How to Update Your Address With Bank of America

The fastest way to change your address on Bank of America

You can change your address online through your Bank of America account, by phone, or in person at a branch. The online method is fastest — it takes about five minutes and the change usually shows up within one business day. If you use the phone or visit a branch, you'll need to verify your identity with information like your Social Security number or account details.

Bank of America keeps separate addresses for different purposes: your mailing address (where statements go), your billing address (linked to your debit or credit card), and your residential address (your actual home). You may need to update one, some, or all of them depending on why you moved.

Key Takeaways

• Online address changes through your Bank of America account take about five minutes and process within one business day.
• You have three addresses on file — mailing, billing, and residential — and you can update them separately or together.
• Phone updates require identity verification and may take one to three business days to process.
• In-person updates at a branch are when ready if you bring a government-issued ID and proof of your new address.

Changing your address online

Log into your Bank of America account on the website or mobile app. Go to Settings (usually a gear icon), then select "Profile" or "Account Information." Look for "Addresses" or "Contact Information" and click "Edit" or "Update." You'll see fields for mailing address, billing address, and residential address — update whichever ones have changed.

Enter your new street address, city, state, and ZIP code. Bank of America will ask you to confirm the address is correct before you submit. Once you click "Save" or "Confirm," the change is sent to their system. You should receive an email confirmation within a few minutes. Most changes appear in your account within one business day, though some may take up to three.

If you can't find the address section in your account, call Bank of America's customer service line at 1-800-432-1000 and ask them to walk you through it. They can also tell you whether your specific account type allows online address changes.

Changing your address by phone

Call Bank of America at 1-800-432-1000. Have your account number, Social Security number, and new address ready. The representative will verify your identity by asking security questions or requesting information from your account. This usually takes five to ten minutes.

Tell the representative which addresses you need to update — mailing, billing, residential, or all three. They will read back the new address to confirm it's correct before processing the change. Ask them to note in your account that you've called in with an address change, so if there's any delay you have a record of when you requested it.

Phone changes typically process within one to three business days. The representative will tell you when to expect the change to appear in your account. If you don't see it after three business days, call back and reference the date and time of your first call.

Changing your address in person at a branch

Visit any Bank of America branch with a government-issued photo ID (driver's license, passport, or state ID) and a piece of mail or document showing your new address. Utility bills, lease agreements, and mortgage statements all work. The branch employee will update your addresses in their system while you wait.

In-person changes are processed when ready — you'll see the update in your account that same day. This method is useful if you're having trouble with online or phone updates, or if you want to handle other account matters at the same time. You don't need an appointment for an address change, but you can call ahead to confirm the branch is open.

If you don't have proof of your new address yet, the branch can sometimes update your mailing address based on your ID alone, then you can add the other addresses later once you have documentation.

What happens to your old address on file

Bank of America replaces your old address with the new one — they don't keep both on record. If you need statements or other mail sent to a temporary address before your permanent move, tell the representative or note it in the online form. Some customers update their mailing address first, then their residential address a few days later once they've settled.

If you're moving out of state, make sure to update your address before you close any accounts or open new ones, because your state of residence affects tax reporting and account features. Bank of America will send you a confirmation email or letter to your new address once the change is complete.

Updating addresses on credit cards and debit cards

Your debit card and any Bank of America credit cards are linked to your billing address. When you update your billing address in your account settings, it applies to all cards automatically. You don't need to call the card department separately.

If you have a card from another bank, you'll need to update the address with that bank directly — Bank of America can't change addresses on cards they didn't issue. Check the back of the card for a customer service number.

Frequently Asked Questions

How long does it take for my address change to show up?

Online changes usually appear within one business day. Phone changes take one to three business days. In-person changes at a branch are when ready. If it's been longer than three business days, contact Bank of America to confirm the change went through.

Do I need to update my address if I'm just moving temporarily?

If you're moving for a few months, you can update your mailing address to the temporary location and leave your residential address the same. This way statements go to where you are, but your account records show your permanent home. You can change it back whenever you're ready.

What if I don't have proof of my new address for an in-person update?

The branch can update your mailing address using your government ID alone. For your residential address, they may ask you to come back once you have a utility bill, lease, or other document showing your new address. You can also update these online or by phone without proof.

Will changing my address affect my credit score?

No. Updating your address with Bank of America does not affect your credit score. It's a routine account maintenance change that doesn't show up on your credit report.

Can I update my address if I'm not the primary account holder?

If you're an authorized user on the account, you can update the mailing address online or by phone. For residential or billing address changes, the primary account holder usually needs to make the request. Call Bank of America to confirm what you can change as an authorized user.