Bank of America phone support closes at 8 p.m. ET on weekdays, 6 p.m. ET on Saturdays, and is closed on Sundays
Bank of America's main customer service line operates Monday through Friday from 8 a.m. to 8 p.m. Eastern Time, Saturday from 8 a.m. to 6 p.m. Eastern Time, and is closed on Sundays. These hours apply to the general customer service number (1-800-432-1000). However, the hours vary depending on which department you need and whether you're calling about a specific issue like fraud, credit cards, or investment accounts.
If you call after hours, you'll reach an automated system that can handle some requests—like checking balances, transferring money between accounts, or reporting a lost card—without speaking to a representative. The automated system operates 24/7. For issues that require a person, you can leave a callback request, and a representative will contact you during business hours the next day.
Key Takeaways
- Phone support closes at 8 p.m. ET weekdays and 6 p.m. ET Saturdays; the automated system works around the clock.
- Different departments (fraud, credit cards, mortgages) may have different hours, so check your account statement or the Bank of America website for the specific line you need.
- You can request a callback after hours, and a representative will call you back during the next business day.
- Online chat and mobile app support may have different hours than phone support; check the website before you contact them.
How to reach customer service by phone
The main customer service number is 1-800-432-1000. When you call, you'll be prompted to enter your account number or Social Security number to verify your identity. The system will then route you to the appropriate department based on your account type and the reason for your call.
If you're calling about a specific issue, Bank of America publishes separate numbers for different departments on their website and on the back of your debit or credit card. For example, fraud and dispute reporting may have a different number than general account inquiries. Having your account number ready will speed up the process, whether you're speaking to an automated system or a representative.
After-hours options and callback requests
After 8 p.m. ET on weekdays or 6 p.m. ET on Saturdays, the automated system will still answer your call. You can use it to check your balance, make transfers, pay bills, or report a lost or stolen card. If you need to speak with a representative, the system will offer you the option to request a callback.
When you request a callback, you'll be asked to provide a phone number and the best time to reach you the next business day. Bank of America typically calls back within 24 hours, though it may take longer during busy periods. If you don't receive a callback, you can call back during business hours and speak to someone immediately.
Online and mobile app support hours
Bank of America's website and mobile app allow you to handle many tasks without calling—checking balances, transferring money, paying bills, and viewing transaction history. These services are available 24/7. However, if you need to use the online chat feature to speak with a representative, chat hours may differ from phone hours.
Online chat is typically available during the same hours as phone support (8 a.m. to 8 p.m. ET weekdays, 8 a.m. to 6 p.m. ET Saturdays), though this can vary. Check the Bank of America website or your mobile app to see the current chat availability before you start a conversation. If chat is unavailable, you can leave a message, and a representative will respond during business hours.
Contacting Bank of America for specific issues
Fraud and dispute reporting often has extended or separate hours. If you need to report unauthorized transactions or a lost card, look for the fraud number on the back of your card or on your most recent statement. These lines may operate outside standard customer service hours.
Credit card, mortgage, investment, and business account holders may also have dedicated support lines with different hours. Check your account documents or the Bank of America website to find the correct number for your account type. Calling the right department the first time will get you to someone who can actually help, rather than being transferred multiple times.
What to do if you need help outside business hours
If your issue is urgent and customer service is closed, use the mobile app or website to handle what you can. You can report a lost or stolen card, freeze your account, or transfer money to cover an urgent bill. The automated phone system can also handle these tasks if you prefer to call.
For true emergencies—like fraud on your account or a security breach—Bank of America's fraud line may have 24/7 availability. Check the back of your card or your statement for the fraud department number, which is often different from the main customer service line. If you're unsure whether your situation qualifies as an emergency, the automated system can help you determine the next step.
Frequently Asked Questions
Can I reach Bank of America customer service on holidays?
Bank of America customer service is closed on major U.S. holidays, including New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. The automated system will still be available, and you can request a callback for the next business day. Check the Bank of America website for a complete holiday schedule.
What if I'm calling from outside the United States?
International customers can reach Bank of America by calling collect or using a local access number if available in their country. Check the Bank of America website for international contact information, as the number and hours may differ from the domestic line. Some services may not be available for international callers.
How long does it take to reach a representative during business hours?
Wait times vary depending on the time of day and how busy the department is. Calling early in the morning or late in the afternoon typically means shorter waits than calling during lunch hours or right after the bank opens. If the wait is long, you can request a callback instead of holding.
Can I schedule an appointment with a Bank of America representative?
Yes. You can schedule an appointment at a local branch through the Bank of America website or by calling customer service. Branch hours may differ from phone support hours, so check your local branch's schedule. Some branches offer extended hours on certain days.
What should I do if I have a time-sensitive issue and customer service is closed?
Use the mobile app or website to handle urgent tasks like reporting fraud, freezing your account, or making transfers. If you need immediate help with something the automated system can't handle, leave a callback request with details about your issue, and mark it as urgent if the system allows.