Bank of America customer service hours by phone and channel
Bank of America's customer service hours depend on which channel you use and what day of the week it is. Phone support for general banking questions is available Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 8 a.m. to 5 p.m. Eastern time. Sunday hours are 10 a.m. to 6 p.m. Eastern time. The main customer service number is 1-800-432-1000.
Hours vary for specialized services. Fraud and security issues can be reported 24 hours a day, 7 days a week by calling 1-800-432-1000 and selecting the fraud option. If your card is lost or stolen, that line is also staffed around the clock. Investment and wealth management customers have different hours depending on their account type, so check your account materials or the website for your specific service line.
Online chat support through the Bank of America website and mobile app is available during similar hours to phone support, though exact times can shift seasonally. Email support does not have set hours but typically receives a response within one business day. You can also visit a local branch during their business hours, which vary by location but are generally Monday through Friday 9 a.m. to 5 p.m. and Saturday mornings.
Key Takeaways
- General customer service by phone runs Monday to Friday 8 a.m. to 9 p.m. Eastern, Saturday 8 a.m. to 5 p.m. Eastern, and Sunday 10 a.m. to 6 p.m. Eastern.
- Fraud reporting and lost or stolen card issues are handled 24 hours a day, every day of the week.
- Online chat through the website or mobile app follows the same general hours as phone support, though times may vary.
- Branch hours differ by location, so check your nearest branch's schedule before visiting in person.
- Specialized services like investment accounts may have different hours than general banking support.
How to reach customer service by phone
The main Bank of America customer service number is 1-800-432-1000. When you call, you will hear a menu with options for different services. Press the number for the type of issue you have—checking or savings accounts, credit cards, mortgages, or fraud. This routes you to the right department faster than explaining your issue to the first representative.
If you are calling about a specific account, have your account number or the card number ready. The system may ask you to enter it using your phone keypad before connecting you to a representative. This speeds up the call and reduces the time you spend on hold. If you do not have your account information handy, you can still call, but the representative will need to verify your identity through other means, which takes longer.
Wait times vary depending on the time of day and day of the week. Calling early in the morning or mid-week typically means shorter waits than calling on Friday afternoon or during lunch hours. If you reach a representative and your issue is complex, ask if they can schedule a callback instead of holding on the line.
Using online and mobile chat options
Bank of America's website and mobile app both offer live chat support during business hours. To start a chat on the website, log into your account and look for the chat icon, usually in the lower right corner of the screen. On the mobile app, the chat option is typically found in the menu or help section. Chat support follows the same hours as phone support for general banking questions.
Chat is useful if you are already looking at your account online and want to ask a quick question without making a phone call. Representatives can see your account information during the chat, so they can answer questions about your specific transactions or balances. Chat conversations are logged in your account, so you have a record of what was discussed.
One limitation of chat is that it may not be available for all types of issues. Fraud reports and urgent security matters are better handled by phone, where a representative can take immediate action. If chat is not available when you try to use it, the system will usually offer you the option to call or schedule a callback.
Visiting a Bank of America branch in person
If you prefer to speak with someone face-to-face, you can visit a Bank of America branch. Branch hours are not uniform across all locations. Most branches are open Monday through Friday from 9 a.m. to 5 p.m., with some opening as early as 8 a.m. or staying open until 6 p.m. Saturday hours are typically 9 a.m. to 1 p.m., and most branches are closed on Sunday.
To find your nearest branch and confirm its hours, use the branch locator tool on the Bank of America website or call 1-800-432-1000 and ask for the branch nearest you. Some branches in high-traffic areas may have extended hours or different schedules. If you need to handle a complex issue, calling ahead to confirm a representative will be available can save you a trip.
Branches handle account openings, deposits, withdrawals, and general questions. For specialized services like investment advice or mortgage applications, you may be directed to a specific department within the branch or referred to a different location. Bring a photo ID and your account information if you have it.
24/7 services and after-hours options
Bank of America's automated phone system is available 24 hours a day for routine tasks like checking your balance, transferring money between your own accounts, paying bills, and reviewing recent transactions. Call 1-800-432-1000 and select the automated option instead of waiting for a live representative. You can complete many of these tasks without speaking to anyone.
The mobile app and website are also available around the clock for viewing your account, making transfers, paying bills, and depositing checks remotely. If you need to report fraud or a lost card after hours, call the same number and select the fraud option—a representative will answer immediately, even outside normal business hours.
For emergencies outside of customer service hours, such as unauthorized transactions appearing on your account, the 24/7 fraud line is your best option. Do not wait until morning to report fraud; the sooner you report it, the sooner the bank can investigate and protect your account.
What to do if you cannot reach customer service
If you are having trouble reaching a representative during stated hours, try calling back in 15 to 30 minutes. High call volume during peak times can result in longer waits or temporary unavailability. Early morning, mid-week calls typically have shorter wait times than Friday afternoons or lunch hours.
If you have a non-urgent issue, consider using the mobile app or website to handle it yourself. Many common tasks—checking balances, transferring money, paying bills, and depositing checks—can be done without speaking to anyone. This is often faster than waiting on hold.
For issues that require a live representative, you can also send a secure message through your online account. Log in, go to the messaging or contact section, and describe your issue. A representative will respond within one business day. This works well for questions that are not time-sensitive.
Frequently Asked Questions
Is Bank of America customer service open on holidays?
No. Bank of America customer service is closed on federal holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. Branches are also closed on these days. However, the 24/7 fraud line and automated phone system remain available. If you have an urgent issue on a holiday, call the fraud line at 1-800-432-1000 and select that option.
Can I reach customer service outside the United States?
Yes, but you may reach an international support line with different hours. If you are traveling or living abroad, call 1-800-432-1000 and explain your location. You may be transferred to a representative in a different time zone. International calling charges may apply depending on your phone plan.
What if I need help with a mortgage or home equity line of credit?
Mortgage and home equity services have dedicated phone lines with hours that may differ from general banking support. When you call the main customer service number, select the mortgage or home equity option from the menu. You can also visit a branch and ask to speak with a mortgage specialist, though you may need to schedule an appointment.
How long does it usually take to speak with a representative?
Wait times vary widely depending on the time of day, day of the week, and current call volume. During peak hours, you may wait 10 to 30 minutes or longer. Early morning calls and mid-week calls typically have shorter waits. If the wait is long, ask the automated system if you can request a callback instead of holding.
Can I schedule an appointment with a customer service representative?
Yes. When you call 1-800-432-1000, you can ask to schedule a callback at a time that works for you. This is useful if you have a complex issue or prefer not to wait on hold. You can also schedule an appointment at a local branch through the website or by calling the branch directly.