The fastest way to pay is through the Bank of America website or mobile app, where you can send money from a linked bank account in minutes
Bank of America offers five main payment methods: online through their website, through the mobile app, by phone, by mail, and in person at a branch. Most people use the website or app because the payment posts within one business day and you can schedule it in advance. You will need your credit card number and the bank account you want to pay from. If you do not have online access set up yet, you can create it at bankofamerica.com using your Social Security number and card details.
The payment amount is up to you — you can pay the full balance, the minimum payment shown on your statement, or any amount in between. Bank of America does not charge a fee for any of these payment methods, though your own bank may charge a fee if you are paying from an account at a different bank.
Key Takeaways
- Online and mobile app payments post within one business day and can be scheduled in advance at no cost.
- Phone payments are available 24/7 by calling the number on the back of your card, and the payment posts the next business day.
- Mail payments take 7 to 10 business days to arrive and post, so send them at least two weeks before your due date.
- In-person payments at a Bank of America branch post when ready but are only practical if you have a branch nearby.
- Setting up automatic payments prevents missed due dates, though you should check your account monthly to confirm the payment went through.
Paying online or through the mobile app
Log into your Bank of America account at bankofamerica.com or open the mobile app. From the credit card account page, select "Make a payment" or "Pay now." Enter the amount you want to pay and choose the bank account the money will come from. You can pay when ready or schedule the payment for a future date — useful if you want to time it with your paycheck or may support it posts before your due date.
Bank of America allows you to schedule payments up to 365 days in advance. If you schedule a payment and then change your mind, you can cancel it up to the business day before it is set to post. The payment will show as pending in your account right away and will post as completed the next business day.
Paying by phone
Call the number on the back of your credit card. A representative will ask for your card number and the amount you want to pay, then confirm the bank account the payment will come from. You can also set up automatic payments by phone. The payment posts the next business day, and there is no fee.
Phone payments are available 24 hours a day, 7 days a week. If you are calling from outside the United States, check your statement for the international phone number, as the standard number may not work from abroad.
Paying by mail
Write a check or money order payable to Bank of America. Include your credit card number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from your billing address and is used only for payments. Do not mail payments to your billing address.
Mail payments take 7 to 10 business days to arrive and post to your account. Send your payment at least two weeks before your due date to avoid a late fee. If you are paying close to the due date, use online, mobile, or phone payment instead. Keep a record of the check number and the date you mailed it in case you need to track the payment later.
Paying in person at a Bank of America branch
Visit any Bank of America branch with your credit card or account number and the amount you want to pay in cash or check. The teller will process the payment when ready, and it will post to your account the same day. This method is fastest if you need the payment to post right away, but it only works if you have a branch location nearby and are available during business hours.
You do not need an appointment. Bring a photo ID and your credit card or a piece of mail showing your account number. Some branches may have different hours, so check the branch locator on bankofamerica.com before you go.
Setting up automatic payments
Automatic payments deduct money from your bank account on a date you choose each month. You can set them up through the website, app, or by phone. Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Bank of America will send you a reminder email a few days before the payment posts.
Automatic payments are useful for avoiding missed due dates, but you should still check your account monthly to confirm the payment went through. If your balance changes unexpectedly or your bank account does not have enough money, the payment may fail. If a payment fails, you will receive a notice and can try again using a different payment method.
What to do if you miss a payment
If you miss your due date, Bank of America will charge a late fee — the amount depends on your card terms but is usually between $25 and $35 for the first late payment. Your interest rate may also increase. If you realize you have missed a payment, make one as soon as possible through any of the methods above.
If you are having trouble making payments, contact Bank of America at the number on your statement to discuss options. They may be able to adjust your due date, lower your interest rate temporarily, or set up a payment plan. The sooner you reach out, the more options you may have.
Frequently Asked Questions
How long does it take for a payment to post?
Online and mobile payments post within one business day. Phone payments post the next business day. Mail payments take 7 to 10 business days. In-person payments at a branch post the same day. "Business day" means Monday through Friday, excluding federal holidays.
Can I pay my Bank of America credit card from another bank's account?
Yes. You can link an account from any U.S. bank to your Bank of America credit card and pay from it online or through the app. Your own bank may charge a fee for outgoing transfers, so check your account terms. Phone and mail payments also work from any bank account.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund of the overpayment by calling the number on your card, though the refund may take several business days to arrive.
Is there a maximum amount I can pay online?
Bank of America does not publish a daily or monthly payment limit on their website. If you try to pay an unusually large amount, the system may flag it for fraud review. If this happens, call the number on your card to confirm the payment and try again.
Can I set up a payment if I do not have online access yet?
Yes. You can pay by phone or mail without setting up an online account. To use the website or app, create an account at bankofamerica.com using your Social Security number and card details, or call the number on your card and ask a representative to help you set it up.