Bank of America's main customer service number is 1-800-432-1000

That number works for most account questions, fraud reports, and general support. It's available 24 hours a day, seven 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 call volume. Early morning (before 9 a.m. ET) and weekday afternoons tend to be slower. Evenings and weekends can mean longer holds. If you're calling about a time-sensitive issue like fraud or a locked account, mention that when the system asks what you need — it may route you faster.

Key Takeaways

  • Bank of America's main number is 1-800-432-1000, open 24/7 for account support, fraud reports, and general questions.
  • Different departments have separate numbers: credit cards use 1-800-421-8949, mortgages use 1-800-209-5960, and investment accounts use 1-800-642-8855.
  • You can also reach Bank of America through their website chat, mobile app, or by visiting a local branch during business hours.
  • Have your account number or Social Security number ready when you call, as representatives will ask for it to pull up your account.
  • If you're reporting fraud or a compromised card, the system will prioritize your call and may connect you to a fraud specialist when ready.

Numbers for specific departments and services

Bank of America routes different services through different phone lines. If you have a credit card question, call 1-800-421-8949. For mortgage or home equity line of credit issues, use 1-800-209-5960. Investment and brokerage accounts go through 1-800-642-8855. Small business banking has its own line at 1-800-869-3557.

These specialty numbers often have shorter wait times than the main line because fewer people call them. If you're unsure which number fits your issue, the main line (1-800-432-1000) can transfer you to the right place, though that adds a few minutes to your call.

What to have ready before you call

Bank of America's system will ask for your account number or the phone number associated with your account. If you don't have either, you can provide your Social Security number instead. Having this information ready before you call cuts your wait time by several minutes because the representative can pull up your account while you're still on hold.

If you're calling about a specific transaction, have the date and amount. If you're reporting fraud, have a list of the fraudulent charges or the card number if it was compromised. If you're calling about a loan or mortgage, have your loan number. The more details you provide upfront, the faster the representative can help.

Alternatives to calling

Bank of America's website has a chat feature available during business hours (usually 8 a.m. to 8 p.m. ET on weekdays, with limited weekend hours). The mobile app also has a chat option and lets you message your local branch directly. For non-urgent questions, email through your online account dashboard may be faster than calling, though responses typically take 24 to 48 hours.

If you need to speak to someone in person, you can visit any Bank of America branch. Most branches are open Monday through Friday 9 a.m. to 5 p.m., with limited Saturday hours. Call ahead to confirm your local branch's hours, especially if you're going on a weekend or holiday.

What happens when you call about fraud or a compromised card

If you report fraud or say your card is compromised, the automated system will flag your call as urgent. You'll typically reach a fraud specialist within a few minutes rather than waiting in the general queue. The specialist can freeze your card when ready, issue a replacement, and file a dispute for fraudulent charges.

Bank of America will send you a new card within 7 to 10 business days. If you need cash before the card arrives, ask the specialist about emergency cash options — some accounts can access funds through ATMs or temporary card numbers while you wait. Document the date and time of your call and the name of the specialist you spoke with, in case you need to reference the report later.

If you can't reach anyone or the wait is too long

If the phone lines are backed up, try calling back 30 minutes later or during off-peak hours (early morning or late evening). If you're calling about a time-sensitive issue and can't get through, use the chat feature on the website or mobile app instead — it often has shorter wait times than phone support.

For issues that aren't urgent, sending a find message through your online account or visiting a branch in person may be faster. If you're having trouble with the automated system or need a human representative when ready, say "representative" or "agent" when prompted, rather than describing your issue — this sometimes bypasses the routing menu.

Frequently Asked Questions

Is there a number for Bank of America customer service that doesn't use an automated system?

No — all Bank of America phone lines start with an automated system. However, you can skip through it faster by saying "representative" or "agent" when prompted, or by pressing 0 repeatedly. Once you reach a human, they can transfer you to a specialist if needed.

What's the best time to call Bank of America to avoid a long wait?

Early weekday mornings (7 a.m. to 9 a.m. ET) and late evenings (after 7 p.m. ET) typically have shorter waits. Avoid calling on Mondays, right after a holiday, or during lunch hours (noon to 1 p.m.). Weekends are usually slower than weekdays.

Can I schedule a callback instead of waiting on hold?

Some Bank of America departments offer callback options through the automated system. When you call, listen for the option to request a callback at a specific time. If it's not offered, ask the representative if they can schedule one for you.

What if I'm calling from outside the United States?

Bank of America has international phone numbers for customers calling from abroad. Check your account statement or the Bank of America website for the number for your country. International calls may incur long-distance charges depending on your phone plan.

Do I need to call during business hours for a fraud report?

No — the fraud line is available 24/7. Call 1-800-432-1000 any time, day or night, and the system will route you to a fraud specialist when ready. The sooner you report fraud, the sooner your card can be frozen and a dispute filed.