Having a Bank of America credit card provides great benefits like cash back, travel rewards, and fraud protection. But those perks come with the responsibility of paying your bill on time each month. Missed payments lead to interest charges, credit damage, and even account closure.
Paying online through Bank of America’s website or mobile app is the fastest, most convenient way to stay on top of your monthly credit card bills In this guide, I’ll outline the step-by-step process to pay your Bank of America credit card online
Overview of Paying Bank of America Credit Cards Online
Paying online offers many advantages over mailing checks or paying in person
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It’s fast – Online payments credit to your account immediately, whereas mailed payments take days to process.
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More secure – Online payments avoid checks getting lost or stolen from your mailbox
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24/7 access – Pay anytime from your computer or mobile device.
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Payment tracking – Get instant confirmation when your payment goes through.
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Auto-pay options – Set up recurring payments to avoid late fees.
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Rewards tracking – Your points earn as soon as payments post.
Bank of America offers multiple ways to pay online:
- Directly through their website
- Via the Bank of America mobile banking app
- Third-party bill pay services like PayPal
I’ll walk through the easiest options for setting up online payments directly with Bank of America.
Step 1: Log In to Online or Mobile Banking
First, you need to have an active online banking account with Bank of America. If you don’t, visit bankofamerica.com and enroll using your debit card or account number.
Once enrolled, you can log in on the Bank of America website by clicking “Online Banking” and entering your username and password.
For mobile access, download the Bank of America app on your iPhone or Android device. Sign in with your online banking credentials.
Step 2: Navigate to Credit Card Payment
On the Bank of America website:
- Click on the “Accounts” tab
- Select your credit card account under “Credit Card Accounts”
In the mobile app:
- Tap on the “Accounts” tab from the bottom menu
- Choose your credit card account
This will show you an overview of your credit card account, including the balance and minimum payment due.
Step 3: Select “Make a Payment”
To actually submit a payment, look for and click/tap the “Make a Payment” button. This will open the payment entry form.
On the website, the button is at the top of the account overview page. In the mobile app, you may need to scroll down to find it.
Step 4: Enter Payment Details
In the payment form:
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Choose payment source – Select the bank account or other source you want the payment to debit from.
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Enter payment amount – Type the amount you want to pay. Meet at least the minimum due to avoid late fees.
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Pick a delivery date – For one-time payments, choose the date you want the payment to process.
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Set up recurring payments – Check the box to repeat the payment automatically each month.
When finished, click/tap “Continue” to go to payment review.
Step 5: Review and Submit Payment
On the review page, verify:
- The source account is correct
- The payment amount is what you entered
- The delivery date is when you want it paid
If everything looks good, click/tap “Submit Payment” for final confirmation.
You should get an instant payment confirmation on screen and via email. The payment will debit from your selected source account right away.
Other Helpful Online Payment Tips
Here are some other useful tips for managing online credit card payments with Bank of America:
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Sign up for account alerts – Get notified immediately of payments and important account activity via text or email alerts.
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Check balances first – Log in and check your balance and available funds in your bank account before making large credit card payments.
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Schedule ahead – For important payments, schedule them a few days early to account for bank processing time.
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Pay before closing – Try to submit payments before the 6:00 PM Eastern cut-off time for same-day processing.
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Save payment info – Store your account numbers to quickly pay other cards or auto loans in the future.
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Check rewards – Log in and ensure new points from purchases post after payments clear.
Paying your Bank of America credit card online is fast, easy, and secure. Just follow the step-by-step process outlined above to avoid hassles and late fees.
Responsibly managing your account online allows you to maximize the rewards and benefits that make Bank of America cards so great. Pay on time via the website or mobile app to keep your accounts in good standing.
Frequently Asked Questions (FAQ) About Paying Bank of America Credit Cards Online
Here are answers to some common questions about paying Bank of America credit card bills online:
What are the various online payment options?
You can pay directly on the Bank of America website, via the mobile banking app, through online bill pay services, or from external bank account interfaces.
Is there a fee for online payments?
Bank of America does not charge a fee for online credit card payments made from a Bank of America bank account. Fees may apply for payments made through non-Bank of America accounts.
When will my online payment be reflected on my account?
Online payments should post to your credit card account immediately once the payment is submitted and confirmed.
Can I schedule future payments?
Yes, you can set up recurring automatic payments on fixed dates each month when setting up the payment details.
What if I input the wrong amount or date?
You can cancel payments scheduled for a future date. Reach out to Bank of America customer service right away if you need to cancel a same-day payment submitted in error.
How do I know if my payment went through?
You will receive instant payment confirmations onscreen and via email after successfully submitting payments online. You can also log in anytime to view payment history.
Can I make payments from external bank accounts?
Yes, you can provide routing and account numbers for accounts at non-Bank of America banks when entering your payment source.
How late can I pay online to avoid a late fee?
You typically need to submit your online payment by 6:00 PM Eastern to have it count as paid on that day and avoid lateness fees.
Paying your credit card bill online with Bank of America is simple and convenient. Follow this guide to easily stay on top of payments and avoid costly late fees.
