Bank of America customer service hours by phone and channel
Bank of America's customer service phone line opens at 8 a.m. Eastern time on weekdays and 9 a.m. on Saturdays. The line closes at 9 p.m. Eastern on weekdays and 6 p.m. on Saturdays. The bank does not staff phone support on Sundays or federal holidays. The number to call is 1-800-432-1000 for general customer service.
Hours vary slightly by the type of account or issue you're calling about. If you're calling about a credit card, the dedicated line is 1-800-435-7000 and operates on the same schedule. Mortgage customers can reach a dedicated line at 1-800-209-3111, also open 8 a.m. to 9 p.m. Eastern weekdays and 9 a.m. to 6 p.m. Saturdays.
Wait times are typically shortest early in the morning, around 8 a.m. to 9 a.m. Eastern, and longest during lunch hours and late afternoon. If you call outside business hours, an automated system will tell you when the next representative will be available and offer to take a message.
Key Takeaways
- Bank of America phone customer service opens at 8 a.m. Eastern on weekdays and 9 a.m. on Saturdays, closing at 9 p.m. and 6 p.m. respectively.
- Credit card and mortgage customers have dedicated phone lines with the same hours as the main line.
- No phone support is available on Sundays or federal holidays, though you can leave a message for a callback.
- Online chat and mobile app support are available 24/7, making them faster options outside regular phone hours.
- Wait times are shortest in early morning hours and longest during midday and late afternoon.
Reaching customer service outside phone hours
If you need help outside the phone line's operating hours, Bank of America offers 24/7 support through other channels. You can use the mobile app to message customer service, access account information, and handle many transactions without waiting for a representative. The app is available for iOS and Android devices.
Online chat is also available around the clock on the Bank of America website. To start a chat, log into your account and look for the chat icon, usually in the lower right corner of the page. Chat wait times vary but are often shorter than phone wait times during business hours.
Email support is available but typically takes 24 to 48 hours for a response. For urgent issues outside phone hours, chat or the mobile app are faster options.
What to have ready before you call
Bank of America will ask you to verify your identity before discussing your account. Have your Social Security number, account number, or the phone number associated with your account ready. If you're calling about a specific transaction or issue, have the date and amount available.
If you're calling about a problem with a payment, transfer, or fraud claim, have any relevant documentation nearby—screenshots of error messages, confirmation numbers, or statements showing the transaction in question. This speeds up the call and helps the representative understand the issue faster.
Calling from outside the United States
If you're calling from outside the U.S., you can reach Bank of America at +1-610-383-1000. This is a long-distance call and may incur international charges depending on your phone plan. The hours are the same as the domestic line: 8 a.m. to 9 p.m. Eastern weekdays and 9 a.m. to 6 p.m. Saturdays.
International callers often experience longer wait times. If possible, use online chat or the mobile app instead, as these do not incur international calling charges.
Visiting a Bank of America branch in person
If you prefer to speak with someone face-to-face, you can visit a local Bank of America branch. Branch hours vary by location but typically run 9 a.m. to 5 p.m. on weekdays, with reduced hours on Saturdays and no Sunday service at most locations. Some branches in urban areas stay open later or open on Sundays.
To find your nearest branch and confirm its hours, use the branch locator on the Bank of America website or call the main customer service line. Bringing your ID and account information will speed up your visit.
Callback requests and priority service
If you call outside business hours, you can request a callback instead of waiting on hold. The system will ask for your phone number and preferred time to be called back. Bank of America typically returns callbacks within the next business day, though this is not may provide.
If you're a Preferred Rewards member or have a higher account balance, you may have access to a priority phone line with shorter wait times. Ask about this when you call, or check your account settings in the mobile app to see if you may have access to.
Frequently Asked Questions
Can I reach Bank of America customer service on Sunday?
No, phone customer service is not available on Sundays. However, you can use online chat or the mobile app 24/7, or leave a message requesting a callback during your preferred time on Monday.
What's the fastest way to reach someone at Bank of America?
Online chat and the mobile app typically have shorter wait times than the phone line, especially during business hours. If you need to speak to someone by phone, calling right at 8 a.m. Eastern on a weekday usually means the shortest wait.
Do I need to call a different number for different types of accounts?
The main number (1-800-432-1000) works for all accounts, but credit card and mortgage customers have dedicated lines that may route you faster to a specialist. All numbers operate on the same schedule.
What happens if I call after 9 p.m. on a weekday?
An automated system will answer and tell you the next available hours. You can leave a message with your callback number, and a representative will call you back during business hours, usually the next day.
Is there a way to skip the wait and talk to someone immediately?
No may provide way to skip the queue, but calling early in the morning or using online chat typically means shorter waits. Preferred Rewards members may have access to a priority line with faster service.