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Debit Card FAQs
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Bank of America offers several convenient ways to order a debit card:
On our website
Log in to Online Banking to order a new or replacement card
Not an Online Banking customer? Enroll in Online Banking today
On your mobile device
If you're on a mobile device, Log in to the mobile app to order a new or replacement card.
Contact us
Schedule an appointment at a financial center or call 800.432.1000 (Mon-Fri 8 a.m.-11 p.m. or Sat-Sun 8 a.m.-8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply). You will receive your debit card in 4-6 business days.
Bank of America offers several convenient ways to replace your debit card:
On our website
Log in to Online Banking to replace your debit card
Not an Online Banking customer? Enroll in Online Banking today
On your mobile device
If you're on a mobile device, Log in to the mobile app to replace your debit card
Show me how to replace my debit card on the mobile app
Contact us
Schedule an appointment at a financial center or call 800.432.1000 (Mon-Fri 8 a.m.-11 p.m. or Sat-Sun 8 a.m.-8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
Bank of America offers several convenient ways to activate a debit card:
On our website
Log in to Online Banking to activate your card
Not an Online Banking customer? Enroll in Online Banking today
On your mobile device
If you're on a mobile device, Log in to the mobile app to activate your card
Use your card
Using your new debit card with your current PIN to make a purchase or at any Bank of America ATM will automatically activate your card.
Misplaced your ATM/debit card? It's quick and easy to lock or unlock it using Online Banking or the mobile app. Log in to do it now. You can type your question in the search bar or follow a few simple steps.
Want us to walk you through it?
Show me how to lock a card in Online Banking
Show me how to lock a card on the mobile app
Not enrolled in Online Banking?
Enroll in Online Banking
Get the app
New or replacement debit cards can take 4-6 business days to arrive by mail. If you need yours sooner, download our mobile app to request a digital version of the card to use while you're waiting. You can add the temporary version of your card to a digital wallet and use it at Bank of America cardless ATMs, stores and more. Not all customers or accounts are eligible for a digital version.
From the mobile app, simply go to Manage Debit Card and follow the menu instructions to replace your card and/or request a digital equivalent.
Schedule an appointment at a financial center or call 800.432.1000 (Mon-Fri 8 a.m.-11 p.m. or Sat-Sun 8 a.m.-8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
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Bank of America offers you a wide variety of alert options that deliver important information such as your available balance, when a direct deposit is posted, when a debit card payment over a certain dollar amount occurs and much more. There are 2 easy ways you can set up alerts:
On our website
Log in to Online Banking to manage alerts
Not an Online Banking customer? Enroll in Online Banking today
On your mobile device
- Log in to the Mobile Banking app
- Tap Alerts then Settings
- Select your account and choose your alerts
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There is no fee to replace a debit card. However, fee's may apply when you request a Rush delivery of Debit or ATM Card. Please refer to the Personal Schedule of Fees for complete details.
There are no fees for Bank of America customers using one of thousands of Bank of America ATMs in the United States to transfer funds, make deposits, inquire about a balance and withdraw cash. Find a Bank of America ATM
Fees may be assessed when Bank of America customers make withdrawals and transfers from non-Bank of America ATMs. A fee may also be charged by the ATM operator, or any network used for the transactions.
Other account fees may apply to the transaction. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details.
Bank of America doesn't charge transaction fees when you use your debit card to make purchases, but some merchants may impose a transaction fee or surcharge.
An international transaction fee may be charged for debit card purchases and ATM cash withdrawals. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details.
There is no additional cost to have or to use your new card with smart chip technology.
Yes, there may be a fee associated with the transaction. Please refer to the Personal Schedule of Fees for complete details.
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Although not required, a quick call to the merchant can often answer your questions and easily resolve your dispute. The merchant's phone number may be located with an internet search, on your receipt or monthly statement, or within the transaction description in your Online Banking account. To dispute a transaction:
On our website
Log in to Online Banking to dispute an ATM or debit transaction
Not an Online Banking customer? Enroll in Online Banking today
Contact us
You may also dispute a transaction by calling us at 877.366.1121.
If your card is lost or stolen, contact us immediately by calling 800.432.1000 (Mon-Fri 8 a.m.-11 p.m. or Sat-Sun 8 a.m.-8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
You can also report a lost or stolen card on our website or from your mobile device.
On our website
Log in to Online Banking to notify us that your card has been lost or stolen
Not an Online Banking customer? Enroll in Online Banking today
On your mobile device
Log in to the mobile app to notify us that your card has been lost or stolen
Misplaced your ATM/debit card? It's quick and easy to lock or unlock it using Online Banking or the mobile app. Log in to do it now. You can type your question in the search bar, or follow a few simple steps.
Want us to walk you through it?
Show me how to lock a card in Online Banking
Show me how to lock a card on the mobile app
Not enrolled in Online Banking?
Enroll in Online Banking
Get the app
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To change your PIN: Visit a Bank of America ATM and select More Options then Change PIN. You can also change your PIN by scheduling an appointment or visiting a financial center.
If you don't know your PIN: You will need to request a new PIN by scheduling an appointment or calling 800.432.1000 (Mon-Fri 8 a.m.-11 p.m. or Sat-Sun 8 a.m.-8 p.m., excluding holidays; all times ET) and we will mail you a reminder.
If your PIN isn't working and you're certain you're using the correct PIN and entering it properly, contact us immediately by calling 800.432.1000 (Mon-Fri 8 a.m. -11 p.m. or Sat-Sun 8 a.m.-8 p.m., excluding holidays; all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
No. Whether you sign or use your PIN, there is no difference in how much you are charged.
If you select debit, you will use your PIN and enter it in on the merchant keypad. If you select credit, you may be required to sign a receipt to authorize your purchase. A signature may not be required for certain transactions such as internet, mail order and pay-at-the-pump gas purchases. Your options may differ depending on the merchant.
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A digital card for debit (aka Virtual card) is a digital version of your physical debit/credit card you can use right away. It provides greater flexibility to manage your plastic and digital card together or independently. It also provides industry leading fraud protection with dynamic security code that changes every time it's viewed (except reoccurring transactions). Digital cards can be found in our Mobile banking application.
You can request/Opt into receive a Digital Card for Debit in our Mobile Banking app, under Manage Card settings. Note: You must already have a physical debit card to get a digital card.
No, the PIN for your physical Card is also the same PIN for your Virtual Cards, including the Digital Card for Debit.
Yes. The expiration date for your digital card will be displayed when you view you it and may be a different date than your physical card expiration date. However, since it’s digital it automatically renews when it expires, there’s nothing you need to do.
Yes, you can add either your physical debit card or your digital card to your digital wallet. Once a card is added to your wallet, you’re able to start shopping immediately.
You may lock, unlock, or delete your Digital card independently from your physical card at any time in the mobile app, under “Digital Wallets and Virtual Cards” page by selecting your Digital card.
To help protect your account against Fraud, each time you view your digital card, you will see a different, dynamically generated security code. The digital card security code will change each time it’s viewed and only is valid for a single purchase. It will also expire if not used in a timely manner (24 to 72 hours). Don’t share it with anyone other than merchant with whom you are transacting.
Yes, but it must be loaded to your digital wallet first, then you can use it at the ATM.
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A digital wallet allows you to store debit/credit card information on your smartphone or smartwatch in order to complete transactions online, contactless (tap-to-pay) or for in person transactions (e.g., Apple Pay, Google Pay, Samsung Pay). The card(s) stored in the Digital wallet are called virtual/digital cards that are unique and different from the physical card.adatext
Show me how to add my card to a digital wallet
Virtual Card means a digital substitution for your Card that includes a unique virtual card number.
A digital card for debit is a virtual card accessible on your mobile device in mobile banking that includes a unique virtual card number, expiration and dynamic cvv. It’s separate from your physical debit card and can be managed independently.
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When you use your debit card to make a purchase, the merchant will request an authorization (or approval) for the transaction. An authorization confirms that your account is open and active and that there are enough funds available to cover the purchase amount at the time of the request.
The purchase amount sent by the merchant for authorization varies by merchant type. Many merchants request an authorization for the exact purchase amount, but some merchants may send an authorization request for a nominal amount such as $1 or an estimate that is more or less than the actual purchase amount. The authorization hold amount reduces your available balance and will remain on the account up to 3 business days when your debit card is swiped or inserted in person, or up to 5 business days when used for an internet, phone or mail order transaction.
When the transaction is presented to the bank, the actual purchase amount is deducted from your account. Some internet, phone and mail order merchants send items in multiple shipments. When this happens, a single authorization is placed on the account and the authorization hold amount is reduced as each item ships. The hold will remain on the account up to 5 business days or until the authorization amount is reduced to $0, whichever occurs first.
When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart.
A pending transaction or an authorization amount may vary from the final or actual purchase amount in situations where there is an estimated authorization amount or a tip is involved. Here are 2 examples that show how a pending transaction or authorization amount might be different from the final amount:
- At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include a tip you add. Some restaurants may add an estimated tip to the transaction total when requesting an authorization. Because of this practice, your final purchase amount may vary from the authorized amount.
- A hotel is allowed to request an authorization for an amount based on the length of your stay and applicable taxes. An estimated amount for incidentals may also be made. Cruise lines and car rental companies may also follow this practice.
It may take several business days for the final purchase amount to replace the pending transaction amount on your account. The pending transaction reduces your available balance. When the transaction is presented to the bank, the final or actual purchase amount is deducted from your account, usually within 3 to 5 business days (3 business days when a card is swiped or inserted in person or 5 business days when used via the internet, phone or mail order transaction).
Schedule an appointment at a financial center to review and discuss the error, or call us at 800.432.1000 (Mon-Fri 8 a.m. –11 p.m. or Sat-Sun 8 a.m. –8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
You can get these services at any Bank of America ATM across the country and at many ATM networks worldwide. Some services may not be available at non-Bank of America ATMs. Fees may apply for the available services at non-Bank of America ATMs. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for other fees that may apply.
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You can use a debit card just like a credit card wherever Visa or MasterCard cards are accepted. However, when you use a debit card, the purchase amount is deducted from your Bank of America checking account.
You may link up to 15 eligible accounts to your debit card by scheduling an appointment in a financial center or calling us at 800.432.1000 (Mon-Fri 8 a.m.–11 p.m. or Sat-Sun 8 a.m. –8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply). Find a financial center near you
Affinity debit cards have all the same benefits as a standard Bank of America debit card while highlighting on the card one of many charitable causes, special interests, organizations, sports, colleges or universities. Affinity debit cards are available with eligible checking accounts.
To request an affinity debit card, simply schedule an appointment at a financial center or call 800.432.1000 (Mon-Fri 8 a.m.–11 p.m. or Sat-Sun 8 a.m.–8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
A chip card is a standard-size plastic debit card that contains an embedded microchip as well as the traditional magnetic stripe.
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