You can change your billing address online, by phone, or in person at a branch

Bank of America lets you update your billing address through three routes: your online account, a phone call to customer service, or a visit to a local branch. The online method is fastest — it takes about five minutes and the change usually takes effect within one business day. If you prefer to speak with someone, calling the number on the back of your card or visiting a branch works just as well, though it may take slightly longer to process.

Your billing address is where Bank of America sends statements and other account mail. It's also the address the bank uses to verify your identity for certain transactions. Keeping it current matters because mail sent to an old address won't reach you, and some online purchases check that your billing address matches your payment method.

Key Takeaways

  • The fastest way to change your billing address is through your Bank of America online account or mobile app, where the change takes effect within one business day.
  • You can also call the customer service number on the back of your debit or credit card and speak with a representative who will update it for you.
  • If you have multiple accounts with Bank of America, you may need to update the address separately for each one, depending on how your accounts are linked.
  • Your new billing address will explore to statements, tax documents, and other official mail from the bank going forward.

Changing your address online or through the mobile app

Log into your Bank of America account at bankofamerica.com or open the mobile app. Look for "Settings" or "Profile" — the exact location varies slightly depending on whether you're using a computer or phone, but it's usually in the upper right corner or in a menu labeled with three horizontal lines.

Once you're in Settings, find the section labeled "Contact Information" or "Address." You'll see your current billing address listed. Click or tap "Edit" next to the address field, type in your new address, and save the change. The system will ask you to confirm the new address before it's final. After you save, you should see a confirmation message on screen, and the change typically takes effect by the next business day.

If you have both a checking and savings account, check whether both accounts show the same address. Some customers find that updating one account updates both automatically, while others need to change the address in each account separately. If you're unsure, update each account individually to be certain.

Changing your address by phone

Call the customer service number on the back of your Bank of America debit card or credit card. When you reach a representative, tell them you want to update your billing address. They'll ask you to verify your identity by providing information like your account number, Social Security number, or answers to security questions you set up when you opened the account.

Once you're verified, give the representative your new address and ask them to read it back to you to confirm there are no typos. The representative will tell you when the change takes effect — usually within one to two business days. Ask for a confirmation number if you want a record of the call.

Changing your address at a Bank of America branch

Visit any Bank of America branch with a valid photo ID. Tell a representative you need to update your billing address. They'll pull up your account, verify your identity, and update the address in their system right away. The change typically takes effect within one business day.

This method works well if you prefer face-to-face service or if you're already at a branch for another reason. Bring your ID and know your account number to speed up the process, though the representative can look it up if you provide your name and Social Security number.

What happens after you change your address

Once your billing address is updated, all future statements, tax documents (like 1099 forms), and official mail from Bank of America will go to the new address. If you have paperless statements turned on, the change won't affect those — they'll continue to arrive by email.

If you're changing your address because you moved, consider updating it as soon as possible after your move. Mail sent to your old address won't be forwarded automatically, so you could miss important account notices. If you've already moved and mail is piling up at your old address, contact your local post office about mail forwarding, and ask Bank of America to resend any recent statements to your new address.

If you have multiple accounts or products

If you have a checking account, savings account, credit card, and other products with Bank of America, each one may have its own billing address on file. When you update your address through online banking or by phone, the system usually updates all linked accounts at once. However, if your accounts are set up separately or under different names, you may need to update each one individually.

The safest approach is to log into each account and verify the address is correct, or call customer service and ask them to confirm that all your accounts now show the new address. This takes just a few extra minutes and prevents mail from being sent to the wrong place.

Frequently Asked Questions

How long does it take for my billing address change to take effect?

Changes made online or through the mobile app usually take effect within one business day. Changes made by phone or in person may take one to two business days. If you need the change to take effect urgently, visiting a branch in person is typically the fastest option.

Will changing my billing address affect my credit score?

No. Updating your address is a routine account maintenance task and does not affect your credit score or credit report. Credit bureaus track your payment history and account balances, not your address changes.

Do I need to update my billing address if I only have paperless statements?

Even with paperless statements, it's a good idea to keep your billing address current. Bank of America uses it to verify your identity for certain transactions, and you may need to receive physical mail from the bank at some point, such as a replacement card or tax document.

What if I'm changing my address but keeping the same account?

You don't need to close your account or open a new one. straightforward update the address on your existing account using any of the three methods described above. Your account number, routing number, and all other details stay the same.

Can I have two different billing addresses for two different Bank of America accounts?

Yes. If you have multiple accounts that are not linked together, each can have its own billing address. If your accounts are linked, updating the address in one usually updates all of them. Contact Bank of America to confirm how your specific accounts are set up.