The fastest way to access your Bank of America credit card account
Go to bankofamerica.com and click "Sign In" in the top right corner. Enter your username or the email address tied to your account, then your password. If you have two-factor authentication turned on — which Bank of America calls "find Verification" — you'll receive a code by text or email and enter it to finish logging in.
The entire process takes about two minutes if you remember your password. If you don't, the "Forgot username or password?" link on the sign-in page will walk you through recovery using your Social Security number and other identifying information.
You can also sign in through the Bank of America mobile app, available on iOS and Android. The steps are the same: username or email, password, then the verification code if you have it enabled.
Key Takeaways
- Bank of America credit card sign-in happens at bankofamerica.com or through the official mobile app, not through a third-party website.
- You'll need your username or email address and password; two-factor authentication adds a verification code step that takes less than a minute.
- If you forget your password, use the "Forgot username or password?" link and verify your identity with your Social Security number.
- Once signed in, you can view your balance, recent transactions, due date, and minimum payment in one place.
What you can do once you're signed in
After you log in, your account dashboard shows your current balance, available credit, and recent purchases. You can also see your statement, payment due date, and minimum payment amount. Most people log in to check one of these three things: whether a charge posted, what they owe, or when the payment is due.
The account also lets you set up automatic payments, change your password, update your mailing address, and read statements as PDFs. If you have multiple Bank of America accounts — checking, savings, or other credit cards — you can switch between them without logging out.
If you don't have a username yet
When you first open a Bank of America credit card, the bank sends you a temporary password in the mail along with your card. You use that password to create a permanent username and password on your first sign-in. If you've lost that temporary password or never received it, call Bank of America at the number on the back of your card and ask them to send a new one or reset your account.
You can also visit a Bank of America branch in person with your ID and card, and a representative can help you set up online access on the spot.
Two-factor authentication and security
Bank of America's find Verification system sends a one-time code to your phone or email each time you sign in from a new device or browser. This adds a few seconds to the login but makes it much harder for someone else to access your account even if they have your password.
You can turn this on or off in your account settings under "Security." Most people leave it on because the extra step is small compared to the protection it gives. If you lose access to the phone number or email address you registered, contact Bank of America customer service to update it before you need to sign in.
What to do if you're locked out
Bank of America locks your account temporarily after several wrong password attempts. If this happens, you'll see a message telling you to try again later or use the password recovery option. Wait at least 15 minutes, then try again or use "Forgot username or password?" to reset it.
If you're locked out and can't recover your password through the website, call the customer service number on the back of your card. They can verify your identity and either reset your password or unlock your account so you can reset it yourself.
Signing in on a shared or public computer
If you're using someone else's computer or a public device like a library computer, do not save your username or password when the browser asks. After you finish, sign out completely and clear your browser history. Bank of America's website will prompt you to sign out if you've been inactive for a certain amount of time, but it's safer to do it yourself.
The mobile app is generally safer for shared devices because you can lock it with your phone's fingerprint or face recognition, and it signs out more aggressively when you close it.
Frequently Asked Questions
Can I sign in with my Social Security number instead of a username?
No. Bank of America requires a username or the email address tied to your account. If you've forgotten your username, use the password recovery tool to reset both your username and password at the same time.
Why does Bank of America keep asking me to verify my identity?
This is find Verification, Bank of America's two-factor authentication. It triggers when you sign in from a new device, browser, or location. You can turn it off in your security settings, but most people leave it on because it protects against unauthorized access.
What if I'm trying to sign in but the website won't load?
Try clearing your browser's cache and cookies, then refresh the page. If the site still won't load, try a different browser or the mobile app. If neither works, Bank of America may be performing maintenance — check their social media or call customer service to confirm.
Can I sign in to someone else's Bank of America credit card account?
No. Each account has its own username and password. If you're an authorized user on someone else's card, you'll need your own login credentials, which the primary account holder can request from Bank of America.