Bank of America credit card payments go to the card's billing address, not a branch, and you have four main routes: online through your account, by phone, by mail, or in person at an ATM or branch.

The fastest and most common method is online through your Bank of America account or mobile app — the payment posts the same day if you submit it before the cutoff time, which is usually 8 p.m. Eastern. By phone, you call the number on the back of your card and speak to a representative who processes the payment while you wait. By mail, you send a check to the address printed on your statement, though this takes 7 to 10 business days to reach the bank and post to your account. In person, you can pay at any Bank of America ATM or branch with your card and PIN, or hand cash or a check to a teller.

The method you choose affects when the payment shows up and whether you incur fees. Online and phone payments are free. Mail and in-person payments are also free, but the timing is slower and the risk of late fees is higher if you wait until close to your due date.

Key Takeaways

  • Online payments through your Bank of America account or app post the same day if submitted before 8 p.m. Eastern and are free.
  • Phone payments are processed immediately when you call the number on your card, but you should confirm the payment amount and date before hanging up.
  • Mail payments take 7 to 10 business days to arrive and post, so sending a check close to your due date risks a late fee.
  • In-person payments at a Bank of America branch or ATM are free and immediate, but require you to visit a location during business hours.
  • Late fees apply if your payment does not post by 11:59 p.m. Eastern on your due date, regardless of which method you use.

Paying online through your account or app

Log into your Bank of America account on the website or open the mobile app, navigate to the credit card account, and select "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose the date you want the payment to post; if you select today, it posts the same day if submitted before 8 p.m. Eastern, and if you select a future date, it posts on that date as long as it is not a weekend or holiday.

Review the payment details on the confirmation screen, including the card number, amount, and posting date. Do not close the browser or app until you see a confirmation number. Take a screenshot or write down the confirmation number for your records. The payment is not complete until you see this confirmation.

If you set up automatic payments through your account, Bank of America will deduct the amount you choose — minimum payment, full balance, or a fixed amount — on the date you select each month. You can change or cancel automatic payments anytime through your account settings.

Paying by phone

Call the number on the back of your credit card. A representative will ask for your card number, the last four digits of your Social Security number, and the amount you want to pay. Tell them the date you want the payment to post. They will read back the details and ask you to confirm before processing.

Phone payments are free and process immediately, but you have no written record unless you ask the representative for a confirmation number. Write down the confirmation number, the date you called, the amount, and the posting date. If you do not receive a confirmation number, ask for one before ending the call.

Phone payments are useful if you have questions about your account or if you prefer speaking to a person, but they take longer than online payments because you have to wait for a representative to pick up.

Paying by mail

Write a check payable to Bank of America and include your account number on the check. Place the check in an envelope with the payment coupon from your statement — the coupon has the mailing address and your account number printed on it. If you do not have a coupon, write your account number on the envelope so the bank can match the payment to your account.

Mail the check to the address on your statement. Do not mail it to a branch address or a general Bank of America address; use only the address printed on your billing statement. The payment takes 7 to 10 business days to arrive and post to your account. If your due date is within 10 days, do not use mail; use online or phone payment instead to avoid a late fee.

Keep a copy of the check or a photo of it for your records. If the payment does not post within 10 business days, contact Bank of America with your check number and mailing date.

Paying in person at a branch or ATM

At a Bank of America branch, go to a teller and tell them you want to make a credit card payment. Bring your card or account number and the amount you want to pay in cash or as a check. The teller will process the payment immediately and give you a receipt. Keep the receipt as proof of payment.

At a Bank of America ATM, insert your card and select "Make a Payment" or "Pay My Credit Card." Enter your PIN and the amount you want to pay. The ATM will accept cash or a check. The payment posts immediately. Take a photo of the confirmation screen or the receipt the ATM prints.

In-person payments are useful if you prefer handling money in person or if you have questions a teller can answer. However, you can only pay during branch hours, and ATM payments may have limits on the amount you can pay in a single transaction.

Understanding payment posting times and due dates

Your payment posts — meaning it shows up on your account and reduces your balance — on the date you select, as long as that date is a business day. If you select a weekend or holiday, the payment posts on the next business day. Bank of America considers 11:59 p.m. Eastern on your due date as the deadline; if your payment posts after that time, it is late and may trigger a late fee.

Online and phone payments submitted before 8 p.m. Eastern post the same day. Mail and in-person payments post on the day they are received and processed by the bank, which can take several business days. If you are close to your due date, do not rely on mail or in-person payment; use online or phone instead.

Your due date is printed on your statement and shown in your online account. It is usually 21 to 25 days after your statement closing date. If you miss your due date, Bank of America charges a late fee, which varies based on your card type and account history. Late payments also report to credit bureaus and can lower your credit score.

What to do if your payment does not post

If you made an online or phone payment and it does not post within one business day, log into your account and check the payment status. Online payments show a status of "Pending," "Posted," or "Failed." If the status is "Failed," the payment was not processed; you will need to make the payment again. If the status is "Pending," wait one more business day.

If you mailed a check and it does not post within 10 business days, contact Bank of America with your check number, the amount, and the date you mailed it. Have your statement or a photo of the check available. The bank can trace the check and confirm whether it was received and processed.

If you made an in-person payment and did not receive a receipt, contact the branch or ATM location where you made the payment. Bring your card and the date and time you made the payment. The bank can look up the transaction in their system.

Frequently Asked Questions

Can I pay my Bank of America credit card with a debit card or another bank's account?

No. Bank of America credit card payments must come from a Bank of America account, a check, cash, or a wire transfer. You cannot pay with a debit card from another bank or by transferring funds from another bank's account. If you want to transfer money from another bank to pay your credit card, you must first move the money into a Bank of America checking or savings account, then pay from there.

What happens if I pay more than I owe?

The extra amount becomes a credit on your account. You can use the credit toward future purchases, or you can request a refund by calling the number on your card. Bank of America will mail a check or transfer the money back to your bank account, which takes 5 to 7 business days.

Can I set up a payment for a date after my due date?

Yes, but you will be charged a late fee if the payment does not post by 11:59 p.m. Eastern on your due date. If you know you cannot pay by your due date, contact Bank of America before the due date to discuss options. Do not wait until after the due date to make the payment.

Is there a limit on how much I can pay at one time?

Online payments have no stated limit, but very large payments may trigger fraud detection and require you to verify the transaction. Phone and in-person payments also have no stated limit. ATM payments may have daily or per-transaction limits depending on your account type; check your account settings or ask a teller.

Do I need to pay the full balance, or can I pay just the minimum?

You can pay any amount between the minimum payment and your full balance. The minimum payment is printed on your statement. Paying only the minimum keeps your account in good standing and avoids a late fee, but you will be charged interest on the remaining balance. Paying more than the minimum reduces the interest you owe.