Change your address online, by phone, or in person at a branch
Bank of America lets you update your mailing address through your online account, by calling customer service, or by walking into a branch. The online method is fastest — it takes about five minutes and the change usually takes effect within one business day. If you call or visit in person, the timeline is the same, but you will need to verify your identity first.
Your address change applies to all accounts linked to your Social Security number at that bank. If you have a checking account, savings account, and credit card all with Bank of America, updating the address once changes it across all three. The bank will use the new address for statements, tax documents, and any mail related to your accounts.
You do not need to change your address immediately if you are moving, but do it before your next statement cycle so the bank has the correct location for tax forms like 1099s. If you receive paper statements and do not update the address, mail will go to your old location and you may miss important notices.
Key Takeaways
- Online updates through your Bank of America account take effect within one business day and are the fastest method.
- Your address change applies to all accounts you hold at Bank of America that are linked to your Social Security number.
- You can also call 1-800-432-1000 or visit a local branch to update your address if you do not have online access.
- Update your address before the end of the calendar year if you want tax documents sent to your new location.
Update your address through your online account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Click on your profile or account settings — the exact location varies slightly depending on whether you are on desktop or mobile, but it is usually in the top right corner or under a menu labeled "Settings."
Look for an option labeled "Profile," "Personal Information," or "Address." Click it and you will see your current mailing address on file. Select "Edit" or "Change Address" and enter your new street address, city, state, and ZIP code. Do not leave any field blank — the bank needs all parts of the address to process the change correctly.
Review the address you entered to make sure there are no typos, then click "Confirm" or "Save." The bank will send you a confirmation message either on screen or to your email address on file. Your new address takes effect within one business day, though it may show as updated immediately in your account.
Call Bank of America customer service to update by phone
Call 1-800-432-1000 and tell the representative you want to update your mailing address. They will ask you to verify your identity by providing your Social Security number, date of birth, or answers to security questions you set up when you opened your account. This verification step usually takes two to three minutes.
Once verified, give the representative your new complete address. Spell out the street name and city if there is any chance of confusion — for example, "Main Street" versus "Main Avenue." Ask the representative to read the address back to you before they submit the change so you can catch any errors.
The representative will confirm that the change has been submitted and tell you when it will take effect — usually within one business day. Ask for a confirmation number if you want a record of the call. If you are calling from a phone number different from the one on file, the bank may ask additional verification questions.
Update your address in person at a Bank of America branch
Walk into any Bank of America branch with a government-issued photo ID and your account number or debit card. Tell a teller or banker that you want to update your mailing address. They will pull up your account and show you the current address on file.
Provide your new address and the teller will enter it into the system while you watch. Ask them to print a receipt showing the old and new addresses so you have proof of the change. The update takes effect within one business day, the same as online or phone updates.
Updating in person is useful if you do not have online access, if you want to handle multiple account changes at once, or if you prefer to speak face-to-face. Branches are open Monday through Friday during business hours, and some locations have Saturday hours. Check the Bank of America website for your nearest branch location and hours.
What happens to automatic payments and direct deposits after you change your address
Your automatic bill payments and direct deposits do not stop or change when you update your mailing address. The address change affects only where the bank sends paper mail — it does not touch the routing numbers, account numbers, or payment instructions tied to your accounts.
If you have set up direct deposit with your employer, you do not need to notify them of your address change. The bank will continue to deposit paychecks into the same account using the same routing and account numbers. The new address will appear on your pay stub only if your employer pulls it from the bank, which most do not.
If you have automatic bill payments set up, those continue to the same payees without interruption. The address change does not affect which bills are paid or when they are paid. However, if you are moving and want to change the billing address on a specific bill — for example, your electric bill — you will need to contact that company separately.
Update your address on your Bank of America credit card separately if needed
If you have a Bank of America credit card, the address change you make in your checking or savings account may not automatically update the credit card. Log into your credit card account separately and check whether the address has changed. If it has not, follow the same steps: go to account settings, find the address field, and update it.
Some Bank of America customers have all their accounts linked in one login, in which case one address change updates everything. Others have separate logins for checking and credit cards. If you are unsure whether your accounts are linked, call 1-800-432-1000 and ask the representative to confirm.
The credit card company uses your address to send statements, notices of changes to your terms, and fraud alerts. If your credit card address is wrong and you move, you may not receive important notices about your account. Update it as soon as you update your checking or savings address.
Timing: when the address change takes effect and when to do it
Address changes take effect within one business day through any method — online, phone, or in person. "Business day" means Monday through Friday, excluding federal holidays. If you make the change on a Friday evening, it may not process until Monday.
If you are moving and want your tax documents sent to your new address, make the change before December 31 of the year you are moving. The bank uses the address on file as of December 31 to determine where to send 1099 forms and other tax documents in January. If you change your address on January 5, the 1099 will have already been sent to your old address.
If you have already moved and your mail is going to your old address, you can file a change of address with the U.S. Postal Service. The post office will forward mail to your new location for up to 12 months. This gives you time to update your address with the bank and any other organizations that send you mail.
Frequently Asked Questions
Do I need to update my address if I only use my debit card and never receive paper statements?
You should still update your address because the bank uses it for tax documents, fraud alerts, and legal notices. Even if you do not receive paper statements, the bank may need to contact you by mail about changes to your account or suspicious activity. An outdated address means you might miss important information.
What if I am moving to a different country?
Bank of America can accept some international addresses, but the process is more complex. Call 1-800-432-1000 and tell the representative you are moving abroad. They will ask which country and may need to verify that the bank serves that location. Some countries have restrictions on which services Bank of America offers, so the representative will explain your options.
Can I have two addresses on file, like a winter home and a summer home?
Bank of America allows only one mailing address per account. If you split time between two locations, you will need to choose which one receives your mail. You can update the address twice a year if you want, but the bank will only mail documents to whichever address is current on file. Some customers use a mail forwarding service or a family member's address to solve this problem.
Will changing my address affect my credit score?
No. Updating your mailing address does not change your credit score or appear on your credit report. The address is internal information the bank uses for mail delivery. Credit bureaus track payment history, debt levels, and account age — not address changes.
What if I made a typo when I updated my address online?
Log back into your account and correct it immediately. The change takes effect within one business day, so if you catch the error before that, update it again and the second change will override the first. If the bank has already sent mail to the wrong address, contact them by phone to explain the error and ask them to resend documents to the correct address.