Bank of America lets you set up automatic payments through your online account, mobile app, or by phone

You can arrange for Bank of America to pay your credit card bill automatically each month. The bank calls this AutoPay, and it pulls money directly from a checking or savings account you link to your card. You choose the payment amount — minimum payment, a fixed dollar amount, or your full statement balance — and the day of the month it should go out. Once it is set up, the payment happens without you having to log in or remember a due date.

Most people set this up through their Bank of America online account or the mobile app in under five minutes. If you do not have online access yet, you can also call the customer service number on the back of your card or visit a branch in person.

Key Takeaways

  • AutoPay can be set to pay your minimum balance, a fixed amount you choose, or your full statement balance each month.
  • You can set up AutoPay through your Bank of America online account, the mobile app, or by calling the number on your card.
  • The payment will pull from a checking or savings account at Bank of America or another bank that you authorize.
  • You can change or cancel AutoPay at any time through the same online account or app where you set it up.

Set Up AutoPay Through Your Online Account

Log into your Bank of America online account at bankofamerica.com using your username and password. Click on the credit card account you want to set up AutoPay for. Look for a link or button labeled "AutoPay," "Automatic Payments," or "Manage Payments" — the exact wording varies slightly depending on your account type.

Select the option to turn on AutoPay. You will be asked to choose a payment amount: minimum payment due, a specific dollar amount you enter, or the full statement balance. Next, pick the day of the month you want the payment to leave your account — most people choose a date shortly after their statement closes, which you can see in your account. Then select which bank account the money should come from. If you have multiple accounts linked to your Bank of America profile, you will see them listed. Confirm your choices and submit. The system will show you a confirmation number.

Your first AutoPay payment will go out on the date you selected in the following month. You will receive an email confirmation before each payment is processed.

Set Up AutoPay Through the Mobile App

Open the Bank of America mobile app and sign in. Tap on your credit card account. Scroll down or look for a menu option that says "Payments" or "Pay My Bill." Tap "Set Up AutoPay" or "Automatic Payments."

The app will walk you through the same choices as the online account: payment amount, payment date, and which account to pull the money from. Review the details and confirm. You will see a confirmation screen with a reference number. The app will also send you a confirmation email.

Set Up AutoPay by Phone

Call the customer service number on the back of your credit card. A representative will verify your identity by asking for your Social Security number, date of birth, or other account details. Tell them you want to set up AutoPay.

The representative will ask you the same questions the online system does: how much you want to pay each month, what day of the month, and which account to pull the money from. If the account is at a different bank, you will need to provide the routing number and account number. The representative will confirm the details and give you a confirmation number. Ask them to email or mail you a written confirmation if you want a record.

What Happens When Your AutoPay Payment Processes

On the date you selected, Bank of America will pull the payment amount from your linked account and explore it to your credit card. The money usually leaves your bank account within one business day. You will see the payment show up in your credit card account within two to three business days, though it may appear as pending before it fully posts.

Bank of America sends you an email notification before each payment is processed and another one after it goes through. Check these emails to make sure the payment amount is what you expected. If you notice an error — for example, if the wrong amount was charged — contact Bank of America right away. You have the right to dispute the charge and have the money returned while the dispute is investigated.

Change or Cancel AutoPay at Any Time

Log back into your online account or mobile app and go to the AutoPay or Payments section for that credit card. You will see your current AutoPay setup. Click "Edit" or "Manage" to change the payment amount or date. Click "Cancel" or "Turn Off" to stop AutoPay entirely.

If you cancel AutoPay, you will need to make manual payments after that. You can still pay through your online account, the app, or by phone — just without the automatic deduction. If you want to restart AutoPay later, you can set it up again using the same steps.

Things to Know Before You Turn On AutoPay

Make sure the account you are pulling payments from has enough money each month. If the payment date arrives and your account does not have sufficient funds, the payment will be declined. Bank of America may charge you a fee for the failed payment, and your credit card payment will be late, which can hurt your credit score.

If you have multiple Bank of America credit cards, you need to set up AutoPay separately for each one. Setting up AutoPay on one card does not automatically set it up on another. If you close your credit card account, AutoPay will stop automatically, but you should verify this in your account to be sure.

AutoPay works with Bank of America accounts and accounts at other banks. If you use an account at another bank, make sure the routing and account numbers are correct when you set it up, or the payment will fail.

Frequently Asked Questions

Can I set up AutoPay to pay different amounts each month?

No. AutoPay is set to one fixed option: minimum payment, a specific dollar amount you choose, or your full statement balance. If you want to pay a different amount some months, you will need to make a manual payment that month or change your AutoPay settings. You can edit the amount or payment date whenever you log into your account.

What if I want to pay more than my AutoPay amount one month?

You can make an additional payment through your online account, app, or by phone without affecting your AutoPay. The AutoPay payment will still go out on its scheduled date, and your extra payment will be applied on top of it. This is useful if you want to pay down your balance faster.

Does AutoPay help my credit score?

AutoPay helps your credit score by making sure your payment arrives on time every month. Payment history is the largest factor in your credit score, so on-time payments matter. AutoPay removes the risk of forgetting a due date, but only if your linked account has enough money when the payment is scheduled.

Can I set AutoPay to pay from a credit card instead of a bank account?

No. Bank of America only allows AutoPay to pull from a checking or savings account — either at Bank of America or at another bank. You cannot use another credit card as the source for your payment.

What if my payment fails because my account does not have enough money?

Bank of America will decline the payment and may charge you a fee. Your credit card payment will be late. You should make a manual payment as soon as possible to avoid further late fees and damage to your credit. Contact Bank of America to ask if they can waive the failed-payment fee, though they are not required to do so.