Bank of America's main customer service number
Bank of America's general customer service phone number is 1-800-432-1000. This number works for most account questions, balance checks, and general banking needs. You can call it 24 hours a day, seven days a week.
When you call, you'll hear an automated menu that asks what you need. You can say your request out loud or press numbers on your keypad. The system will route you to the right department or let you handle your request through the automated system itself.
Bank of America also has different numbers for specific situations — if you're calling about a credit card, mortgage, or investment account, a different line may get you to the right team faster. Those numbers appear below.
Key Takeaways
- The main Bank of America customer service number is 1-800-432-1000 and operates 24 hours daily.
- Credit card customers can call 1-800-435-7000, and mortgage customers can reach 1-800-209-6000.
- Have your account number or Social Security number ready when you call, as the system will ask for it.
- If you're calling about fraud or a lost card, tell the automated system when ready so you reach the right team without delay.
Phone numbers for specific account types
Bank of America routes different account types to different departments. If you know which type of account you're calling about, using the specific number below can save you time navigating the main menu.
| Account Type | Phone Number |
|---|---|
| Credit cards | 1-800-435-7000 |
| Mortgages and home loans | 1-800-209-6000 |
| Investment and brokerage accounts | 1-800-432-1000 (then select investment option) |
| Business banking | 1-800-869-3557 |
| General checking and savings | 1-800-432-1000 |
If you're not sure which category your account falls into, the main number 1-800-432-1000 will get you to someone who can help you find the right department.
What to have ready before you call
Bank of America's system will ask for information to pull up your account. Having these details ready before you dial makes the call faster and means you won't have to repeat yourself.
You'll typically need either your account number or your Social Security number. If you're calling about a credit card, a debit card, or a loan, have that card or loan number handy as well. If you're calling from a phone number different from the one on file with your account, the system may ask security questions instead.
Write down what you need to ask about before you call. If you're reporting fraud or a lost card, mention that right away when the automated system asks what you need — it will route you to the fraud team without making you wait through other options.
When to call versus using other contact methods
Phone calls work best for urgent issues or when you need to speak to a person. If your debit card was stolen, your account shows a transaction you didn't make, or you need to dispute a charge, calling gets you to someone who can act when ready.
For routine questions — checking your balance, reviewing recent transactions, or making a payment — Bank of America's website or mobile app are often faster. You can log in anytime and handle these tasks without waiting on hold. The app also lets you deposit checks by taking a photo, transfer money between accounts, and set up automatic payments.
If you prefer written communication or have a complex issue, you can also visit a Bank of America branch in person or use the find message feature in your online account to contact customer service.
What happens when you call outside business hours
Bank of America's main line is open 24 hours, but the wait time and which departments are staffed changes depending on when you call. Late night and early morning calls may have longer wait times, and some specialized departments (like mortgage or investment services) may not have staff available at 2 a.m.
If you reach the automated system and your issue is urgent, you can usually stay on the line and wait for a representative, or you can hang up and try again during regular business hours (typically 8 a.m. to 8 p.m. in your time zone). For fraud or lost cards, representatives are available around the clock.
Frequently Asked Questions
Do I need to be a Bank of America customer to call their customer service line?
Yes, you need to have an account with Bank of America to reach their customer service. If you're calling about opening an account, you can dial 1-800-432-1000 and select the option for new accounts, or visit a branch or the website to start the process.
What if I'm calling from outside the United States?
Bank of America's customer service numbers are designed for calls within the U.S. If you're calling from another country, you may face long-distance charges. Contact your phone provider for the international dialing code, then dial 1-800-432-1000. Some international customers can also reach Bank of America through their website's find message system.
Can I schedule a callback instead of waiting on hold?
Some Bank of America departments offer callback options during peak hours. When you call, listen to the menu options — if a callback is available, the automated system will offer it. You can also visit a local branch to schedule an appointment with a banker who can help with your issue.
What if I'm hearing impaired or deaf?
Bank of America provides relay services for customers who are deaf or hard of hearing. Call the relay service in your state and provide them with Bank of America's customer service number. The relay operator will connect you and relay the conversation between you and the bank.