You can pay your Bank of America credit card over the phone by calling their automated payment line or speaking to a representative, and the payment posts the same day if you call before the cutoff time.
Bank of America operates a phone payment system that accepts payments 24 hours a day, 7 days a week. You will need your card number, checking or savings account information, and the amount you want to pay. Payments made before 8 p.m. Eastern Time on a business day typically post the same day; payments after that time or on weekends post the next business day.
The process takes about five minutes. You can choose to pay your full balance, the minimum payment, or any amount in between. Bank of America does not charge a fee for phone payments made from a linked bank account.
Key Takeaways
- Call 1-800-435-7000 to reach Bank of America's automated payment system or speak with a representative about your payment options.
- Have your card number, bank account details, and the payment amount ready before you call.
- Payments made before 8 p.m. Eastern Time on business days post the same day; weekend and after-hours payments post the next business day.
- Bank of America does not charge a fee when you pay from a checking or savings account by phone.
- You can pay your full balance, minimum payment, or any custom amount through the phone system.
What information you need to have ready
Before you call, gather your Bank of America credit card number and have a checking or savings account available to pay from. The system will ask you to confirm the last four digits of the card and the account you are paying from. You will also need to know the exact payment amount or be prepared to say "full balance" or "minimum payment."
If you are calling from a phone number different from the one on file with your account, the system may ask you to verify your identity using your Social Security number or other information. This is a security step and takes less than a minute.
The automated payment line versus speaking to a representative
Bank of America's automated system handles most payments without requiring you to speak to anyone. You navigate using your phone keypad and confirm the payment amount before it processes. This route is fastest if you know exactly how much you want to pay and your account information is current.
If you need to discuss your account, set up a payment plan, or have questions about your balance, you can stay on the line to speak with a representative. Wait times vary depending on call volume, but representatives are available during the same 24/7 window. You can also ask a representative to set up automatic recurring payments if you want to pay the same amount on the same day each month.
When the payment posts and how to confirm it
Payments submitted before 8 p.m. Eastern Time on a business day (Monday through Friday) post to your account the same day. Payments made after 8 p.m. or at any time on Saturday or Sunday post the next business day. Bank holidays may delay posting by one additional day.
After you complete the phone payment, the system provides a confirmation number. Write this down or take a screenshot if you are using a speaker phone. You can also log into your Bank of America online account or mobile app within a few hours to see the payment reflected in your pending transactions. The payment will move from "pending" to "posted" once it fully clears.
Paying from a different bank account
You can pay your Bank of America credit card from any U.S. checking or savings account, not just a Bank of America account. The system will ask you to provide the routing number and account number of the bank you are paying from. If you do not know your routing number, you can find it on the bottom left of your checks or by calling your bank.
The first time you pay from a new account, Bank of America may hold the payment for one to two business days as a fraud prevention measure. After that, payments from the same account typically post on the standard schedule. If you pay regularly from the same account, this delay only happens once.
What to do if your payment does not post
If you received a confirmation number but do not see the payment in your account within the expected timeframe, log into your Bank of America account online or call 1-800-435-7000 again to check the status. Provide the confirmation number you received when you made the payment. A representative can tell you whether the payment is still pending or if there was an issue with the account information you provided.
If the account information was incorrect (for example, a wrong routing number), the payment may be returned to the source account. Bank of America will notify you by mail or through your online account if this happens. You can then make a new payment with the correct information. This process usually takes three to five business days.
Alternatives to paying by phone
If you prefer not to call, Bank of America offers other payment methods. You can pay online through your account dashboard, set up automatic payments from a bank account, pay in person at a Bank of America branch, or mail a check. Online and automatic payments work on the same posting schedule as phone payments and carry no fee.
Some people use phone payment as a backup when they are close to a due date and do not have time to set up an online payment or mail a check. Others use it when they are away from home and do not have access to a computer. The phone system is also useful if you want to speak with someone about your account before making a large payment.
Frequently Asked Questions
Is there a fee to pay my Bank of America credit card by phone?
No. Bank of America does not charge a fee when you pay from a checking or savings account by phone. If you use a third-party payment service or pay from a credit card instead of a bank account, fees may explore, but the standard phone payment method is free.
Can I pay my Bank of America credit card by phone if I do not have online access?
Yes. The phone payment system is completely separate from online banking. You do not need an online account or password to call and make a payment. You only need your card number and the bank account you are paying from.
What happens if I call after 8 p.m. Eastern Time?
Your payment will still process, but it will post the next business day instead of the same day. If you call after 8 p.m. on a Friday, the payment posts on Monday (unless Monday is a bank holiday, in which case it posts Tuesday).
Can I set up a recurring payment over the phone?
Yes. When you speak with a representative, you can ask them to set up an automatic payment that repeats on the same day each month. You choose the amount and the day, and the payment comes from the bank account you specify. You can change or cancel the recurring payment at any time by calling back.
What if I do not know my bank account routing number?
Check the bottom left of your checks — the routing number is the first set of nine digits. You can also call your bank directly and ask for your routing number. If you have online access to your bank account, the routing number is often listed in the account settings or transfer section.