Bank of America Customer Service Numbers, Fraud, Cards and Complaints

Bank of America customer service for checking and savings accounts is 1-800-432-1000. Live representatives are generally available Monday through Friday from 8:00 a.m. to 11:00 p.m. ET and Saturday and Sunday from 8:00 a.m. to 8:00 p.m. ET; automated support is available 24/7. Credit-card customers should call 1-800-732-9194, which is available 24 hours a day.

Bank of America contact information reviewed and updated August 29, 2026.

Bank of America Phone Numbers by Department

Bank of America accepts telecommunications relay calls. Dial 711 and request connection to the appropriate number. The bank also states that language interpretation is available at no cost when speaking with an agent or visiting a financial center.

Choose the Right Bank of America Department

Start with the department that can access the affected product:

• Checking, savings, debit card, deposit, fee or account access: general banking at 1-800-432-1000.
• Credit-card payment, charge, rewards, interest, replacement or decline: credit-card service at 1-800-732-9194 or the number on the card.
• Unauthorized debit-card or ATM transaction: 1-877-366-1121.
• ATM did not dispense cash, retained a card or credited a deposit incorrectly: 1-844-401-8500.
• Mortgage, home equity or auto loan: use the product-specific number rather than general banking.
• Branch-specific service or identity-document issue: use the official financial center and ATM locator to find the local number or schedule an appointment.

Before You Call

Gather the affected account type, transaction date and amount, merchant or recipient name, relevant statement, previous claim number and the exact resolution you want. Do not place a full account number, card number, Social Security number, password, PIN or one-time code in a public review, ordinary email or social-media message.

Lost Cards, Unauthorized Transactions and Suspected Fraud

Lost or Stolen Debit Card

Lock the card in the Bank of America app or Online Banking if available, then report it lost or stolen through the signed-in account or by calling 1-800-432-1000. A temporary card lock is useful while looking for a misplaced card, but it is not a substitute for reporting a card that is actually lost, stolen or compromised.

1. Review pending and posted transactions.
2. Report the card and any unauthorized activity promptly.
3. Confirm the replacement-card delivery address.
4. Ask whether digital-wallet credentials or recurring payments need to be updated.
5. Continue monitoring the account after the replacement arrives.

Lost or Stolen Credit Card

Call 1-800-732-9194 or report the card through Online Banking. Credit-card support is available 24/7. From outside the United States, call 1-302-738-5719.

Unauthorized ATM or Debit-Card Transaction

Call 1-877-366-1121 or select the eligible transaction in Online Banking or the app. Record when you first noticed the transaction and when you secured the account.

Before reporting a posted transaction, check whether:

• An authorized user made it;
• The merchant’s statement name differs from its public name;
• It is a recurring subscription;
• A hotel, gas station or rental company placed a temporary authorization; or
• The transaction is still pending and may change.

If you did not make or approve the transaction, do not delay the fraud report while trying to identify the merchant.

How To Dispute a Bank of America Transaction

Fraud and merchant disputes are different. A transaction is potentially unauthorized when neither you nor another authorized user made or approved it. A merchant dispute generally means you recognize the merchant but disagree with the amount, duplicate billing, delivery, quality, cancellation or missing refund.

Before Starting a Merchant Dispute

Bank of America recommends contacting the merchant first when appropriate because the merchant may resolve the issue faster. Only posted transactions can normally be disputed through the online process. Keep receipts, cancellation confirmations, delivery or return tracking, merchant messages and the date you requested a correction.

Dispute Through the App or Online Banking

1. Sign in through the official Bank of America app or BankofAmerica.com.
2. Select the account containing the transaction.
3. Select the posted transaction.
4. Choose Dispute transaction or Dispute this transaction when shown.
5. Answer the questions and submit the requested records.
6. Save the claim confirmation and any stated deadline.

Most eligible claim statuses can be viewed in the app under Inbox > Status Tracker or in the Online Banking Communications Inbox. Bank of America says closed claim files can remain viewable for up to 120 days. Business-account claims may not appear in the consumer tracker.

Act promptly. Bank of America states that most transactions must be disputed within 60 days of the statement on which the error appeared. Different legal, account and card-agreement deadlines may apply. For credit-card billing questions, call 1-866-266-0212 and use the mailing address printed on the current statement when a written notice is required.

Bank of America Zelle Problems and Wire-Transfer Fraud

Zelle Payment Sent Through Bank of America

If you used Zelle inside the Bank of America app or Online Banking, contact Bank of America about enrollment, a pending payment, the wrong recipient, an unauthorized transfer or an account takeover. Review the payment in the app, secure Online Banking and report the specific transaction promptly.

An unauthorized transfer is different from a payment you personally sent after being deceived. Report either situation, but the investigation and recovery options may differ. Bank of America states that neither it nor Zelle offers purchase protection for authorized Zelle payments.

• Never send money to yourself because a caller says the transfer will reverse fraud.
• Never give a caller a one-time code.
• Do not use Zelle to pay an unfamiliar seller solely because the price appears attractive.
• Keep the recipient information, payment date, amount, messages and bank case number.

For broader payment-network help, including the difference between Zelle and bank support, see the CSN Zelle customer service guide.

Wire-Transfer Fraud

Call 1-877-337-8357 immediately if a wire was unauthorized, sent to the wrong recipient or induced by a scam. From outside the United States, call 1-302-781-6374. Ask whether a recall, hold or fraud notification to the receiving bank is still possible. A request does not guarantee recovery.

Have the transfer amount, date, originating account, beneficiary, receiving bank, wire reference number and relevant communications ready.

ATM Problems, Deposit Holds and Missing Deposits

Bank of America ATM Support

• Problem with an ATM: 1-844-401-8500, option 1.
• ATM deposit or withdrawal claim: 1-844-401-8500, option 3.
• General ATM account service: 1-844-401-8500, option 4.

Record the ATM location or identification number, date and time, requested amount, amount received, receipt and the transaction shown in the account. Note whether Bank of America or another company operated the ATM.

Deposit Hold or Missing Deposit

Review the deposit receipt, stated availability date, account transaction details and any hold or exception notice. Ask:

• What amount is being held?
• Why was the hold placed?
• When will each portion become available?
• Was the deposited item returned or only delayed?
• Is additional verification required?
• Can the explanation be provided in writing?

For an ATM deposit discrepancy, save the receipt and start an ATM claim. For a missing direct deposit, ask the sender or payroll provider for the payment date and trace information before calling.

Online Banking, Secure Messages, Chat and Appointments

For a login problem, use the official Forgot Online ID or Password process or call 1-800-432-1000. Type BankofAmerica.com directly or use the official app rather than following an unexpected message link.

After signing in, select Contact Us and choose the affected topic. Available methods can include a product-specific phone number, secure email, Message Center, chat, Erica or appointment scheduling. Chat is not available for every topic or at all times. Secure email is not the right route for urgent fraud.

• Official Bank of America contact directory
• Bank of America Online Banking sign-in
• Financial center and ATM locator
• Schedule a Bank of America appointment

Account Restrictions, Fees, Stop Payments and Account Closure

Locked, Restricted or Closed Account

Call 1-800-432-1000 using a verified phone number. Ask which department placed the restriction, what verification or documents are required, how pending deposits and scheduled payments will be handled and—if the account is closing—when and how the remaining balance will be returned.

A local financial center may help with identity or document verification, but a branch employee may not be able to reverse a decision made by a centralized fraud, risk, card or lending team. Request a case number and the final explanation in writing when possible.

Fee or Overdraft Complaint

1. Identify the exact fee and transaction.
2. Review the current fee schedule for the specific account.
3. Check the balance, direct-deposit or relationship requirement tied to any waiver.
4. Ask customer service for an itemized explanation and available fee review.
5. Save the decision and any promised adjustment.

A representative may review a fee, but a refund is not guaranteed.

Stop Payment on a Personal Check

Request a stop payment through Online Banking or call 1-800-432-1000. Have the exact check number, amount, date and payee. Review the confirmation carefully; a stop payment cannot stop a check that has already been paid.

Closing a Checking or Savings Account

Move direct deposits and recurring payments, allow pending transactions to settle, cancel scheduled Bill Pay items, download statements, resolve any negative balance and obtain closure confirmation. Do not withdraw the balance and assume the account automatically closes.

Bank of America Mortgage, Home-Equity, Auto-Loan and Business Support

Mortgage and Home Equity

• Existing mortgage: 1-800-669-6607, Monday through Friday from 8:00 a.m. to 9:00 p.m. ET
• New mortgage application: 1-800-270-5746
• Existing home-equity account: 1-800-934-5626, Monday through Friday from 8:00 a.m. to 9:00 p.m. ET
• New home-equity application: 1-800-779-3894

Contact the servicing department about payments, payoff statements, escrow, taxes, insurance, hardship assistance, a lien, fraud or a home-loan complaint. Verify the current issue-specific address before mailing a payment, notice of error, request for information or time-sensitive document.

Auto Loans

• Existing auto loan: 1-800-215-6195, Monday through Friday from 8:00 a.m. to 8:00 p.m. ET
• New auto-loan customer: 1-844-892-6002

Use auto-loan support for payments, automatic payments, payoff quotes, title or lien release, address changes, insurance information, hardship questions or suspected identity theft.

Small-Business Banking

• Existing small-business account: 1-888-287-4637
• Open a new business account: 1-866-283-4075

Business transactions and disputes may follow different procedures from consumer claims. Use the number on the business card or statement when it provides more direct routing.

How To Escalate a Bank of America Complaint

1. Contact the correct department. Begin with banking, credit cards, fraud, mortgage, auto loan or business support as appropriate.
2. Create a short timeline. List the important dates, amounts, transactions, contacts and decisions.
3. Request a case or claim number. Record the department, representative identifier and promised next step.
4. State the requested resolution. Ask clearly for restored account access, a corrected balance, reopened claim, fee review, credit correction, released deposit or written explanation.
5. Keep supporting records. Save statements, receipts, notices, merchant correspondence, screenshots and prior decisions.
6. Ask for specialized or supervisor review. Explain what remains unresolved and what prior representatives said.
7. Create a written record. Use secure messaging when available or the verified correspondence address for the specific product.
8. Keep meeting active deadlines. A complaint does not automatically pause a dispute deadline, collection, foreclosure, account closure or legal proceeding.

CFPB Complaint

The Consumer Financial Protection Bureau complaint portal accepts complaints about checking and savings accounts, credit cards, mortgages, money transfers and other consumer financial products. The CFPB generally forwards an eligible complaint to the company. Companies generally respond within 15 days; some provide a final response within 60 days.

OCC National Bank Complaint

Bank of America, National Association is a national bank. After trying to resolve the matter with the bank, eligible customers can review the Office of the Comptroller of the Currency complaint process. OCC Customer Assistance is available at 1-800-613-6743, Monday through Friday from 7:00 a.m. to 7:00 p.m. CT.

Bank of America Corporate Office

Bank of America Corporation’s principal executive offices are at Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255. The corporate and investor-relations phone number is 1-704-386-5681. This is not the primary route for account service, card disputes, fraud reports, payments or loan servicing.

For ownership, headquarters and corporate-contact context, visit the Bank of America Corporate Office Headquarters page.

Bank of America Reviews and Complaint Feedback

As of August 29, 2026, CustomerServiceNumbers.com has no published Bank of America reviews, so there is not enough first-party CSN review data to calculate meaningful customer sentiment. This page does not present third-party complaints as if they were submitted to CSN.

When leaving a review below, include:

• The general product or account type;
• The approximate dates involved;
• The support channel or department used;
• Whether the bank issued a case or claim number;
• How long it took to receive a response;
• Whether a written decision was provided; and
• Whether the issue was resolved.

Do not publish an account number, card number, Social Security number, password, PIN, verification code, home address, wire instructions, unredacted statement or employee personal information.

Readers who want a separate company-review format can also visit Bank of America reviews and complaints on ZeroStars. ZeroStars uses a rating scale from -5 to +5; it cannot access an account or decide a bank claim.

Bank of America Customer Service Frequently Asked Questions

What is the Bank of America customer-service number?

Call 1-800-432-1000 for checking, savings, debit-card and general banking support.

Is Bank of America customer service available 24 hours?

Automated banking support is available 24/7. Live checking and savings representatives are generally available Monday through Friday from 8:00 a.m. to 11:00 p.m. ET and Saturday and Sunday from 8:00 a.m. to 8:00 p.m. ET. Consumer credit-card service at 1-800-732-9194 is available 24/7.

What is the Bank of America credit-card customer-service number?

Call 1-800-732-9194 or use the number printed on the back of the card.

How do I report a lost Bank of America debit card?

Report it through the official app, Online Banking or by calling 1-800-432-1000 immediately.

How do I report a lost Bank of America credit card?

Call 1-800-732-9194 or report it through Online Banking. The number is available 24/7.

What number do I call for debit-card or ATM fraud?

Call 1-877-366-1121 for an unauthorized ATM or debit-card transaction. You can also use the signed-in dispute option when it is available.

How do I dispute a Bank of America transaction?

Sign in, select the account and posted transaction, then choose the dispute option when shown. For a recognized merchant dispute, contact the merchant first when appropriate and keep the response. Report a genuinely unauthorized transaction promptly through the fraud route.

How do I track a Bank of America dispute?

In the app, open Inbox and select Status Tracker. In Online Banking, open the Communications Inbox and review Status Tracker. Some claims and business-account cases may not appear.

What is the Bank of America ATM support number?

Call 1-844-401-8500. Use option 1 for an ATM machine problem or option 3 to submit an ATM deposit or withdrawal claim.

Who handles a Zelle payment sent through Bank of America?

Contact Bank of America for a Zelle payment sent through the Bank of America app or Online Banking. The bank handles account, enrollment, transaction and dispute questions involving its customers.

Does Zelle provide purchase protection?

Bank of America states that neither it nor Zelle offers purchase protection for authorized Zelle payments. Send money only to people and businesses you know and trust.

How do I report Bank of America wire-transfer fraud?

Call 1-877-337-8357 immediately and ask whether a recall, hold or fraud notification remains possible.

What is the Bank of America mortgage customer-service number?

Existing mortgage customers can call 1-800-669-6607.

What is the Bank of America auto-loan number?

Existing auto-loan customers can call 1-800-215-6195.

How do I report a fake Bank of America email or text?

Forward it to abuse@bankofamerica.com. Do not click its link or call a number supplied in the message.

How do I complain about Bank of America?

Contact the department responsible for the product, request a case number and supervisor review, state the requested resolution, and keep a written record. If the matter remains unresolved, review the CFPB or OCC complaint process.

Is Bank of America FDIC insured?

Bank of America, National Association is FDIC insured. Coverage depends on the applicable ownership category, limits and FDIC rules. Verify the institution through the FDIC BankFind record for Bank of America, N.A.

Where is Bank of America headquartered?

Bank of America Corporation’s principal executive offices are at 100 North Tryon Street, Charlotte, NC 28255. Its corporate phone number is 1-704-386-5681, but account-specific questions should go to the appropriate customer-service department.

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Related Bank and Payment Customer Service Pages

• Chase Customer Service
• Wells Fargo Customer Service
• Truist Customer Service
• Capital One Customer Service
• Zelle Customer Service and Payment Help

Official Bank of America and Consumer Resources

• Bank of America Checking and Savings Contacts
• Bank of America Credit-Card Contacts
• Bank of America Suspicious Activity and Fraud Contacts
• Bank of America Transaction Dispute Instructions
• Bank of America ATM Contacts
• Bank of America Mortgage and Home-Equity Contacts
• Bank of America Auto-Loan Contacts
• Consumer Financial Protection Bureau Complaint Portal
• Office of the Comptroller of the Currency Complaint Process

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers locate support information and share customer-service experiences since 2004. We independently organize official contact routes, common service problems, complaint procedures and practical preparation steps.

For Bank of America, that means distinguishing general banking from credit-card service, unauthorized debit transactions, ATM claims, Zelle payments, wire transfers, mortgages, auto loans, business banking, Merrill accounts and regulatory complaints. Contact information was checked against current Bank of America and government sources on the update date above.

Share Your Bank of America Customer Service Experience

Have you contacted Bank of America about a checking account, debit card, credit card, unauthorized transaction, Zelle transfer, ATM, online banking, account restriction, mortgage, auto loan or unresolved complaint?

Leave a rating and review below. Include the general issue, department used, whether a case number was provided, how long assistance took and whether the matter was resolved. Your experience may help another customer choose the correct support route.

Disclaimer: CustomerServiceNumbers.com is an independent consumer website and is not affiliated with Bank of America Corporation, Bank of America, N.A., Merrill, Zelle, any Bank of America financial center, payment network, loan servicer, the FDIC, CFPB or OCC. Bank of America does not provide customer support through this website.

This page provides general consumer information and is not legal, financial, banking, investment, tax, credit, fraud-recovery or regulatory advice. Current account agreements, card agreements, loan documents, statements, transaction records, investigation results, applicable law and official written decisions control each individual matter.