Skip to main content

Debit Card Security

Total Security Protection®

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.

Privacy policy. We safeguard your Social Security number and other personal and financial information. Plus, we give you control over how your information is shared and used. Learn more about our privacy and security practices

Debit Card Photo Security®

Image of Photo Security

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.

  • Helps prevent others from using your card if it's lost or stolen
  • Identifies you to merchants and others as the card's authorized user
  • Allows you to choose your own photograph or a picture we'll take for you
  • Keeps your photo on file for automatic use if we need to reissue your card

Request Photo Security® for your debit card

  • For help with your photo, visit your nearest banking center and we’ll take your picture.
  • After submitting your request, please continue to use your existing debit card until the new card arrives