The fastest way to pay is through the Bank of America website or mobile app, where you can send money the same day or schedule it for a future date
Bank of America offers four main payment methods: online through their website or mobile app, by phone, by mail, or in person at a branch. Most people use the online or app method because it takes five minutes and you see the payment post within one to two business days. If you need the payment to reach them today, the online method processes same-day if you submit before their cutoff time, which is usually 8 p.m. Eastern Time on business days.
You do not need to set up anything in advance to make a one-time payment. You can pay from any bank account you own, even if it is at a different bank. The only information you need is your Bank of America credit card number and the routing and account number of the bank account you are paying from.
Key Takeaways
- Online or mobile app payments are the fastest method and typically post within one to two business days, or same-day if submitted before the evening cutoff.
- You can pay from any bank account at any financial institution, not just a Bank of America account.
- Mail payments take seven to ten business days to arrive, so send them at least that long before your due date to avoid late fees.
- Automatic payments set up through your Bank of America account can be scheduled for your statement due date or any date you choose each month.
- Phone payments are available 24/7 by calling the number on the back of your card, but you will need your card number and the account to pay from.
Paying online or through the mobile app
Go to bankofamerica.com and sign into your account, or open the Bank of America mobile app on your phone. Once logged in, look for "Pay Bill" or "Make a Payment" — the exact wording depends on which version of the site or app you are using. Select your credit card from the list of accounts.
Enter the amount you want to pay and choose the date. If you select today's date and submit before 8 p.m. Eastern Time on a business day, the payment will post the same day. If you submit after that time or on a weekend, it will post the next business day. You can also schedule a payment for any future date up to 365 days away.
Choose which account the payment will come from. Bank of America will ask for the routing number and account number if you are paying from a non-Bank of America account. You can save this account information for future payments so you do not have to enter it each time. Review the details and submit. You will see a confirmation number on screen and receive an email confirmation.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Bank of America account online or through the app and find the "Manage Automatic Payments" or "Autopay" section, usually under settings or account management. Select your credit card and choose the account you want to pay from.
You can set the payment to go out on your statement due date, a fixed date each month that you choose, or a variable amount based on your statement balance. If you choose a fixed date, make sure it is before your due date so the payment arrives on time. You can change or cancel automatic payments at any time through the same menu.
Automatic payments are useful if you want to avoid late fees without thinking about it, but they do not change how much you owe — they just move money from your bank account to your credit card on a schedule you set.
Paying by phone
Call the number on the back of your Bank of America credit card. A representative or automated system will ask for your card number and the amount you want to pay. You will need to provide the routing and account number of the bank account you are paying from, or you can authorize the payment using your Social Security number and date of birth.
Phone payments are available 24 hours a day, seven days a week. There is no fee for paying by phone. The payment will post within one to two business days, the same as online payments. Keep the confirmation number the system gives you.
Paying by mail
Write a check or money order for the amount you owe and include it with the payment coupon from your statement. The coupon shows the address where to send the payment — do not send it to the main Bank of America address, as it will be delayed. Mail payments take seven to ten business days to arrive and post, so send your payment at least that long before your due date.
Include your credit card number on the check or money order so Bank of America can match it to your account. If you do not have a payment coupon, you can find the mailing address on your statement or by calling the number on the back of your card. Paying by mail is slower than other methods and carries the risk that your payment will be lost in transit, so use it only if you cannot pay online or by phone.
Paying in person at a Bank of America branch
You can walk into any Bank of America branch during business hours and pay your credit card balance at the teller window. Bring your credit card or account number and the cash or check you want to pay with. The teller will process the payment when ready, and it will post to your account the same day or the next business day.
This method is useful if you prefer to handle money in person or if you are already at a branch for another reason. However, it is slower than online payment and requires you to be near a branch during their hours, so most people use online or phone payment instead.
What happens if you miss your due date
If your payment does not arrive by your due date, Bank of America will charge a late fee. The fee amount depends on your card terms, but it is typically between $25 and $39 for the first late payment and higher for subsequent ones. A late payment also appears on your credit report and can lower your credit score.
If you realize you will miss your due date, contact Bank of America as soon as possible. Some cardholders have had late fees waived if they call before the due date and explain their situation, though Bank of America is not required to do this. The best approach is to set up automatic payments or calendar reminders so you do not miss a due date in the first place.
Frequently Asked Questions
Can I pay my Bank of America credit card from another bank's account?
Yes. You can pay from any bank account you own, even if it is at a different bank. You will need to provide the routing number and account number of that bank. Bank of America does not charge a fee for this.
How long does it take for a payment to show up?
Online and phone payments typically post within one to two business days. Same-day posting is available if you submit online before 8 p.m. Eastern Time on a business day. Mail payments take seven to ten business days.
Is there a fee to pay my credit card?
No. Bank of America does not charge a fee for any payment method — online, phone, mail, or in person. Some other banks charge fees for certain methods, but Bank of America does not.
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 that Bank of America refund it to your bank account. Contact them to request a refund if you prefer to have the money back.
Can I schedule a payment for a weekend or holiday?
Yes, you can schedule a payment for any date you choose, including weekends and holidays. However, it will not post until the next business day. If your due date falls on a weekend or holiday, Bank of America typically extends the due date to the next business day.