Where to Send Your Bank of America Credit Card Payment
The main mailing address for Bank of America credit card payments
Bank of America has a single national processing center for 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 for all Bank of America credit cards, regardless of which state you live in or which card product you hold. Mail sent here takes 5 to 7 business days to reach the processing center after you drop it in a mailbox, so plan ahead if your payment is due soon.
Do not send payments to a local Bank of America branch. Branches cannot process credit card payments, and mail sent there will be rerouted, which delays posting to your account.
Key Takeaways
- Mail payments to the Schaumburg, Illinois address above; this is the only mailing address Bank of America uses for credit card payments nationwide.
- Allow 5 to 7 business days for mail to arrive at the processing center, plus 1 to 2 business days for the payment to post to your account after arrival.
- Include your account number and payment amount on your check or money order, and keep a copy of what you send.
- If your payment is due within the next week, use online banking, the mobile app, or phone payment instead of mail to avoid a late fee.
- Bank of America does not charge a fee for mailed payments, but your bank may charge a fee if you use a third-party bill payment service.
How to format your mailed payment so it posts correctly
Write your 16-digit credit card account number on the front of your check or money order. Bank of America's processing center sorts thousands of payments daily, and your account number is how they match the payment to your card.
Include the payment stub from your statement if you have it. The stub has a barcode that speeds up processing. If you do not have the stub, write your account number clearly in the memo line of the check as well.
Mail the check or money order in an envelope with the payment stub (if you have one). Do not send cash through the mail. Do not tape anything to the check or fold it; processing machines can jam.
Faster payment methods if you cannot wait for mail
Bank of America's online banking portal and mobile app both allow you to schedule a payment or send money immediately. Log in to your account, go to the Transfers & Payments section, and choose Pay Bills. You can pay from a linked bank account at no charge.
Phone payment is also available 24 hours a day. Call the customer service number on the back of your credit card and follow the prompts to make a payment over the phone. You will need your account number and the bank account you want to pay from.
Both methods post within 1 to 2 business days. If you are within a few days of your due date, use one of these instead of mail.
What happens if your mailed payment arrives late
Bank of America dates payments based on the day they arrive at the processing center in Schaumburg, not the day you mailed them. If your payment arrives after your due date, it will be recorded as late, and a late fee will be added to your account.
Late fees for Bank of America credit cards vary by card type and your account history, but typically range from $25 to $40 for a first late payment. A late payment also appears on your credit report and can lower your credit score.
If you mail a payment and realize it will arrive late, contact Bank of America customer service immediately. Explain that you mailed the payment on time but it was delayed in transit. Some late fees can be waived if this is your first late payment and you have a good payment history, though Bank of America is not required to do so.
Using a third-party bill payment service to mail your payment
Some banks and financial institutions offer bill payment services that mail a check on your behalf. If you use this service to pay your Bank of America credit card, the check will be mailed to the Schaumburg address above.
Be aware that third-party bill payment services add extra time to the process. Your bank may take 1 to 2 days to process your request, then the check takes another 5 to 7 days to arrive. In total, plan for 7 to 10 business days. Many of these services also charge a fee per payment, usually $1 to $3.
If you use a third-party service, schedule the payment at least 10 business days before your due date to avoid a late fee.
Payments from outside the United States
If you are sending a payment from outside the United States, use the same Schaumburg address. However, international mail takes significantly longer — typically 2 to 4 weeks — and Bank of America may not accept checks drawn on foreign banks.
The safest option is to use online banking or phone payment if your account is set up to do so. If you must mail a payment from abroad, send a money order in U.S. dollars and allow at least 4 weeks for delivery. Contact Bank of America customer service before mailing to confirm they will accept the payment method you plan to use.
Keeping a record of your mailed payment
Write down the date you mail your payment, the amount, and your account number. Keep a photo or copy of the check or money order before you mail it. If there is ever a dispute about whether your payment arrived, you will have proof of when you sent it and for how much.
Check your account online or in the mobile app 7 to 10 business days after you mail the payment to confirm it has posted. If it has not appeared by then, contact Bank of America customer service with your mailing date and amount. They can trace the payment through the processing center.
Frequently Asked Questions
Can I pay my Bank of America credit card at a local branch?
No. Local branches do not process credit card payments. If you go in person, a teller can direct you to online banking or phone payment options, but they cannot take a payment at the branch. Mail payments to the Schaumburg address or use online banking instead.
How long does it take for a mailed payment to show up on my account?
Mail typically takes 5 to 7 business days to reach the processing center, then 1 to 2 business days more to post to your account. Plan for 7 to 10 business days total. If your due date is sooner, use online banking or phone payment instead.
What if I send my payment to the wrong address by mistake?
Contact Bank of America customer service right away with the date and amount you mailed. They can sometimes intercept mail sent to the wrong location. If the payment reaches a branch or other office, it will be rerouted to Schaumburg, but this adds delay. Online or phone payment is safer if you are unsure.
Do I need to include a payment stub with my check?
The payment stub speeds up processing, but it is not required. Your account number on the check is enough. If you do not have the stub, write your account number clearly on the memo line of the check and in the envelope.
Can I mail a partial payment or a payment for less than the minimum?
Yes. Bank of America will post any payment amount you send, even if it is less than the minimum due. However, if your payment is less than the minimum, your account will still be considered late, and you may be charged a late fee. Pay at least the minimum due by your due date to avoid this.