Call Bank of America's automated payment line to make a card payment over the phone
Bank of America's automated phone system lets you pay your credit card, debit card, or line of credit without speaking to a representative. You can call 1-800-435-7000 from any phone, any time of day. The system accepts payments when ready and confirms your transaction before you hang up.
The automated line works 24 hours a day, 7 days a week. You do not need to be a Bank of America customer to use it — you can pay someone else's account if you have their account number and authorization. Payments typically post to your account within one business day.
Key Takeaways
- Call 1-800-435-7000 to reach Bank of America's automated payment system, which operates around the clock.
- Have your account number, routing number, and the bank account you are paying from ready before you call.
- The system accepts payments from checking or savings accounts at any U.S. bank, not just Bank of America.
- Payments post within one business day, so plan ahead if your due date is tomorrow.
- If you need to speak to a person, press the option for a representative during the automated menu.
What you need before you call
Gather these details before dialing so the call moves quickly. You will need your Bank of America account number (the 10-digit number on your card or statement), the routing number of the bank account you are paying from, and your account number at that bank. If you are paying from a Bank of America account, you already have the routing number on file.
If you are paying from an account at a different bank, you can find the routing number on the bottom left of your checks, or call that bank's customer service line. Have the amount you want to pay ready as well. The system will ask you to confirm it before processing.
Step-by-step: making a payment
Call 1-800-435-7000. The automated system will ask you to enter your Bank of America account number using your phone keypad. After you enter it, the system reads back the last four digits of the account to confirm you have the right one.
Next, the system asks whether you are paying from a Bank of America account or an outside bank account. If you choose outside bank, you will enter the routing number and account number of the bank you are paying from. Then you enter the payment amount and confirm the date you want the payment to post.
The system will repeat all the details back to you and ask for final confirmation. Once you confirm, the payment is submitted. The system gives you a confirmation number — write it down or take a photo of your phone screen.
When payments post and what to expect
Payments made before 11:59 p.m. Eastern Time typically post the next business day. If you call on a Friday evening, the payment may not post until Monday. Weekends and federal holidays do not count as business days, so a payment made on Friday evening might not show until Tuesday if Monday is a holiday.
Once the payment posts, your available credit increases when ready. Your statement balance updates on your next billing cycle. If you are trying to avoid a late fee, remember that the payment must post by 11:59 p.m. Eastern Time on your due date — not just be submitted that day.
Speaking to a representative instead
If you prefer to speak to someone or have questions the automated system cannot handle, press the option for a representative when the menu offers it. Wait times vary depending on call volume. Representatives can also help if you need to set up a recurring payment or if you have a dispute about a recent charge.
Bank of America also offers phone support for customers with accessibility needs. If you use a relay service or need accommodations, mention that when you reach the menu.
Paying online or through the app instead
If you prefer not to call, Bank of America's website and mobile app both let you schedule payments without speaking to anyone. Log into your account, go to the Payments section, and enter the amount and date. You can schedule payments in advance or make them right away. The posting timeline is the same as phone payments — one business day.
Online and app payments also let you set up automatic recurring payments if you want the same amount to post every month. The phone line does not offer this option, so you would need to call each time.
Frequently Asked Questions
Can I pay someone else's Bank of America card by phone?
Yes. You can pay any Bank of America account if you have the account number. The system does not require you to be the account holder. This works if you are paying a family member's bill or helping someone else manage their account.
What if I call after my due date has passed?
You can still make a payment by phone at any time. However, if your due date has already passed, a late fee may have already been charged. Calling to pay stops future late fees from accruing, but does not remove a fee that already posted. Contact a representative to discuss the fee if you believe it was applied in error.
Is there a fee to pay by phone?
Bank of America does not charge a fee for phone payments to your own account. If you are paying someone else's account, confirm with that person whether their bank charges a third-party payment fee, though Bank of America's automated line itself is free to use.
What if the payment does not post the next day?
Check your confirmation number and the account details you entered. If everything was correct, contact Bank of America customer service at 1-800-435-7000 and ask to speak to a representative. They can look up your payment and tell you where it is in the system. Delays sometimes happen if the routing number or account number was entered incorrectly.
Can I cancel a payment after I hang up?
If the payment has not yet posted, you can call back and speak to a representative to request a cancellation. Once it has posted, you cannot cancel it through the phone line — you would need to contact customer service. The sooner you call, the better your chances of stopping it before it processes.