Bank of America Online Banking/Bill Pay Phone 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 number?
A:Direct to Online Banking Bill Pay Dept, press nothing and wait for rep
Q:Is this phone number operational 24 / 7?
A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Tuesday, and the most busy day is Friday. See below for more and to learn where this data comes from.
Q:How long will I have to wait on hold?
A:The average hold time is 16 minutes. The longest hold times are on Thursday, and the shortest are on Wednesday.
This is the #4 most popular Bank of America phone number out of 16. Click below to go back to the main customer service number and other contact information:
Bank of America's main customer service phone number

More Bank of America Customer Phone Numbers

800-432-1000 - Customer Service
Main phone number · Toll-free · 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.
800-781-5393 - Online Banking
Toll-free · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone
704-386-5687 - Executive Customer Relations
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 ·
800-285-6000 - Home Loans
Toll-free · 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.
800-669-5224 - Bankruptcy
Toll-free · 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.
800-732-9194 - Credit Cards
Toll-free · 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.
877-366-1121 - Fraud Reporting
Toll-free · 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.
800-421-2110 - Credit Cards
Toll-free · 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.
800-669-6607 - Mortgages
Toll-free · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number
888-325-6435 - Mortgage Services
Toll-free · 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
877-327-9225 - Home Retention
Toll-free · This is for Home Retention Department / Collections · Please say or enter your account number
800-669-6076 - Property Claims
Toll-free · 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.
877-833-5617 - Fraud Detection
Toll-free · 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.
315-724-4022 - International Customer Service
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.
800-518-0479 - Customer Service
Toll-free · 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.)

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 Tuesday. 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 Tuesday. The most busy day to call is Friday. 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 Wednesday. 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 Tuesday. 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 Tuesday.

My Experience Calling Bank of America at this Number

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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