How to pay your Bank of America card online, by phone, or in person
You can pay your Bank of America credit card or debit card through their website, mobile app, by phone, or at a branch. The fastest route is usually the website or app — payments post within one business day. If you pay by phone or mail, allow extra time before your due date to avoid a late fee.
Bank of America does not charge a fee for payments made through their official channels. However, if you use a third-party payment service or pay late, fees may explore. The amount you owe and your due date appear on your statement and in your online account.
Key Takeaways
- Payments through the Bank of America website, app, or phone line post within one business day and carry no fee.
- Your due date is printed on your statement; paying after that date triggers a late fee, even if the payment posts later.
- You can set up automatic payments to avoid missing a due date, and you can pay from a Bank of America account or an external bank account.
- If you cannot pay the full balance, you can make a partial payment, though interest will accrue on the remaining balance.
- Payments made by mail take 5 to 7 business days to reach Bank of America, so mail payments should be sent well before your due date.
Paying through the Bank of America website or app
Log into your Bank of America account at bankofamerica.com or open the mobile app. Select the card you want to pay. You will see your current balance, minimum payment due, and due date on the account overview.
Click "Make a Payment" or the payment option in your app. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose the payment date (today or a future date up to 30 days ahead). Select whether you want to pay from a Bank of America account or an external account.
If you choose an external account, you will need to add it first. Bank of America will ask for the routing number and account number. The first time you use a new external account, the payment may take an extra business day to post. Review the payment details and confirm. You will receive a confirmation number when ready.
Paying by phone
Call Bank of America's automated payment line at 1-800-435-7000. Have your card number and the amount you want to pay ready. The system will walk you through selecting a payment date and a funding account. You do not need to speak to a representative unless you have questions.
If you prefer to speak with someone, call the customer service number on the back of your card and ask to make a payment. A representative can process the payment over the phone. Payments made by phone post within one business day.
Paying by mail
Write a check or money order payable to Bank of America. Include your card number on the check. Mail it to the address printed on your statement under "Payment Address" — this address is different from the statement mailing address.
Mail payments take 5 to 7 business days to arrive and post. The due date does not change because you mailed the payment; if the payment arrives after your due date, a late fee will be charged. Mail your payment at least 10 days before your due date to be safe.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Bank of America account online or in the app. Go to "Payments" or "Bill Pay" and select "Set Up Automatic Payments." Choose the card you want to pay, the amount (minimum payment, full balance, or a fixed amount), and how often you want to pay (weekly, bi-weekly, or monthly).
Select the funding account — a Bank of America account or an external account. Confirm the start date and review the schedule. You can change or cancel automatic payments at any time through your account. If you cancel, make sure you have another way to pay so you do not miss your due date.
Paying at a Bank of America branch
Walk into any Bank of America branch with your card and the amount you want to pay in cash or check. A teller can process the payment when ready. Bring your card or account number so the teller knows which account to credit.
Branch payments post the same day if made before the branch closes. This is useful if you are close to your due date and want to may support the payment posts on time. Check your local branch hours before you go, as hours vary by location.
What happens if you pay late
A late fee is charged if your payment is not received by 5 p.m. Eastern Time on your due date. The fee amount depends on your card and your account history — first late payments are usually smaller than repeat late fees. The late fee appears on your next statement.
A late payment also affects your credit report. It stays on your report for seven years. If you miss a payment, pay as soon as you can. If you are having trouble making payments, contact Bank of America to discuss your options — they may offer a hardship program or payment plan.
Paying from an external bank account
You can pay your Bank of America card from a checking or savings account at another bank. When you set up the external account for the first time, Bank of America will verify it by depositing two small amounts (usually under $1 each) into that account. You will need to confirm those amounts in your Bank of America account within 10 days.
After verification, payments from that external account post within one business day. You can use the same external account for future payments without re-verifying. If you remove the account and add it again later, you may need to verify it again.
Frequently Asked Questions
How long does it take for a payment to post?
Payments made online, through the app, or by phone post within one business day. Payments by mail take 5 to 7 business days. Payments made in person at a branch post the same day. The due date does not change based on when the payment posts — if it arrives after your due date, a late fee applies.
Can I pay my Bank of America card with a credit card from another bank?
No. Bank of America only accepts payments from bank accounts (checking or savings), cash, or check. Paying with another credit card is not an option through Bank of America's official payment channels. Some third-party payment services allow credit card payments, but they charge a fee.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund. To request a refund, contact Bank of America customer service or log into your account and look for a refund option. Refunds are usually processed within 5 to 7 business days.
Can I schedule a payment for a specific date in the future?
Yes. When you make a payment online or through the app, you can choose a payment date up to 30 days in the future. The payment will post on that date. This is useful if you want to time the payment with when you receive income, but make sure the date is before your due date to avoid a late fee.
What should I do if my payment did not post?
Log into your account and check the payment status. If the payment shows as pending, it will post within one business day. If it shows as failed, you will see a reason — usually an incorrect account number or insufficient funds. Contact Bank of America customer service with your confirmation number to investigate or resubmit the payment.