Bank of America International Customer Service

Phone Number & Getting a Rep

Bank of America International Customer Service number

315-724-4022
Calls International Customer Service·See main phone number & contact info
Q:

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

A:Calling this Bank of America number should go right to a real human being
Q:

Does this phone number work 24/7?

A:No. Hours for this phone number are Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST. The least busy day is Friday, and the most busy day is Thursday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Bank of America International Customer Service?

A:We don't expect that you will have to wait to talk to a person. This is a direct line.

All Bank of America customer service contact information

This is the #15 most popular Bank of America phone number out of 16. Click above to go back to the main customer service number and other contact information, including Bank of America email addresses, twitter handles, and live chat options.

More Bank of America Customer Phone Numbers

Customer Service

800-432-1000
Main phone number · Toll-free · Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Press 0#, then 0#, then 0, then 0 then 1, then 0# · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Online Banking

800-781-5393
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

704-386-5687
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

877-768-9836
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

800-285-6000
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.

Bankruptcy

800-669-5224
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

800-732-9194
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

877-366-1121
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

800-421-2110
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.

Mortgages

800-669-6607
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

888-325-6435
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

877-327-9225
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

800-669-6076
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

877-833-5617
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.

Customer Service

800-518-0479
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 real 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: Calling this Bank of America number should go right to a real human being
Here is how our research team describes the way the Bank of America phone system greets you: 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.
In fact, much of this information on this page is superfluous because this Bank of America phone number is a direct line to a human being. The line is well-staffed and you should anticipate a very short wait on hold or none whatsoever, as long as you are calling during business hours.
We don't know of any phone menus you would encounter when calling either.

What are the hours and when should I call?

Bank of America operates the call center for this 315-724-4022 phone number Mon-Fri 8am-11pm, Sat-Sun 8am-8pm ET. The short answer is that you should call on a Friday. This observation and the following section are based on analysis of a sample set of 70,005 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 Friday. The most busy day to call is Thursday. Again, this is based on a sample of 70,005 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 Monday. The longest wait in the queue on average occurs on Thursday.

The best time to call

In summation, the best day to call Bank of America is Friday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Bank of America staffs the call center well on Friday.
Once again, please put this information in perspective because this phone number has no phone menu or long waits. It generally gets picked up right away if calling during their opening hours. If there is any way, it will typically be very short.

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Jan 10, 2024

Calling this number is only useful if you already have an account with Bank of America. That's because this number is meant for Bank of America's international customers and is set up to allow them to call Bank of America collect.

As such, the company doesn't want anyone who isn't actually a customer using this number. That seems to be the mentality in how they've set up their automated system, as it's a frustrating experience if you don't already have an account. When you dial, you get a message welcoming you to Bank of America and letting you know that if you meant to call Bank of America collect, they accept the charges.

That's a good thing for customers, but the problem comes when you hit the choke point at the next stage. The system asks you to provide your access code or your account number, and there's no real way to get around it by refusing. If you attempt to do so, the system tells you that to get you to the right location, it must confirm your identity.

If you refuse again, the system gives the illusion of letting you past the choke point by asking for the reason for your call. I said I was calling to open an account, and the system confirmed that I had asked to open an account. However, it then followed up by asking me to provide my account number. If the system already knows I'm trying to set up a new account, it should also know that by definition, I don't actually have an account with which to provide an account number.

It doesn't matter to the system. The system won't stop asking for your account number, even when it should know that you don't already have one. When I said "no" to the request to provide an account number, the system asked me to confirm that I had said I didn't know my account number. I told them that was wrong and I don't have one, and again found myself back in an endless loop. With no options left, I ended the call.

Overall, I think this number would be useful to people who are already international customers of Bank of America. The bank clearly takes the security of its customers seriously and makes it very difficult for anyone who's not already a customer to get through. Offering free collect calls from international destinations helps ensure that customers can always get connected with Bank of America even when traveling abroad.

I'd prefer that this number placed the choke point earlier rather than potentially wasting the time of people who aren't yet customers, but I understand that's not the purpose of this number. Based off this experience, I would use this number if I were a customer who genuinely needed it, but wouldn't otherwise.

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.
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