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Debit Card FAQs

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Order, replace, activate or lock/unlock a debit card
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How do I order a debit card?

Bank of America offers several convenient ways to order a debit card:

On our website

Sign 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

Sign in to the mobile app to order a new or replacement card

Get the 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). You will receive your debit card in 4-6 business days.

How do I replace my debit card?

Bank of America offers several convenient ways to replace your debit card:

On our website

Sign in to Online Banking to replace your debit card

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device

Sign in to the mobile app to replace your debit card

Get the 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).

How do I activate my debit card?

Bank of America offers several convenient ways to activate a debit card:

On our website

Sign in to Online Banking to activate your card

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device

Sign in to the mobile app to activate your card

Get the app

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.

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).

How do I temporarily lock my debit card?

If you’ve misplaced your ATM/debit card and need time to find it, you can temporarily lock your card right from the Mobile Banking app or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, unlocking your card is just as easy.

Follow these simple steps to lock or unlock your card:

On our website

Sign in to Online Banking to lock or unlock your debit card

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device

Sign in to the mobile app to lock or unlock your debit card

Get the app

What is the fastest way to get my debit card?

The fastest way to get your card is to 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., excluding holidays; all times ET). Find a financial center near you

How do I replace my ATM card with a debit card?

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).

Debit card alerts and limits
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How do I set up alerts to track my debit card and account activity?

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

Sign in to Online Banking to manage alerts

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device

  1. Sign in to the Mobile Banking app
  2. Tap Alerts then Settings
  3. Select your account and choose your alerts

Get the app

Debit card fees
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Are there any fees for requesting a replacement debit card?

There is no fee when we replace an expired debit card, but there is a fee for each debit card replacement you request. Fees also apply when you request rush delivery of a debit card or other debit access device. Please refer to the Personal Schedule of Fees for complete details.

Are there any fees for using an ATM?

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, transfers and balance inquiries from ATMs at other financial institutions. A fee may also be charged by the ATM operator or any network used for the transaction. You also may be charged a fee for a balance inquiry even if you do not complete a funds transfer.

Other account fees may apply to the transaction such as an excess withdrawal fee for savings. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details.

Are there any transaction fees for using my debit card?

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.

Are there any additional fees associated with chip cards?

There is no additional cost to have or to use your new card with smart chip technology. However, there are fees that may apply for each requested replacement of a debit card. (The replacement fee does not apply when we replace a card upon its expiration.) Please refer to your Personal Schedule of Fees for more details.

Is there a fee to withdraw cash from a teller at a non-Bank of America financial center?

Yes, there may be a fee associated with the transaction. Please refer to the Personal Schedule of Fees for complete details.

Lost or stolen debit cards and transaction disputes
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How do I dispute a transaction?

We recommend that you contact the merchant prior to calling us about a dispute as it's generally faster and simpler for you to attempt to resolve the question with the merchant directly before going through the dispute process. To dispute a transaction:

On our website

Sign 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.

What should I do if my card is lost or stolen?

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

Sign 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

Sign in to the mobile app to notify us that your card has been lost or stolen​

Get the app

How do I temporarily lock my debit card?

If you’ve misplaced your ATM/debit card and need time to find it, you can temporarily lock your card right from the Mobile Banking app or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, unlocking your card is just as easy.

Follow these simple steps to lock or unlock your card on our website or from your mobile device

On our website

Sign in to Online Banking and lock your debit card

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device

Sign in to the mobile app to lock or unlock your debit card

Get the app

Debit card PIN (personal identification number)
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How do I change my ATM or debit card PIN or request a new PIN?

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.

Find an ATM or financial center

What should I do if my ATM or debit card PIN isn’t working?

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).

Is there a difference between signing a receipt and using my PIN to authorize a debit card purchase?

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.

Digital wallets and virtual cards
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What is a digital wallet?

A digital wallet stores information about your physical debit card so you can make purchases at participating merchants. Certain digital wallets use virtual cards.

Learn more about Apple Pay® »

Learn more about Google Pay »

Learn more about Samsung Pay »

Learn more about Microsoft® Wallet »

Learn more about Visa Checkout »

Learn more about Masterpass »

What is a virtual card?

A virtual card is the digital form of your physical debit card and has a unique card number that's stored within a digital wallet.

Learn more about Apple Pay® »

Learn more about Google Pay »

Learn more about Samsung Pay »

Learn more about Microsoft® Wallet »

How does a virtual card relate to your debit card?

A virtual card has a unique number that's different from the number on the physical debit card it's linked to, so it can’t be accessed from your digital wallet if your mobile device is lost or stolen. You can use your virtual card with your mobile device to conveniently make purchases on the go, just like with your physical debit card.

Learn more about Apple Pay® »

Learn more about Google Pay »

Learn more about Samsung Pay »

Learn more about Microsoft® Wallet »

Debit card authorization, pending and final transaction amounts
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What is an authorization?

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.

What could cause a pending transaction or authorization amount to be different from my final or actual purchase amount?

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.
When will the final purchase amount replace the pending amount and be posted to my checking account?

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).

What if I see an error on my pending transaction history?

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).

Where can I use my debit card to inquire about account balances, transfer funds or withdraw cash from my account?

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.

Find a Bank of America ATM

Other debit card questions
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How is a debit card different from a credit card?

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.

How can I link additional accounts to my debit card?

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

What is an affinity debit card?

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).

What is a chip card?

A chip card is a standard-size plastic debit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip enabled. Learn more about chip cards

How do I add a photo to my debit card?

To add a photo to your debit card, simply schedule an appointment at a financial center. We'll take your picture and mail your photo-enhanced debit card to you. (In some cases, a replacement fee may apply. Please refer to the Personal Schedule of Fees or Business Schedule of Fees for complete details.) Find a financial center near you

Want to simplify your life with a Bank of America debit card?

All you need is a Bank of America checking account to get started.

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