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 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 update the same account record, so the address you set will appear on statements, tax documents, and account confirmations.

You'll need your account number or the card number linked to the account, plus a way to prove who you are. If you're changing the address for a joint account, both account holders can make the change independently — you don't need permission from the other person. If you're updating an address for a minor's account or a power of attorney situation, the rules differ slightly, and you'll need to call or visit a branch.

Key Takeaways

  • Online changes through your Bank of America account take effect within one business day and require only your login credentials and the new address.
  • Phone changes require you to verify your identity by answering security questions or providing a code sent to your phone or email.
  • In-branch changes let you update your address when ready with a teller, but you'll need a government-issued ID.
  • Address changes on your account do not automatically update your mailing address for tax documents like 1099s — you may need to contact the IRS separately if your tax address differs.
  • If you have multiple accounts at Bank of America, each account has its own address on file, so you'll need to update them 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 (usually found in the menu or profile section), then select "Profile" or "Personal Information." Look for "Address" or "Mailing Address" and click Edit. Type in your new street address, city, state, and ZIP code. Bank of America will ask you to confirm the change before saving it.

The system will show you which accounts the new address applies to. If you have a checking account, savings account, and credit card all linked to the same profile, they may all update at once — or you may see options to update them separately. Read the confirmation screen carefully so you know which accounts changed. Once you submit, you'll see a confirmation message on screen. The address typically updates within one business day, though it can take up to two business days for the change to appear on all your statements and documents.

Changing your address by phone

Call Bank of America customer service at 1-800-432-1000. Have your account number or card number ready. The representative will ask you to verify your identity by answering security questions (usually about your account history or personal details) or by confirming a code sent to your phone or email. This step takes a few minutes but is required for any phone-based change.

Once verified, tell the representative your new address and confirm it back to them letter by letter to avoid typos. Ask them to confirm which accounts the change applies to — if you have multiple accounts, you may need to specify which ones you want updated. The representative will give you a confirmation number. Write it down. The address change usually takes effect within one business day, though some accounts may take longer if they're linked to other Bank of America services.

Changing your address in person at a Bank of America branch

Visit any Bank of America branch with a government-issued ID (driver's license, passport, or state ID). Tell the teller you want to update your address on file. They will ask which account or accounts you want to change. Bring your account number or debit card if you have it, though the teller can look it up with your ID.

The teller will update your address in the system while you wait. The change takes effect when ready in the branch system, though it may take one business day to show up on statements and online. You'll receive a receipt or confirmation. This method is useful if you're already at a branch or if you prefer to handle it face-to-face, but it's not faster than the online method.

What happens to your address after you change it

Your new address will appear on future bank statements, account confirmations, and letters from Bank of America. It will also be used as the default mailing address for any new cards or documents the bank sends you. If you have automatic bill pay set up through your account, the address change does not affect where bills are sent — those go to the payee's address, not yours.

Important: changing your address with Bank of America does not automatically update your address with the IRS for tax purposes. If you receive a 1099 form (interest income, dividend income, or other taxable income reported by the bank), it will still go to the old address unless you update it separately with the IRS. You can do this through IRS Form 8822 or by calling the IRS directly. If you're expecting a tax document, contact Bank of America's tax department or your branch to confirm which address they have on file for tax reporting.

Updating your address for joint accounts and special situations

If your account is joint (shared with another person), either account holder can change the address independently. The new address will explore to both people's statements and documents. You don't need permission from the other account holder, and they will see the change reflected in their account the next time they log in.

If you're updating an address for a minor's account, a power of attorney account, or a trust account, you cannot do it online — you must call 1-800-432-1000 or visit a branch in person. Bring documentation showing your authority (power of attorney document, guardianship papers, or trust agreement). The representative will verify the documents before making any changes. This process takes longer because the bank needs to confirm you have the legal right to change the account.

Fixing mistakes and what to do if the change doesn't go through

If you made a typo in your new address and caught it right away, log back into your account or call customer service and correct it. There's no penalty for changing it multiple times. If the address didn't update after two business days, log in and check whether the change actually saved. Sometimes the system requires you to confirm the change in an email sent to your registered email address — check your inbox and spam folder.

If you changed your address but your statements are still going to the old address after three business days, call customer service at 1-800-432-1000. Have them confirm what address is currently on file. If there's a mismatch, they can force an update or investigate whether the change got stuck in the system. Keep your confirmation number from the original change request so you can reference it.

Frequently Asked Questions

Does changing my address with Bank of America change it everywhere else?

No. Your Bank of America address is separate from your address with the IRS, your employer, the post office, and other institutions. You'll need to update your address with each organization separately. If you're moving, make a list of all the places that have your address on file and update them one by one.

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

Bank of America uses one address for both mailing and billing purposes. If you need statements sent to a different location than your billing address, you can set up a separate mailing address by calling customer service at 1-800-432-1000. They can add a second address to your account for specific purposes, though this varies by account type.

What if I'm changing my address because I'm moving internationally?

Bank of America can update your address to an international location, but some services may be restricted depending on the country. Call 1-800-432-1000 to discuss your move. They'll confirm whether your account can stay open and whether any services (like online banking or bill pay) will be affected. You may also need to update your phone number and email address if you're getting new ones in your new country.

How long does it take for my new address to show up on my debit card?

Changing your address on file does not reprint your debit card. Your existing card will continue to work with the old address printed on it. If you want a new card with your updated address printed on it, you can request one through your online account or by calling customer service. A new card typically arrives within 7 to 10 business days.

Will changing my address affect my credit score?

No. Updating your address with Bank of America does not affect your credit score. Credit bureaus track your address as part of your file, but the change itself is not reported as a credit event. Your credit score is based on payment history, credit utilization, and other factors — not on where you live.