Bank of America Customer Service

Phone Number & Contact Info

Bank of America's Best Phone Number

Toll-free·Calls Customer Service·Most popular Bank of America number

How do I talk to a live human at Bank of America?

A:Press 0#, then 0#, then 0, then 0 then 1, then 0#

Does Bank of America offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST. The least busy day is Sunday, and the most busy day is Tuesday.

How long will I wait on hold?

A:The average hold time is 24 minutes. The longest hold times are on Monday, and the shortest are on Friday. How is this calculated?

Bank of America Customer Phone Numbers

Online Banking

Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone

Executive Customer Relations

24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·

Online Banking/Bill Pay

Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.)

Home Loans

Toll-free · Mon-Fri 8am-9pm EST · Press "0" at every prompt for Mortgage Department · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.


Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

Credit Cards

Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Fraud Reporting

Toll-free · Mon-Fri 8am-9pm EST · Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud. · Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Credit Cards

Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.


Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number

Home Retention

Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative.

Fraud Detection

Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

International Customer Service

Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.

Customer Service

Toll-free · Mon-Fri 9am-5pm EST · Calling this Bank of America number should go right to a real human being · Just hold online until a representative picks up

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Bank of America phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0#, then 0#, then 0, then 0 then 1, then 0#
Here is how our research team describes the way the Bank of America phone system greets you: Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.
Below are some clips we've found from Bank of America's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask for information for security purposes

"For security, you must provide required information to speak with an associate or use our automated service."
Excerpt from a call with Bank of America
Thursday, June 6, 2024 5:11 PM

They may ask you to enter information with the dial pad

"Thanks. Now they are
I didn't understand.
Please enter your four to twelve digit telephone PIN."
Excerpt from a call with Bank of America
Friday, March 1, 2024 11:36 PM

They may ask you to say or enter information

"Welcome to Bank of America. This call may be recorded. The bankless closed for the holiday on Monday, May twenty seventh All account activity will be updated after the holiday. To get started, please say or enter your telephone access ID, card, or account number."
Excerpt from a call with Bank of America
Tuesday, May 28, 2024 1:06 PM

What are the hours and when should I call?

Bank of America operates the call center for this 800-432-1000 phone number Mon-Fri 8am-11pm, Sat-Sun 8am-8pm ET. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 3,664 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Bank of America is Sunday. The most busy day to call is Tuesday, which averages 407% more phone calls by comparison. Again, this is based on a sample of 3,664 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Monday.

The best time to call Bank of America

In summation, the best day to call Bank of America is Monday.

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Dec 12, 2023

I'm not currently a customer of Bank of America. I was interested in opening an account, and this is the phone number on their website. However, I couldn't reach anyone. The automated menu asks for a telephone access ID, card or account number. After not responding, it said you must provide the requested information to speak with an agent for security reasons or use the automated system. There were no instructions on accessing an automated system, though. I tried pressing 0, but it just repeated the message. After two repeats, it disconnects the call.

On Bank of America's customer support page, there are several categories to choose from to get relevant contact information. This number is listed for most of them. There are different numbers for things like credit cards and auto loans. Some categories, like account changes, direct you to schedule an appointment with a local branch. If you don't have a local branch, it provides this customer support number. The general help page says this number is for general account information, lost or stolen ATM or debit cards and opening an account.

Bank of America has a customer support website. This is where you can find the phone numbers for different needs. Most of them have a corresponding page of frequently asked questions. There's also a branch and ATM locator, and you can schedule in-person appointments. For contact methods, they have phone numbers, their mailing address and links to message them through Facebook or Twitter.

The online help center has quite a few articles covering several topics. They list trending topics along the top, including routing number, bill pay, make a payment, dispute charge and Erica virtual assistant. It looks like they have articles covering all of their products and tools. You can apply for checking, savings, CDs, credit card and loan accounts from their main home page. Each has its own landing page with information on the different options. Online banking is heavily promoted, and most of their tools are online.

It seems this phone number is only intended for current customers. You need to verify your account information to get to an agent. Even though this number is listed online as a way to open new accounts, I only see a way to do that in person at a branch or by applying on their website. Online reviews show many customers are unhappy with Bank of America's phone support. The most common reason to call is for fraud or unauthorized charges; since this is a more complex issue, I'd rather speak to someone than try to navigate it online. However, many of the bad reviews complain about the lack of help in this area.

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

Why Customers Call Bank of America

If you have time to do a bit of reading before you call Bank of America, we recommend you read over some of our problem-specific articles.

Is Bank of America BillPay secure?

Yes, Bank of America BillPay is secure. We prioritize the safety and privacy of our customers' information. We utilize advanced encryption and authentication technologies to protect your personal and financial details. Our online banking platform employs multi-layered security measures, including firewalls and monitoring systems, to safeguard against unauthorized access. Additionally, we offer a secure sign-in process with unique security questions and multifactor authentication to verify your identity. Bank of America also works diligently to stay ahead of evolving security threats by regularly updating our systems and investing in the latest security technologies. You can confidently use Bank of America BillPay, knowing that your financial transactions are protected with robust security measures in place.

How Do I Enroll in Online Banking with Bank of America?

You can enroll in Bank of America online banking using your existing account details. With only an account ID and your SSN, you can register in minutes to make mobile deposits or automatic bill payments. After opening an account at an existing Bank of America branch, follow the necessary steps to access various features and offers as an online banking customer.

How Do I Open a New Bank of America Account?

If you are looking for a new bank and wish to open an account at Bank of America, you can start your new banking experience in a few steps online. Review the types of accounts available at Bank of America, pick the account you want and apply online. Once you have opened your new account, you can have your paycheck deposited directly giving you peace of mind.

Top Bank of America customer service problems

Click the link above to get answers to just about any Bank of America customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Bank of America, and their purpose. Are any of these similar to the reason you are trying to call?
Payment inquiry: "Trying to find out balance due and minimum payment amount."
- From a call lasting 5m 10s , Jun 5, 2024 1:06 AM
Balance inquiry and statement request: "Can you give me a copy of all my statements and tell me my latest balance?"
- From a call lasting 13m 23s , Jun 5, 2024 12:51 AM
Speaking to representative: "I need to speak to a representative, please."
- From a call lasting 4m 49s , Jun 4, 2024 2:33 PM
Branch visit inquiry: "Talk to someone on the branch at Dahlone Road in Beaumont, Texas."
- From a call lasting 6m 34s , May 29, 2024 5:03 PM
Deposit into friend's account: "I need to deposit money in my friend account using my debit card."
- From a call lasting 2m 39s , May 28, 2024 5:52 PM
Account maintenance fees issue: "I keep getting maintenance fees on my account and I've been told it would be fixed, but it hasn't been resolved."
- From a call lasting 32m 53s , May 22, 2024 10:25 PM
Questions about recent deposits: "I deposited two checks Friday night, and I needed to stop depositing them."
- From a call lasting 6m 36s , May 20, 2024 11:40 PM
Sending money inquiry: "I need help with sending money from my account."
- From a call lasting 2m 37s , May 20, 2024 5:36 PM
Question about unrecognized charge: "I have a charge on my statement that I don't recognize, can you help me identify where it's from?"
- From a call lasting 16m 46s , May 14, 2024 5:44 PM
Payment authorization issue: "I tried to do a payment for three thousand fifty seven to Bobcoves Steel and it's not going through."
- From a call lasting 33m 32s , May 13, 2024 4:59 PM

More Bank of America Customer Service Contacts

There are of course other ways to contact Bank of America customer service besides the phone. Below we list the best ones, by medium.

Bank of America Customer Service Live Chat - Customer Service
Takes you to drop down will be offered if available after you make your selection
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Bank of America provides this option.

Bank of America Customer Service on X (formerly Twitter)

@BofA_Help - Customer Service
Bank of America Customer Support offered by Twitter
Bank of America, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

Bank of America Customer Service on Facebook / Messenger - Customer Service
Use this link to get help with your issue through Faccebook
Some customer service teams, like that of Bank of America, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.

Bank of America Customer Help Desk / Web Support - Customer Service
Customer service online support - Home Mortgages
Online link for signing up for new services for New Home Equity Lines of Credit & Loans
As a last, sometimes only, resort- Bank of America customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Bank of America's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Bank of America agent. This phone number is Bank of America's best phone number because 420,030 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-432-1000 include Report Fraud, Card Declined, Account Access, Dispute a Charge, Missing Payment and other customer service issues. The Bank of America call center that you call into has employees from Massachusetts, Arizona, Florida and is open Mon-Fri 8am-11pm, Sat-Sun 8am-8pm ET according to customers. In total, Bank of America has 16 phone numbers. It's not always clear what is the best way to talk to Bank of America representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Bank of America. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Bank of America. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

Call with our super-powered phone
  • Click to call- even from your desktop
  • We dial and get a human for you
  • AI-powered suggestions of what to say
  • Keep a transcript and other stats
  • Free, unintrusive: no account needed

Compare Bank of America Customer Service

Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!