Bank of America Online Banking/Bill Pay

Phone Number & Getting a Rep

Bank of America Online Banking/Bill Pay number

877-768-9836
Toll-free·Calls Online Banking/Bill Pay·See main phone number & contact info
Q:

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

A:Direct to Online Banking Bill Pay Dept, press nothing and wait for rep
Q:

Does this phone number work 24/7?

A:Yes! This phone number operates 24 hours a day, 7 days a week. The least busy day is Thursday, and the most busy day is Tuesday. 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 Online Banking/Bill Pay?

A:The average hold time is 14 minutes. The longest hold times are on Monday, and the shortest are on Friday.

All Bank of America customer service contact information

This is the #4 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 ·

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.

International Customer Service

315-724-4022
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

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: Direct to Online Banking Bill Pay Dept, press nothing and wait for rep
Here is how our research team describes the way the Bank of America phone system greets you: BillPay - How may I assist you today? (Respond to the question.)
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 you to say or enter information

"Thank you for calling Bank of America Bill Pay.
Your call may be monitored and recorded. How may I assist you today?
You can say things like bill pay, add a new payee to bill pay, online banking, or add a new bank account."
Excerpt from a call with Bank of America
Wednesday, May 15, 2024 2:10 PM

What are the hours and when should I call?

Bank of America operates the call center for this 877-768-9836 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. 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 Thursday. The most busy day to call is Tuesday. 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 Friday. The longest wait in the queue on average occurs on Monday.

The best time to call

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

Why call this Bank of America number?

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?
Making credit card payment: "I'm just trying to make a payment to my Bank of America credit card, and I'm having a difficult time doing this."
- From a call lasting 10m 16s , May 18, 2024 1:41 PM
Account balance inquiry: "Can you please tell me how to access my account balance?"
- From a call lasting 1m 30s , May 15, 2024 2:10 PM

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Dec 11, 2023

I have an upcoming payment due with my car insurance company, and I wanted to use my Bank of America BillPay service to take care of it. However, when I tried to add my car insurance to the BillPay online, I had a lot of trouble. I don't know if it's the website or if I am doing something wrong, so I figured the best thing I could do is call and talk to someone. This way I could just get the problem dealt with because I had enough other tasks to take care of this month. 

Bank of America no doubt gets a lot of phone calls from customers daily, but I called later in the evening, hoping this would be a quieter time than during the day. I also called the BillPay line directly so that I wouldn't have to contend with all of the general questions the banking institute might get. Despite this, I wasn't able to talk to someone, which was actually unsettling and made me a little angry. Next time I am in a physical branch of the bank, I will probably mention the bad experience I had on the phone. 

When I called, an automated assistant said, "Thank you for calling Bank of America BillPay. How may I assist you today? You can say things like 'Billpay,' 'add a new payee to Billpay,' or 'online bank account.'" I responded with the command, "Add a new payee to Billpay." The voice assistant then said, "To better assist you, please have your account information available. I can hold for up to one minute. When you are ready to continue, please press any number."

I pressed a random key, and it asked me to enter my checking account number. I was driving and didn't have that readily accessible since I expected to be on hold first, so I said no. It then said, "Please wait while I transfer your call to a customer service representative." It was only a minute and a half so far, so I was actually impressed that I had already gotten through to the hold line. However, a new voice assistant picked up and said, "Thank you for calling. We are sorry, but all agents are busy serving other customers. Please try your call later today." 

After that short speech, it hung up on me, leaving me flabbergasted. I couldn't believe that was their idea of customer service, but I wasn't going to waste my time again. I'll just stop in at the bank at some point. 

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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