Change your address online, by phone, or in person at a branch
Bank of America lets you update your mailing address through three channels: your online account, a phone call to customer service, or a visit to any branch. The online method is fastest — you can do it in minutes from home. Phone and branch updates take longer but work if you do not have online access or prefer to speak with someone directly.
Your address change applies to all accounts linked to your Bank of America login. If you have multiple accounts under different Social Security numbers or as a business owner, you may need to update each one separately. The bank processes most address changes within one business day, though it can take up to five business days for the change to appear on statements and in all systems.
Changing your address does not close your account, affect your credit, or trigger fraud alerts. It is a routine update that the bank handles thousands of times daily. However, if you are moving and want to avoid missing statements or important mail, update your address before you leave your current location.
Key Takeaways
- Online updates through your Bank of America account take effect within one business day and are the fastest method available.
- Phone updates require you to verify your identity with your Social Security number and account details, and the process takes about ten minutes.
- Branch updates require a valid ID and proof of your new address, such as a utility bill or lease agreement dated within the last 60 days.
- Your address change applies to all deposit and credit accounts under your login, but business accounts and accounts under different Social Security numbers require separate updates.
- Bank of America will mail a confirmation letter to your new address within five to seven business days after the change is processed.
Update your address online through your Bank of America account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Click on your profile icon or settings menu — the location varies slightly between the website and app, but both have a settings or profile section near the top right of the screen.
Select "Profile" or "Account Settings," then look for "Address" or "Contact Information." Enter your new street address, city, state, and ZIP code. Bank of America will ask you to confirm the address before you submit. Review it carefully for typos, because an incorrect address will cause mail delays and may trigger fraud alerts if the bank detects a mismatch later.
After you submit, the system will show a confirmation message on screen. You do not need to do anything else. The change takes effect immediately in your online account, but may take up to one business day to sync with the bank's mailing systems. If you do not see the change reflected in your account settings after 24 hours, log out and log back in to refresh.
Update your address by calling Bank of America customer service
Call Bank of America at 1-800-432-1000 for personal accounts or 1-800-933-6262 for business accounts. Have your Social Security number, account number, and current address ready before you call. The bank uses this information to verify your identity before making any changes.
Tell the representative you want to update your mailing address. They will ask you to confirm your Social Security number, date of birth, and the last four digits of your account number. Once verified, provide your new street address, city, state, and ZIP code. The representative will read it back to you — confirm it is correct before they process the change.
The call usually takes five to ten minutes. The representative will give you a confirmation number — write it down. The address change takes effect within one business day. If you do not receive a confirmation letter at your new address within seven business days, call back with your confirmation number to check the status.
Update your address in person at a Bank of America branch
Visit any Bank of America branch during business hours. Bring a valid government-issued ID, such as a driver's license or passport, and proof of your new address. Acceptable proof includes a utility bill, lease agreement, mortgage statement, or government mail dated within the last 60 days. A cell phone bill or credit card statement usually does not work — the bank requires official documentation.
Tell the teller or banker you need to update your mailing address. They will verify your identity with your ID, ask you to confirm your Social Security number or account number, and then enter your new address into the system. The process takes about ten minutes. Ask for a receipt or confirmation number before you leave.
The address change takes effect immediately in the branch system but may take up to one business day to sync with all Bank of America systems. If you are moving out of state or to a new country, mention this to the banker — they may need to flag your account for additional verification to prevent fraud holds.
What happens after you change your address
Bank of America will mail a confirmation letter to your new address within five to seven business days. This letter confirms the address change and lists all accounts associated with your profile. Keep this letter for your records. If you do not receive it within ten business days, contact the bank to verify the change went through.
Your new address will appear on future statements, tax documents (like 1099 forms), and any promotional mail from the bank. If you have automatic bill payments or direct deposits set up, they will continue without interruption — your address change does not affect how money moves in or out of your account.
If you changed your address because you moved, update your address with the U.S. Postal Service as well. This ensures that any mail Bank of America sends to your old address gets forwarded to your new one for up to 12 months. It also protects you if the bank's system takes longer than expected to process your change.
Update a business account or joint account address
If you own a business account, the address update process is the same, but you must be listed as an authorized signer on the account. Call 1-800-933-6262 or visit a branch with your business ID and personal government-issued ID. The banker will verify your authority to make changes before processing the update.
For joint accounts, either account holder can update the address online or by phone. However, if you are updating the address on a joint account and the other holder has a different mailing address preference on file, contact the bank first — some joint accounts allow separate mailing addresses for each owner, while others use a single address for both.
If you have a power of attorney or are an authorized representative on someone else's account, you cannot update the address online. You must call customer service or visit a branch in person with a copy of the power of attorney document and your own government-issued ID.
Fix a wrong address or reverse a recent change
If you made a mistake or changed your address by accident, you can update it again immediately using any of the three methods above. There is no waiting period or limit on how many times you can change your address. Simply log back into your account, call customer service, or visit a branch and enter the correct address.
If you realize the mistake after the confirmation letter has already been mailed, you can still update your address again. The new confirmation letter will be mailed to your corrected address. If mail has already been sent to the wrong address, contact the U.S. Postal Service to request mail forwarding from that address to your correct one.
If someone else changed your address without permission, this is a sign of fraud or account compromise. Call Bank of America immediately at 1-800-432-1000, report the unauthorized change, and ask the bank to reverse it. The bank will investigate and may place a temporary hold on your account while they verify your identity.
Frequently Asked Questions
How long does it take for my address change to show up on my statements?
The address change takes effect in your online account within one business day, but may take up to five business days to appear on printed statements. If your next statement is scheduled to print before the change syncs, it may still show your old address. The statement after that will show your new address.
Do I need to update my address with the IRS or my employer if I change it at Bank of America?
No. Updating your address at Bank of America does not automatically notify the IRS, your employer, or other organizations. You must update your address separately with each one. The IRS has its own process through irs.gov, and your employer's payroll department handles W-4 changes.
What if I am moving to a different country?
Bank of America accepts international addresses, but you must update your address through a branch or by phone — the online system may not accept addresses outside the United States. Call 1-800-432-1000 and have your new international address ready. The bank may ask additional questions about your move for compliance reasons.
Can I have two different mailing addresses for two different Bank of America accounts?
No. All accounts linked to your online login share the same mailing address. If you need different addresses for different accounts, you would need to set up separate logins with different email addresses. Contact a banker at a branch to discuss whether this is possible for your situation.
Will changing my address affect my credit score or credit cards?
No. Updating your mailing address does not affect your credit score, credit report, or credit card accounts. It is a routine administrative change. However, if you have a Bank of America credit card, the address change applies to that card as well.