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Deposits

FAQs: Questions about Debit Cards

  • Hide How do I activate my debit card?

    There are three ways to activate a debit card:

    • Call 1.888.624.2323
    • Use the debit card with your current PIN at any Bank of America ATM or to make a purchase
    • Sign in to Online Banking
  • Show What should I do if my card is lost or stolen or if I notice fraudulent debit card transactions?

    Please contact us immediately if you realize that your card is missing or if you notice any fraudulent transactions. Your card automatically comes with our Total Security Protection package which provides you with greater defense against theft, loss and fraudulent use of your card.

    Please call:

    • Within the United States - 1.800.848.6090.
    • Internationally - Call collect 1.315.724.4022

    Or notify us online by signing in to Online Banking

    • Show Are there transaction fees for using my debit card?

      Bank of America does not charge transaction fees for using your debit card to make purchases.  However, some merchants may charge a transaction fee or surcharge.

      An international transaction fee may be charged for debit card purchases and ATM cash withdrawals.  Please refer to your Personal Schedule of Fees for more details.

    • Show Are there fees for requesting a replacement debit card?

      There are fees for each requested replacement of a debit card.  The replacement fee does not apply when we replace a card upon its expiration.  Fees also apply for each requested rush delivery of a debit card, including the requested rush delivery of debit sticker (tag) or other debit access device.  Please refer to your Personal Schedule of Fees for more details.

    • Show What is an authorization?

      When you use your debit card for a purchase, the merchant will request an approval or an “authorization” for the transaction. This authorization generally confirms that an account is open and active and 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. However, some merchants may send a nominal amount, such as $1, or an estimate that is more or less than the actual purchase amount. Each authorization will show as a pending transaction. When the transaction is presented to the bank, the actual purchase amount is deducted from your account, usually within 2 to 3 business days. If the authorization is not matched to an actual purchase amount within 3 business days, the transaction will no longer be displayed. This sometimes occurs when the merchant sends an authorization only to verify that the card is open.

    • Show 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.

      The following three examples 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.

      At the gas pump, the station requests an initial authorization prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter what the final purchase amount is.

      At a hotel, they are 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.

    • Show 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 2 to 3 business days. If the authorization is not matched to an actual purchase amount within 3 business days, the transaction will no longer be displayed. This sometimes occurs when the merchant sends an authorization only to verify that the card is open.

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

      If you see that there appears to be an error on your pending transaction history, please call us at 1.800.432.1000 from 7 a.m. to 10 p.m. local time Monday through Friday or 8 a.m. to 5 p.m. local time Saturday and Sunday. You may also visit a banking center.

    • Show Can I withdraw cash from a teller at a Non-Bank of America Banking Center?

      Yes, you may go to a teller at a Non-Bank of America Banking Center to withdraw cash using your debit card; however there may be a fee associated with that transaction.  Please see your personal schedule of fees for details.

    • Show How can I request a debit card?

      Once you open a new Bank of America checking account, or if you already have an existing Bank of America checking account, you can request a debit card in the following ways:

      • Sign in to Online Banking
      • Call 1.800.432.1000 from 7 a.m.–10 p.m. Local Time Monday–Friday or 8 a.m.–5 p.m. Saturday–Sunday Local Time
      • Visit a banking center

      You will receive your new debit card in 5 to 7 business days.

    • Show What are the fees for using an ATM?

      Bank of America customers can transfer funds, make deposits, inquire about a balance, and withdraw cash with their Bank of America debit card without a fee at thousands of Bank of America ATMs in the United States.  Other account fees may apply to the transaction such as an Excess Withdrawal fee for savings accounts.  Please refer to your Personal Schedule of Fees for more details.

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

    • Show How do I request a PIN (Personal Identification Number)?

      To request a new PIN, call 1.800.432.1000 from 7 a.m. to 10 p.m. local time Monday through Friday or 8 a.m. to 5 p.m. local time Saturday and Sunday.  You may also visit a banking center.

    • Show How do I change a PIN (Personal Identification Number?

      If you do not know your PIN, please visit a banking center or call 1.800.432.1000 from 7 a.m. to 10 p.m. local time Monday through Friday or 8 a.m. to 5 p.m. local time Saturday and Sunday and we will mail you a reminder.

      If you know your PIN, you may change it in the following ways:

      • Visit a Bank of America ATM, select More Options, and then Change PIN
      • Visit a banking center
    • Show What should I do if my PIN (Personal Identification Number) isn't working?

      Please contact us immediately at 1.800.432.1000 or visit a banking center.

    • Show How can I avoid problems if I plan to travel domestically or internationally and use my debit card?

      To help prevent an interruption in debit card access, it’s necessary to set a travel notice on the cards you plan to use while traveling.  To set a travel notice:

      • Sign in to Online Banking and go to the Help & Support page, select the Checking & Savings accounts topic and then select Use your card while traveling link and enter your trip details
      • Call 1.800.432.1000

      For your protection, we will continue to monitor card activity even when a travel notice is set.  If you encounter any issues while traveling, please contact us toll-free at 1.877.833.5617 or internationally by calling collect at 1.602.597.2395.

      For more information on using your card internationally.

    • Show 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 Important Information Brochure included with your card for more details.

    • Show Is there a difference between signing a receipt and using my PIN (Personal Identification Number) to authorize a debit card purchase?

      No.  Whether you sign or use your PIN, there is no difference in what you are charged and the purchase amount will be deducted from your Bank of America checking account.

      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 upon the merchant.

    • Show How is a debit card different from a credit card?

      You can use a debit card wherever Visa or MasterCard cards are accepted, just like a credit card.  However, when you use a debit card, the purchase amount is deducted from your Bank of America checking account.

    • Show How can I link additional accounts to my debit card?

      You may link up to 15 eligible accounts to your debit card by calling us at 1.800.432.1000 from 7 a.m. to 10 p.m. local time Monday through Friday or 8 a.m. to 5 p.m. local time Saturday and Sunday.  You may also visit a banking center.

    • Show What is a specialty debit card?

      Specialty debit cards have all of the same benefits as the standard Bank of America debit card.  You can show your passion by selecting from charitable causes, special interests, organizations, sports, colleges and universities, and more.

      To request one, call 1.800.432.1000 from 7 a.m. to 10 p.m. local time Monday through Friday or 8 a.m. to 5 p.m. local time Saturday and Sunday.  You may also visit a banking center

    • Show What is an Alaska Airlines debit card?

      An Alaska Airlines debit card provides you with the opportunity to earn miles to your Mileage Plan™ account every time you use your debit card for a qualifying purchase.

      •    Earn 3,000 enrollment miles after your first purchase
      •    Earn one mile for every $2 in purchases.
      •    Earn one mile for every $1 spent on Alaska Airlines purchases and vacation packages.
      •    $30 annual fee

      Miles earned with this card are automatically deposited into your Mileage Plan™ account. You can use these valuable miles for trips on Alaska Airlines or any of its partners.  To redeem miles, visit alaskaair.com or call 1.800.654.5669.

      The Alaska Airlines debit card is not available for business checking accounts and cannot be used for business purposes. Please refer to the Alaska Airlines Visa® Debit Card Addendum to the Card Agreement for more detail.