Change your password online in under five minutes
Log into your Bank of America account at bankofamerica.com, click your name in the top right corner, and select Settings. Choose Security, then Change Password. Enter your current password, type your new password twice, and click Confirm. The system will ask you to verify your identity using a code sent to your phone or email — enter it and you're done. Your new password takes effect immediately across all devices.
If you're already logged in on your phone or tablet, the Mobile app works the same way: tap the menu icon (three horizontal lines), go to Settings > Security > Change Password, and follow the same steps. You do not need to log out and back in — the app will keep you signed in.
Key Takeaways
- You can change your password from any device where you're already logged in, without calling Bank of America.
- Bank of America will send a verification code to your phone or email before the change takes effect.
- Your new password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character.
- If you forget your current password, use the "Forgot Password" link on the login page instead of trying to change it.
- After you change your password, you may need to log back in on other devices where you were previously signed in.
Password requirements Bank of America enforces
Bank of America requires passwords to be at least 8 characters long. Your password must contain at least one uppercase letter (A–Z), one lowercase letter (a–z), one number (0–9), and one special character such as !, @, #, $, %, or &. The system will not accept passwords that contain your username or any part of your registered email address.
Do not reuse a password you've used before on your Bank of America account. The system keeps a history of your previous passwords and will reject any password you've used in the past. This is a security measure to prevent someone who has compromised an old password from regaining access.
What to do if you forget your current password
If you cannot remember your current password, you cannot use the "Change Password" option because it requires you to enter your old password first. Instead, go to bankofamerica.com and click Forgot Password on the login screen. Bank of America will ask you to verify your identity using your Social Security number, date of birth, and a code sent to your phone or email on file.
Once you've verified your identity, you can create a new password without entering the old one. This process typically takes 5 to 10 minutes. If Bank of America cannot verify your identity through the online method — for example, if your phone number has changed — you will need to call 1-800-432-1000 and speak to a representative who can verify you over the phone.
Changing your password on a shared or public computer
If you change your password on a computer that is not yours — such as a library computer, a friend's laptop, or a public kiosk — always log out completely when you're finished. Click your name in the top right corner and select Sign Out. Do not simply close the browser window, because the session may remain active.
After you log out, clear the browser's cache and cookies if possible. On most computers, you can do this by pressing Ctrl+Shift+Delete (Windows) or Command+Shift+Delete (Mac), then selecting the option to clear browsing data. This removes any stored login information or session tokens that could allow someone else to access your account.
Why your password might not change
If you see an error message when you try to change your password, the most common cause is that your new password does not meet Bank of America's requirements. Check that it is at least 8 characters, includes uppercase and lowercase letters, contains at least one number and one special character, and does not include your username or email address.
Another reason the change might fail is that you're trying to use a password you've used before. Bank of America blocks passwords from your history to prevent reuse. If you're certain your new password meets all the requirements and is not a previous password, try again in a few minutes — temporary system issues can cause the change to fail on the first attempt. If the problem persists, call 1-800-432-1000 to have a representative reset your password for you.
What happens after you change your password
Your new password takes effect immediately on the device where you changed it. However, if you are signed into Bank of America on other devices — such as a phone, tablet, or a different computer — you will remain signed in on those devices for a short time. Bank of America will then log you out automatically, usually within a few hours, and you will need to sign in again using your new password.
This automatic logout is a security feature. If someone else has access to one of your devices, forcing a logout prevents them from continuing to use your old password. To speed up the logout on a specific device, you can manually sign out by clicking your name and selecting Sign Out.
Frequently Asked Questions
Can I change my password if I'm locked out of my account?
No. If your account is locked due to too many failed login attempts, you must call 1-800-432-1000 to unlock it before you can change your password. A representative will verify your identity and unlock your account, which usually takes 5 to 10 minutes.
Do I need to change my password if I think someone else knows it?
Yes, change it immediately. After you change it, review your recent account activity for any unauthorized transactions. If you see charges you did not make, contact Bank of America right away at 1-800-432-1000 to report fraud.
Will changing my password affect my online bill pay or linked accounts?
No. Your password change only affects how you log into Bank of America. Any bills you've set up to pay automatically, or accounts you've linked to third-party apps, will continue to work without interruption.
How often should I change my Bank of America password?
Bank of America does not require you to change your password on a set schedule. However, security experts recommend changing it every 60 to 90 days, or immediately if you suspect someone has access to it.
Can I use the same password for multiple Bank of America accounts?
Yes, you can use the same password for multiple Bank of America accounts if they are linked to the same login. However, using a unique password for each account is more secure in case one password is compromised.