Bank of America’s main customer service number is 1-800-432-1000, available 24/7 for checking, savings, and general banking. For credit cards, call 1-800-732-9194, also available 24/7. Bank of America operates about 3,800 branches and 15,000 ATMs nationwide.
Bank of America Customer Service Numbers
| Service | Phone Number | Hours |
|---|---|---|
| General banking | 1-800-432-1000 | 24/7 |
| Credit cards | 1-800-732-9194 | 24/7 |
For specialized department numbers (mortgage, auto loans, small business), see Bank of America’s contact page.
How to Reach a Live Person at Bank of America
Call 1-800-432-1000 and say “representative” at each prompt, or press 0 repeatedly. For credit cards, call 1-800-732-9194 and follow the same steps. Have your account number and Social Security number ready — you will need them before an agent can assist.
What to Have Ready Before You Call
- Account or card number
- Last four digits of your Social Security number
- Recent transaction details (if disputing a charge)
Use the App Instead of Calling
The Bank of America mobile app includes Erica, a virtual assistant that handles account questions without hold time:
- Lock or unlock a card instantly
- Dispute a transaction (tap the transaction → “Dispute this transaction”)
- Make transfers and payments
- Chat with Erica for account questions
For more on Bank of America accounts and fees, see the Bank of America guide, fees, and routing number.
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