The main phone number for Bank of America credit card payments
Bank of America's automated payment line for credit cards is 1-800-435-7000. This number works 24 hours a day, seven days a week. You will need your card number, PIN or online password, and the amount you want to pay before you call.
The system is automated, so you do not need to speak to a representative unless something goes wrong or you have questions the menu cannot handle. If you need to talk to a person, the system will route you to the next available agent after you select that option.
Bank of America also offers a second number specifically for customers who want to speak with a representative right away: 1-800-732-9194. Wait times vary depending on call volume, but this line is also available around the clock.
Key Takeaways
- Call 1-800-435-7000 to use Bank of America's automated payment system, which processes payments when ready and works any time of day or night.
- Have your card number, a PIN or password, and the payment amount ready before you call to speed up the process.
- You can pay from a checking or savings account at any U.S. bank, not just a Bank of America account.
- Payments made before 8 p.m. Eastern Time typically post to your account the same business day.
- If you call to dispute a charge or discuss your account, you may reach a representative at 1-800-732-9194.
What information you need before calling
Have your 16-digit credit card number ready. The automated system will ask you to enter it using your phone keypad. If you are calling from a phone number associated with your Bank of America account, the system may recognize you and skip this step.
You will also need either your PIN (if you have set one up) or your online banking password. This confirms your identity before the system processes the payment. If you do not have a PIN or have forgotten it, you can set one up during the call or use your password instead.
Finally, know the exact amount you want to pay and which account the money should come from. The system will confirm both before processing.
How the automated payment system works
After you call 1-800-435-7000, the system will guide you through a series of prompts. You enter information using your phone keypad (the numbers 0–9). The system reads back what you entered to confirm it is correct before moving forward.
You will be asked to choose which account to pay from — usually a checking or savings account. Bank of America accepts payments from accounts at other banks as well. The system will ask for the routing number and account number if you are paying from a non-Bank of America account.
Once you confirm the payment amount and the account it will come from, the system processes the payment when ready. You will receive a confirmation number. Write this down or note it in your records. Payments made before 8 p.m. Eastern Time on a business day typically post the same day; payments made after that time or on weekends post the next business day.
Payment timing and when money reaches your account
The time your payment reaches your credit card account depends on when you make the call and what day of the week it is. Payments submitted before 8 p.m. Eastern Time on a weekday post the same business day. Payments made after 8 p.m. or on weekends post the next business day.
If you are paying to avoid a late fee, check your statement to see when your payment due date is. Calling a few days before that date gives you a safety margin in case of any delays. Bank of America considers a payment on time if it posts by 5 p.m. Eastern Time on the due date.
If you are in a situation where you cannot pay the full balance, you can still make a partial payment by phone. The minimum payment amount varies by account, but the system will tell you what the minimum is when you call.
Speaking with a representative instead of using the automated system
If you prefer to speak with a person, press the option for a representative when the automated menu plays. You can also call 1-800-732-9194 directly. Representatives can help with questions about your account, disputes, or payment arrangements that the automated system cannot handle.
Wait times depend on call volume. Calling early in the morning or late in the evening often means shorter waits than calling during business hours. Representatives are available 24 hours a day, but you may wait longer during peak times.
If you are calling about a dispute or to report fraud, a representative can start the process over the phone. You may need to follow up in writing, but the representative can explain what steps come next.
Paying your Bank of America credit card without calling
Phone payment is one option, but Bank of America offers other ways to pay that may be faster or more convenient. You can log into your online banking account and make a payment from there in minutes. The online system shows your current balance, minimum payment, and due date all in one place.
The Bank of America mobile app also allows you to make payments. You can set up a one-time payment or schedule recurring payments for the same amount each month. Scheduled payments give you control over when the money leaves your account.
You can also mail a check to the address on your statement, though this takes longer — typically 7 to 10 business days for the payment to post. If you are paying by mail, include your account number on the check so Bank of America knows which account to credit.
What to do if you have trouble making a payment
If the automated system rejects your payment, it is usually because the account information you entered does not match Bank of America's records. Hang up and try again, making sure you enter the routing number and account number exactly as they appear on a blank check or your bank statement.
If you are paying from a non-Bank of America account and the system keeps rejecting it, call 1-800-732-9194 to speak with a representative. They can verify the account information and may be able to process the payment manually or suggest an alternative method.
If you believe a payment was processed twice or if a payment you made is not showing on your account after two business days, contact Bank of America customer service. Keep your confirmation number from the call — this helps the representative track down what happened.
Frequently Asked Questions
Can I pay my Bank of America credit card from an account at a different bank?
Yes. The automated system accepts payments from checking or savings accounts at any U.S. bank. You will need the routing number and account number from that bank. These appear on a blank check or in your online banking portal at that bank.
What is the latest time I can call to make a payment that posts the same day?
Payments submitted before 8 p.m. Eastern Time on a business day post the same day. After 8 p.m. or on weekends and holidays, your payment posts the next business day. If your due date is tomorrow, calling today before 8 p.m. Eastern is the safest option.
Do I need a Bank of America account to pay my credit card by phone?
No. You only need a checking or savings account somewhere to transfer money from. That account can be at any U.S. bank. You do need your Bank of America credit card number and either a PIN or your online password.
What if I do not remember my PIN?
You can use your online banking password instead of a PIN. If you do not have a password set up, you can create one during the call. The representative can walk you through setting up a PIN for future calls if you prefer.
Is there a fee for paying by phone?
Bank of America does not charge a fee for phone payments made to your credit card account. Some third-party payment processors charge fees, but calling the official Bank of America number is free.