How to sign into your Bank of America credit card account online
To sign into 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 need to enter it to complete sign-in.
If you don't have an online account yet, you'll need to create one before you can view your card. Click "Enroll Now" instead of "Sign In" and follow the steps to set up a username and password. You'll need your Social Security number, card number, and a valid email address. The enrollment process takes about five minutes.
Once you're signed in, your credit card account appears under "Credit Cards" in the left menu. From there you can see your balance, recent transactions, due date, and minimum payment. You can also set up automatic payments, read statements, and change your account settings.
Key Takeaways
- Bank of America credit card sign-in happens at bankofamerica.com using your username or email and password.
- Two-factor authentication requires you to enter a code sent to your phone or email before you can access your account.
- If you don't have an online account, you must create one using your Social Security number and card number.
- Once signed in, you can pay your bill, view transactions, read statements, and change account settings from your dashboard.
- If you forget your password, use the "Forgot Username or Password?" link on the sign-in page to reset it by email or text.
What to do if you can't remember your username or password
Click "Forgot Username or Password?" on the Bank of America sign-in page. You'll be asked to enter your card number and Social Security number to verify your identity. Bank of America will then send you a reset link by email or text, depending on which method you choose.
The reset link works for 24 hours. Click it and create a new password. Your password must be at least 8 characters long and include at least one uppercase letter, one lowercase letter, one number, and one special character (like ! or #). If you don't reset your password within 24 hours, you'll need to start the process again.
Setting up two-factor authentication
Two-factor authentication adds a security layer by requiring a second form of identification when you sign in. Bank of America calls this "find Verification." To turn it on, sign into your account, go to "Settings," then "Security," and select "find Verification." Choose whether you want to receive codes by text message or email.
Once you turn on find Verification, you'll receive a code every time you sign in from a new device or browser. You have 10 minutes to enter the code. If you sign in from the same device repeatedly, Bank of America may remember it and not ask for a code each time, but the code will still be required if you sign in from a different device or after clearing your browser's cookies.
Signing in on the Bank of America mobile app
read the Bank of America mobile app from the Apple App Store or Google Play Store. Open the app and tap "Sign In." Enter your username or email and password, then complete any two-factor authentication if you have it turned on. The mobile app works the same way as the website.
The mobile app lets you check your balance, make payments, view recent transactions, and deposit checks by taking a photo. Some features, like changing your password or updating your address, may only be available on the website version. If you run into a feature that isn't in the app, sign in through bankofamerica.com instead.
What to do if your account is locked
Bank of America locks your account temporarily if you enter the wrong password too many times. The lock usually lasts 24 hours. You can unlock it sooner by calling Bank of America's customer service at the number on the back of your card and verifying your identity with your Social Security number and card number.
If you see a message saying your account is locked for security reasons, it may mean Bank of America detected unusual activity. Call the number on your card to confirm it's really you trying to sign in. They may ask you to verify recent transactions or update your contact information before unlocking your account.
Troubleshooting common sign-in problems
If you see an error message saying "Username or password is incorrect," double-check that you're entering them exactly as you set them up. Passwords are case-sensitive, so "MyPassword" is different from "mypassword." If you're still stuck, use the "Forgot Username or Password?" link to reset.
If the website won't load or keeps timing out, try clearing your browser's cache and cookies, then sign in again. You can also try a different browser or device. If the problem continues, the Bank of America website may be down for maintenance. Check the Bank of America social media accounts or call customer service to confirm.
If you're on a public Wi-Fi network, you may have trouble signing in because of the network's security settings. Switch to a private network or use your phone's mobile data instead. Never sign into your credit card account on public Wi-Fi unless you're using a VPN.
Frequently Asked Questions
Can I sign into my Bank of America credit card account without creating a username?
No. Bank of America requires you to create an online account with a username or use your email address as your login. You can't access your account without one. If you've never created an account, go to bankofamerica.com and click "Enroll Now" to set one up.
What should I do if I see a suspicious sign-in attempt on my account?
Call Bank of America when ready at the number on the back of your card. Do not ignore the alert. They can review the sign-in attempt, lock your account if needed, and help you change your password. If fraudulent charges appear, report them right away so Bank of America can dispute them.
Can I use my Bank of America username to sign into other banks' websites?
No. Your Bank of America username and password only work on bankofamerica.com and the Bank of America mobile app. Other banks have their own separate sign-in systems. Never enter your Bank of America credentials on any website other than Bank of America's official site.
How do I sign out of my Bank of America account?
Click "Sign Out" in the top right corner of the website or in the menu of the mobile app. Always sign out when you're done, especially if you're using a shared or public computer. Signing out closes your session and prevents someone else from accessing your account.
What if I forgot the email address I used to create my Bank of America account?
Call Bank of America customer service at the number on the back of your card. They can look up your account using your card number and Social Security number, confirm the email on file, and help you reset your password or update your email address.