Call Bank of America's automated payment line to pay by phone
Bank of America lets you pay your credit card bill by calling their automated phone system. You do not need to speak to a person — the system takes your payment information, processes it, and gives you a confirmation number on the same call. The number is on the back of your card, or you can call 1-800-435-7000.
The automated system works 24 hours a day, seven days a week. You will need your card number, a bank account or debit card to pay from, and the amount you want to pay. The payment posts to your account the same business day if you call before the cutoff time (usually around 8 p.m. Eastern), or the next business day if you call after.
If you are calling from a phone number Bank of America does not have on file, the system may ask you to verify your identity with your Social Security number or other information before processing the payment.
Key Takeaways
- Bank of America's phone payment line is 1-800-435-7000 and operates 24/7 through an automated system that does not require speaking to a representative.
- Payments made before the daily cutoff (typically 8 p.m. Eastern) post the same business day; payments after the cutoff post the next business day.
- You will need your card number and either a bank account or debit card to pay from, plus the payment amount you choose.
- The system gives you a confirmation number when ready, which you should save as proof the payment was submitted.
What information you need before calling
Gather these details before you dial so the call moves quickly. Have your Bank of America credit card in front of you — you will need the 16-digit card number. You also need a way to pay: either a checking or savings account number (and the routing number), or a debit card number with expiration date and CVV.
Know the exact amount you want to pay. You can pay your full statement balance, the minimum payment, or any amount in between. The system will confirm the amount before processing, so you have a chance to correct it if you make a mistake.
If you are calling from an unfamiliar phone number, have your Social Security number ready. Bank of America uses this to verify your identity before letting the system access your account.
How the automated system walks you through the payment
When you call, the system will ask you to enter your card number using your phone keypad. After you enter it, the system confirms the last four digits and asks you to verify that the card is correct. This step prevents payments from going to the wrong account if you mistype.
Next, you choose how much to pay. The system tells you your current balance and minimum payment, then asks you to enter the amount. You can use your phone keypad to type numbers, or say the amount aloud if your phone supports voice input. The system repeats the amount back to you before moving forward.
Then you enter the account or card you are paying from. If you use a bank account, you enter the routing number and account number. If you use a debit card, you enter the card number, expiration date, and the three-digit security code on the back. The system processes the payment and gives you a confirmation number — write this down or take a screenshot.
When the payment actually reaches your account
Timing depends on when you call and what day of the week it is. If you call on a business day before the cutoff time (usually around 8 p.m. Eastern), the payment posts the same day. If you call after the cutoff or on a weekend or holiday, it posts the next business day.
Bank of America counts business days as Monday through Friday, excluding federal holidays. So a payment made on Friday evening after the cutoff will not post until Monday, unless Monday is a holiday — then it posts Tuesday.
Once the payment posts, it reduces your balance and your interest charges stop accruing on that portion of the debt. If you were behind on your bill, the payment moves you closer to current status, though it does not erase late fees you already owe.
What to do if the call does not go through or you need to speak to someone
If the automated system disconnects or you reach an error message, hang up and try again. The system is usually reliable, but occasional technical problems do happen. You can call back when ready — there is no waiting period between attempts.
If you need to speak to a person instead of using the automated system, stay on the line after the system answers and ask to be transferred to a representative. Bank of America customer service is available 24/7, though wait times are longer during business hours. A representative can process your payment the same way the automated system does, and can also answer questions about your account or payment options.
If you are having trouble with the automated system because of a hearing or speech disability, Bank of America offers relay services. Call 1-800-435-7000 and ask for the relay service number for your state.
Why phone payments might be slower than other methods
Paying by phone takes longer to post than paying through your online account or mobile app, where payments can post within hours. Phone payments go through the same verification steps as in-person payments at a branch, which adds processing time.
If you are close to a due date and worried about late fees, paying through your online account is faster. Log into your Bank of America account, go to the credit card section, and select "Make a Payment" — most online payments post within a few hours on business days.
Phone payments are most useful when you do not have internet access, prefer not to enter payment information online, or want to speak to someone about your account at the same time.
Frequently Asked Questions
Can I pay someone else's Bank of America credit card by phone?
No. The automated system requires you to enter the card number, and the system only processes payments from the cardholder or an authorized user on the account. If you are an authorized user, you can call and pay the card. If you are not, you cannot use this method.
What if I want to set up automatic payments instead of calling each time?
Bank of America offers automatic payments through your online account or mobile app. You can set them to pay a fixed amount on a date you choose, or to pay your full statement balance automatically each month. This is faster than calling each time and reduces the risk of missing a due date.
Is there a fee for paying by phone?
No. Bank of America does not charge a fee for phone payments. The payment is free whether you use the automated system or speak to a representative.
Can I pay my credit card from a credit card instead of a bank account?
The phone system accepts debit cards and bank accounts, not credit cards. If you try to enter a credit card number, the system will reject it. You must pay from a debit card or bank account.
What if I call after the cutoff time — can I still pay today?
The payment will process, but it will post the next business day instead of today. If you need the payment to post today, you will need to pay through your online account or mobile app before the cutoff, or visit a Bank of America branch in person before they close.