You can change your address online, by phone, or in person at any Bank of America branch

Bank of America lets you update your mailing address through three routes: your online account, a phone call to customer service, or walking into a branch. The online method is fastest — it takes minutes and the change usually takes effect within one business day. Phone and in-person changes work the same way but require you to verify your identity first, which adds time. All three routes are free.

The address you change is your mailing address, which is where Bank of America sends statements, tax forms, and notices. This is separate from the address on your ID or driver's license — changing your address at the bank does not change those documents. If you need to update the address linked to your account for fraud prevention or security reasons, that happens through the same process.

Key Takeaways

  • Online changes through your Bank of America account take effect within one business day and require no phone call or branch visit.
  • You will need your account number, Social Security number, and date of birth to verify your identity by phone or in person.
  • Changing your address at the bank does not update your ID, driver's license, or other government documents — those require separate changes.
  • If you have multiple accounts, you can change the address for all of them at once or update each one separately.

Changing your address online through your Bank of America account

Log into your Bank of America account on the website or mobile app. Go to Settings, then select Profile or Account Settings (the exact label varies by app version). Look for "Address" or "Mailing Address" and click Edit or Change. Type in your new address, confirm it is correct, and submit. Bank of America will send you a confirmation email within minutes.

The change takes effect within one business day. If you have multiple checking, savings, or credit card accounts, you can update all of them at once from the same settings page — the bank ties them to one mailing address by default. If you want different accounts to have different addresses, you will need to contact customer service by phone, because the online system does not support that.

Changing your address by phone

Call Bank of America customer service at 1-800-432-1000. Have your account number, Social Security number, and date of birth ready. Tell the representative you want to update your mailing address. They will ask you to confirm your identity using those details, then ask for your new address. Repeat it back to them to make sure they have it right.

The representative will tell you the change is complete and will take effect within one to two business days. Ask them to email or mail you a confirmation, though they are not required to do so. If you call outside business hours (Monday through Friday, 8 a.m. to 8 p.m. Eastern time), you will reach an automated system that can route you to a callback or let you try again during business hours.

Changing your address in person at a Bank of America branch

Walk into any Bank of America branch with a photo ID. Tell a teller or banker you want to update your mailing address. They will ask for your account number and will verify your identity using your ID. Provide your new address and ask them to read it back to you. They will process the change on the spot.

The change takes effect within one to two business days. Ask for a receipt or written confirmation — some branches provide it automatically, others only if you ask. If the branch is busy, you may wait 10 to 20 minutes. If you do not have a photo ID with you, the teller will ask you to come back with one or will direct you to call customer service instead.

What happens if you move and do not update your address

Bank of America will continue sending statements and tax forms to your old address. If mail piles up there, you will not see important notices about account changes, fraud alerts, or tax documents you need for filing. The bank may also flag your account as a security risk if mail starts bouncing back, which can temporarily freeze certain transactions.

If you have moved and realize you missed statements or notices, contact Bank of America when ready. They can resend recent statements and tax forms to your new address. If you suspect someone else has been accessing your old mail, report it to the bank and to the U.S. Postal Service through their mail theft form at USPS.com.

Updating your address for fraud prevention and security

When you change your mailing address, Bank of America also updates the address on file for fraud detection. This means the bank uses your new address to verify transactions and to contact you if something looks suspicious. You do not need to take a separate step — the mailing address change covers this.

If you want to add an extra layer of security, you can set up text or email alerts for transactions over a certain amount. This is separate from your address change but works alongside it. Go to Settings in your online account, select Alerts, and choose what you want to be notified about. These alerts go to the phone number and email address on file, which you can also update in the same Settings menu.

Changing your address if you have a business account

Business accounts follow the same process as personal accounts, but you will need to verify your identity as an authorized signer on the account. Call 1-800-869-3557 (the business customer service line) or visit a branch. Have your account number, Tax ID or Social Security number, and date of birth ready. The representative will confirm you are authorized to make changes and will process the address update the same way.

If multiple people are authorized on the account, any of them can request an address change. The change applies to the entire account, not to individual signers. If you want different addresses for different purposes (such as a mailing address and a billing address for a line of credit), contact business customer service to see what options are available for your account type.

Frequently Asked Questions

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

Online changes take effect within one business day. Phone and in-person changes take one to two business days. Bank of America counts business days as Monday through Friday, excluding federal holidays. If you change your address on a Friday evening, expect it to be live by Monday morning.

Do I need to update my address at other places if I change it at Bank of America?

Yes. Changing your address at the bank only affects mail from Bank of America. You will need to update your address separately with your employer, the IRS, your state's DMV, insurance companies, and any other organizations that have your information. The bank does not share address changes with anyone else.

What if I do not remember my online password?

Go to the Bank of America login page and click "Forgot username or password?" Follow the prompts to reset it using your email address or phone number. You can then log in and change your address. If you cannot reset it online, call 1-800-432-1000 and a representative can help you regain access to your account.

Can I change my address if I do not have my account number?

Yes. In person, bring your photo ID and the teller can look up your account. By phone, provide your Social Security number and date of birth instead. Online, you will need to log in, which requires your username and password — if you do not have those, reset your password first using your email address.

Will changing my address affect my credit score?

No. Address changes do not appear on your credit report and do not affect your credit score. The only thing that changes is where Bank of America sends your mail and how they contact you about your account.