Where to Send Your Bank of America Credit Card Payment

The mailing address for Bank of America credit card payments

Bank of America has a single mailing address for all credit card payments sent by mail. The address is:

Bank of America Credit Card Payment Processing 1900 E Golf Road Schaumburg, IL 60173

This address works whether you have a cash rewards card, a travel rewards card, a business card, or any other Bank of America credit card product. Mail sent here takes 5 to 7 business days to reach the processing center and post to your account, so plan ahead if your payment is due soon.

If you are paying by mail, write your account number on the check or money order itself. Include the payment coupon that came with your statement if you have it — the coupon has your account number printed on it and speeds up processing. If you do not have a coupon, the payment will still post, but it may take an extra day or two to match to your account.

Key Takeaways

• Mail payments to Bank of America, Credit Card Payment Processing, 1900 E Golf Road, Schaumburg, IL 60173 — this address works for all Bank of America credit cards.
• Mailed payments take 5 to 7 business days to post, so send payment at least a week before your due date to avoid a late fee.
• Include your account number on the check and the payment coupon from your statement to ensure the payment reaches your account quickly.
• Online and phone payments post the same day or next business day and are faster and more reliable than mail.
• You can set up automatic payments through your Bank of America account to avoid mailing checks altogether.

Why the mailing address matters and when to use it

Most people pay their Bank of America credit card online or by phone because those methods are faster and carry no risk of the check getting lost. But some people still prefer to mail a check — either because they do not have online banking set up, because they want a paper record, or because they are paying from a business account that does not have digital payment set up.

The risk of mailing is timing. A check mailed on a Monday might not arrive until the following Monday. If your due date is the 15th and you mail a check on the 12th, it may not post until after the 15th, and you will be charged a late fee even though you sent the payment on time. Bank of America's policy is that the payment date is when it arrives at their processing center, not when you mailed it.

For this reason, if you must mail a payment, send it at least 10 days before your due date. If you are cutting it close, use online payment or phone payment instead — both post the same day or the next business day.

Online and phone payment options that are faster

Bank of America offers three faster ways to pay: through your online account, through the mobile app, and by phone. All three post within one business day, and online and app payments usually post the same day.

To pay online, log into your Bank of America account, go to the credit card account, and select "Make a Payment." You can pay from a Bank of America checking or savings account, or from an account at another bank using an ACH transfer. To pay from another bank's account, you will need to provide the routing number and account number.

To pay by phone, call the customer service number on the back of your card. A representative will ask for your account number, the amount you want to pay, and the account you want to pay from. Phone payments are processed the same way as online payments and post within one business day.

The mobile app works the same way as the website. Open the app, select your credit card account, and choose "Make a Payment." You can save payment methods in the app so you do not have to enter your bank details every time.

Setting up automatic payments to avoid mailing altogether

If you pay the same amount every month or want to pay your full balance automatically, you can set up an automatic payment through your Bank of America account. Automatic payments pull money from your checking or savings account on the date you choose and post to your credit card the same day or next business day.

To set up automatic payments, log into your account, go to your credit card, and select "Automatic Payments" or "Recurring Payments." You can choose to pay a fixed amount, your minimum payment, or your full balance. You can also choose the date each month when the payment should post — most people choose a date a few days after they get paid.

Automatic payments are the most reliable way to avoid late fees because you do not have to remember to pay each month. If you need to skip a payment or change the amount, you can pause or edit the automatic payment in your account at any time.

What to do if your mailed payment is lost or delayed

If you mailed a check and your payment did not post by the due date, call Bank of America customer service right away. Have your canceled check or bank statement ready to show when you mailed it and for how much. If you can prove you mailed the payment before the due date, Bank of America will often reverse a late fee as a courtesy, especially if it is your first late payment.

If the check was lost in the mail and never arrived, you will need to stop payment on the original check through your bank and send a new payment. To stop payment, call your bank and provide the check number, amount, and date you mailed it. Your bank will charge a stop-payment fee, usually between $25 and $35. After you stop payment, send a new payment to Bank of America using online payment or phone payment so it posts right away.

To avoid this situation, use online or phone payment whenever possible. The small amount of time it takes to log in or make a phone call is worth the certainty that your payment will arrive on time.

International payments and special situations

If you are paying from outside the United States, do not mail a check — international mail is slow and unreliable, and Bank of America may not accept a check drawn on a foreign bank. Instead, use online payment if you have a U.S. bank account, or call customer service to discuss wire transfer options.

If you are paying on behalf of someone else or from a business account, the mailing address is the same, but you may need to include additional information. Write the cardholder's name and account number clearly on the check. If you are paying from a business account, include the business name and the account number of the person responsible for the card.

Frequently Asked Questions

How long does it take for a mailed check to post to my account?

Mailed checks typically take 5 to 7 business days to arrive at Bank of America's processing center and post to your account. This means if you mail a check on Monday, it may not post until the following Monday or Tuesday. Always mail at least 10 days before your due date to be safe.

Can I pay my Bank of America credit card at a branch in person?

You can pay at a Bank of America branch, but this is not the fastest method. The teller will process your payment and it will post within one business day, but you have to travel to the branch. Online or phone payment is faster and you can do it from home.

What happens if I send a payment to the wrong address?

If you send a payment to a Bank of America branch or office other than the Schaumburg processing center, it will be forwarded to the correct address, but this adds 3 to 5 days to the posting time. Always use the Schaumburg address to avoid delays.

Can I pay my credit card bill using a debit card?

You cannot pay with a debit card directly through Bank of America's payment system. You can only pay from a checking or savings account, or by mailing a check or money order. If you want to use a debit card, you would need to transfer money from the debit card's bank account to your checking account first, then pay from checking.

Is there a fee for paying by mail?

Bank of America does not charge a fee for mailed payments. Online and phone payments are also free. The only cost is the postage stamp if you mail a check, and the risk of delay.