Update your address online, by phone, or in person at a branch
You can change your address with Bank of America through your online account, by calling customer service, or by visiting a branch in person. The online method is fastest — it takes about five minutes and the change usually shows up within one business day. If you call, have your account number and a form of ID ready. In-person changes at a branch are immediate but require you to bring a government-issued ID and proof of your current address.
Your address change affects all accounts linked to your Social Security number at Bank of America, not just one account. If you have a checking account, savings account, and credit card all under your name, they all update together. If you share an account with someone else, both account holders may need to authorize the change depending on how the account is set up.
Key Takeaways
- Online address changes through your Bank of America account take about five minutes and process within one business day.
- Phone updates require your account number and ID but work if you do not have online access or prefer to speak with someone.
- In-person branch changes are instant but require a government ID and proof of your current address.
- Your address change applies to all accounts registered under your name, not individual accounts one at a time.
- Updating your address prevents mail delays, ensures tax documents reach you, and reduces fraud risk on your accounts.
Change your address online through your Bank of America account
Log into your Bank of America account on their website or mobile app. Click on your profile or settings — the location varies slightly between the website and app, but look for a gear icon or your name in the top right corner. Select "Profile" or "Account Settings," then find the option for "Address" or "Personal Information."
Enter your new address exactly as you want it to appear on mail and official documents. Bank of America will ask you to confirm the change before it processes. Once you submit, you will see a confirmation message on screen. The change typically takes effect within one business day, though you may see it reflected immediately in your online account.
If you have multiple accounts (checking, savings, credit card), you only need to update once. All accounts tied to your Social Security number update together. If you have accounts at Bank of America under a different name or Social Security number — for example, a business account — you will need to update that separately.
Update your address by phone with Bank of America customer service
Call Bank of America at the number on the back of your debit card or credit card. Have your account number, the last four digits of your Social Security number, and a government-issued ID nearby. The representative will verify your identity before making any changes.
Tell the representative your new address and ask them to read it back to you to confirm there are no typos. The change processes immediately on the phone, though it may take one business day to show in your online account and on mailed statements. Ask the representative for a confirmation number for your records.
Phone updates work well if you do not have online access, prefer not to use the app, or want to update multiple accounts at once and have questions about each one. Wait times vary by time of day and day of week — early morning on weekdays is usually faster than evenings or weekends.
Change your address in person at a Bank of America branch
Visit any Bank of America branch with your government-issued ID (driver's license, passport, or state ID) and a piece of mail showing your new address. The mail can be a utility bill, lease, mortgage statement, or any official document with your name and new address on it. The teller or banker will update your address on the spot, and the change takes effect immediately.
In-person updates are useful if you are opening a new account at the same time, need to discuss other account changes, or prefer to handle everything face-to-face. You do not need an appointment for a simple address change, but you can call ahead to confirm the branch is open and ask about wait times.
What happens to mail and statements after you change your address
Bank of America will begin sending new statements and tax documents to your new address within one to two billing cycles. If you change your address mid-cycle, your next statement may still go to the old address — this is normal. Any mail already in the postal system before your change processes will arrive at your old address.
If you are moving and want to make sure you do not miss important documents, file a change of address with the U.S. Postal Service at the same time you update your bank. The postal service will forward mail for up to one year, which gives you a safety net if Bank of America's mail is delayed or if other companies have not yet updated your address.
Tax documents like 1099 forms are sent based on the address on file at the end of the year. If you change your address in December, the 1099 may still go to your old address because it was already queued. Contact Bank of America in January if you do not receive your tax documents and provide your new address so they can reissue them.
Update your address on joint accounts and authorized user accounts
If you have a joint account, the address change applies to both account holders. Some banks require both people to authorize the change, but Bank of America typically allows either account holder to update the address. The change affects both of you, so let your co-owner know before you make it.
If you are an authorized user on someone else's account, you cannot change the address yourself. Only the primary account holder can make that change. If you need the address updated, ask the primary account holder to make the change through their online account or by calling customer service.
Update your address on credit cards and other Bank of America products
When you change your address in your main Bank of America account, the change applies to most products — checking, savings, and credit cards all update together. However, if you have a Bank of America credit card issued through a partner (like a rewards card through an airline or retailer), that card may have its own address on file.
Check your online account after updating your address to confirm all cards show the new address. If a credit card still shows the old address after one business day, call the number on the back of that card and ask them to update it. Some co-branded cards have separate customer service lines that handle address changes independently.
Frequently Asked Questions
How long does it take for my address change to show up on statements?
Online and phone changes usually show in your account within one business day. Printed statements mailed to your new address typically begin with your next billing cycle, which could be one to two weeks away depending on when you make the change. If you change your address mid-cycle, one more statement may go to your old address before the new one takes effect.
Can I change my address if I do not have online access?
Yes. Call the customer service number on your card or visit a branch in person. Both methods work without logging into your account. For phone updates, have your account number and ID ready. For in-person updates, bring your government ID and proof of your new address.
What if I moved but do not have mail showing my new address yet?
Bring any official document with your new address — a lease, rental agreement, utility bill, or even a letter from your landlord. If you truly have nothing yet, visit a branch and explain your situation; some branches will update your address based on your ID and a verbal confirmation, though this varies by location.
Do I need to update my address separately for each account?
No. One address change updates all accounts registered under your name and Social Security number at Bank of America. If you have accounts under a different name or Social Security number (like a business account), you will need to update those separately.
What if I have a pending check or transfer to my old address?
Changing your address does not affect checks or transfers already in process. If you are expecting a check mailed to your old address, contact Bank of America to ask them to reissue it to your new address, or file a change of address with the postal service to have it forwarded.