance, a fixed dollar amount, or the minimum payment — whichever you choose will come out of your linked bank account on the date you set.
Most cardholders set autopay to the full balance so they never carry interest charges. If you choose a fixed amount or minimum payment, make sure it covers at least the minimum due, or your account will show a late payment to the credit bureaus.
Key Takeaways
- You can enroll in autopay through the Bank of America website, mobile app, or by calling 1-800-432-1000 and selecting the credit card option.
- Autopay can be set to pay your full statement balance, a fixed dollar amount, or the minimum payment on your chosen due date each month.
- Your payment will pull from a checking or savings account you link during setup, and you can change or cancel autopay anytime.
- If your linked bank account has insufficient funds on the payment date, the payment will fail and may result in a late fee and credit report impact.
- You should keep enough money in your linked account to cover the autopay amount, plus any other scheduled transfers or bills.
Setting up autopay through the Bank of America website
Log into your Bank of America online banking account and select the credit card you want to enroll. Look for the "Payments" or "Pay My Bill" section — the exact wording varies slightly depending on your account type. Click on "Set Up AutoPay" or "Manage AutoPay" if you already have it turned on.
You will see a screen asking you to choose your payment amount. Select one of three options: pay the full statement balance each month, pay a fixed dollar amount, or pay the minimum due. Then choose the date you want the payment to come out — Bank of America typically offers dates between the 1st and the 28th of each month. Select the bank account you want the payment to pull from, confirm the details, and submit.
The system will show you a confirmation number. Write it down or take a screenshot. Your autopay will start on the date you chose in the following month.
Setting up autopay through the mobile app
Open the Bank of America mobile app and tap on your credit card account. Scroll down to find "Payments" or "Pay My Bill." Tap "Set Up AutoPay" or "Manage AutoPay." The steps are the same as the website: choose your payment amount, select your payment date, pick your linked bank account, and confirm.
The mobile app may ask you to verify your identity with a code sent to your phone or email before you can complete the setup. This is a security step and is normal. Once you confirm, your autopay is active.
Setting up autopay by phone
Call Bank of America customer service at 1-800-432-1000 and select the option for credit card services. Tell the representative you want to set up autopay. They will ask you for the payment amount you want, the date you want it to come out, and the bank account you want it to pull from. They will also verify your identity before processing the request.
The representative will give you a confirmation number. Ask them to repeat it and write it down. Your autopay will begin on the date you selected in the following month.
What happens if your linked bank account does not have enough money
If your bank account does not have enough funds on the autopay date, the payment will fail. Bank of America will charge you a returned payment fee (the amount varies but is typically $15 to $35), and the payment will not go through. Your credit card balance will remain unpaid, and if you do not pay by your actual due date, the late payment will show on your credit report.
To avoid this, keep a buffer in your linked bank account — at least the amount of your autopay plus any other bills or transfers scheduled for that month. If you know your account will be low, you can temporarily turn off autopay, make a manual payment, and turn it back on the next month.
Changing or canceling your autopay
You can change your autopay amount, payment date, or linked bank account anytime through the website, app, or phone. Log in or call customer service, go to the autopay section for your credit card, and select "Edit" or "Manage AutoPay." Make your changes and confirm. The new settings will take effect on your next scheduled payment date.
To cancel autopay entirely, follow the same steps and select "Cancel AutoPay" or "Turn Off AutoPay." Once you cancel, you will need to make manual payments each month to avoid late fees and credit damage. You can turn autopay back on anytime if you change your mind.
Frequently Asked Questions
Can I set autopay to pay only part of my balance?
Yes. You can choose to pay a fixed dollar amount each month instead of the full balance. However, if you pay less than the full balance, you will be charged interest on the remaining amount. Make sure your fixed payment is at least the minimum due to avoid a late fee.
What if I want to make an extra payment on top of autopay?
You can make a separate manual payment anytime without affecting your autopay schedule. Log into your account, go to payments, and choose "Make a Payment" or "Pay Now." Your autopay will still come out on its regular date.
Does autopay work if I have multiple Bank of America credit cards?
Yes. You set up autopay separately for each card. Log into your account, select each card individually, and enroll in autopay for that specific card. You can choose different payment amounts and dates for each one.
Can I change my autopay date if it falls on a weekend or holiday?
Bank of America will process your autopay on the date you choose. If that date is a weekend or holiday, the payment will typically go through on the next business day. You can select a different date if you prefer to avoid weekends — just edit your autopay settings.
What if I close my linked bank account?
Your autopay will fail if the linked account is closed. Bank of America will charge you a returned payment fee, and your credit card payment will not go through. Update your autopay settings with a new bank account before you close the old one, or turn off autopay and make manual payments instead.