skip to main content
  • Hide Bill Pay defined

    Bill Pay is a service of Online Banking that allows you to pay your bills online. You can pay virtually anyone at any time from anywhere in the United States using your Bank of America checking or money market account. You may also pay a limited group of merchants with your Home Equity Line of CreditFootnote1 or a checking or money market account outside Bank of America. Making online payments is one of the most efficient and economical features of Online Banking. It saves you the time you would otherwise spend writing checks, paying at billing company websites and standing in line at the post office. In addition, you can choose to receive eBills (electronic versions of your paper bills) from your Bank of America credit card and a large number of companies like AT&T Long Distance, Sears and Texaco.

  • Show eBills defined

    Electronic versions of your paper bills are called eBills and you can receive them through Online Banking. An eBill comes directly from the biller to your Online Banking service. In addition, a notification that you have received an eBill in your Online Banking account can be sent automatically to an email address that you choose. You can view balances, transactions and other statement information in an eBill. (Each biller offers unique features associated with their eBill.) You can pay it and print it—all online.

  • Show Pay To and Pay From accounts defined

    You can pay almost any business or individual that you currently pay by check—your phone bill, loan payments, insurance—even your dentist or daycare center. Please note you cannot pay court-ordered payments or state and federal taxes online at this time.

  • Show Accounts you can use as Pay To and Pay From accounts

    Not all Pay To accounts will accept bill payments from all Pay From accounts. For example, you can’t use your Bank of America Home Equity Line of Credit to pay your Bank of America mortgage.

  • Show No limit to the number of bills you pay using Online Banking

    There is no limit to the number of bills you can pay.

  • Show How payments are made to Pay To accounts using Bill Pay

    Pay To accounts are businesses or individuals to whom you will be making online payments. Payments you make through Bill Pay are delivered in one of three ways:

    • By electronic transmission. Pay To accounts that are paid in this way receive your payment through secure electronic transmission.
    • By corporate check. Pay To accounts that are paid in this way receive a check that is drawn on our account and mailed to the Pay To account address.
    • By personal check. Pay To accounts that are paid in this way receive a check that is drawn on your account and mailed to the Pay To account address.

  • Show How to start using Bill Pay

    To start using Bill Pay, sign on to Online Banking and select the Bill Pay Center & eBills tab. You’ll need copies of your bills to begin adding Pay To accounts.

  • Show How long it takes for an online payment to reach your Pay To account

    We recommend scheduling your payments to be processed at least five business days before the actual payment due date. Scheduling payments sufficiently in advance of the due date on the bill allows enough time for the Pay To account to receive the payment and credit it to your account.

  • Show No fee for Bill Pay

    For all Bank of America personal accounts, there is no fee to use Bill Pay.

  • Show How to pay eBills

    You can pay one or more eBills from several places within Online Banking. Unpaid eBills appear in the Incoming eBills area on the Bill Pay Center page and eBills overview page. You can also click on the eBills page directly to view a list of your current eBills. To pay an eBill, you simply choose the Pay From account from which you want the bill paid, enter an amount and enter the date you want the payment sent. Our handy calendar tool recommends how many days before the payment is due that you should send it.

  • Show Set up alerts or notifications about an online bill payment or eBill delivery

    Within Online Banking you can set up a variety of alerts that serve as notifications or reminders of payment activities related to a particular Pay To account or eBill. The alert notifications are sent via email. To set up these alerts, go to the Bill Pay Center page within the Bill Pay tab, select an individual Pay To account and follow the instructions for alerts. To set up these alerts for an eBill, go to the eBills Bill Pay Center and select the eBills tab, select an individual eBill and follow the instructions for alerts.