Where to Mail Your Bank of America Credit Card Payment
The mailing address for Bank of America credit card payments
Bank of America has multiple mailing addresses depending on which type of payment you are sending and where you live. The address printed on your monthly statement is the correct one to use — that is the safest route because it is specific to your account. If you cannot find your statement, you can call the customer service number on the back of your card to confirm the address before you mail a check.
The most commonly used address for credit card payments is Bank of America, P.O. Box 15298, Wilmington, DE 19850-5298. However, Bank of America maintains separate processing centers, and using the wrong address can delay your payment by several days. The address on your statement takes priority over any address you find online or elsewhere.
Payments sent by mail typically take 5 to 7 business days to reach Bank of America's processing center and post to your account. If your payment is due in fewer than 7 days, mailing is risky — late fees and interest charges apply if the payment does not post by the due date, even if you mailed it on time. For time-sensitive payments, use online bill pay through your bank, the Bank of America website, or the Bank of America mobile app instead.
Key Takeaways
- The address printed on your Bank of America credit card statement is the correct mailing address for your account and should always be used first.
- Mailed payments take 5 to 7 business days to post, so mail only if your payment is due more than a week away.
- If you cannot locate your statement, call the number on the back of your card to confirm the mailing address before sending a check.
- Bank of America charges late fees if a payment does not post by the due date, regardless of when you mailed it.
- Online payment through your bank, the Bank of America website, or mobile app posts the same day or next business day and is faster and safer than mail.
How to find your specific mailing address
Your monthly statement shows the mailing address assigned to your account in the payment section, usually near the top or bottom of the first page. Look for a line that says "Mail your payment to:" or "Send payment to:" followed by a full address. This address is tied to your specific account and processing center, so using it ensures your payment reaches the right place quickly.
If you do not have a recent statement, log into your Bank of America online account or mobile app. Go to the Payments section and look for a "Pay by Mail" or "Mailing Address" option. Some accounts display this information directly; others require you to call. You can also call Bank of America customer service at the number on the back of your card and ask for the mailing address for your specific credit card account.
Why mailing takes longer than other payment methods
Mail moves through the postal system before it reaches Bank of America's processing center. Even if you mail your payment the day it is due, it may not arrive for 3 to 5 business days, and Bank of America may take another 1 to 2 business days to process and post it to your account. That delay means your payment can be marked late even though you sent it on time.
Bank of America's payment due date is based on when the payment posts to your account, not when you mailed it or when it was received at the processing center. A late fee applies if the payment does not post by 5 p.m. Eastern Time on the due date. If you are cutting it close, do not rely on mail.
Safer and faster payment options
Bank of America's website and mobile app allow you to schedule a payment online. You can pay immediately or set a future date, and the payment posts the same day or the next business day. This method is free, takes seconds, and eliminates the risk of mail delays or lost checks.
You can also set up automatic payments through your Bank of America account. Choose whether to pay the full statement balance, the minimum payment, or a fixed amount each month. Automatic payments post on the date you choose and remove the burden of remembering to pay. If you use automatic payments, make sure your bank account has enough money on that date — overdraft fees apply if it does not.
If you bank at a different institution, you can use your bank's bill pay service to send a check to Bank of America on your behalf. This method is also free and usually posts within 1 to 2 business days. Log into your bank's website or app, find the bill pay section, and enter Bank of America's mailing address and your credit card account number.
What information to include with a mailed payment
Write your credit card account number on the check itself, in the memo line. Do not write it on the envelope. Include the payment stub from your statement if you have it — the stub has your account number printed on it and helps the processing center match your payment to your account faster. If you do not have the stub, the account number on the check is sufficient.
Use a check, not cash or a money order. Bank of America's processing centers are set up to handle checks, and a check provides a record of payment. If you lose the receipt or need proof you paid, you can request a copy of the cancelled check from your bank.
Tracking a mailed payment and what to do if it is late
Once you mail a check, you cannot track it the way you can track a package. The postal service does not provide tracking for regular mail. If you are concerned about whether your payment arrived, wait 7 to 10 business days, then log into your Bank of America account and check whether the payment has posted. If it has not, call customer service to confirm they received it.
If your payment posts after the due date, a late fee will appear on your next statement. You can call Bank of America and ask them to waive the fee if this is your first late payment or if you have a good payment history. They may reverse it as a courtesy, but they are not required to. If the payment was genuinely mailed on time but arrived late due to mail delays, explain that to the representative — some late fees can be reversed in these situations.
A late payment also affects your credit report. It stays on your credit history for seven years, even if the fee is waived. Avoiding late payments in the first place is far better than trying to fix one afterward.
Frequently Asked Questions
Can I mail a payment to a Bank of America branch near me instead of the processing center?
No. Payments mailed to a local branch will be forwarded to the processing center, which adds extra time. Always use the mailing address on your statement or the address Bank of America gives you over the phone. Local branches do not process credit card payments.
What if I mail a payment but then pay online before it arrives?
Your account will show both payments. The mailed check will post a few days later, and your balance will drop further. You can call Bank of America and ask them to return the check to you, or you can let it post and use the credit toward your next statement. Either way, you will not be charged twice.
Is there a fee for mailing a payment?
No. Bank of America does not charge a fee for mailed payments. However, you pay for the postage stamp and the check itself. Online payment and automatic payments are free and faster, so they are better options if you have access to them.
How do I know if my mailed payment was received?
Log into your Bank of America account 7 to 10 business days after mailing and check your payment history. If the payment has posted, it was received. If it has not posted after 10 business days, call customer service with the date you mailed it and the check amount so they can investigate.
What if the address on my statement is different from the address I found online?
Use the address on your statement. Bank of America maintains multiple processing centers, and the address on your statement is routed to the center that handles your account. Online addresses may be outdated or generic. Your statement is always the most current and accurate source.