Where to Send Your Bank of America Credit Card Payment

The three ways to pay your Bank of America credit card

Bank of America accepts credit card payments by mail, online through their website or mobile app, and by phone. Each method has a different mailing address or contact point, and the route you choose affects when your payment posts to your account. Mail takes the longest — typically five to seven business days from when BofA receives the envelope — so if you are close to a due date, online or phone payment is safer.

The mailing address for credit card payments is different from the address on your statement's front, and using the wrong one delays your payment by days. This section covers where each payment method goes and what to expect at each step.

Key Takeaways

• Mail payments to the lockbox address shown on your statement or in your online account, not the general customer service address on the card itself.
• Online payments through the BofA website or app post within one business day and carry no mailing delay.
• Phone payments are processed the same day you call, but you will need your account number and routing information ready.
• Late fees begin the day after your due date, so mail a payment at least one week early if you cannot pay online.

Mailing address for credit card payments

Bank of America uses a lockbox system for mail payments. The address is printed on your monthly statement, usually near the payment coupon or in a box labeled "Payment Address" or "Mail Payment To." Do not mail to the main BofA address or your local branch — those envelopes are sorted to customer service and will be rerouted, adding days to processing.

To find the correct lockbox address if you do not have a statement in front of you, log into your online account, go to the credit card account details, and look for "Payment Information" or "Make a Payment." The address will be listed there. You can also call the customer service number on the back of your card and ask for the current lockbox address — it occasionally changes, and the phone representative will give you the active one.

When you mail a payment, include your account number on the check or money order, and mail it at least seven to ten business days before your due date. The post office adds one to three days, BofA's mail room adds one to two days, and processing adds another one to two days. If your payment arrives after the due date, a late fee applies even if you mailed it on time.

Online and mobile app payments

Paying through the BofA website or mobile app is the fastest and most reliable method. Log into your account, select the credit card, and choose "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. The payment posts within one business day, and you receive a confirmation number immediately.

Online payments are free and do not require you to have another bank account — you can pay from a BofA checking or savings account, or you can set up a one-time payment from an external bank account. If you use an external account, BofA will ask for your routing number and account number. The payment still posts within one business day, but the funds may take an additional day or two to leave your external account.

You can also set up automatic payments through the app or website. Choose whether to pay the full balance, the minimum, or a fixed amount each month, and select your due date. Automatic payments remove the risk of forgetting, though you should still check your account monthly to make sure the payment went through.

Phone payments and customer service

To pay by phone, call the number on the back of your credit card. Have your account number, the amount you want to pay, and your routing and account number ready if you are paying from an external bank account. The payment is processed the same day you call, and you will receive a confirmation number before you hang up.

Phone payments are free, but they take longer than online payments because you have to wait for a representative. If you call during business hours (typically 8 a.m. to 10 p.m. Eastern time, seven days a week), you will reach someone within a few minutes. If you call outside those hours, you may reach an automated system that can process the payment without a representative.

What happens if you pay late

A late fee is charged the day after your due date if your payment has not posted. The fee amount depends on your account terms, but typically ranges from $25 to $39 for the first late payment. If you are late again within six months, the fee may be higher. Late payments also report to credit bureaus and can lower your credit score.

If you realize your payment will be late, call BofA immediately. Some representatives can waive a single late fee if you have a good payment history, though this is not may provide. The sooner you call after the due date, the better your chances. Paying the balance in full does not remove the late fee — you have to request a waiver separately.

Setting up autopay to avoid missed payments

Autopay is the easiest way to ensure your payment posts on time every month. In your online account, go to "Manage Autopay" or "Automatic Payments," and choose the payment amount and date. You can set it to pay the full balance, the minimum payment, or a fixed amount. Most people choose the full balance so they do not carry interest charges.

Autopay pulls from a BofA account or an external bank account. If you use an external account, make sure you have enough funds on the payment date — if the payment fails due to insufficient funds, a late fee may still apply. Check your account a few days after each autopay date to confirm the payment went through, especially the first time you set it up.

Frequently Asked Questions

What is the mailing address if I cannot find it on my statement?

Log into your BofA online account, select your credit card, and look for "Payment Information" or "Make a Payment." The lockbox address is listed there. You can also call the customer service number on the back of your card and ask for the current mailing address.

How long does it take for a mailed payment to show up?

Mail payments typically take five to seven business days from when BofA receives the envelope. The post office adds one to three days, so mail your payment at least ten business days before your due date to be safe. If it arrives after the due date, a late fee applies.

Can I pay from a bank account that is not Bank of America?

Yes. You can pay online, by phone, or by mail from any bank account. Online and phone payments require your routing number and account number. Mailed payments can be a check or money order from any bank.

What if my autopay payment fails?

If autopay fails due to insufficient funds or an invalid account, BofA will send you a notice. You will have a few days to make the payment manually before a late fee applies. Set up a backup payment method or check your account balance before the autopay date to prevent this.

Does paying online cost extra?

No. Online, phone, and mailed payments are all free. BofA does not charge a fee for any payment method.