The Bank of America debit card offers defense against theft, loss and fraudulent use through Total Security Protection, our automatic protection package that provides the following safety features:
Zero Liability Protection. If your card is lost or stolen, Bank of America reimburses you for fraudulent card transactions up to the amount of the loss, when reported within 60 days from the statement date.Footnote 1
Prompt account credit. Your account will be credited as soon as the next business day for fraudulent transactions if your card is lost or stolen.
Fraud monitoring. Card transactions are reviewed so we can quickly identify abnormal patterns to block potential fraud and safeguard your account.
Help prevent fraudulent card use by adding your photo to your debit card. Photo Security provides added protection against fraud and is an available feature for all Bank of America personal checking account customers who have a debit card.