Where to send your Bank of America credit card payment
Bank of America accepts credit card payments through three main channels: online through your account, by phone, or by mail. The online method is fastest and most common — you log into your Bank of America account, navigate to the payment section, and transfer money from a linked bank account. Phone payments go through Bank of America's automated system or a representative, and you'll need your card number and bank details ready. Mail payments go to a specific address that appears on your statement, though this method takes 7 to 10 business days to reach the bank.
The payment address for mailed checks is printed on the back of your statement or in your online account under payment instructions. Do not mail a payment to a Bank of America branch — it will be delayed. If you're paying from outside the United States, call the international customer service line on the back of your card for wire transfer instructions.
Key Takeaways
- Online payments through your Bank of America account post the same day if made before the cutoff time, usually around 8 p.m. Eastern.
- Phone payments can be made 24/7 through the automated system or during business hours with a representative.
- Mailed payments take 7 to 10 business days to arrive and should be sent to the address on your statement, not a branch.
- Your due date is set by Bank of America and appears on your statement; paying before that date avoids late fees and interest charges.
- Setting up automatic payments through your online account prevents missed payments if you pay the same amount each month.
Online payment through your Bank of America account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Select "Pay Bills" or "Make a Payment" from the menu — the exact wording depends on your account type. You'll see your current balance, minimum payment, and due date. Enter the amount you want to pay and choose the date the payment should post. Bank of America processes online payments submitted before 8 p.m. Eastern on a business day the same day; payments submitted after that time or on weekends post the next business day.
The money must come from a bank account you've already linked to your Bank of America profile. If you haven't linked an account yet, you'll be prompted to add one during the payment process — you'll need your routing number and account number. Payments from accounts at other banks typically post within one business day, though some banks take longer to debit your account on their end.
Phone payments and automated payment lines
Call the number on the back of your credit card to reach Bank of America's payment line. The automated system is available 24/7 and will ask for your card number, the amount to pay, and the date you want the payment to post. You'll need a bank account number and routing number ready. If you prefer to speak with a representative, stay on the line after the automated prompts or press the option for customer service — representatives are available during business hours, typically 8 a.m. to 9 p.m. Eastern, Monday through Friday.
Phone payments are processed the same way as online payments: submitted before 8 p.m. Eastern on a business day post the same day. There is no fee for paying by phone through Bank of America's official line. Do not use third-party payment services that claim to process Bank of America payments — use only the number on your card or the official website.
Mailed payments and payment coupons
If you receive a paper statement, it includes a payment coupon with a mailing address. Tear off the coupon, write your check or money order, and mail both together. Do not send cash. The address on the coupon is the correct destination — it's a processing center, not a branch. Include your account number on the check itself if the coupon is separated from it.
Mailed payments take 7 to 10 business days to arrive and post after that. If your due date is fewer than 10 days away, mailing a payment risks a late fee. For this reason, mailed payments are best used only when you have no other option or when you're paying well ahead of your due date. If you don't have a payment coupon, you can request one by calling the number on your card or print one from your online account.
Setting up automatic payments
Bank of America allows you to set up recurring payments that debit your linked bank account on a date you choose each month. Log into your account, go to the payment section, and select "Set Up Automatic Payments" or "Recurring Payments." You can choose to pay a fixed amount (such as your minimum payment or a set dollar amount) or the full statement balance each month. The payment will post on the same schedule as a manual online payment — same day if submitted before 8 p.m. Eastern on a business day.
Automatic payments reduce the risk of missing a due date, but you remain responsible for the payment. If your linked bank account has insufficient funds, the payment will fail and you may incur a late fee. Review your automatic payment settings every few months to may support they're still appropriate for your spending and balance.
What happens if you miss a payment or pay late
Bank of America charges a late fee if your payment arrives after the due date shown on your statement. The fee amount depends on your card terms, but typically ranges from $25 to $39 for the first late payment. If you're late again within six months, the fee may be higher. A late payment also triggers interest charges on your remaining balance if you don't pay the full statement balance each month.
If you miss a payment by 30 days or more, Bank of America reports it to credit bureaus, which damages your credit score. If you realize a payment will be late, call the number on your card when ready — some representatives can waive a single late fee if you have a good payment history. The sooner you contact them, the better your chances.
Payment timing and when money actually posts
Your due date is the last day to pay without a late fee. Bank of America counts a payment as on time if it posts to your account by 11:59 p.m. Eastern on the due date. Online and phone payments submitted before 8 p.m. Eastern on a business day post the same day. Payments submitted after 8 p.m. or on weekends post the next business day. Mailed payments take 7 to 10 business days from the time you mail them, so the actual posting date depends on mail delivery time.
If you're cutting it close to your due date, use online or phone payment rather than mail. If your due date falls on a weekend or holiday, Bank of America extends the important date to the next business day — check your statement or account to confirm the actual important date for your card.
Frequently Asked Questions
Can I pay my Bank of America credit card from another bank's account?
Yes. You can link an account from any U.S. bank to your Bank of America profile and pay from it. The first time you link an account, Bank of America may verify it by depositing and withdrawing small amounts, which takes one to two business days. After that, payments from the linked account post within one business day.
What if I want to pay more than my statement balance?
You can pay any amount up to your credit limit. Paying more than your statement balance reduces your balance faster and lowers the interest you'll owe if you carry a balance. The extra payment is held as a credit on your account and applied to future charges.
Is there a fee for paying my credit card online or by phone?
No. Bank of America does not charge a fee for online or phone payments made through their official channels. Third-party payment services may charge a fee — avoid them and use only Bank of America's website or the number on your card.
How do I know if my payment went through?
After you submit an online or phone payment, you'll receive a confirmation number when ready. Log back into your account within a few hours to see the payment listed in your transaction history. The payment will show as "pending" until it posts, which happens the same day for online and phone payments submitted before 8 p.m. Eastern on a business day.
Can I cancel a payment after I've submitted it?
For online and phone payments, you can cancel a pending payment up until it posts — usually the same day you submit it. Log into your account or call the number on your card to cancel. Once a payment has posted, it cannot be reversed; you would need to contact Bank of America to discuss a refund, which is handled case by case.