Update your address online, by phone, or in person at a branch
Bank of America lets you change your mailing address through three routes: the mobile app or website (fastest), a phone call to customer service, or walking into a branch with your ID. The change takes effect immediately in their system, but mail already in transit to your old address will still arrive there. If you're moving soon, update your address before you leave so statements and cards go to the right place.
You'll need your account number or the card number linked to the account, plus a way to verify your identity. If you're changing the address for a joint account, either account holder can make the change, and it applies to both of you.
Key Takeaways
- The online or app method is fastest and works any time of day; the change shows up in Bank of America's system right away.
- Phone updates take a few minutes and require you to answer security questions to confirm your identity.
- In-branch updates are instant and useful if you need to change other details at the same time, like a phone number or email.
- Mail already sent to your old address will still arrive there, so update before you move if possible.
- A change to your mailing address does not automatically update your billing address for credit cards or loans unless you change both.
Changing your address online or in the mobile app
Log into your Bank of America account on the website or open the mobile app. Go to Settings (usually a gear icon), then select Profile or Account Settings. Look for the option to update your address or contact information. You'll see fields for your mailing address and, separately, your billing address. Update whichever one applies to you.
The system will ask you to confirm the new address before saving. Once you submit, the change is live in Bank of America's records. You'll receive a confirmation email or text to the contact information on file. This method works 24/7 and is the fastest way to make the change.
Updating your address by phone
Call Bank of America customer service at the number on the back of your card or statement. Have your account number or card number ready. The representative will ask security questions to verify you're the account holder—typically your Social Security number, date of birth, or recent transaction details.
Once verified, tell them your new address. They'll read it back to you to confirm there are no typos. The change takes effect immediately, and you'll receive written confirmation in the mail at your new address within a few days. This method works during business hours, which vary by region but typically run 7 a.m. to 11 p.m. on weekdays.
Changing your address in person at a branch
Walk into any Bank of America branch with a valid ID—a driver's license, passport, or state ID card. Tell the representative you need to update your address. They'll pull up your account, verify your identity, and update the address in their system on the spot. This is useful if you're also changing your phone number, email, or other account details at the same time.
The change is instant, and you can ask for a printed confirmation before you leave. If you don't have an account number memorized, bring your debit card or a recent statement. Branch hours vary by location; use the Bank of America branch locator on their website to find hours near you.
Mailing address versus billing address: what's the difference
Your mailing address is where Bank of America sends statements, tax forms, and other mail. Your billing address is the address linked to your credit card or loan and is used for fraud detection and verification when you make online purchases.
If you change only your mailing address, your billing address stays the same. This can cause problems: merchants may decline your card if the billing address doesn't match what you entered at checkout, and you won't receive credit card statements or notices about your account. Change both if you're moving. Some accounts let you manage these separately; others tie them together. The online update form will show you which addresses apply to your specific account type.
What happens to mail already sent to your old address
Bank of America's mail is usually printed and sent out in batches, so statements mailed before your address change will still go to your old address. If you're moving across town, you might still receive them. If you're moving out of state or far away, contact your mail forwarding service or the post office to redirect mail from your old address.
For time-sensitive documents like new debit cards or credit cards, update your address at least a week before the card is ordered. If a card arrives at your old address after you've moved, contact Bank of America to have it reissued to your new address or pick it up at a branch.
Changing your address for multiple accounts or products
If you have a checking account, savings account, credit card, and loan all with Bank of America, one address change may apply to all of them, or you may need to update each product separately. The online system usually updates your primary mailing address across all linked accounts at once, but billing addresses for credit cards and loans sometimes need individual updates.
After you make the change online, log into each account or product separately to confirm the address updated correctly. If you're updating by phone, ask the representative to confirm which accounts and products the change covers. In a branch, the representative can update everything in one visit and print a summary showing which accounts were changed.
Frequently Asked Questions
How long does it take for my address change to show up?
The change is instant in Bank of America's system. Mail sent after the update will go to your new address, but statements already printed and in the mail will arrive at your old address. Allow three to five business days for the change to fully process across all systems.
Can I change my address if I'm not the primary account holder?
If you're an authorized user or joint account holder, you can change the address. If you're only an authorized user on someone else's account, you'll need the primary account holder to make the change. Call customer service to confirm your status on the account.
What if I don't have a permanent address right now?
You can use a temporary address, a PO box, or a friend's or family member's address as your mailing address. Bank of America will mail statements and cards there. Update it again once you have a permanent address. Some accounts require a physical street address rather than a PO box for billing purposes; customer service can tell you what's allowed for your account type.
Do I need to update my address with the post office too?
Yes. Updating your address with Bank of America tells them where to send your mail, but updating it with the post office ensures your other mail gets forwarded. File a change of address form with USPS online, by mail, or at your local post office. The post office typically forwards mail for up to one year.
What if I change my address but my debit card still has the old one printed on it?
The address printed on your card is cosmetic and doesn't affect how the card works. Your billing address in the system is what matters for online purchases and fraud detection. You don't need a new card just because your address changed, but if you want one with the new address printed on it, contact Bank of America to request a replacement.