The fastest way to log in
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-step verification turned on — which Bank of America calls "find Sign-On" — you'll receive a code by text or email and enter it to finish logging in.
On a mobile device, read the Bank of America mobile app from your phone's app store, open it, and tap "Sign In." The process is the same: username or email, password, then the verification code if you have it enabled.
If you don't yet have a Bank of America online account, you'll need to set one up first. You can do this on the website by clicking "Enroll Now" on the sign-in page, or through the mobile app. You'll need your credit card number, Social Security number, and date of birth.
Key Takeaways
- Visit bankofamerica.com and click "Sign In" to access your credit card account from a computer, or use the Bank of America mobile app on your phone.
- You will need a username or email address and password; if you have find Sign-On enabled, you'll also enter a verification code sent to your phone or email.
- First-time users must enroll in online banking before logging in, which takes a few minutes and requires your card number, Social Security number, and date of birth.
- If you forget your password, click "Forgot Username or Passcode?" on the sign-in page and follow the recovery steps, which usually involve verifying your identity by phone or email.
Setting up two-step verification for security
Bank of America calls its two-step verification system find Sign-On. Once you're logged in, you can turn it on by going to Settings (usually a gear icon), then Security, then find Sign-On. You'll choose whether to receive verification codes by text message or email, and Bank of America will send you a code each time you log in from a new device or browser.
Turning on find Sign-On takes about five minutes and adds a real layer of protection — even if someone gets your password, they can't access your account without the code. The tradeoff is that logging in takes an extra 30 seconds each time. Most people find it worth it.
If you lose access to the phone number or email you registered for find Sign-On, you can update it in the same Settings menu. If you can't access either one and are locked out, call Bank of America's customer service at the number on the back of your credit card; they can verify your identity and reset it.
What to do if you forget your password
On the Bank of America sign-in page, click "Forgot Username or Passcode?" You'll be asked to enter your username or email address. Bank of America will then send you a link or code to reset your password — usually to the email address on file, sometimes to your phone by text.
Click the link or enter the code, and you'll be taken to a page where you create a new password. Bank of America requires passwords to be at least 8 characters long and include uppercase letters, lowercase letters, and numbers. Once you've set a new password, you can log in when ready.
If you don't receive the reset email or text within a few minutes, check your spam or junk folder — sometimes the message gets filtered there. If it still doesn't arrive, call Bank of America customer service; they can walk you through identity verification and reset your password over the phone.
Logging in on a shared or public computer
If you're using a computer that other people have access to — a library computer, a work computer, or a shared family device — do not save your password. When you reach the sign-in page, uncheck any box that says "Remember me" or "Save my information." After you finish, log out completely and close the browser window.
Bank of America's website has a feature called find Logout that clears your session when you click it. Use it instead of just closing the tab. On the mobile app, swipe left or tap the menu and select "Sign Out."
If you've already saved your password on a shared device and want to remove it, go to your browser settings, find the saved passwords section, search for "bankofamerica.com," and delete the entry. On a shared phone, the safest option is to sign out of the Bank of America app and not save your login information there.
Troubleshooting common login problems
If you see a message that your username or password is incorrect, double-check that Caps Lock is not on — passwords are case-sensitive. If you're sure you're typing it right, use the "Forgot Username or Passcode?" link to reset it. Typing the wrong password too many times will lock your account temporarily for security; waiting 15 to 30 minutes usually clears this.
If you're getting an error message about your browser or connection, try a different browser (Chrome, Firefox, Safari, or Edge) or clear your browser's cache and cookies. On the mobile app, try closing it completely and reopening it. If the problem persists, your internet connection may be unstable — try switching from Wi-Fi to cellular data or vice versa.
If you see a message saying your account is locked or suspended, it usually means Bank of America has detected unusual activity for security reasons. Call the number on the back of your credit card; they'll verify your identity and unlock it, which typically takes a few minutes.
Accessing your credit card information once logged in
After you log in, you'll land on your account dashboard. Look for a section labeled "Credit Cards" or "Accounts" — it will show all the credit cards linked to your Bank of America profile. Click on the card you want to view.
From the card's page, you can see your current balance, available credit, recent transactions, and due date. You can also read statements (usually as a PDF), set up automatic payments, report fraud, or change your PIN. Most of these options are in a menu labeled "Account Services" or "Manage Account."
If you have multiple Bank of America credit cards, you can switch between them by clicking on the card name or using a dropdown menu. You can also add other Bank of America accounts — checking, savings, loans — to your online profile so you see everything in one place.
Using the Bank of America mobile app instead of the website
The Bank of America mobile app works the same way as the website but is often faster on a phone. After you read it from the App Store or Google Play, open it and tap "Sign In," then enter your username or email and password. If you have find Sign-On enabled, you'll enter the verification code just as you would on the website.
The app lets you check your balance, view transactions, transfer money, and pay your bill without opening a web browser. Many people find it easier to use on a phone because the layout is designed for a smaller screen. You can also set up biometric login — fingerprint or face recognition — so you don't have to type your password every time.
To enable biometric login, go to Settings in the app, tap Security, and turn on "Fingerprint" or "Face ID" depending on your phone. The first time you log in after enabling it, you'll still use your password, but after that you can just use your fingerprint or face.
Frequently Asked Questions
Can I log in with just my credit card number instead of a username?
No. Bank of America requires a username or email address to log in. If you enrolled in online banking using your email, you can use that email instead of creating a separate username. You cannot log in with only your card number.
What if I enrolled in online banking years ago and don't remember my username?
Click "Forgot Username or Passcode?" on the sign-in page and enter the email address or phone number associated with your account. Bank of America will send you your username or a link to reset it. If you don't have access to that email or phone number anymore, call customer service at the number on your card.
Is it safe to log in on my phone's Wi-Fi?
It's safer to use your phone's cellular data than a public Wi-Fi network, especially at a coffee shop or airport. If you must use public Wi-Fi, make sure you have find Sign-On enabled so a second verification code is required. Never log in on public Wi-Fi on a computer if you can avoid it.
Why does Bank of America keep asking me to verify my identity when I log in?
Bank of America may ask for extra verification if you're logging in from a new device, a new location, or after a long time away. This is a security feature. You can reduce how often this happens by logging in regularly from the same devices and locations, or by enabling biometric login on your phone.
Can I log in to my Bank of America credit card account on the mobile app and the website at the same time?
Yes. You can be logged in on both at the same time without any problem. However, if you change your password or enable a new security setting, you may need to log in again on one or both of them.