Change Your Billing Address Online or by Phone
You can change your billing address at Bank of America through your online account, mobile app, or by calling customer service. The online method takes about five minutes and requires you to log in with your username and password. If you use the phone, have your account number and a form of ID ready.
Bank of America sends statements, tax documents, and account notices to your billing address on file. Updating it ensures you receive important mail and helps prevent fraud — if someone has your old address, they could intercept statements or cards sent there.
Key Takeaways
- Log into your Bank of America online account, go to Settings, and select the account you want to update to change your billing address yourself in minutes.
- You can also call Bank of America customer service at the number on the back of your card and provide your new address over the phone.
- Changes made online usually take effect when ready, but mail delivery to your new address may take several business days to begin.
- If you have multiple accounts, you may need to update the billing address separately for each one, depending on how your accounts are linked.
- Updating your billing address does not automatically change your mailing address for statements unless you specifically request that change.
Update Your Address Through Online Banking
Log into your Bank of America account at bankofamerica.com. Click on your profile icon or name in the top right corner, then select "Settings" or "Profile Settings" depending on your account type.
Find the section labeled "Addresses" or "Contact Information." Select the account you want to update — if you have a checking account, savings account, and credit card, each may have its own billing address setting. Click "Edit" or "Change Address" next to the billing address field. Enter your new street address, city, state, and ZIP code. Review the information for accuracy, then click "Save" or "Confirm."
The change takes effect when ready in your online account. However, if you have automatic bill pay set up or recurring charges, verify that the address is correct before your next billing cycle to avoid payment delays.
Change Your Address by Phone or in a Branch
Call the customer service number on the back of your Bank of America card or debit card. Have your account number, the last four digits of your Social Security number, and your new address ready. Tell the representative you want to update your billing address.
The representative will confirm your identity, verify your new address, and update it in the system. Changes made by phone typically take effect within one to two business days. If you prefer to update your address in person, visit a Bank of America branch with a photo ID and your account number. A banker can make the change on the spot.
What Happens to Your Statements and Mail
Once you change your billing address, Bank of America will send future statements and notices to the new address. If you have paperless statements turned on, this change does not affect your email — you will still receive digital statements at the email address on file.
Tax documents like 1098 forms and 1099 forms will be mailed to your updated billing address. If you change your address late in the year, you may still receive tax documents at your old address if they were already printed. Contact Bank of America if you need a corrected form sent to your new address.
Credit card offers and promotional mail from Bank of America will also go to your new address. If you do not want to receive these, you can opt out through your online account settings or by calling the number on your card.
Update Multiple Accounts and Linked Services
If you have more than one Bank of America account — such as a checking account, savings account, and credit card — check whether they share a billing address or have separate ones. Some accounts linked under the same customer profile update together; others do not.
After you change the address for one account, log back into your account and check each other account to confirm the address updated across all of them. If you have Bank of America credit cards, auto loans, or home loans, those may be on separate systems and require separate address updates. Call customer service to confirm which accounts need individual updates.
If you use Bank of America's bill pay service, verify that your payees have the correct address on file. Changing your billing address does not automatically update the addresses of the people or companies you pay.
Timing and What to Expect
Online address changes take effect when ready in your account, but the U.S. Postal Service may take five to seven business days to begin delivering mail to your new address. During this transition period, some mail may still arrive at your old address.
If you are moving and need to may support you receive important documents, consider setting up mail forwarding with the post office at the same time you update your Bank of America address. This protects you in case any mail is sent to your old address by mistake.
If you change your address and then realize you made a typo, you can update it again when ready through your online account or by calling customer service. There is no limit to how many times you can change your address.
Frequently Asked Questions
Does changing my billing address affect my account number or routing number?
No. Your account number and routing number stay the same when you update your billing address. Any automatic deposits or payments already set up will continue without interruption.
Can I have a different mailing address and billing address?
Yes. Some Bank of America accounts allow you to set a separate mailing address for statements while keeping a different billing address for other purposes. Call customer service to ask whether your account type supports this option.
What if I change my address but forget to update it with Bank of America?
Mail will continue to go to the old address on file. If you realize the mistake after mail has been sent, contact Bank of America to request that documents be resent to your correct address. You can also set up mail forwarding with the post office as a backup.
Do I need to update my address for online bill pay separately?
Your billing address and bill pay address are separate. Changing your billing address does not change where you are sending payments. Review your bill pay settings to confirm the payee addresses are correct.
How long does it take for a billing address change to show up on my credit report?
Your billing address does not appear on your credit report. Credit bureaus maintain your name, account numbers, and payment history, but not your address. Your address is updated only in Bank of America's system and with the post office.