Change Your Address Online Through Your Bank of America Account
The fastest way to change your address with Bank of America is through your online banking portal or the mobile app. Log in to your account, go to Settings or Profile, find the Address section, and enter your new address. Bank of America will ask you to confirm the change, and it typically takes effect within one business day.
You can update a mailing address, physical address, or both separately. Your mailing address is where Bank of America sends statements and notices. Your physical address is what they use for fraud detection and account verification. If you are moving, you will usually want to change both.
The online method works for most account types — checking, savings, credit cards, and investment accounts linked to the same login. If you have multiple accounts under different logins, you will need to update each one separately.
Key Takeaways
- Online updates through your Bank of America account or mobile app take effect within one business day and work for most account types.
- You can change your mailing address and physical address separately, and both should be updated if you are relocating.
- Call 1-800-432-1000 if you cannot access your online account or prefer to update your address by phone.
- Visit a local Bank of America branch with a government-issued ID and proof of your new address to update in person.
- After changing your address, check your account settings to confirm the change went through and watch for any verification requests.
Update Your Address by Phone
If you do not have access to online banking or prefer to speak with someone, call Bank of America's customer service at 1-800-432-1000. Have your account number and a government-issued ID ready. The representative will verify your identity by asking security questions, then update your address in the system.
Phone updates also take about one business day to process. The representative can update all your linked accounts at once if they are under the same Social Security number, which saves you from calling back multiple times.
Wait times vary depending on the time of day and day of the week. Early morning on weekdays is usually faster than afternoons or weekends.
Change Your Address in Person at a Branch
Walk into any Bank of America branch with your government-issued ID and proof of your new address. Proof can be a utility bill, lease, mortgage statement, or government mail dated within the last 60 days. The teller or account representative will update your address on the spot.
In-person updates are useful if you want to confirm the change when ready or if you have questions about how the address change affects other services — for example, if you have a safe deposit box or a mortgage with the bank. The change takes effect right away in their system, though it may take a day to sync across all their platforms.
Find your nearest branch at bankofamerica.com or by calling 1-800-432-1000.
Update Address on Credit Cards and Other Products
If you have a Bank of America credit card, the address change on your main account usually updates the card automatically. However, if your credit card is under a different account or login, you may need to update it separately through the credit card portal or by calling the number on the back of your card.
For investment accounts, retirement accounts, or business accounts, the address update process may differ slightly. Log into each account type separately to confirm the address has changed, or call the specific product line — for example, 1-800-687-6900 for investment accounts.
What Happens After You Change Your Address
Bank of America may send you a verification letter or email to confirm the address change, especially if you changed your physical address. This is a security measure to prevent fraud. Open any mail or email from Bank of America after you update your address and follow the instructions if they ask you to verify the change.
Your debit card and checks will continue to work at your old address until they expire or you order new ones. When you order new checks or a replacement card, they will be sent to your updated address. You can order checks and cards through your online account or by calling customer service.
If you have automatic payments or direct deposits set up, they will continue to go to your Bank of America account — the address change does not affect those. However, if any payors or billers have your old address on file, you should contact them separately to update it so they send statements or notices to the right place.
Update Your Address for Multiple Bank of America Accounts
If you have more than one Bank of America account under the same login, updating your address in Settings usually changes it for all of them at once. Log in once and make the change in your profile, then verify that all accounts show the new address.
If you have accounts under different logins — for example, a personal checking account and a business account — you will need to log into each one separately and update the address in each. This is common if you have a sole proprietorship or if you set up accounts at different times.
Call 1-800-432-1000 and ask a representative to confirm whether all your accounts are linked under one Social Security number. If they are, a phone representative can update them all in one call.
Frequently Asked Questions
How long does it take for my address change to show up?
Online and phone updates take about one business day. In-person updates at a branch take effect when ready in their local system but may take a day to sync across all Bank of America platforms. If you need the change to take effect urgently — for example, before a payment posts — mention that when you update.
Do I need to update my address if I only changed my mailing address?
If you moved but want mail sent to a different address temporarily, update your mailing address only. Your physical address is used for fraud detection and account security, so change it if you actually moved. If you are unsure which one to change, call 1-800-432-1000 and a representative can explain the difference for your situation.
What if I get a verification letter after changing my address?
Open it and follow the instructions. Bank of America may ask you to confirm the change by clicking a link in an email, replying to a letter, or calling a number. This is normal and protects your account from unauthorized changes. Do not ignore it — if you do not verify, the address change may be reversed.
Can I change my address if my account is frozen or locked?
If your account is locked for security reasons, you will need to unlock it first. Call 1-800-432-1000 and explain the situation. A representative will walk you through identity verification and unlock your account, then you can update your address.
Will changing my address affect my credit score?
No. Changing your address with Bank of America does not affect your credit score. Credit bureaus track address changes, but the change itself is not a credit event. Your credit score is based on payment history, debt levels, and credit inquiries — not where you live.