Pay your Bank of America credit card bill online, by phone, by mail, or in person at a branch
Bank of America offers four main ways to pay your credit card bill: through their online portal or mobile app, by calling their payment line, by mailing a check, or by visiting a branch in person. The fastest and most common method is online through your account dashboard, where you can pay when ready or schedule a payment for a future date. If you prefer not to log in each time, you can also set up automatic payments so your bill is paid on a schedule you choose.
Each method has different timing and confirmation details. Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days to reach Bank of America and post to your account. In-person payments at a branch are when ready. Knowing which method works for your situation and when to use it prevents late fees and keeps your account in good standing.
Key Takeaways
- Online payment through your Bank of America account or mobile app is the fastest method and posts within one business day.
- You can pay from a Bank of America checking or savings account, or from an external bank account you have linked to your card.
- Automatic payments remove the need to remember your due date and can be set to pay your full statement balance or a fixed amount each month.
- Mailed checks take 7 to 10 business days to post, so mail payments at least 10 days before your due date to avoid a late fee.
- Phone payments and in-person branch payments are available if you cannot or prefer not to use online methods.
Pay online through your Bank of America account
Log into your Bank of America account at bankofamerica.com or open the Bank of America mobile app. Select your credit card from the list of accounts. Look for a "Make a Payment" or "Pay Now" button, usually displayed prominently on the account overview page.
Choose the amount you want to pay. You can pay your full statement balance, the minimum payment, or any amount in between. Select the date you want the payment to be made — you can pay when ready or choose a date up to 30 days in the future. Choose the account the payment will come from: a Bank of America checking or savings account, or an external bank account you have already linked to your credit card.
Review the payment details and confirm. You will receive a confirmation number on screen and by email. The payment will post to your credit card account within one business day if you pay from a Bank of America account, or within one to three business days if you pay from an external bank account.
Set up automatic payments to pay on a schedule
Automatic payments remove the need to remember your due date each month. Log into your Bank of America account and go to your credit card. Look for "Autopay" or "Automatic Payments" in the account settings or payment section.
Choose how much you want to pay automatically each month: your full statement balance, your minimum payment, or a fixed dollar amount. Select the date each month when the payment should be made — this is usually best set for a few days before your statement due date. Choose which account the payment will come from.
Confirm your automatic payment setup. You can change or cancel automatic payments at any time by logging back into your account. Bank of America will send you a reminder email before each automatic payment is processed.
Pay by phone with Bank of America customer service
Call Bank of America's credit card payment line at 1-800-435-7000. Have your credit card number and the account you want to pay from ready. A representative will ask you to confirm your identity, usually by providing your Social Security number or other account details.
Tell the representative the amount you want to pay and the account the payment will come from. You can pay from a Bank of America account or an external bank account. The representative will confirm the payment details and give you a confirmation number. Phone payments post within one business day.
This method is useful if you have questions about your account or need help setting up a payment, but it takes longer than paying online. If you are calling close to your due date, confirm with the representative that the payment will post in time to avoid a late fee.
Mail a check to Bank of America
Write a check for the amount you want to pay. On the memo line, write your credit card number so Bank of America knows which account to credit. Include a payment stub from your statement if you have one — this helps the bank match the payment to your account faster.
Mail your check to the address listed on your statement or on Bank of America's website. Do not mail to a branch address; use the specific payment processing address provided by the bank. Mail payments take 7 to 10 business days to arrive and post to your account, so mail your payment at least 10 days before your due date to avoid a late fee.
Keep a record of when you mailed the check. If you are concerned the payment did not arrive, log into your account after 10 business days to confirm it has posted. If it has not, contact Bank of America to report the missing payment.
Pay in person at a Bank of America branch
Visit any Bank of America branch during business hours with your credit card or account number and the payment amount in cash or check. A teller will process your payment when ready and give you a receipt. In-person payments post to your account the same day.
This method is fastest if you need to pay urgently and cannot use online or phone methods. Bring a valid ID and have your account information ready. If you are paying by check, the teller will handle it the same way as a mailed check, so confirm with them that it will post in time if you are close to your due date.
Link an external bank account to make payments easier
If you want to pay from a checking or savings account at another bank, you can link that account to your Bank of America credit card. Log into your Bank of America account and go to your credit card settings. Look for "Linked Accounts," "External Accounts," or "Add Account" in the payment or settings section.
Enter your external bank's routing number and your account number. Bank of America will verify the account by making two small deposits (usually under $1 each) to that account. Check your external bank account for these deposits, usually within 1 to 2 business days. Log back into Bank of America and confirm the deposit amounts to complete the link.
Once linked, you can pay from that external account whenever you make a payment online or by phone. This is useful if you want to pay from your primary checking account at a different bank without having to transfer money to Bank of America first.
Frequently Asked Questions
What time of day do online payments post to my account?
Bank of America processes online payments throughout the day. Payments made before 11:59 p.m. Eastern Time typically post within one business day. If you pay on a weekend or holiday, the payment will post on the next business day. Check your account the next morning to confirm the payment has posted.
Can I pay my Bank of America credit card from another bank's app?
Yes, if your other bank allows bill pay to external accounts. Set up Bank of America's payment address in your other bank's bill pay system using the address from your statement. Payments sent this way take 3 to 5 business days to post, so send them well before your due date.
What happens if I miss my due date?
Bank of America will charge a late fee, usually $25 to $35 depending on your card and account history. Your interest rate may also increase. If you miss a payment, pay as soon as you can. Contact Bank of America if you have questions about the fee or your account.
Can I pay more than my statement balance?
Yes, you can pay any amount up to your full account balance. Paying more than your statement balance creates a credit on your account that will reduce your next month's bill or can be refunded to you if you close the card.
Is there a fee to pay my credit card bill?
No, Bank of America does not charge a fee for any of these payment methods. Online, phone, mail, and in-person payments are all free.