Why your bank needs your current contact information

Your bank uses your phone number and address to reach you about fraud, large transactions, account changes, and password resets. If the number on file is outdated, the bank cannot warn you if someone tries to access your account, and you will not receive security codes when you log in from a new device. Updating this information takes 10 to 15 minutes and can be done online, by phone, or in person at a branch.

The process differs slightly depending on whether you are changing a phone number, a mailing address, or both. Most banks let you make these changes when ready through their website or app, though some require a phone call or branch visit to verify your identity first.

Key Takeaways

  • You can update your phone number or address through your bank's website, mobile app, or by calling the number on the back of your card.
  • The bank will ask you to verify your identity before making changes, usually by answering security questions or confirming recent transactions.
  • Changes to your phone number take effect when ready, but mailing address changes may take one to three business days to process.
  • If you are changing your phone number because you lost your old phone, tell the bank this so they can flag your account for fraud monitoring.

Changing your number through online banking

Log into your bank's website or app and look for a section called "Account Settings," "Profile," "Personal Information," or "Contact Information." The exact name varies by bank. Once you find it, you will see fields for your phone number and mailing address. Click the phone number field, delete the old number, and type the new one. Most banks will send a verification code to your new number or email address to confirm the change is real.

Enter the code when prompted. The bank may also ask you to answer a security question or confirm the last four digits of your Social Security number. Once you verify, the change is usually live within minutes. Check your account settings again to confirm the new number appears correctly.

Changing your number by phone

Call the customer service number on the back of your debit or credit card. Have your account number, the last four digits of your Social Security number, and your current address ready. Tell the representative you want to update your phone number. They will ask you to verify your identity by answering security questions or confirming recent transactions on your account.

Once verified, the representative will update your number in the system. Ask them to read the new number back to you to confirm it was entered correctly. The change takes effect when ready, though you may not see it reflected in your online account for a few hours.

Changing your address in person at a branch

Walk into any branch of your bank with a government-issued ID and your debit card. Tell the teller you need to update your mailing address. They will verify your identity and make the change on the spot. This is the fastest way if you are already at a branch, and it eliminates any chance of a typo because the teller can see your ID.

If you are changing your address because you moved, bring a piece of mail showing your new address — a utility bill, lease, or mortgage statement works. Some banks require this as proof of your new location. The teller will update your account and give you a receipt showing the change.

What happens if you change your phone number but do not tell your bank

If your bank still has your old phone number on file and you get a new phone, you will not receive text message codes when you log in from a new device or try to reset your password. You will be locked out of your account until you call the bank to verify your identity and update your number. This can take 30 minutes to an hour.

More importantly, if someone fraudulently accesses your account, the bank will try to reach you at the old number to warn you. You will miss that alert. Update your phone number as soon as you change it, even if you plan to keep the old number active for a few weeks.

Changing your number after losing your phone

If you lost your phone and cannot receive text codes, call your bank when ready from another phone. Tell them you lost your device and need to update your phone number. The bank will ask you to verify your identity through security questions or by confirming transactions. Once verified, they will update your number and may place a temporary fraud alert on your account.

Some banks will also ask you to change your online banking password during this call as an extra security step. This is normal and protects your account while your old phone is missing. Once you have a new phone and a new number, the bank can remove the fraud alert.

Timing and what to expect

Phone number changes take effect when ready when done online or by phone. You should be able to log in and see the new number in your account settings within minutes. Mailing address changes can take one to three business days to process, especially if you change them on a weekend or holiday.

If you changed your phone number and need to log in before the change processes, use your email address instead of your phone number to receive your security code. Most banks let you choose which method to use when you sign in.

Frequently Asked Questions

Can I change my phone number online if I do not have access to my old phone?

Yes. Call your bank from any phone and tell them you no longer have access to your old number. They will verify your identity through security questions or by confirming recent transactions, then update your number over the phone. You do not need the old phone to make this change.

Will changing my phone number affect my online banking password?

No. Your password stays the same. Your phone number is only used for receiving security codes and for the bank to contact you. Changing one does not change the other. You can update your password separately if you want to.

What if the bank says my new address is invalid?

The bank's system may reject addresses that do not match postal service records. If this happens, try entering your address exactly as it appears on your lease or mortgage documents, including apartment or unit numbers. If it still does not work, call the bank and have a representative enter it manually.

How long does it take to change my mailing address?

Phone number changes are when ready. Mailing address changes usually take one to three business days. If you need to receive mail from your bank right away, ask the representative when the change will be live before you leave the branch or hang up the phone.

Do I need to update my phone number with my credit card company separately?

If your credit card is issued by the same bank as your checking account, one update usually covers both. If your credit card is from a different bank, you will need to update that bank separately. Check your credit card statement to see which bank issued it.