You can change your address online, by phone, or in person at a branch
Bank of America lets you update your mailing address through your online account in minutes, or by calling customer service if you prefer to do it over the phone. The fastest route is the online method — you log in, find the settings menu, and confirm the change when ready. If you have accounts with multiple account types (checking, savings, credit card), you may need to update each one separately, depending on how they are linked.
The address you change is your mailing address, which is where Bank of America sends statements, tax documents, and notices. This is different from your physical address on file for fraud prevention purposes — that one requires a phone call or branch visit and involves identity verification. Most people only need to change the mailing address, which takes about two minutes online.
Key Takeaways
- The online method through your Bank of America account is the fastest way to change your mailing address and takes effect within one business day.
- If you have multiple account types, check each one separately because mailing addresses can be set individually for checking, savings, and credit card accounts.
- Changing your physical address for fraud prevention requires a phone call to customer service at 1-800-432-1000 and a form of government ID.
- After you change your address, verify it was updated correctly by checking your account settings again within 24 hours.
Changing your mailing address online
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are logged in, look for the settings or profile menu — this is usually in the top right corner of the screen or in the account menu. Select "Profile" or "Account Settings," then find the option for "Address" or "Contact Information."
Enter your new address in the fields provided. Bank of America will ask for your street address, city, state, and ZIP code. Double-check the spelling and numbers before you confirm, because a typo can delay mail. Click "Save" or "Confirm," and the system will show you a confirmation message. The change usually takes effect within one business day, though you may see it reflected when ready in your online account.
If you have a Bank of America credit card linked to a different account, log into that account separately and repeat the process. Credit card accounts sometimes have their own address settings that do not automatically sync with your checking account.
Changing your address by phone
Call Bank of America customer service at 1-800-432-1000. Have your account number and a form of government ID ready — the representative will ask you to verify your identity before making any changes. Tell them you want 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 it is correct. Ask them to note in your account that you have called to update it, so there is a record of the change. The update typically takes one to two business days to appear in the system. If you are changing the address because you moved recently, mention that — some representatives can flag your account to watch for fraud if a new address is added.
Updating your physical address for fraud prevention
Your physical address is different from your mailing address. It is the address Bank of America has on file to verify your identity and prevent fraud. If you moved and want to update this address as well, you must call customer service or visit a branch in person.
Call 1-800-432-1000 and tell the representative you want to update your physical address on file. They will ask you to verify your identity using information from your account, such as recent transactions or your Social Security number. Have a government-issued ID ready — a driver's license or passport works. The representative will confirm the new address and note when it was changed. This update takes one to two business days.
If you prefer to do this in person, visit any Bank of America branch with your ID. A representative can update both your mailing and physical address at the same time and can answer questions about how the address change affects fraud monitoring on your account.
What happens to your statements and documents after you change your address
Once your mailing address is updated, Bank of America will send future statements and notices to the new address. Statements that were already in the mail system before your change may still arrive at your old address — this can take a week or two depending on when the change was processed.
Tax documents like 1099 forms are sent based on the address on file as of December 31 of the tax year. If you change your address in January, your 1099 will still go to the old address. Contact Bank of America in December if you know you will need tax documents sent to a new address, or request a duplicate 1099 at the new address after you receive it at the old one.
If you are moving and want to make sure you do not miss any mail, consider setting up paperless statements through your online account. This way, you receive notifications by email instead of waiting for paper mail to arrive.
Changing your address on a joint account
If you have a joint account with another person, changing the mailing address affects both account holders. The new address will be used for all statements and notices sent to either of you. If the other account holder still lives at the old address, let them know the change is coming so they are not surprised when mail stops arriving.
If you and the other account holder have different mailing addresses and want statements sent to both, Bank of America does not automatically split mail between two addresses. You will need to contact customer service to discuss options, which may include setting up paperless statements for one person and paper statements for the other.
Frequently Asked Questions
How long does it take for my address change to show up?
Online changes usually appear in your account when ready, but mail sent to the new address typically starts within one to two business days. If you changed your address on a Friday, the system may not process it until Monday. Check your account settings 24 hours after the change to confirm it went through.
Will my old address still work if I give it to someone?
No. Once you change your mailing address, Bank of America will not send mail to the old address. If someone sends a check or document to your old address on file, it will not reach you. Make sure to update your address with any employers, insurers, or other organizations that send you mail related to your account.
Can I change my address through the mobile app?
Yes. The Bank of America mobile app has the same address change feature as the website. Log in, go to settings or profile, find the address option, and enter your new address. The process is the same as online, and the change takes effect within one business day.
What if I do not remember my online password?
You can reset your password on the Bank of America login page by clicking "Forgot Username or Password?" You will be asked to verify your identity using your account information. Once you reset your password, log in and change your address as described above. If you cannot reset it online, call customer service at 1-800-432-1000.
Do I need to change my address on my debit card?
No. Your debit card does not have an address printed on it, so there is nothing to change on the card itself. Changing your mailing address in your account is all you need to do. If you ordered a replacement card and want it sent to a new address, the system will use your current mailing address automatically.