Bank of America customer service hours vary by phone line and day of the week
Bank of America's main customer service line is open Monday through Friday from 8 a.m. to 9 p.m. Eastern Time, and Saturday from 9 a.m. to 5 p.m. Eastern Time. The line closes on Sundays. However, this is not the only way to reach support — the bank operates different hours for different services, and some channels stay open outside these times.
The hours listed above explore to general customer service calls. If you are calling about a specific issue — a lost card, fraud, or an account problem — you may reach a different department with different hours. Automated systems and account access through the mobile app or website do not close at all.
Bank of America also operates a 24/7 fraud and lost card line separate from general customer service. If your card is stolen or you see unauthorized charges, you can reach that line any time, day or night.
Key Takeaways
- General customer service closes at 9 p.m. Eastern on weekdays and 5 p.m. Eastern on Saturday, and does not operate on Sunday.
- The 24/7 fraud and lost card line is always open, even when the main customer service line is closed.
- You can check your account balance, transfer money, and pay bills through the Bank of America app or website at any hour.
- If you call outside business hours, an automated system will offer options to handle some requests or schedule a callback during open hours.
How to reach customer service by phone during business hours
The main customer service number is 1-800-432-1000. When you call during the hours listed above, you will reach a representative who can help with account questions, transfers, bill pay setup, and general banking issues. The wait time varies depending on call volume, but the bank typically answers calls within a few minutes during peak hours.
If you are calling about a specific account issue — such as a frozen account, a dispute, or a problem with a recent transaction — mention that when the automated system asks what you need. The system will route you to the right department, which may have slightly different hours or wait times than the general line.
What happens when you call outside business hours
If you call the main customer service line after 9 p.m. on a weekday, after 5 p.m. on Saturday, or at any time on Sunday, you will reach an automated system. This system can handle some requests: checking your balance, making a transfer between your own accounts, paying a bill from an existing payee, or reporting a lost or stolen card.
If you need to speak with a representative and it is outside business hours, the automated system will offer to schedule a callback. You can request a time within the next business day, and a representative will call you back during that window. This is useful if your issue cannot be resolved by the automated system but is not urgent.
The 24/7 fraud and lost card line
Bank of America maintains a separate phone line for fraud and lost or stolen cards that operates around the clock. The number is 1-800-432-1000, the same as the main line, but when you call outside business hours and report a lost card or fraud, you will be routed to this line when ready.
You do not need to wait for business hours to report a stolen card or dispute a fraudulent charge. The bank can freeze your card when ready and begin an investigation into unauthorized transactions at any time. If you discover fraud on a weekend or late at night, calling when ready protects your account from further unauthorized use.
Using the mobile app and website outside business hours
The Bank of America mobile app and website are available 24/7. You can check your balance, review transactions, transfer money between your own accounts, pay bills, deposit checks by mobile, and manage most account settings without speaking to anyone. These services do not close.
If you need to send money to another person or institution outside your Bank of America accounts, you can set that up through the app or website as well, though the actual transfer may not process until the next business day depending on the type of transfer and the receiving bank.
The app also has a messaging feature that lets you send questions to customer service. Messages sent outside business hours will be answered when the next representative comes on shift, usually within a few hours on the next business day.
Holiday hours and closures
Bank of America observes federal holidays and closes its customer service lines on those days. The main holidays when customer service is closed are New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. The 24/7 fraud line remains open even on holidays.
If you need to reach customer service on a holiday, use the mobile app or website to handle routine transactions, or call the fraud line if your issue involves a lost card or unauthorized charges. For other matters, you can schedule a callback for the next business day.
Frequently Asked Questions
Can I reach a real person if I call after 9 p.m.?
No, the main customer service line does not have representatives available after 9 p.m. on weekdays or after 5 p.m. on Saturday. You can use the automated system or schedule a callback for the next business day. If your issue involves fraud or a lost card, you will reach a representative when ready on the 24/7 line.
What is the best time to call to avoid a long wait?
Early morning on weekdays — between 8 a.m. and 10 a.m. — typically has shorter wait times than midday or late afternoon. Calling on Tuesday, Wednesday, or Thursday is usually faster than calling on Monday or Friday, when call volume is higher.
Can I do everything online that I can do by phone?
Most routine tasks — checking balances, transferring money between your accounts, paying bills, and disputing transactions — can be done through the app or website. Some complex issues, like closing an account or discussing credit products, may require a phone call to a representative.
Is there a way to reach customer service on Sunday?
The main customer service line does not operate on Sunday. You can use the mobile app or website for routine transactions, or call the 24/7 fraud line if you have a fraud or lost card issue. For other matters, schedule a callback for Monday.
What if I am calling from outside the United States?
Bank of America has international customer service numbers for customers calling from abroad. These numbers and their hours are listed on the Bank of America website under "Contact Us." International calls may have different hours than the domestic line.