Quick answer: Reset your Bank of America password by going to the official login page, selecting Forgot ID/Passcode?, choosing Reset Passcode, entering your card or account number, verifying your identity, and creating a new passcode. Most Bank of America password resets complete in under five minutes when your contact information on file is current. If the reset fails, the cause is almost always outdated contact information, a verification mismatch, or an account lock from previous failed attempts — all fixable.
Official reset link: Recover your Bank of America Online ID or Passcode
How to reset your Bank of America password online
- Go to the official Bank of America login page — type bankofamerica.com directly rather than clicking a link from a text or email
- Click Forgot ID/Passcode? below the sign-in fields
- Select Reset Passcode
- Enter your Bank of America debit card, credit card, or account number
- Verify your identity — Bank of America will ask for your Social Security number or Tax ID and may send a one-time code to your registered phone or email
- Create a new passcode and confirm it
- Sign in immediately with your new passcode
Once the reset is complete, update your saved passcode in your browser or password manager to prevent the same issue from recurring.
How to reset your Bank of America password in the mobile app
- Open the Bank of America mobile app — confirm it is the official app from Bank of America
- Tap Sign In
- Select Forgot ID/Passcode?
- Choose Passcode
- Enter your card or account number when prompted
- Complete identity verification using the prompts
- Create and confirm your new passcode
If the Bank of America app is not loading or is crashing during the reset process, complete the reset on bankofamerica.com instead. See Bank of America app not working for the full troubleshooting guide.
How to recover your Bank of America Online ID
If you have forgotten your Online ID rather than your passcode, the process is similar but uses a different option in the recovery flow:
- Go to bankofamerica.com and click Forgot ID/Passcode?
- Select Retrieve Online ID
- Enter your card or account number and verify your identity
- Your Online ID will be displayed — note it down before proceeding
- If you also need to reset your passcode, start the process again and select Reset Passcode
What you need to complete the reset
Bank of America requires identity verification before allowing a password reset. Have the following ready:
- Your Bank of America debit card, credit card, or account number — used to identify which account you are resetting; having your physical card available is the fastest option
- Your Social Security number or Tax ID — required as part of the identity verification step
- Access to your registered phone number or email — Bank of America may send a one-time verification code; if this information is outdated, the reset will fail at this step
The most common reason Bank of America password resets fail is that the phone number or email address on file is outdated. If you no longer have access to your registered contact information, calling Bank of America directly is the only path to completing the reset.
Why Bank of America password resets fail — and how to fix each one
Verification code not arriving
Wait two to three minutes before requesting the code again — carrier networks sometimes delay SMS delivery. Switch to email delivery if Bank of America offers the option. Disable any VPN before attempting the reset — VPNs frequently trigger enhanced security that blocks automated code delivery to certain locations. If codes consistently fail to arrive, your phone number on file with Bank of America is likely outdated — call Bank of America directly to update it and complete the reset over the phone.
Identity verification failing even with correct information
Confirm that the card or account number you are entering matches the specific Bank of America account you are trying to reset. If you have multiple Bank of America accounts or cards, make sure the card number corresponds to the account linked to your Online ID. Also confirm your Social Security number is entered correctly — even a single digit error causes verification to fail. If you are entering everything correctly and verification still fails, try on a different device or switch from the app to desktop.
Account locked after failed login attempts
If your account was locked before reaching the reset flow, wait at least 30 minutes without attempting any further logins or resets. Then try the reset flow again from the beginning. If the lock persists, call the number on the back of your Bank of America debit card — Bank of America can unlock the account and complete the password reset over the phone after identity verification.
New passcode immediately rejected after reset
Bank of America enforces passcode requirements — your new passcode cannot be the same as a recently used one and must meet minimum complexity requirements. If a new passcode is rejected immediately after reset, try a completely different passcode that does not resemble any previous Bank of America passcodes. Also confirm you are not signing in with an autofilled old passcode after the reset completes.
Outdated contact information on file
If you no longer have access to the phone number or email registered on your Bank of America account, the automated reset flow cannot complete the verification step. Call Bank of America’s customer service line — the number on the back of your debit card — and request a phone-based identity verification. Bank of America can verify your identity using alternative information and update your contact details during the same call.
When to contact Bank of America directly
Contact Bank of America if the reset flow cannot complete verification because your contact information is outdated, your account remains locked after the reset attempt, you suspect someone else has changed your passcode, or you notice login activity you do not recognize. Always use the number on the back of your Bank of America debit card — not a number from a search result, text, or email. Bank of America impersonation scams frequently target people who are already locked out and looking for help online.
Bank of America customer service: 1-800-432-1000
Related Bank of America guides
- Bank of America login help — verification issues and access problems
- Bank of America app not working — crashes, loading issues, and login loops
- Why your Bank of America transfer is pending
- Bank of America mobile and ATM deposit limits
- Bank of America routing numbers by state
Frequently Asked Questions
How do I reset my Bank of America password?
Go to bankofamerica.com, click Forgot ID/Passcode?, select Reset Passcode, enter your card or account number, verify your identity with your SSN and a one-time code sent to your registered contact, and create a new passcode. The process takes under five minutes when your contact information on file is current.
Why is my Bank of America password reset not working?
The most common reasons are a verification code not arriving because your registered phone number or email is outdated, an identity verification failure because the card number entered does not match the account, or an account lock from previous failed login attempts. If your contact information is outdated, call the number on the back of your Bank of America debit card — they can complete the reset over the phone.
Can I reset my Bank of America password without my phone?
Yes, if your email address is registered on the account — Bank of America can send the verification code to email instead of SMS. If neither your phone nor email is accessible, you will need to call Bank of America directly for phone-based identity verification using your SSN and account information.
How long does a Bank of America password reset take?
The online reset process typically takes three to five minutes when your contact information is current and the verification code arrives promptly. If you need to call Bank of America because your contact information is outdated, expect standard hold times of five to twenty minutes depending on call volume.
What if I forgot both my Bank of America Online ID and passcode?
Use the Forgot ID/Passcode? flow and select Retrieve Online ID first. Once you have your Online ID, start the process again and select Reset Passcode. Both recovery flows use the same identity verification — your card or account number, your SSN, and a one-time verification code to your registered contact information.
What is the difference between a Bank of America Online ID and a passcode?
Your Online ID is the username you created when you first enrolled in Bank of America online banking — it is typically a custom username you chose rather than your account number. Your passcode is your password for signing in. Both are separate credentials and both can be recovered independently through the Forgot ID/Passcode? flow.
