The fastest way to change your address

You can change your address with Bank of America online through your account, by phone, or in person at a branch. The online method is fastest — it takes about five minutes and the change usually takes effect within one business day. If you use the phone or visit a branch, bring a government-issued ID with your current address on it, because the bank will ask to verify who you are.

The address you update is your mailing address — where Bank of America sends statements, cards, and notices. If you have multiple accounts with the bank, the address change applies to all of them at once. You do not need to update each account separately.

Key Takeaways

  • Online changes through your Bank of America account take effect within one business day and require no documents.
  • Phone changes take 24 to 48 hours and require you to verify your identity with personal information the bank has on file.
  • In-branch changes are when ready if you bring a government-issued ID matching your current address.
  • The address change applies to all your Bank of America accounts, not just one.
  • After you change your address, check that your new address appears correctly in your account within a few days.

Changing your address online

Log into your Bank of America account on the website or mobile app. Look for "Settings" or "Profile" — the exact location varies slightly between the website and app, but both have this option in the main menu. Select "Address" or "Contact Information," then enter your new address exactly as you want mail delivered to it.

The bank will ask you to confirm the change. Once you do, you will see a message saying the change is pending. Bank of America processes online address changes within one business day. You can check your account the next day to confirm the new address appears in your profile.

If you cannot find the address option in your account, call Bank of America customer service at the number on the back of your card. They can walk you through the steps for your specific account type.

Changing your address by phone

Call the customer service number on the back of your Bank of America card or debit card. Have your account number and a form of ID ready. The representative will ask you to verify your identity by answering questions about your account — they may ask for your Social Security number, date of birth, or details about recent transactions.

Once you are verified, tell the representative your new address. They will read it back to you to make sure it is correct. The change takes 24 to 48 hours to process. You will receive a confirmation by mail at your new address within a few days.

Changing your address in person at a branch

Visit any Bank of America branch with a government-issued ID that shows your current address — a driver's license or state ID card works. Tell the teller you need to update your mailing address. They will ask to see your ID and will update your address in the system while you wait.

In-branch changes take effect when ready. You will not need to wait for mail confirmation, though the bank may still send you a notice at your new address as a record of the change. If you do not have an ID with your current address on it, bring two other forms of ID and the teller can verify you that way, though the process may take longer.

What happens to mail already sent to your old address

Bank of America statements and notices sent before your address change goes into effect will arrive at your old address. If you have already moved, ask the person living there to mark the mail "return to sender" or "no longer at this address," and the post office will return it to the bank.

You can also contact Bank of America to request that they resend any statements or important documents to your new address. Call the number on the back of your card and ask for a reissue of recent statements. This is especially important if you are waiting for a new card or tax document.

Updating your address for a new card or replacement card

If you ordered a new card or a replacement card before you changed your address, the card will be mailed to the address on file at the time you ordered it. Once you update your address in your account, future cards will go to the new address.

If a card is already in the mail to your old address, contact Bank of America to ask if they can intercept it and reissue it to your new address. They cannot always do this, but it is worth asking. If the card arrives at your old address, you can pick it up from whoever lives there, or you can request a replacement card be sent to your new address.

Changing your address for online banking and alerts

Your mailing address and your email address for online banking are separate. Changing your mailing address does not change your email or phone number for account alerts. If you want to update your email address or phone number for alerts and notifications, go to Settings in your online account and look for "Contact Information" or "Notification Preferences."

Update your email and phone number there if they have changed. This ensures you continue to receive security alerts and account notifications at the correct contact information.

Frequently Asked Questions

How long does it take for my address change to show up in my account?

Online changes appear within one business day. Phone changes take 24 to 48 hours. In-branch changes are when ready. You should see the new address in your profile within a few days no matter which method you use.

Do I need to change my address with Bank of America if I moved but kept the same account?

Yes. Bank of America uses your mailing address to send statements, cards, and legal notices. If you do not update it, important mail will go to your old address. Change it as soon as you move.

What if I have a business account with Bank of America?

Business accounts follow the same process as personal accounts. You can change the address online, by phone, or in person. If you have questions specific to your business account, call the business banking number on your statements or card.

Can I change my address if I do not have a government ID?

Yes, but it is harder. In person, bring two other forms of ID with your name on them. By phone, the bank will ask more verification questions. Online, you may be able to change it if you can log into your account, though the bank may ask for additional verification.

Will changing my address affect my credit score or credit report?

No. Your address is not part of your credit score. Changing it with Bank of America does not affect your credit in any way.