Where to send your Bank of America credit card payment
Bank of America accepts credit card payments through three main channels: online through their website or mobile app, by phone, or by mail. The fastest and most common route is online — you can log into your Bank of America account, navigate to the card you want to pay, and send money the same day it posts. Phone payments go through their automated system or a representative, and mail payments take 5 to 7 business days to reach their processing center.
The payment address for mailed checks is printed on your monthly statement. Do not send payment to a branch location — mail goes to a centralized processing center. If you cannot find the address on your statement, you can call the number on the back of your card to confirm where to send it.
Key Takeaways
- Online and mobile app payments post the same day if submitted before the cutoff time, usually around 8 p.m. Eastern Time on business days.
- You can set up automatic payments from a Bank of America checking account or an external bank account, and choose whether to pay a fixed amount or your full balance.
- Payments by phone are processed when ready but may carry a fee if you use a third-party payment service rather than Bank of America's own system.
- Mailed payments take 5 to 7 business days to process, so send them at least 10 days before your due date to avoid a late payment.
- Your payment due date is set by Bank of America and appears on your statement; paying before that date prevents interest charges and late fees.
Online and mobile app payments
Log into your Bank of America account on their website or through the mobile app, select the credit card you want to pay, and choose "Make a Payment." You will enter the amount you want to send and confirm the date. If you submit before the cutoff time on a business day, the payment posts the same day. The cutoff is typically around 8 p.m. Eastern Time, though this can vary by day of the week.
You can pay from a Bank of America checking account linked to your profile, or from an external bank account. If you use an external account, Bank of America will ask for the routing number and account number. The first payment from a new external account may take one business day to process while Bank of America verifies it; after that, payments are same-day.
The online system also lets you set up recurring automatic payments. You choose the amount (a fixed dollar amount, the minimum payment, or the full statement balance) and the date each month. This removes the need to log in and pay manually, though you should still review your statement to make sure the amount is correct.
Phone payments
Call the number on the back of your credit card to reach Bank of America's payment line. You can speak to a representative or use their automated phone system to make a one-time payment. Have your account number and the bank account you want to pay from ready. Payments made this way post the same day if you call before the cutoff time.
Some third-party payment services also accept Bank of America credit card payments by phone, but these often charge a fee — sometimes $5 to $15 per transaction. Bank of America's own phone line does not charge a fee for this service. If you are calling a number other than the one on your card, confirm whether a fee applies before you authorize the payment.
Mailed payments
Write a check, include your account number on the check itself, and mail it to the address printed on your statement. Bank of America's mail processing center typically receives payments 5 to 7 business days after you mail them. To be safe, send your payment at least 10 days before your due date.
The risk of mailing is that delays in postal delivery or processing can push your payment past the due date, triggering a late fee and interest charges. For this reason, mailing is the slowest option and best used only if you do not have online or phone access. If you do mail a payment, keep a copy of the check or a photo of it for your records.
Automatic payments and payment scheduling
Bank of America lets you schedule payments in advance through their online system. You can set a specific date for a one-time payment weeks or months ahead, or set up a recurring payment that happens on the same date each month. This is useful if you want to pay on payday or coordinate multiple bills.
Automatic recurring payments are the most reliable way to avoid missing a due date. You choose whether to pay a fixed amount each month, the minimum payment, or the full statement balance. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or Bank of America will report the account as past due.
Understanding your due date and payment posting
Your due date is the last day of your billing cycle when payment must arrive to avoid a late fee. This date is set by Bank of America and appears on your monthly statement. The due date is typically 21 to 25 days after the end of your billing cycle, though this varies by account.
When you make a payment, it posts to your account on the day it is received. Online and phone payments post the same day if submitted before the cutoff. Mailed payments post 5 to 7 business days after arrival at the processing center. Your available credit increases as soon as the payment posts, and interest charges stop accruing on the paid balance when ready.
If you pay after the due date, Bank of America charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and begins charging interest on the remaining balance at your card's APR. A payment that arrives even one day late counts as late for reporting purposes.
Paying more than the minimum or paying in full
You can pay any amount between the minimum payment and your full statement balance. Paying more than the minimum reduces the interest you owe on the remaining balance. Paying the full statement balance by the due date means you owe no interest at all on that billing cycle.
If you carry a balance from month to month, interest accrues daily on the unpaid portion at your card's APR. The longer you carry a balance, the more interest you pay. For this reason, paying the full balance each month is the lowest-cost way to use a credit card, though paying more than the minimum still helps reduce total interest.
Frequently Asked Questions
What time does Bank of America stop accepting online payments each day?
The cutoff is typically around 8 p.m. Eastern Time on business days. Payments submitted after the cutoff post the next business day. Weekends and holidays are not business days, so a payment submitted on Friday evening may not post until Monday.
Can I pay my Bank of America credit card from another bank's account?
Yes. Log into your Bank of America account, select the payment option, and choose to pay from an external bank account. You will need the routing number and account number. The first payment takes one business day to verify; after that, payments post the same day.
What happens if I miss my due date?
Bank of America charges a late fee (typically $25 to $40) and begins charging interest on your remaining balance at your card's APR. The late payment is also reported to credit bureaus and can lower your credit score. Paying as soon as you realize you are late stops further interest from accruing on the paid amount.
Can I set up automatic payments to pay only the minimum?
Yes. When you set up a recurring payment, you can choose to pay the minimum payment amount each month. However, paying only the minimum means you carry a balance and pay interest. Paying the full statement balance avoids interest entirely.
How long does it take for a mailed check to post?
Mailed payments typically take 5 to 7 business days to reach Bank of America's processing center and post to your account. Send your payment at least 10 days before your due date to account for mail delays and processing time.