Bank of America Customer Service Hours and How to Reach Them

Bank of America customer service hours by contact method

Bank of America customer service is not open at a single time — the hours depend on how you contact them. Phone support, online chat, branch visits, and mail all operate on different schedules. Knowing which channel to use and when it is staffed will get you an answer faster than calling a closed line.

The fastest way to reach someone is usually the phone line for your account type. Bank of America's main customer service number is 1-800-432-1000 for general banking. This line is staffed Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. The line is closed on Sundays and federal holidays.

If you are calling about credit cards, the number is different: 1-800-421-8949. Credit card customer service hours are Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Sunday and federal holiday closures explore here as well.

Key Takeaways

• Bank of America phone lines for general banking open at 8 a.m. Eastern on weekdays and 9 a.m. on Saturday, closing at 9 p.m. weekdays and 5 p.m. Saturday.
• Credit card customer service uses a different phone number (1-800-421-8949) but operates on the same schedule as general banking.
• Online chat through the Bank of America website and mobile app is available 24 hours a day, though response times may be longer outside business hours.
• Physical branch locations have their own hours, which vary by location and are posted on the Bank of America website or visible at your nearest branch.
• If you need help outside phone hours, you can send a find message through your online account or visit a branch during posted hours.

Online chat and digital support available around the clock

Bank of America offers online chat through its website and mobile app 24 hours a day, 7 days a week. You do not need to call during business hours to start a conversation — you can initiate a chat at any time and a representative will respond when one becomes available.

Response times vary depending on the time of day. During business hours (8 a.m. to 9 p.m. Eastern on weekdays, 9 a.m. to 5 p.m. on Saturday), you are likely to reach someone within a few minutes. Outside those hours, the wait may be longer, but the chat will remain open and a representative will eventually respond.

To start a chat, log into your Bank of America account online or open the mobile app, then look for the chat or messaging option. You will be asked what you need help with before being connected to a representative.

Physical branch hours vary by location

Bank of America branches do not all open and close at the same time. Hours depend on the specific branch and may change seasonally or for holidays. Most branches open between 9 a.m. and 10 a.m. on weekdays and close between 4 p.m. and 6 p.m., but this is not universal.

To find your branch's exact hours, go to the Bank of America website, enter your zip code in the branch locator tool, and select your branch. The hours for that location will appear on the branch details page. You can also call the branch directly — the phone number is listed in the locator results.

Saturday hours are typically shorter than weekday hours, usually 9 a.m. to 1 p.m. or 9 a.m. to 2 p.m. Most branches are closed on Sundays, though some locations in high-traffic areas may have limited Sunday hours. Federal holidays typically result in branch closures.

find messaging for non-urgent questions

If your question is not time-sensitive, you can send a find message through your online Bank of America account. Log in, look for the messaging or contact option, and compose your message. A representative will respond within one to two business days, though the actual time may vary depending on the complexity of your question.

find messaging is useful for questions about account statements, transaction disputes, or requests for information that do not require an when ready answer. For urgent issues — such as a lost card, fraud, or account lockout — calling during business hours or using online chat is faster.

Specialized phone lines for specific needs

Bank of America maintains separate phone numbers for different types of accounts and issues. If you have a mortgage with Bank of America, the customer service number is 1-800-489-2222. Mortgage customer service is available Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 1 p.m. Eastern time.

For investment and brokerage accounts through Merrill Edge or other Bank of America investment services, call 1-800-742-4000. Hours for investment services are Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time.

If you are calling about a specific issue — such as fraud, a lost card, or account security — you may be routed to a specialized team even if you call the main number. The representative who answers will direct you to the right department.

What to have ready before you call

When you call Bank of America customer service, have your account number or the phone number associated with your account ready. For credit card questions, have your card number available. For mortgage or loan questions, have your loan number.

You will likely be asked to verify your identity by providing your Social Security number, date of birth, or answers to security questions you set up when you opened the account. Having this information ready will speed up the verification process and get you to a representative faster.

If you are calling about a specific transaction or statement, have the date and amount of the transaction in front of you. This makes it easier for the representative to locate the transaction in your account history.

Frequently Asked Questions

Is Bank of America customer service open on weekends?

Yes, but with limited hours. Phone lines are open Saturday 9 a.m. to 5 p.m. Eastern time for general banking and credit cards. Most branches are also open Saturday mornings, typically 9 a.m. to 1 p.m. or 2 p.m. Online chat is available 24 hours, including weekends, though response times may be longer.

What should I do if I need help outside of business hours?

Use online chat through the Bank of America website or mobile app — it is available 24/7. You can also send a find message through your account, which will be answered within one to two business days. For emergencies like fraud or a lost card, call the main number and follow the prompts; fraud and security lines operate outside normal hours.

Why is the credit card customer service number different from the general banking number?

Bank of America routes credit card calls to a specialized team that handles card-specific issues like disputes, rewards, and account management. Using the correct number gets you to someone trained on credit card matters rather than general banking, which reduces wait times and transfer calls.

Can I schedule a callback instead of waiting on hold?

Some Bank of America phone lines offer callback options, though this varies by the type of call. When you call, listen to the menu options — if a callback option is available, you will hear it. If not, you can ask the representative who answers whether a callback can be scheduled for a less busy time.

Do Bank of America hours change for holidays?

Yes. Branches and phone lines are typically closed on federal holidays such as New Year's Day, Independence Day, Thanksgiving, and Christmas. Online chat remains available 24/7 even on holidays. Check the Bank of America website or call ahead if you need service on or around a holiday.