You can change your address online, by phone, or in person at a 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 about five minutes and the change usually takes effect within one business day. If you call or visit in person, the timing is the same, but you'll need to speak to someone directly.

Your address change affects all the accounts linked to your Bank of America login — checking, savings, credit cards, and loans. If you have accounts under different Social Security numbers or as a business owner, each one may need a separate update. The bank uses your address to send statements, tax documents, and legal notices, so updating it matters even if you receive statements online.

Key Takeaways

  • Online address changes through your Bank of America account take effect within one business day and require no phone call or branch visit.
  • You can change your address by phone at 1-800-432-1000 or in any Bank of America branch during business hours.
  • Your new address applies to all deposit and credit accounts under your login unless you have separate accounts under different names or tax IDs.
  • If you have a mortgage or auto loan, confirm whether the address change applies to those accounts or if they require a separate update.
  • The bank will mail tax documents (1099s, 1098s) and legal notices to your new address once the change processes.

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 (usually a gear icon), then select Profile or Account Settings. Look for the option labeled Address or Mailing Address. Enter your new street address, city, state, and ZIP code. Review the information for accuracy — a typo here means mail goes to the wrong place — then confirm the change.

The system will ask you to verify your identity, usually by confirming recent transactions or answering security questions you set up earlier. Once verified, the change is submitted. Bank of America typically processes online address changes within one business day. You'll receive a confirmation email or in-app notification when the update is complete. If you don't see confirmation within 24 hours, log back in and check whether the address shows as updated in your profile.

Changing your address by phone

Call Bank of America customer service at 1-800-432-1000. Have your account number and a form of ID ready — the representative will ask you to verify your identity before making any changes. Tell them you need to update your mailing address and provide the new address clearly, spelling out the street name and confirming the ZIP code.

The representative will read the address back to you to confirm accuracy. Ask them to note in your account that you've called to update it, so there's a record if something goes wrong. The change takes effect within one business day. Request a confirmation number or ask them to send you a written confirmation to your email on file. This gives you proof of when you made the change if you need it later.

Changing your address at a Bank of America branch

Visit any Bank of America branch during business hours. Bring a government-issued ID and your account number or debit card. Tell a representative you need to update your mailing address. They'll pull up your account, confirm your identity, and enter the new address into the system while you're there.

Branch staff can update your address on the spot, and the change usually takes effect the same day or by the next business day. This route works well if you're already at a branch or prefer to handle it face-to-face. Ask for a receipt or written confirmation showing the old and new addresses — some branches print this automatically, others require you to ask.

What happens to mail and documents after you change your address

Once your address change processes, Bank of America will send future statements, notices, and tax documents to your new address. If you've set up paperless statements, this doesn't affect that — you'll still receive statements online. However, legal notices, tax forms (1099s for interest earned, 1098s for mortgage interest), and some promotional mail still go to your mailing address on file.

If you're worried about mail in transit to your old address, contact the U.S. Postal Service and file a change of address form with them as well. This redirects mail from your old address to your new one for up to 12 months. Bank of America won't automatically forward mail — the postal service handles that separately. Some documents, like tax forms, may take several weeks to arrive after the year ends, so make sure your address is updated well before tax season.

Updating your address for mortgages, auto loans, and credit cards

If you have a Bank of America mortgage or auto loan, the address change may or may not explore to those accounts automatically. Mortgages and auto loans are sometimes managed by separate divisions within the bank, so confirm by calling the loan servicer directly or logging into the loan account separately if it has its own portal. The same applies to Bank of America credit cards — they usually update with your main account, but it's worth confirming.

Call the number on the back of your credit card or mortgage statement to verify the address has changed. This takes two minutes and prevents important loan documents from going to your old address. If you have a home equity line of credit (HELOC) or other products, check each one separately to be sure.

Timing and what to expect

Bank of America processes address changes within one business day for online and phone updates, and usually the same day or next day for branch visits. "Business day" means Monday through Friday, excluding federal holidays. If you submit a change on Friday evening, expect it to process by Monday.

Once the change is live, you can log into your account and see the new address in your profile. If you don't see it updated within two business days, call customer service to confirm it went through. Occasionally a change doesn't process due to a system error or incomplete information — a quick call clears this up. Keep any confirmation numbers or emails you receive, in case you need to reference when you made the change.

Frequently Asked Questions

Do I need to update my address with the post office too?

Yes. Bank of America's address change only updates their records. To redirect mail from your old address to your new one, file a change of address form with the U.S. Postal Service online at usps.com or at your local post office. This redirects mail for up to 12 months and catches mail from any sender, not just your bank.

Will changing my address affect my account number or routing number?

No. Your account number and routing number stay the same. Only your mailing address changes. If you've set up direct deposit or automatic payments, those continue without interruption.

What if I have multiple Bank of America accounts under different names?

Each account with a different name or tax ID may need a separate address update. Log into each account individually and update the address for each one. If you're unsure whether accounts are linked, call customer service and ask them to confirm which accounts share the same address on file.

Can I have a different mailing address than my physical address?

Yes. Bank of America allows you to enter any mailing address — a PO box, a business address, or an address different from where you live. Enter whichever address you want mail sent to. Just make sure it's accurate so statements and documents reach you.

How long does it take for tax documents to arrive at my new address?

Tax forms like 1099s and 1098s are mailed in January and early February. If you change your address before the end of December, they should go to your new address. If you change it after the bank has already printed and mailed forms, they may go to your old address. Contact Bank of America in January if you don't receive expected tax documents within a few weeks of the important date.