The fastest way to pay is through your Bank of America online account or mobile app
Bank of America lets you pay your credit card bill from your checking or savings account using their website, mobile app, or by phone. You can make a payment the same day you initiate it, or schedule one for a future date. The payment goes directly from your bank account to your credit card account — no checks, no fees, no waiting.
If you have a Bank of America checking or savings account, you're already set up to pay. If you bank elsewhere, you can still pay through Bank of America's system, but the process takes longer and requires your routing number and account details.
Key Takeaways
- Pay through your Bank of America account online, the mobile app, or by calling 1-800-CALL-BOA to avoid fees and delays.
- Same-day payments post when ready if you submit before the cutoff time (usually 8 p.m. ET on business days); scheduled payments take one to three business days.
- You can set up automatic payments to your minimum due, statement balance, or a fixed amount so you never miss a due date.
- Payments from outside banks take three to five business days and require your routing and account number, so plan ahead if you use this method.
- Your payment due date is printed on your statement; paying after that date triggers a late fee, even if the payment posts within the grace period.
Paying online through your Bank of America account
Log into your Bank of America account at bankofamerica.com or open the mobile app. Navigate to your credit card account and select "Make a Payment" or "Pay Now." Choose the bank account you want to pay from, enter the amount, and pick your payment date. If you submit before 8 p.m. ET on a business day, the payment posts the same day. If you submit after 8 p.m. or on a weekend, it posts the next business day.
You can pay any amount from $1 up to your full balance. Bank of America does not charge a fee for payments made this way. The payment appears on your credit card statement within one business day, and your available credit updates when ready.
Setting up automatic payments so you never miss a due date
Automatic payments remove the risk of forgetting. In your Bank of America account, go to "Manage Automatic Payments" under your credit card settings. You can choose to pay your minimum due, your full statement balance, or a fixed amount each month. Pick the date the payment should go out — most people choose a few days before the due date to may support it posts on time.
Automatic payments process on the same schedule as manual payments: same-day if submitted before 8 p.m. ET on a business day, next business day otherwise. You can change or cancel an automatic payment anytime before it processes. If your balance is zero, the automatic payment does not go through.
Paying by phone or through a third-party bank
Call Bank of America at 1-800-CALL-BOA (1-800-225-5262) to pay over the phone. Have your credit card number and the bank account you want to pay from ready. Same-day payments are available if you call before 8 p.m. ET on a business day. There is no fee for phone payments.
If you want to pay from a checking or savings account at another bank, you can set that up through Bank of America's website under "Pay from Another Bank." Enter your routing number and account number. These payments take three to five business days to post, so submit them well before your due date. Bank of America does not charge a fee, but your own bank may charge a fee for outgoing transfers — check your bank's policy first.
Understanding due dates and late fees
Your credit card statement shows a due date — this is the date by which your payment must arrive at Bank of America, not the date you submit it. If you pay after the due date, Bank of America charges a late fee, typically $25 to $35 for the first late payment and up to $39 for subsequent ones within six months. A late payment also reports to credit bureaus and can raise your interest rate.
Same-day payments post when ready, so if you pay before 8 p.m. ET on your due date, you're on time. Scheduled payments and payments from other banks take longer, so submit them at least three to five business days early. If you miss the due date, call Bank of America as soon as possible — they may waive the fee if it's your first late payment and you have a good payment history.
What to do if you can't pay the full balance
You can pay any amount, including just the minimum due. Your minimum due is listed on your statement and is usually 1 to 3 percent of your balance. Paying only the minimum keeps your account in good standing and avoids a late fee, but you'll pay interest on the remaining balance at your card's annual percentage rate (APR).
If you're struggling to pay, contact Bank of America before your due date. They may offer a hardship program, a temporary lower payment plan, or a reduced interest rate depending on your situation. Calling ahead is better than missing a payment, which damages your credit and triggers fees.
Payment methods you should avoid
Do not send a check through the mail unless you have no other option. Mail takes five to seven business days, and if it arrives after your due date, you'll be charged a late fee. Bank of America's mailing address for payments is on your statement, but online and phone payments are faster and safer.
Do not use a credit card to pay another credit card. Most credit card companies treat this as a cash advance, which charges a higher interest rate and an upfront fee. If you're juggling multiple cards, pay each one from your bank account or ask about a balance transfer to a card with a lower rate.
Frequently Asked Questions
Can I pay my Bank of America credit card bill from a different bank's account?
Yes. Go to bankofamerica.com, select "Pay from Another Bank," and enter your routing number and account number. The payment takes three to five business days to post, so submit it well before your due date. Bank of America charges no fee, but your bank may charge an outgoing transfer fee.
What time does Bank of America stop accepting same-day payments?
Same-day payments must be submitted before 8 p.m. ET on a business day. Payments submitted after 8 p.m. or on weekends post the next business day. Check your statement or account for the exact cutoff time, as it may vary slightly.
If I schedule a payment for my due date, will it post on time?
No. Scheduled payments take one to three business days to post. If you schedule a payment for your due date, it will likely post after the due date and trigger a late fee. Schedule payments at least three to five business days before your due date.
Can I set up automatic payments to pay only the minimum?
Yes. In your Bank of America account, select "Manage Automatic Payments" and choose "Minimum Due." The payment processes on your chosen date each month. You can change the amount or cancel anytime before the payment processes.
What happens if I pay after the due date?
Bank of America charges a late fee (typically $25 to $39) and reports the late payment to credit bureaus, which can lower your credit score and raise your interest rate. If it's your first late payment and you have good payment history, call Bank of America to ask if they'll waive the fee.