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.
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 |
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 frustration or 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/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 appointment | Locations → Schedule |
| Secure messaging | Help → Contact us |
| Lock/unlock cards | Card settings |
| Dispute transaction | Transaction → Report |
Erica can help with: balance inquiries, transaction searches, bill payments, transfers, spending insights, and basic troubleshooting. For more 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 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 details publicly. They’ll 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 specifically, many agents have discretion to waive one fee per year for accounts in good standing — it’s worth asking directly. The full schedule of fees that can be waived is covered in the Bank of America fees guide.
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 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
Calling from Outside the U.S.
| Service | Number |
|---|---|
| General | 1-315-724-4022 (collect) |
| Credit cards | 1-757-677-4701 (collect) |
| Report lost card abroad | 1-315-724-4022 |
Travel Tips
| Before You Travel | Action |
|---|---|
| Set travel notice | App → Cards → Travel notice |
| Note international numbers | Save 1-315-724-4022 |
| Enable WiFi calling | Free calls to US lines |
| Check foreign transaction fees | Card terms |
If Bank of America Doesn’t Resolve Your Issue
Escalation Steps
| Step | Action |
|---|---|
| 1 | Ask for supervisor |
| 2 | Request complaint department |
| 3 | File official complaint in writing |
| 4 | Contact Customer Advocate |
| 5 | File regulatory complaint |
Bank of America Customer Advocate
Mail:
Bank of America
Customer Advocate
P.O. Box 25118
Tampa, FL 33622-5118
What to include: account number, detailed description of issue, timeline of previous contacts, desired resolution, 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
Higher-tier customers get noticeably better service, including priority phone routing and shorter wait times. Preferred Rewards 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
Bottom Line
| 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 to human | Say “representative” repeatedly |
| Best time to call | Tuesday–Thursday 8–9 AM ET |
| International | 1-315-724-4022 (collect) |
For a full overview of accounts, fees, limits, and hours, see the Bank of America complete guide.
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