Bank of America Ends Bill Pay for Personal Credit Cards—Switch to Pay & Transfer By August 23 – Forbes Advisor

Bank of America is updating how it processes personal credit card payments. Starting August 23, 2025, it will deactivate the Bill Pay service for personal Bank of America credit card payments.

Any scheduled or recurring payments set through Bill Pay to your own or someone else’s personal Bank of America credit card, with processing dates on or after August 23, will be automatically canceled.

What’s Changing and What Stays the Same

Starting August 23, 2025, Bill Pay will no longer support personal Bank of America credit card payments. Any one-time or recurring autopayments set up through Bill Pay for these cards will be canceled if scheduled on or after that date.

However, Bill Pay will still work for non-Bank of America payments—like those to Verizon or another credit card issuer—so you won’t need to make changes there.

Additionally, this transition will discontinue the current eBill reminders you have set up through Bill Pay. To get alerts, reenroll by logging in at bankofamerica.com/alerts.

Customers must now use the bank’s redesigned Pay & Transfer hub within Online or Mobile Banking for all future credit card payments instead.

What the Pay & Transfer System Brings

Bank of America says the update aims to simplify and centralize credit card payments under one streamlined interface.

The revamped Pay & Transfer section will let customers:

• view all payment activity in one place.
• schedule recurring payments that align with statement due dates.
• use external checking accounts from other banks for payments.

The goal is to provide greater clarity and control for customers rather than requiring them to manage separate interfaces for bill payments and transfers.

What Should You Do Now?

Any scheduled payments to your Bank of America credit card (one‑time or recurring) via Bill Pay set for August 23 or later must be canceled before that date. To avoid missed payments, you’ll need to set them up again using the Pay & Transfer system within Online or Mobile Banking.

Here’s how to complete the process:

1. Log in to Online or Mobile Banking.
2. Navigate to the Bill Pay Payment Center.
3. Locate each scheduled payment and click Cancel.
4. Navigate to Pay & Transfer, then Transfer.
5. Set up your payments again using a Bank of America account or an external account.

If you prefer automatic payments, recreate the autopay schedule via the Pay & Transfer system, with options that better align with your statement schedule. Be sure to reenroll in eBill or payment reminders, since existing alert subscriptions linked to the old system will no longer apply.

Bottom Line

Remember that August 23, 2025, is the firm deadline for this change, and any payments still routed through your current Bill Pay setup after that date may fail.

To avoid a hiccup, cancel your existing Bill Pay arrangements before the cutoff and switch to Bank of America’s new Pay & Transfer system, now the exclusive way to handle personal credit card payments.

Once you’ve made the switch, you’ll also need to reenroll in account alerts and payment reminders so you never miss a due date.