Bank of America Customer Service

Phone Number & Getting a Rep

Bank of America Customer Service number

800-518-0479
Toll-free·Calls Customer Service·See main phone number & contact info
Q:

How do I talk to a human at this Bank of America number?

A:Calling this Bank of America number should go right to a real human being
Q:

Does this phone number work 24/7?

A:No. Hours for this phone number are Mon-Fri 9am-5pm EST. The least busy day is Monday, and the most busy day is Thursday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Bank of America Customer Service?

A:We don't expect that you will have to wait to talk to a person. This is a direct line.

All Bank of America customer service contact information

This is the #16 most popular Bank of America phone number out of 16. Click above to go back to the main customer service number and other contact information, including Bank of America email addresses, twitter handles, and live chat options.

More Bank of America Customer Phone Numbers

Customer Service

800-432-1000
Main phone number · Toll-free · Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Press 0#, then 0#, then 0, then 0 then 1, then 0# · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Online Banking

800-781-5393
Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone

Executive Customer Relations

704-386-5687
24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·

Online Banking/Bill Pay

877-768-9836
Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.)

Home Loans

800-285-6000
Toll-free · Mon-Fri 8am-9pm EST · Press "0" at every prompt for Mortgage Department · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Bankruptcy

800-669-5224
Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

Credit Cards

800-732-9194
Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Fraud Reporting

877-366-1121
Toll-free · Mon-Fri 8am-9pm EST · Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud. · Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Credit Cards

800-421-2110
Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Mortgages

800-669-6607
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

888-325-6435
Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number

Home Retention

877-327-9225
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

800-669-6076
Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative.

Fraud Detection

877-833-5617
Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

International Customer Service

315-724-4022
Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Bank of America phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Calling this Bank of America number should go right to a real human being
Here is how our research team describes the way the Bank of America phone system greets you: Just hold online until a representative picks up
In fact, much of this information on this page is superfluous because this Bank of America phone number is a direct line to a human being. The line is well-staffed and you should anticipate a very short wait on hold or none whatsoever, as long as you are calling during business hours.
We don't know of any phone menus you would encounter when calling either.

What are the hours and when should I call?

Bank of America operates the call center for this 800-518-0479 phone number Mon-Fri 9am-5pm ET. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 70,005 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Bank of America is Monday. The most busy day to call is Thursday. Again, this is based on a sample of 70,005 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Friday.

The best time to call

In summation, the best day to call Bank of America is Monday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Bank of America staffs the call center well on Monday.
Once again, please put this information in perspective because this phone number has no phone menu or long waits. It generally gets picked up right away if calling during their opening hours. If there is any way, it will typically be very short.

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Jan 9, 2024

Calling Bank of America for customer service questions or concerns can be tedious as wait times tend to be long. As a longtime customer of Bank of America and parent of a teenager, I decided to find out what banking options are available for students and teens. 

Upon calling, I was greeted by an automated recording letting me know that recent increased call volume was causing higher than usual hold times, and an associate would be with me as soon as possible. The recording also directed me to opt for self-service banking options on Bank of America's website or at local ATM machines. No other menu options were offered but I had some time to spare so decided to wait. 

While on hold listening to some pleasant music, the automated recording returned periodically to let callers know about Bank of America's products, accounts and online banking support. The recording also encouraged me to continue holding as all associates were assisting other customers and my call would be answered in the order it was received. 

By now, I'd been waiting on hold for at least 10 minutes, and considered hanging up to try again. Another recording informed me that I could access assistance through Bank of America's mobile banking app, which I don't currently use but considered getting the app while waiting on hold to see if that would lead to faster service. The recurring recordings continued to encourage me to keep holding as an associate would be with me soon. 

Finally, after close to 20 minutes of waiting, a customer service rep was on the line, apologizing for the wait and asking how they could help me. I explained my request of trying to find the right account to get my teenager started with banking and saving. The rep shared about Bank of America's Advantage SafeBalance Banking program that allows students and adults under age 25 to open a checking account without a monthly fee. Account holders receive a debit card to use at any bank or ATM in addition to being able to pay for checks if they'd prefer to use those.

Students and teens can also enroll in online banking with this kind of account, the rep explained, and have the ability to open a savings account as well. I asked the rep how to begin the process for opening an account and he suggested scheduling an appointment at a nearby branch to get started or applying online at the specific link he provided. I thanked him for his time and headed to the website to read about the process, which was anticipated to take about 10 minutes online. 

While the rep was helpful in providing the basic information I needed, the wait time was outrageously long so callers should be prepared to on hold for a while.

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
Back to Bank of America's main customer service phone number

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