Change your password from the Bank of America website or app in under five minutes

You can change your Bank of America password by logging into your account online, going to Settings, and selecting Change Password. On the mobile app, the same option sits under Profile or Settings depending on which version you have. You'll need your current password to confirm the change, and the new password takes effect immediately. If you've forgotten your current password, Bank of America offers a separate reset flow that uses your username and security questions instead.

The entire process—from logging in to confirming your new password—typically takes three to five minutes on either the website or app. Your new password becomes active across all your devices right away, though you may stay logged in on other devices for a short time before being automatically logged out and prompted to sign in again with the new password.

Key Takeaways

  • The fastest way to change your password is through the Bank of America website at bankofamerica.com or the mobile app, both taking about three minutes.
  • Your new password must be at least eight characters long and include uppercase letters, lowercase letters, numbers, and a special character like ! or @.
  • If you cannot remember your current password, use the "Forgot Password" link on the login page rather than trying to change it from within your account.
  • The password change takes effect immediately across all your devices and sessions, so you'll need to log in again on any other devices you use.

Steps to change your password on the Bank of America website

Start by going to bankofamerica.com and logging in with your username and password. Once you're in your account, look for the gear icon or "Settings" link, usually in the top right corner of the page. Click it and select "Change Password" or "Security Settings" depending on your account type.

Bank of America will ask you to enter your current password first. Type it in and click Continue. Then enter your new password twice to confirm you typed it correctly. Your password must be at least eight characters and include uppercase letters, lowercase letters, numbers, and at least one special character (such as !, @, #, or $). Once you've entered a valid password, click Submit or Confirm. The system will show a confirmation message, and your password is now active.

Steps to change your password on the Bank of America mobile app

Open the Bank of America app and log in if you're not already signed in. Tap the menu icon (three horizontal lines) at the bottom right of the screen, or look for "Profile" or "Settings" depending on your app version. Scroll down until you see "Security" or "Change Password."

Tap that option and enter your current password when prompted. Then enter your new password twice, following the same rules: at least eight characters with uppercase, lowercase, numbers, and a special character. Tap Confirm or Submit. You'll see a confirmation that your password has been changed. Like the website, this change takes effect right away on all your devices.

What to do if you've forgotten your current password

If you cannot remember your current password, do not try to change it from within your account—that flow requires you to know the old one. Instead, go to bankofamerica.com and click "Forgot Password" on the login page, or tap "Forgot Username or Password" on the mobile app login screen.

Bank of America will ask you to enter your username and then verify your identity using security questions you set up when you opened your account. Answer those questions correctly, and the system will let you create a new password. This process usually takes two to three minutes. Once you've set your new password, you can log in normally on any device.

Password requirements and what makes a strong password

Bank of America requires passwords to be at least eight characters long and to include all four of these types of characters: uppercase letters (A–Z), lowercase letters (a–z), numbers (0–9), and special characters (!@#$%^&*). The system will not let you use a password that does not meet these rules, and it will tell you which requirement you're missing if you try.

Beyond the minimum rules, a strong password is one you have not used before on any other website or account. If you reuse passwords across multiple sites and one site gets hacked, attackers can try that same password on your bank account. A password manager like Bitwarden, 1Password, or the one built into your phone's operating system can store a unique, complex password for you so you do not have to remember it.

When your password change does not take effect right away

In almost all cases, your new password works immediately on the website and app. However, if you were logged in on multiple devices before you changed your password, you may stay logged in on those other devices for a short time. Bank of America will eventually log you out of all sessions and require you to log in again with your new password.

If you change your password and then cannot log in on any device, double-check that you're typing the new password correctly—passwords are case-sensitive, so "MyPassword" is different from "mypassword." If you're certain you're typing it right and still cannot log in, use the "Forgot Password" flow to reset it again. If the problem continues, contact Bank of America customer service at 1-800-432-1000 to confirm your account is not locked.

Why you should change your password regularly

Changing your password every few months reduces the window of time an attacker could use a stolen or guessed password to access your account. If you notice suspicious activity on your account, change your password immediately. You should also change it if you used the same password on another website that was hacked, or if you shared your password with anyone (including Bank of America employees, who will never ask for it).

Bank of America does not force you to change your password on a set schedule, but security experts recommend doing it at least once or twice a year if you have not had any security concerns. If you suspect someone else knows your password, change it right away and then review your recent account activity to look for unauthorized transactions.

Frequently Asked Questions

Can I change my password if I'm locked out of my account?

No, you cannot change your password from within your account if you're locked out. Use the "Forgot Password" link on the login page instead. Bank of America will verify your identity using security questions and let you set a new password without needing the old one.

Do I need to change my password on the website and the app separately?

No. Changing your password in one place changes it everywhere. Whether you update it on the website or the app, the new password works on both. You may need to log in again on your other devices after the change.

What if I forget my new password right after changing it?

Use the "Forgot Password" link on the login page and go through the security question verification again. Bank of America will let you set another new password. Write down your password in a secure location like a password manager so you do not lose it again.

Can someone change my password without my permission?

Not without access to your account or your security questions. If you suspect someone changed your password, call Bank of America at 1-800-432-1000 immediately. They can help you regain access and review your account for unauthorized activity.

Is it safe to change my password on public WiFi?

Bank of America's website and app use encryption, so your password is protected even on public WiFi. However, it's safer to change sensitive information on a network you control, like your home WiFi or mobile data, if you have the option.