The mailing address for Bank of America credit card payments
Bank of America has a single mailing address for all credit card payments sent by mail. The address is:
Bank of America Credit Card Payment Processing 1900 E. Golf Road Des Plaines, IL 60016
This address works whether you have a BankAmericard, a rewards card, a business card, or any other Bank of America credit card product. The payment processing center handles mail from across the country, so you do not need a regional address.
If you are paying by mail, include your account number on the check or money order itself — write it in the memo line. The payment center uses this number to match your payment to your account, not your name alone. Mail typically takes five to seven business days to arrive, so send your payment at least a week before your due date to avoid a late fee.
Key Takeaways
- Mail payments to Bank of America's Des Plaines, Illinois processing center, and write your account number on the check or money order.
- Mailed payments take five to seven business days to reach the bank, so send them at least a week before your due date.
- Bank of America offers faster payment methods — online through your account, by phone, or through their mobile app — that post the same day or next business day.
- If you miss a due date, contact Bank of America when ready; late fees and interest charges begin after the grace period ends.
- You can set up automatic payments from your checking account to avoid mailing checks altogether.
Why mailing a check is slower than other payment methods
Mail moves through the postal system before it reaches the bank's processing center. Even if you drop your envelope in a mailbox on a Monday morning, it may not arrive until Thursday or Friday. The bank then has to open the envelope, read your account number, and post the payment to your account — another one or two business days. A payment that posts on Friday may not show on your account until Monday.
This delay matters because your due date does not move. If your due date is the 15th and you mail a check on the 10th, the bank will not receive it until the 15th or 16th. The payment posts late, and you owe a late fee even though you mailed it on time. The postmark date does not protect you — Bank of America dates payments by the day they arrive at the processing center, not by the postmark.
For this reason, most cardholders who pay by mail send their checks 10 to 14 days early. If you cannot do that reliably, one of the faster methods below will cost you less in late fees over time.
Faster ways to pay that do not require mailing
Bank of America offers three payment methods that post within one business day and do not require a stamp or envelope. The first is online through your account at bankofamerica.com. Log in, go to your credit card account, and select "Make a Payment." You can pay from a Bank of America checking account (when ready) or from an external bank account (one business day). The second is by phone: call the number on the back of your card and follow the prompts to pay by debit card or bank account. The third is the Bank of America mobile app, which has the same payment options as the website.
All three methods let you pay when ready or schedule a payment for a future date. If you schedule a payment for the 14th and your due date is the 15th, the payment will post on the 14th and you will not owe a late fee. You can also set up automatic payments so that a fixed amount or your full balance is paid on the same day each month without you having to log in.
None of these methods charge a fee if you pay from a bank account you own. Bank of America does charge a fee if you pay by debit card from another bank, so check the current fee before you choose that option.
What happens if you mail a payment to the wrong address
Bank of America has other offices and mailing addresses for different services — customer service, disputes, fraud reports. If you mail a credit card payment to one of those addresses by mistake, it will be delayed or returned to you. The payment center in Des Plaines is the only address that processes credit card payments quickly.
If you are unsure whether your payment arrived, log into your account online or call the number on the back of your card. The bank can tell you the exact date and amount of your last payment. If a payment you mailed has not posted within 10 business days, contact the bank and ask them to trace it. They can check whether it arrived at the processing center and where it is in the queue.
Setting up automatic payments to avoid mailing altogether
Automatic payments remove the need to remember your due date or mail a check. You can set them up through your online account or by calling the number on your card. Bank of America lets you choose a fixed payment amount (for example, $200 per month) or your full statement balance. If you choose the full balance option, the bank will pay whatever you owe on your due date each month.
Automatic payments come from a checking account you link to your credit card account. The bank withdraws the payment on the date you choose, so you need to make sure your checking account has enough money on that day. If the account is empty when the payment is due, the bank will decline the payment and you will owe a late fee.
You can change or cancel an automatic payment at any time through your online account. If you need to skip a month, log in a few days before the payment date and turn it off. You can turn it back on the next month.
How to find your account number if you need it for a mailed payment
Your account number appears on your credit card itself — it is the long number printed on the front. It also appears on your monthly statement, usually at the top of the first page. If you do not have your card or a recent statement, log into your online account and look for your account details. The account number is also on the back of your card in smaller print.
When you mail a check, write your account number in the memo line of the check. Do not write it on the envelope. The memo line is the small space on the check where you would normally write "rent" or "utilities." The payment center reads the memo line to match your payment to your account.
Frequently Asked Questions
Can I pay my Bank of America credit card at a branch in person?
Yes. You can walk into any Bank of America branch and make a payment to your credit card account at the teller window. Bring your card or account number and the amount you want to pay. The payment posts the same day if you pay before the branch closes.
What if I mail my payment but my due date passes before it arrives?
You will owe a late fee and interest charges will begin to accrue. Contact Bank of America as soon as you realize the payment will be late. Some cardholders have had late fees waived if they call before the payment posts and explain the delay. The bank is not required to waive it, but it costs nothing to ask.
Do I need to include an invoice or statement with my mailed payment?
No. The bank does not need your statement. Write your account number on the check or money order and that is all they need to process it. If you want to include a statement for your own records, you can, but the bank will not use it.
Can I pay more than one credit card account by mailing one check?
No. Each check can only be applied to one account. If you have multiple Bank of America credit cards, you need to mail a separate check for each one, or pay them all online or by phone in one session.
Is there a minimum or maximum payment amount?
Bank of America does not publish a minimum payment amount for mailed checks. You can pay any amount from a few dollars up to your full balance. Your monthly statement will show your minimum payment due, which is usually 1 to 3 percent of your balance.