Bank of America’s main customer service number is 1-800-432-1000, available 24/7 for checking, savings, and general banking questions. For credit card issues, use the dedicated line 1-800-732-9194. This guide covers every phone number, contact method, and shortcut for reaching a live person quickly.
See the Bank of America complete guide for accounts, fees, ATM limits, and routing numbers.
Bank of America Phone Numbers
Bank of America separates customer service by product type. Using the right number from the start prevents transfers and gets you to someone who can actually help with your specific issue.
Main Customer Service Lines
| Service | Phone Number | Hours |
|---|---|---|
| General Banking | 1-800-432-1000 | 24/7 |
| Credit Cards | 1-800-732-9194 | 24/7 |
| Lost/Stolen Debit Card | 1-800-432-1000 | 24/7 |
| Lost/Stolen Credit Card | 1-800-732-9194 | 24/7 |
| Report Fraud | 1-800-432-1000 | 24/7 |
Specialized Departments
For mortgages, auto loans, or investment accounts, these direct numbers connect you with specialists who handle those products daily.
| Department | Phone Number | Hours (ET) |
|---|---|---|
| Mortgage | 1-800-669-6607 | M–F 8AM–10PM, Sa 8AM–5PM |
| Home Equity | 1-800-779-3894 | M–F 8AM–9PM |
| Auto Loans | 1-800-215-6195 | M–F 8AM–9PM, Sa 9AM–6PM |
| Small Business | 1-800-688-6086 | M–F 7AM–10PM, Sa 8AM–5PM |
| Investments / Merrill | 1-800-637-7455 | M–F 8AM–10PM, Sa 8AM–5PM |
| Private Bank | 1-800-446-0135 | M–F 8AM–5PM |
| Preferred Rewards | 1-800-446-0135 | M–F 8AM–5PM |
| Wire Transfers | 1-800-432-1000 | 24/7 |
For transfer limits on ACH and wires, see Bank of America transfer limits 2026.
Spanish Language Support
| Service | Phone Number |
|---|---|
| General Banking (Spanish) | 1-800-688-6086 |
| Credit Cards (Spanish) | 1-800-688-6086 |
International Callers
| Location | How to Call |
|---|---|
| From outside US | 1-315-724-4022 (collect calls accepted) |
| TTY/TDD | 1-800-286-2025 |
How to Reach a Live Person at Bank of America
Bank of America’s phone system uses voice recognition. Saying “representative” repeatedly genuinely works — the system is designed to escalate to a human when it detects repeated requests.
Step-by-Step Phone Navigation
| Step | Action |
|---|---|
| 1 | Call 1-800-432-1000 |
| 2 | Say “representative” clearly |
| 3 | Repeat “representative” at each prompt |
| 4 | Enter your account number or SSN when asked |
| 5 | Wait for agent |
Alternative shortcuts:
- Press 0 at each menu
- Say “I want to speak with someone”
- Stay silent through prompts (system will escalate)
Best Times to Call Bank of America
| Day / Time | Expected Wait |
|---|---|
| Tuesday–Thursday 8–9 AM ET | 5–15 minutes |
| Wednesday mid-morning | 5–10 minutes |
| Monday morning | 20–40 minutes |
| Friday afternoon | 15–30 minutes |
| First week of month | Longer (statement questions) |
What to Have Ready
| Document | Purpose |
|---|---|
| Account number | Verification |
| Last 4 of SSN | Identity confirmation |
| Debit or credit card number | Additional verification |
| Online banking username | Account lookup |
| Recent transaction details | If disputing a charge |
Bank of America Contact Options Beyond Phone
Many BofA customers don’t realize how much they can accomplish without calling. The mobile app and online banking portal handle most routine requests, and Erica — BofA’s AI assistant — can answer questions about your balance, recent transactions, and payment due dates instantly.
Bank of America Mobile App
| Feature | How to Access |
|---|---|
| Erica (virtual assistant) | Tap Erica icon |
| Schedule branch appointment | Locations → Schedule |
| Secure messaging | Help → Contact us |
| Lock or unlock cards | Card settings |
| Dispute a transaction | Transaction → Report |
Erica handles: balance inquiries, transaction searches, bill payments, transfers, spending insights, and basic troubleshooting. For complex issues the app lets you schedule a callback.
Secure Message Center
| Best For | Response Time |
|---|---|
| Non-urgent questions | 1–2 business days |
| Document requests | 2–3 business days |
| Follow-up on existing issues | 1–2 business days |
| Account changes | 1–3 business days |
How to access: Log in at bankofamerica.com → Help & Support → Contact Us → Send a message
Branch Visits
For situations that require in-person help — large cash withdrawals, notarized documents, safe deposit boxes — visit any of BofA’s 3,800+ financial centers. Check Bank of America branch hours before heading out; most locations are open Monday–Friday 9 AM–5 PM and Saturday 9 AM–1 PM, closed Sundays.
Social Media
| Platform | Handle | Response Time |
|---|---|---|
| Twitter/X | @BofA_Help | 1–4 hours (business hours) |
| Bank of America | 1–24 hours |
Note: Never share account numbers or SSNs publicly. They will direct you to a secure channel.
Common Issues and Which Number to Call
Account Issues
| Issue | Number | Navigation Tip |
|---|---|---|
| Unauthorized transaction | 1-800-432-1000 | Say “fraudulent charge” |
| Account locked | 1-800-432-1000 | Say “locked account” |
| Overdraft fees | 1-800-432-1000 | Say “overdraft” |
| Direct deposit questions | 1-800-432-1000 | Say “direct deposit” |
| Close account | 1-800-432-1000 | Say “close account” |
| Order checks | 1-800-432-1000 | Say “order checks” |
When calling about overdraft fees, many agents have discretion to waive one fee per year for accounts in good standing — ask directly. For the full fee schedule, see the Bank of America fees guide. For direct deposit setup instructions and routing numbers, see Bank of America direct deposit 2026.
Card Issues
| Issue | Number | Action |
|---|---|---|
| Lost debit card | 1-800-432-1000 | Report immediately |
| Stolen debit card | 1-800-432-1000 | Report immediately |
| PIN reset | 1-800-432-1000 | Or use any BofA ATM |
| Card not working | 1-800-432-1000 | Check for holds |
| Activate new card | 1-800-276-9939 | Follow prompts |
Credit Card Issues
| Issue | Number |
|---|---|
| Billing dispute | 1-800-732-9194 |
| Credit limit increase | 1-800-732-9194 |
| Balance transfer | 1-800-732-9194 |
| Rewards questions | 1-800-732-9194 |
| Annual fee waiver request | 1-800-732-9194 |
| Lost credit card | 1-800-732-9194 |
| Report fraud | 1-800-732-9194 |
Loans and Mortgages
| Issue | Number |
|---|---|
| Mortgage payment | 1-800-669-6607 |
| Refinance inquiry | 1-800-669-6607 |
| Hardship assistance | 1-800-669-6607 |
| Escrow questions | 1-800-669-6607 |
| Auto loan payment | 1-800-215-6195 |
| Auto payoff quote | 1-800-215-6195 |
Bank of America Mailing Addresses
General Correspondence
Bank of America
P.O. Box 25118
Tampa, FL 33622-5118
Credit Card Payments
Bank of America
P.O. Box 15019
Wilmington, DE 19850-5019
Disputes and Complaints
Bank of America Customer Service
P.O. Box 25118
Tampa, FL 33622-5118
International Banking Support
| Service | Number |
|---|---|
| General (from outside US) | 1-315-724-4022 (collect) |
| Credit cards (international) | 1-757-677-4701 (collect) |
| Report lost card abroad | 1-315-724-4022 |
Before international travel: Set a travel notice in the app (Cards → Travel notice), save the international collect number, and review Bank of America ATM limits for daily withdrawal caps abroad.
If Bank of America Doesn’t Resolve Your Issue
Escalation Steps
| Step | Action |
|---|---|
| 1 | Ask for a supervisor during your call |
| 2 | Request the complaint department |
| 3 | File an official complaint in writing |
| 4 | Contact the Customer Advocate |
| 5 | File a regulatory complaint |
Bank of America Customer Advocate
Bank of America
Customer Advocate
P.O. Box 25118
Tampa, FL 33622-5118
Include: account number, detailed description of the issue, timeline of previous contacts, desired resolution, and copies of relevant documents.
Regulatory Complaints
| Agency | Purpose | Contact |
|---|---|---|
| CFPB | Banking complaints | 1-855-411-2372 |
| OCC | National bank issues | 1-800-613-6743 |
| FDIC | Deposit insurance | 1-877-275-3342 |
Bank of America Preferred Rewards — Priority Service
Preferred Rewards members get priority phone routing and shorter wait times. Status is based on your combined 3-month average balance across BofA deposit accounts and Merrill investment accounts.
| Tier | Balance Required | Service Benefit |
|---|---|---|
| Gold | $20,000 | Priority phone routing |
| Platinum | $50,000 | Dedicated line |
| Platinum Honors | $100,000 | Priority concierge |
Preferred Rewards line: 1-800-446-0135
Quick Reference Summary
| Contact Need | Best Method |
|---|---|
| Main BofA number | 1-800-432-1000 |
| Credit card | 1-800-732-9194 |
| Mortgage | 1-800-669-6607 |
| Available 24/7? | Yes (main and credit card lines) |
| Fastest route to a human | Say “representative” repeatedly |
| Best time to call | Tuesday–Thursday 8–9 AM ET |
| International | 1-315-724-4022 (collect) |
Related Guides
- Bank of America Complete Guide 2026 — accounts, fees, and limits overview
- Bank of America Hours 2026 — branch hours and holiday schedule
- Bank of America Fees 2026 — overdraft, monthly, and wire fees
- Bank of America Transfer Limits 2026 — ACH and wire limits
- Bank of America ATM Limit 2026 — daily withdrawal caps
- Bank of America Direct Deposit Setup — routing number and payroll instructions
- Bank of America Routing Number 2026 — ABA numbers by state
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