How to Manage your Bank of America Credit Card Login Account Online

by anisur September 07, 2023

If you are looking forward to activating any of your cards from Bank of America, then you are now in the right article. They give you Credit Cards, Debit Cards and also the EDD card. If you are looking forward to the activation of any of the above cards, then you can go through this article for help.

Table of Contents

A brief about Bank of America

An American multinational investment bank and financial holding company, originally known as Bank of America Corporation. The bank was acquired by NationsBank of Charlotte in the year 1998 and was founded in San Francisco, with its headquarters in Charlotte, North Carolina. Currently, the bank is holding its position as the 2^nd largest banking institution in the United States and is in the eighth position in the world.

Features of the Credit Cards by Bank of America

They have a regular APR of 15.99%-22.77% which may vary.
You need to give annual maintenance of $95 or many cards need not have any annual maintenance.
When you spend $1 on travel and dining purchases, you receive 2 points and 1.5 points on spending $1 on other purchases.
For the balance transfer, you need to give a fee of $10 or 3% of the total amount whichever will be greater.
For any foreign transaction, you need not have to give any fee.

There are many choices for credit cards you can have that are designed for your unique choices. If you looking for cash back on spending money at a higher rate for a selected category of purchases, then you can opt for a Bank of America Unlimited Cash Rewards Credit Card. The ones looking for rewards can go with the Bank of America Customized Cash Rewards Credit Card.

If you are a traveler and looking up to get an advantage while traveling at your favorite destinations, then this Bank of America Premium Rewards Card is for you. And there are many more. You can choose from a wide variety of cards that can work according to your personality.

Bank of America Credit Card Login Guide

The first thing required to be done is to go to the activation page of Bank of America using the web browser or you may also use the link bankofamerica.com/activate
Then on the page, there will be ‘Already have an Online ID’ and ‘New to online and Mobile Banking. If you have your online account, then click on the former.
On the next page, you have to give your Online ID and Passcode, and then click on the Sign-in to Online Banking button.

Then you have to follow the prompts as given and your card will be activated.
Through Phone – you have to call the Bank of America at the number 800-276-9939, and then you need to enter your full account number, your personal information like SSN, Zip Code, or the phone number which is associated with your application.

Applying for the credit card

If you are thinking of applying for a credit card, then you must have a good score for it according to their preference. The ones who are still looking forward to increasing their scores should take their time before applying. You can also check whether you are prequalified and that would not take a hit on your credit score as does the application procedure.

Modes of payment for the Bank of America Credit Card

Phone – you have to call on the number 1-800-236-6497 and when you are prompted, you need to enter all the card details.
Online – first go to the Bank of America webpage, log in to your account, and then click on Bill Pay.
Mobile app – first is downloading your app, sign in by giving the credentials and then select your card and tap on Make a Payment.
Mail – you can send a check or money order to the given address

Consumer card payments

PO Box 15019

Wilmington, DE 19850-5019.

When you are giving the check, you need to write the credit card number on it, and make sure you are sending it before the due date since it takes time to arrive.

Branch – you can also make payments of your credit card at the Bank of America branch during normal business hours.

As we have learned about credit cards, let us see the features and activation procedure of the debit card.

Benefits of the Debit Card by Bank of America

The card can be used anywhere you want.
You can avoid paying monthly bills, interest, and recurring fees.
You can add the card to the digital wallet to make it much easier to use.
Your card will be under 24/7 monitoring and if any unusual matter is detected, it will be blocked.
If you have the app, and if the card gets lost or stolen, then you would have the accessibility to unlock your card,

Activation of Debit Card by Bank of America using various modes

Mobile app – first download the app and then sign in and then go to the menu to activate the debit card.
ATM – when the card is used in the ATM of Bank of America and you give the PIN, it automatically gets activated, it can also be activated if you make any purchase giving your PIN.
Phone – you can contact the Financial Center and schedule an appointment or you may call at the number 800-432-1000 on Monday to Friday at 8 am to 11 pm and on Saturday and Sunday from 8 am to 8 pm, all times ET. For those who reside outside the U.S., you can call on the number 1-315-724-4022.
Online – you need to go to the website and log in to the account and you can get your debit card activated.

Features of the EDD card

This card can be used to make payments at the store or when doing online purchases.
The card is accepted everywhere.
You will get notified when the payment to your card is made.
You need not have to be given any extra costs for transferring your funds to the account of your choice.

Also Read

GM Financial Login Guide

Surge Mastercard Login Account

Activation of EDD Card

Online mode
First visit the activation website of the Bank of America debit card webpage using the web browser of your mobile or computer or you may use the link bankofamerica.com/activate to directly get to the page.
Then you need to click on Activate my Card.
Now the new page opens and you have to give your Card Number and then click on the Continue
Then you need to follow the prompts and give in the details as asked, and your card is activated and ready to use.
Offline mode – you need to make a call in the number 1-866-692-9374 / 1-866-656-5913 (USA) and set your PIN. After the PIN is set on your number, you can use the EDD debit card. After your call is connected to the representative, you need to give your –
EDD Card Number
Social Security Number
Date of Birth

If you do not belong in the United States, then the numbers given above won’t work for you. You need to call on the number 1-423-262-1650 and then activate your card.

Some Frequently Asked Questions (FAQs)

Q. Do I need to pay any fee for the requisition made for a replacement of a debit card?

Ans. When your debit card is replaced by the Bank of America when expired, then there is no fee charged, but you need to pay fees when you are requesting the replacement of your debit card. When you apply for rush delivery, then other charges may also apply.

Q. Will my card be charged for using an ATM?

Ans. When you are using the ATM of the Bank of America, you are charged nil. But when you go to the ATM of another financial institution, then you are charged a fee.

Q. What can happen if I go over my cash credit line?

Ans. If this happens, then you won’t be able to make any Bank Cash Advance transactions until the payment of your balance below the cash credit limit is done. Exceeding the cash credit line won’t increase in the APR or it is not like you need to pay the fees for it, but the transaction will be declined.

Q. How can I learn of the amount of my cash credit line?

Ans. This can be viewed on your statement through online banking on your credit card Account Details page, or you may call the customer service.

Conclusions:

This article provides all the activation procedures of the cards provided by the Bank of America. If you face any problem while activation, you can read the FAQs given for different cards in their website. If you are not sure of your problem and cannot sort out correctly then you may contact them on their contact page or you can directly go to the page using the link and there you are supposed to find a number of categories listed and accordingly the help is provided. For the credit card service, if gets stolen or misplaced you can contact on the number 800-732-9194, and if you want to make inquiries on the credit card billings, then you may call on the number 866-266-0212. On this page , you will find different mailing options for your credit card inquiries. If you facing problems with the EDD card, you can then always contact Bank of America on the number 1-866-692-9374 (United States) and for the outsiders, you need to call on the number 1-423-262-1650, where you will get 24 hours customer service for 7 days a week.