Mail your payment to the address on your statement or billing notice
Bank of America prints a payment mailing address on every credit card statement you receive. This is the safest address to use because it is specific to your account and routing. The address typically appears near the top of your statement, often labeled "Payment Address" or "Send Payments To".
Do not use an address from an old statement. Bank of America changes payment processing centers periodically, and an outdated address may delay your payment or send it to the wrong location. If you cannot find your current statement, log into your online account or call the customer service number on the back of your card to confirm the correct mailing address before sending a check.
Mail payments should arrive at least five to seven business days before your due date. The postal service does not may provide delivery speed, so sending earlier protects you from late fees if mail is delayed.
Key Takeaways
- The payment mailing address appears on your current statement and is specific to your account's processing center.
- Never use an address from an old statement, because Bank of America moves payment processing locations and old addresses may cause delays.
- Mail payments should be sent at least five to seven business days before your due date to account for postal delivery time.
- If you cannot locate your statement, call the customer service number on your card or log into your online account to get the correct address.
- Include your account number on the check or payment stub so the payment reaches your account without error.
How to find the address if you do not have your statement
Log into your Bank of America online account or mobile app. Go to the credit card account you want to pay. Look for a "Pay Now" or "Make a Payment" section—this page usually displays the mailing address alongside other payment options. Write down the full address exactly as it appears.
You can also call Bank of America customer service at the number printed on the back of your credit card. A representative will confirm the current mailing address and answer questions about payment timing or your account. This is the fastest way to verify the address if you are uncertain.
What to include with your mailed payment
Write a check or money order in the amount you want to pay. Do not send cash through the mail. On the check, write your credit card account number in the memo line so Bank of America can match the payment to your account when ready.
If your statement included a payment stub or coupon, tear it off and include it with your check. The stub contains your account number in a machine-readable format, which speeds up processing. If you do not have the stub, the account number in the memo line is sufficient.
Place the check and any stub in an envelope and address it to the payment address from your statement. Do not include other documents or correspondence—keep payment mail separate from account inquiries or disputes.
Regional payment processing centers
Bank of America operates multiple payment processing centers across the United States. The address on your statement directs mail to the center that handles your specific account. Each center processes payments independently, so sending to the wrong address delays posting to your account.
The processing center address can change if you move, if your account is transferred, or if Bank of America reorganizes its operations. This is why checking your current statement before mailing is essential. If you have moved recently and your address on file has changed, verify the payment mailing address has not changed as well.
Online and phone payment options as alternatives
If mailing a check is inconvenient, Bank of America offers faster payment methods through your online account or mobile app. You can schedule a one-time payment or set up automatic payments from a linked bank account. These payments post within one to two business days, much faster than mail.
You can also pay by phone by calling the customer service number on your card. A representative will take payment information over the phone and process it when ready. Phone payments are useful if you are close to your due date and mailing is no longer safe.
These alternatives do not require you to know the mailing address and reduce the risk of late payment due to postal delays.
Timing and confirmation for mailed payments
After you mail a check, it typically takes five to seven business days to arrive at the processing center. Bank of America then scans and posts the payment to your account, usually within one to two business days of receipt. Total time from mailing to posting is often seven to ten business days.
Do not assume your payment has posted until you see it reflected in your online account. Check your account balance two weeks after mailing to confirm the payment went through. If it does not appear, contact customer service with your check number and the date you mailed it.
Keep a record of the check number, amount, and date mailed. If a payment is lost in the mail, this information helps Bank of America locate it or issue a replacement.
What to do if you cannot find the payment address
Call Bank of America customer service at the number on the back of your card. Have your account number ready. A representative will provide the current mailing address and can answer questions about payment important date or account status.
You can also visit the Bank of America website and log into your account. The payment address is displayed in the payment section of your account dashboard. This method takes a few minutes and does not require a phone call.
If you are in a Bank of America branch, ask a teller for the payment mailing address. They can print it for you or write it down. This is useful if you are already at the bank and want to confirm the address before leaving.
Frequently Asked Questions
Can I pay my Bank of America credit card at a branch in person?
Bank of America does not accept credit card payments at branch locations. You must mail a check to the payment address on your statement, pay online through your account, pay by phone, or use an authorized payment service. Visiting a branch for other banking needs is fine, but credit card payments must go through one of these channels.
What happens if I send my payment to the wrong address?
If a check reaches the wrong Bank of America location, it may be forwarded to the correct processing center, but this causes delays. Your payment might not post until two to three weeks after you mailed it, risking a late fee. Always use the address from your current statement to avoid this problem.
Do I need to include a payment stub with my check?
A payment stub is helpful but not required. If your statement included a stub, include it—it speeds up processing. If you do not have the stub, write your account number in the memo line of the check. Bank of America can match the payment to your account either way.
How long does it take for an online payment to post?
Online payments through your Bank of America account typically post within one to two business days. This is much faster than mailing a check. If you are close to your due date, paying online or by phone is safer than mailing.
What if my due date is tomorrow and I have not paid yet?
Do not mail a check—it will not arrive in time. Pay online through your account, call customer service to pay by phone, or use a payment service that guarantees next-day delivery. These methods post within one to two business days and protect you from a late fee.