Setting up AutoPay for Bank of America credit cards is one of the easiest ways to make sure your payments are made on time every month. Once enabled, your payments are automatically withdrawn from your linked bank account based on the schedule and payment amount you choose.
In this guide, you’ll learn how to set up AutoPay for Bank of America, choose the right payment option, and avoid unnecessary interest charges.
Access Your Credit Card Payment Settings
To begin setting up AutoPay for Bank of America, sign in to your Bank of America account and go to your main account dashboard.
Scroll down until you reach the Credit Cards section and select the credit card you want to manage. If you have multiple cards, make sure you choose the correct one.
Once you’re viewing the card details, tap the blue Pay button located beneath your current balance.
Enable AutoPay for Bank of America
On the payment screen, the selected credit card will already appear as the payment destination. Next, choose the checking or savings account that your payments will come from.
To switch from a one-time payment to recurring payments, turn on the Make Payments Recurring toggle. As soon as you enable it, additional options become available, including payment amount and payment frequency.
This is the key step in activating AutoPay for Bank of America.
Choose the Right Payment Amount
Before continuing, you’ll need to decide how much should be paid automatically each month.
Bank of America offers two primary options:
- Total minimum payment due – This keeps your account in good standing and helps you avoid late fees, but any remaining balance continues to accrue interest.
- Statement balance – Pays the full balance from your most recent billing cycle, allowing you to avoid interest as long as you pay it in full each month.
For most cardholders, selecting the statement balance is the better option because it helps you take full advantage of the grace period and keeps your credit card interest-free when paid in full.
Before selecting this option, make sure your checking account consistently has enough funds available to cover the payment.
Select Your Payment Schedule
After choosing the payment amount, tap Save and return to the payment screen.
Next, select the Frequency option to decide when your automatic payment should be made.
You can choose to pay:
- On the due date
- Before the due date
If you select Before due date, you’ll be able to choose how many days in advance the payment should be processed. Scheduling the payment a couple of days early can provide a small buffer in case of processing delays, although paying on the actual due date is also perfectly acceptable.
Review and Activate Automatic Payments
The final step is choosing when your recurring payments should begin. You can usually start with your current bill or wait until the next billing cycle.
After making your selection, review all the payment details carefully, including:
- The credit card receiving the payment
- The linked bank account
- The payment amount
- The payment schedule
- The start date
Once you’ve confirmed everything is correct, check the box agreeing to the terms and conditions, then tap Schedule.
Your AutoPay for Bank of America is now active, and future payments will be processed automatically according to the preferences you’ve selected.
Final Thoughts
Setting up AutoPay for Bank of America is a simple way to avoid missed payments and reduce the stress of managing monthly credit card bills. Choosing to pay your full statement balance each month can also help you avoid interest while continuing to earn your credit card rewards.
Once your automatic payments are scheduled, it’s still a good idea to review your monthly statements regularly and ensure your linked bank account has sufficient funds before each payment is processed.
