How to Setup Auto Pay for Bank of America Credit Cards

Bank of America (BOA) customers digitally interacted with their finances 23 billion times in 2023. However, this figure might not be a good thing if most of these are repeated interactions due to a bad user experience.

In fact, the Consumer Financial Protection Bureau (CFPB) recorded a total of 1,423,800 complaints against BOA last year. Arguably one of the most common issues with BOA is the difficulty in setting up auto-pay for their credit cards.

This updated 2024 guide shows you how to enroll in eBills, which is a requirement for their auto-pay service. We’ll also guide you in adding your BOA credit card as a payee to your account. And finally, we’ll show you how to pay your BOA credit card bill using another bank account.

How to Setup Auto-Pay for BOA Credit Cards

The simplest way to set up auto-pay for your Bank of America credit card is to call their credit card accounts hotline at 800 421 2110 and ask them to set it up for you.

If you want to set up auto-pay on your own, then you’ll first need to:

1. Enroll in eBills
2. Add your BOA Credit Card as a Payee
3. Add an Account from Other Banks (if you’re not paying with a BOA checking account)

How to Enroll in eBills

If you’re not enrolled in eBills, then the automatic payments feature will not be available to your account. To enroll in eBills, you’ll need to:

1. Log in to your account on the website or the mobile app
2. Select ‘Bill Pay’
3. Look for ‘eBills’
4. Select ‘Request eBills’ if eBills is not in the tab

How to Add your BOA Credit Card as a Payee

If the ‘Request eBills’ option is not showing up under the Bill Pay tab, then you’ll need to add your BOA Credit Card as a payee to your account:

1. Log in to your account on the website or the mobile app
2. Select ‘Bill Pay’
3. Select ‘Payment Center’
4. Select ‘Add Company or Person’
5. Follow the prompts to add your BOA Credit Card

How to Add a Checking Account from Other Banks

If you plan to pay your credit card bill with a Bank of America checking account, then you can skip this section. If not, follow these steps:

1. Log in to the Mobile App
2. Select ‘Bill Pay’
3. Select ‘Manage’
4. Select ‘Add/Edit Accounts from Other Banks’
5. Select ‘Add Account’ and follow the prompts

You can also add accounts from other banks using the website:

1. Log in to the Website
2. Select ‘Manage Accounts’
3. Select ‘Other Pay From Accounts’
4. Select ‘Add a Pay From account you own at another institution’
5. Follow the rest of the prompts

Finally Setting Up Auto-Pay for BOA Credit Card

Now that you’ve jumped through the hoops of eBill and payee enrollment as well as adding an external checking account (go to the above sections if you haven’t), you can now set up auto-pay for your BOA credit card.

How to Setup Auto-Pay on Mobile

1. Log in to the Mobile App
2. Select ‘Bill Pay’
3. Select the ‘Credit Card Account’ you’d like to set automatic payments on
4. Select ‘Add AutoPay’
5. Select ‘Based on eBill’s amount and due date’
6. Select your ‘Pay From Account,’ ‘Amount,’ and ‘Deliver by Date’
7. Select ‘Save’ and wait for the confirmation

How to Setup Auto-Pay on the Website

1. Log in to your account on BOA’s website: https://www.bankofamerica.com/
2. Select ‘Bill Pay’
3. Select the ‘Credit Card Account’ you’d like to set automatic payments on
4. Select ‘AutoPay’
5. Select ‘Set Up AutoPay’
6. Select ‘Set Up Based on the eBill’
7. Select your ‘Pay From Account,’ ‘Amount,’ and ‘Deliver by Date’
8. Select ‘Start Sending Payments’ and wait for the confirmation

Related article: Bank of America Wire Transfer Fee Guide

Summary

If you’ve made it this far and decided that there are way too many steps involved with setting up automatic payments, here’s Bank of America’s credit card accounts hotline again: 800 421 2110. Call them and give them the pleasure of setting all of this up instead.

If you still want to set it up yourself then you’ll need to remember that you need to be enrolled in eBills and have your credit card set as a payee before the automatic payments option becomes accessible.

If you’re going to auto-pay your credit card bills using an account that’s not from BOA, then you’ll have to add that external bank account to your BOA account before you can set up auto-pay.