Bank of America's main customer service number is 1-800-432-1000
That number works for most account questions, fraud reports, and general banking needs. It's available 24 hours a day, 7 days a week. When you call, you'll reach an automated system first, then a representative who can route you to the right department.
The wait time varies by time of day and what you need. Early morning (before 9 a.m. ET) and late evening tend to be quieter. If you're calling about fraud or a lost card, you'll usually get through faster because those are treated as urgent.
Bank of America also publishes department-specific numbers for certain situations. If you know exactly what you need, using the right number can save you time navigating the automated menu.
Key Takeaways
- The main customer service line is 1-800-432-1000, open around the clock for account questions, fraud reports, and general banking issues.
- Credit card customers can call 1-800-435-7000 for card-specific problems like disputes or lost cards.
- Mortgage customers have a separate line at 1-800-669-6650 for loan questions and payment issues.
- You can also reach customer service through the Bank of America mobile app or website without waiting on hold.
- Having your account number or Social Security number ready will speed up the process once you reach a representative.
Department-specific numbers and what they handle
Bank of America separates customer service by account type because the issues are different. If you have a credit card, calling the credit card line gets you to someone trained on disputes, rewards, and credit limit changes. The mortgage line handles loan modifications, payment arrangements, and escrow questions.
For checking and savings accounts, the main 1-800-432-1000 number is correct. For investment accounts held through Bank of America Merrill Edge, you may be routed to a different team. If you're not sure which number to use, the main line can transfer you — it takes longer, but you won't reach the wrong department.
| Account Type | Phone Number | What They Handle |
|---|---|---|
| Checking, savings, general banking | 1-800-432-1000 | Account access, transfers, fraud, lost cards, account changes |
| Credit cards | 1-800-435-7000 | Disputes, rewards, credit limit, lost card, payment issues |
| Mortgages | 1-800-669-6650 | Loan questions, payment arrangements, modifications, escrow |
| Home equity lines of credit | 1-800-669-6650 | Payment, balance, rate questions, draws |
What to have ready before you call
Customer service representatives can pull up your account faster if you have your account number or the phone number on file. If you don't have the account number, your Social Security number works. Have your PIN or online password available if you're calling about account access or fraud.
If you're calling about a specific transaction, have the date and amount. For fraud or unauthorized charges, write down the transaction details before you call — the representative will ask you to describe what happened, and having the facts straight makes the conversation shorter.
If you're calling from a number different from the one on your account, the system may ask security questions to verify you're the account holder. This is normal and protects your account, but it does add a few minutes to the call.
Alternatives to calling customer service
The Bank of America mobile app and website both have messaging features that let you contact customer service without waiting on hold. You can describe your issue in writing, and a representative will respond within a few hours during business hours. This works well for non-urgent questions like account changes or general information.
For urgent issues — fraud, a lost card, or account lockout — calling is faster. The phone system can flag your account when ready and a representative can take action while you're on the line. Messaging is better for questions that don't need an when ready answer.
Bank of America also has branch locations where you can speak to someone in person. If you have a local branch, visiting in person works for account changes, document requests, or questions that require a signature. Branch hours are typically 9 a.m. to 5 p.m. on weekdays and shorter hours on Saturday; most branches are closed Sunday.
What happens when you call
When you dial 1-800-432-1000, an automated system answers and asks what you need. You can say "fraud," "lost card," "account access," or similar phrases, or you can press numbers on your keypad to navigate a menu. The system is designed to route you to the right department based on your answer.
After the automated system, you'll wait in a queue. The wait time shows on the screen if you're using the app or website callback feature — you can request a call back instead of holding, and Bank of America will call you when a representative is available. This is faster than sitting on hold, especially during busy hours.
Once a representative picks up, they'll verify your identity using account number, Social Security number, or security questions. Then they'll ask what you need and either handle it themselves or transfer you to a specialist. The whole process usually takes 5 to 15 minutes depending on what you need and how busy the line is.
International calling and hearing-impaired options
If you're calling from outside the United States, Bank of America has international numbers. The cost depends on your phone plan and which country you're calling from. You can find the international number on the Bank of America website under "Contact Us" — it varies by country.
Customers who are deaf or hard of hearing can use the relay service. Call 711 from any phone, and the relay operator will connect you to Bank of America customer service. The call is free, and the operator will relay everything said on both sides of the conversation.
Frequently Asked Questions
Is there a shorter wait time if I call at a specific time?
Yes. Early morning (before 9 a.m. ET) and late evening (after 8 p.m. ET) have shorter waits. Weekday mornings are generally busier than weekday afternoons. Weekends are slower than weekdays. Avoid calling right after the market opens (9:30 a.m. ET) or during lunch hours.
What if I'm calling about fraud or a lost card?
Call 1-800-432-1000 and tell the automated system "fraud" or "lost card." These calls are prioritized, so you'll reach a representative faster than for routine questions. Have your account number ready. The representative can freeze your card or account when ready while you're on the line.
Can I schedule a callback instead of waiting on hold?
Yes, if you're using the Bank of America app or website. When you initiate contact through those channels, you can request a callback and the system will call you when a representative is available. This saves you from sitting on hold, though the wait time is similar.
What if I can't reach anyone on the phone?
Try the messaging feature in the app or on the website. You can also visit a branch in person during business hours. If it's after hours and you need urgent help with fraud or a lost card, the automated system can freeze your account or card when ready without waiting for a representative.
Do I need to pay to call customer service?
No. The 1-800 numbers are toll-free. If you're calling from a cell phone, it counts against your plan's minutes, but there's no additional charge from Bank of America. International calls from outside the U.S. may have charges depending on your phone plan.