A:Press 0#, then 0#, then 0, then 0 then 1, then 0#.Our free phone can also navigate phone menus to get a live human at Bank of America for you.
Q:
Does Bank of America offer 24 hour customer service?
A:Not at this number; hours here are Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST.The least busy day is Sunday, and the most busy day is Tuesday.Schedule a call when the call center is open and when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 1 minute and 59 seconds.The longest hold times are on Friday, and the shortest are on Sunday.You can skip the hold time for free.
Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone · Free tools available: Talk for me, Skip the wait, Schedule my call
24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·
Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.) · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · Mon-Fri 8am-9pm EST · Press "0" at every prompt for Mortgage Department · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · Mon-Fri 8am-9pm EST · Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud. · Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID. · Free tools available: Talk for me, Skip the wait, Schedule my call
Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.
Toll-free · Mon-Fri 9am-5pm EST · Calling this Bank of America number should go right to a real human being · Just hold online until a representative picks up · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Bank of America below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Bank of America phone number to document the phone system.
Here is how our research team describes the way the Bank of America phone system greets you: Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 0#, then 0#, then 0, then 0 then 1, then 0#
Below are some clips we've found from Bank of America's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
They may ask for information for security purposes
"Card, or account number.
For security, you must provide required information to speak with an associate or use our automated service."
Excerpt from a call with Bank of America
Monday, December 30, 2024 8:28 PM
They may need the phone number on your account
"Welcome to Bank of America. This call may be recorded.
As a mobile banking user, you can now use the Bank of America mobile app to verify your identity for this conversation.
I can send you a text message for that. Message and data rates may apply."
Excerpt from a call with Bank of America
Wednesday, July 16, 2025 11:02 PM
They may ask your reason for calling (instead of a menu)
"Thank you for being a Preferred Rewards Platinum Honors client.
This amount includes a direct deposit for three hundred fifteen dollars In a few words, please tell me what you're calling about."
Excerpt from a call with Bank of America
Monday, January 6, 2025 5:53 PM
They may ask you to enter information with the dial pad
"Welcome to Bank of America. This call may be recorded. To get started, please enter the last four digits of either your ATM debit card number or your Social Security number or tax ID."
Excerpt from a call with Bank of America
Sunday, March 9, 2025 4:58 PM
They may ask you to say or enter information
"Card, or account number.
Security, you must provide required information to speak with an associate or use the automated service.
Please say or enter your telephone access ID, For security, you must provide required information to speak with an associate or use the automated service."
Excerpt from a call with Bank of America
Sunday, July 13, 2025 3:39 AM
The first phone menu
"Welcome to Bank of America.
This call may be recorded. To get started, please say or enter your telephone access I I didn't understand.
Please say or enter your tell I didn't understand.
Please say
Okay. In order to get you to the right place, in a few words, please tell me what you're calling about.
You're calling to order a new card. Is that right?
Okay. To replace an existing debit card, say debit card or press one.
To replace an existing credit card, say replace credit card or press two."
Excerpt from a call with Bank of America
Wednesday, October 9, 2024 3:24 PM
After you press 1
"You can also say main menu.
Okay. If you're replacing your debit card because it was damaged, say damaged or press one.
If your card was lost, say lost or press two."
Excerpt from a call with Bank of America
Wednesday, October 9, 2024 3:24 PM
What are the hours and when should I call?
Bank of America operates the call center for this 800-432-1000 phone number Mon-Fri 8am-11pm, Sat-Sun 8am-8pm ET.The short answer is that you should call on a Sunday.This observation and the following section are based on analysis of a sample set of 7,915 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Bank of America at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Bank of America is Sunday.The most busy day to call is Tuesday, which averages 291% more phone calls by comparison.Again, this is based on a sample of 7,915 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Sunday.The longest wait in the queue on average occurs on Friday, which is 8771% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Bank of America is Sunday.In this case, it's a no-brainer. Sunday is not only the least busy day for calling this Bank of America number, but it is also the day with the shortest hold times.
I'm not currently a customer of Bank of America. I was interested in opening an account, and this is the phone number on their website. However, I couldn't reach anyone. The automated menu asks for a telephone access ID, card or account number. After not responding, it said you must provide the requested information to speak with an agent for security reasons or use the automated system. There were no instructions on accessing an automated system, though. I tried pressing 0, but it just repeated the message. After two repeats, it disconnects the call.
On Bank of America's customer support page, there are several categories to choose from to get relevant contact information. This number is listed for most of them. There are different numbers for things like credit cards and auto loans. Some categories, like account changes, direct you to schedule an appointment with a local branch. If you don't have a local branch, it provides this customer support number. The general help page says this number is for general account information, lost or stolen ATM or debit cards and opening an account.
Bank of America has a customer support website. This is where you can find the phone numbers for different needs. Most of them have a corresponding page of frequently asked questions. There's also a branch and ATM locator, and you can schedule in-person appointments. For contact methods, they have phone numbers, their mailing address and links to message them through Facebook or Twitter.
The online help center has quite a few articles covering several topics. They list trending topics along the top, including routing number, bill pay, make a payment, dispute charge and Erica virtual assistant. It looks like they have articles covering all of their products and tools. You can apply for checking, savings, CDs, credit card and loan accounts from their main home page. Each has its own landing page with information on the different options. Online banking is heavily promoted, and most of their tools are online.
It seems this phone number is only intended for current customers. You need to verify your account information to get to an agent. Even though this number is listed online as a way to open new accounts, I only see a way to do that in person at a branch or by applying on their website. Online reviews show many customers are unhappy with Bank of America's phone support. The most common reason to call is for fraud or unauthorized charges; since this is a more complex issue, I'd rather speak to someone than try to navigate it online. However, many of the bad reviews complain about the lack of help in this area.
Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
Why Customers Call Bank of America
If you have time to do a bit of reading before you call Bank of America, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Bank of America customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Bank of America, and their purpose. Are any of these similar to the reason you are trying to call?
Close account: "It's like it stopped working."
- From a call lasting 36m 44s , Jul 21, 2025 10:15 PM
Sign up for online banking: "I'm trying to figure out how to sign up for online banking."
- From a call lasting 14m 27s , Jul 20, 2025 4:55 PM
Information about why customers call Bank of America is extracted from issues that customers have reported to GetHuman.
Takes you to drop down list...chat will be offered if available after you make your selection
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Bank of America provides this option.
Bank of America Customer Service on X (formerly Twitter)
Bank of America Customer Support offered by Twitter
Bank of America, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
Bank of America Customer Service on Facebook / Messenger
Use this link to get help with your issue through Faccebook
Some customer service teams, like that of Bank of America, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
Online link for signing up for new services for New Home Equity Lines of Credit & Loans
As a last, sometimes only, resort- Bank of America customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Bank of America's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Bank of America agent. This phone number is Bank of America's best phone number because 6,072 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-432-1000 include Report Fraud, Card Declined, Account Access, Dispute a Charge, Missing Payment and other customer service issues. Rather than trying to call Bank of America first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or chat or web or twitter or facebook. In total, Bank of America has 17 phone numbers. It's not always clear what is the best way to talk to Bank of America representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Bank of America. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Bank of America. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
