Bank of America's main customer service number
Bank of America's general customer service line is 1-800-432-1000. This number works for account questions, balance checks, fraud reports, and general banking issues. You can call it 24 hours a day, 7 days a week.
When you call, you'll reach an automated system that asks you to enter your account number or Social Security number. This routes you to the right department. If you don't have your account number handy, you can still navigate the menu by selecting options for what you need.
Wait times vary by time of day and day of week. Early morning (before 9 a.m.) and late evening typically have shorter queues than midday or early afternoon.
Key Takeaways
- Bank of America's main customer service number is 1-800-432-1000 and operates around the clock.
- Different issues have different phone numbers—fraud is 1-800-432-1000, mortgages have a separate line, and investment accounts route differently.
- You can reach a person by entering your account number at the automated prompt, or by saying "representative" when the menu plays.
- Having your account number, Social Security number, or card number ready before you call speeds up the process.
Numbers for specific types of accounts
Bank of America routes calls differently depending on what you're calling about. If you have a mortgage, credit card, or investment account, using the right number gets you to someone who handles that product.
Credit card customers can call 1-800-432-1000 (the same main number) and select the credit card option, or call the number on the back of your card. The number on your card is often faster because it's already tied to your account.
Mortgage customers should call 1-800-669-6650 for loan servicing, payment questions, or modification requests. This line is staffed during business hours, typically Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time.
Investment and wealth management customers have a dedicated line at 1-800-997-2265. This handles questions about brokerage accounts, retirement accounts, and advisory services.
Fraud and security concerns
If you suspect fraud on your account, call 1-800-432-1000 and tell the automated system you're reporting fraud. You'll be routed to the fraud department immediately. They can freeze your card or account within minutes and start an investigation.
Never call a number from an email or text message claiming to be from Bank of America. Scammers use fake numbers that look real. Always initiate the call yourself using the number on your statement, your card, or the official Bank of America website.
The fraud team can also issue a new card, reverse unauthorized charges, and file a dispute on your behalf. Have your card or account number ready when you call.
When to use online chat or branch visits instead
Bank of America offers chat support through its website and mobile app. This works well for simple questions like balance checks, recent transactions, or password resets. Chat is available 24/7 and often has no wait time.
For complex issues—loan modifications, disputes that need documentation, or account closures—visiting a branch in person is often faster. A banker can pull up your full account history and handle multi-step processes without transferring you between departments.
You can find branch hours and locations on the Bank of America website or by calling 1-800-432-1000 and asking for the nearest branch.
What to have ready before you call
Prepare these details before dialing to avoid repeating yourself or being transferred multiple times:
- Your account number (on your statement or card)
- Your Social Security number or tax ID
- The last four digits of the card or account you're calling about
- A description of what you need—be specific (e.g., "I want to dispute a charge from October 15" rather than "I have a problem")
- Any reference numbers from previous calls or emails
If you're calling about a specific transaction, have the date, amount, and merchant name available. This cuts the time a representative needs to locate the transaction in your account.
International calls to Bank of America
If you're outside the United States, you can still reach Bank of America, but the number and charges differ. Call the U.S. number collect, or look for a local Bank of America office in your country and ask for the customer service line.
International calls to 1-800 numbers don't work from outside the U.S. Instead, call 1-610-383-1000 (a direct line that accepts international calls) and expect to pay international long-distance rates. Some plans include international calling; check with your phone provider first.
If you have a Bank of America account while traveling, using the mobile app or website chat is often cheaper than calling internationally.
Frequently Asked Questions
How long will I wait on hold?
Wait times range from a few minutes to 30 minutes depending on the time of day and how busy the department is. Calling early morning or late evening usually means shorter waits. If the wait is long, you can hang up and try again later, or use online chat instead.
Can I schedule a callback instead of waiting on hold?
Yes. When you call 1-800-432-1000, the automated system often offers a callback option. Enter your number and the system will call you back when a representative is available, so you don't have to hold.
What if I'm deaf or hard of hearing?
Bank of America offers TTY (text telephone) service at 1-800-833-6262. You can also use a relay service through your state's telecommunications relay system to call the main number.
Is the number on the back of my card different from the main number?
Yes, usually. The number on your card is routed directly to the credit card department and is often faster for card-specific issues. The main number 1-800-432-1000 handles all account types but may require more menu navigation.
What if I can't reach anyone and need help urgently?
Visit a Bank of America branch in person during business hours. Branches can handle most issues immediately and don't have phone wait times. You can also use the mobile app or website to freeze your card, report fraud, or transfer money without calling.