If you’ve ever tried to set up a Bank of America credit card for automatic payments, you know that setting up auto pay on a BofA credit card is a lengthy, confusing process. And the instructions available on Bank of America’s website are little help.
Here’s our step-by-step guide to setting up auto-pay on Bank of America credit cards.
Summary of enrolling in Bank of America credit card autopay
Setting up automatic payments on Bank of America credit cards is a multi-step process. Here’s what you need to do:
- Add an external payment account to your online profile if paying from another bank.
- Add your credit card to the Bank of America Payment Center.
- Enroll in eBills for your credit card.
- Set up your Bank of America credit card for automatic payments.
Next, we’ll walk you through the complete process, step by step.
Setting up Bank of America credit card autopay on the web
Here’s how to set up automatic payments on your Bank of America credit card, step by step.
Step 1: Access the Payment Center.
To set up Bank of America automatic payments on your credit card, the first thing you’ll need to do is find the payment center on BofA’s website. Once you are logged into your account, you can find the Payment Center from the navigation menu under the “Pay & Transfer” tab and the “Bill Pay” section. Select “Make a payment” to go to the Payment Center.
Step 2: Add your credit card account to the Payment Center.
Within the Payment Center, you might see a list of accounts that have already been set up for Bank of America bill pay. If this is the first time you’ve set up bill payments for your credit card, you won’t see your credit card in the list.
You’ll need to add your account to the Payment Center. Click on the button labeled “Add a Company or Person” in the panel at the top of the page.
This will bring up a screen titled “Add a company or person.” Select the “Company” tab. In the search box, type “Bank of America” and click the magnifying glass icon.
Once you’ve clicked the magnifying glass, you’ll see several tiles in the search results box. Click on the “Bank of America” tile. (Do not click on the “Bank of America Home Loans” tile.) This will bring up a dropdown with various types of Bank of America accounts. Select “Bank of America Credit Card” from the dropdown.
You’ll then be prompted top enter your credit card account number. Do this and click on “Add” to add the account to Bank of America Bill Pay
Once you’ve added your credit card account to the Bank of America Payment Center, you’ll see the account on the Payment Center page. If you have other accounts, this account will be one on a list showing all of the accounts that are set up for payments.
Step 3: Request eBills on your credit card account.
To set up autopay on your Bank of America credit card, you’ll first need to request eBills. From the panel showing your credit card account in the Payment Center, click on the “Request eBills” link. Once you click “Request eBills” you’ll see the following screen.
If you have multiple Bank of America credit card accounts, you may see several accounts under “Available Bills.” Select the account that you want to add and enter the last 4 digits of your Social Security Number of Taxpayer Identification Number. Click on “Add” at the bottom of the screen to add the biller to eBills. If you want to set up multiple accounts, you can follow the same process for each account.
Once you’ve either added or skipped all of your accounts, you’ll need to check the box that says you agree to share your email address and click “Submit.” (The submit button will be enabled once you’ve added your accounts.) Your eBills won’t be enabled until after you do this step.
After clicking “Submit” you’ll see the following confirmation:
When you go back to the Payment Center, you’ll see your account in the Payment Center with a green “ON” indicator by eBills.
Step 5: Set up Autopay on your credit card account
Now that you’ve added your account to the Payment Center and enrolled in eBills, you can finally start the process of setting up automatic payments on your Bank of America credit card.
Within the Payment Center, click on the “AutoPay” link that you’ll see under the card panel. The panel will expand and show some information about automatic payments. Click on “Set Up AutoPay” at the bottom of this window. If you do not see the AutoPay link, you most likely have not yet activated eBills. See the instructions for activating eBills above.
After clicking “Set Up AutoPay” you’ll be prompted to set up your AutoPay for your credit card. Select the account you want to pay the bill from, the date that you want to make the payment and whether to pay the statement balance or the minimum payment. Optionally, you can set a payment amount limit or request that you receive emails when your payment is scheduled or has been sent.
Click “Start Sending Payments” to complete your credit card autopay enrollment.
After you click “Start Sending Payments” you’ll receive a confirmation. Congratulations. Your automatic payments on your credit card is set up.
When you return to the Payment Center, you’ll also see a green “ON” indication in your account panel in the Bank of America Payment Center.
Bottom line
Setting up automatic payments on a Bank of America credit card is a complicated process that requires you to add the account to Bank of America bill pay, enroll in eBills, and set up your payments. Our guide walks you through this entire process step-by-step.
