At Bank of America, we take your security seriously. That's why our credit and debit cards come with security features that help protect your information.
Get stronger security for your credit and debit card with chip technology that protects your information when used at a chip-enabled terminal.
Find out more about chip cards
Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, visit www.bankofamerica.com/privacy.
Bank of America utilizes various tools designed to help protect your debit cards against fraudulent transactions. We are active participants in Verified by Visa® and MasterCard SecureCode®. As a result we may request that you authenticate yourself when you use your Bank of America debit card online. You can shop with confidence knowing that when you make a purchase with your Bank of America debit card at a Verified by Visa® or MasterCard SecureCode® merchant you are still covered by our $0 Liability Guarantee.footnote1
Placing your photo on the front of your Bank of America personal or small business debit card can help prevent fraud if your card is lost or stolen. Glossary Term: Learn how to add Photo Security® to your card
Sign the signature panel on your credit and debit cards as soon as you receive them.
Save the receipts from your charges and keep them in a safe location. Check your statements to verify that they properly reflect the amounts you have authorized. Report any fraudulent transactions immediately. Once you have reconciled your statements, shred up all receipts and discard them at home.
Access your Bank of America card statements through Online Banking and ask us to stop sending paper. Checking your balances and viewing your account statements online is safer than having information sent through the mail.
Keep the list in a safe and secure place and include the telephone numbers to call if your cards are ever lost or stolen.
A digital wallet stores information about your physical debit and credit cards so you can make purchases at participating merchants. Certain digital wallets use virtual cardsFootnote2. A virtual card is the digital form of your physical debit or credit card and it has a unique card number stored within a digital wallet that's different from the physical card number. So, it cannot be accessed from your digital wallet if your mobile device is lost or stolen. You can use your virtual card with your digital wallet to conveniently make purchases, just like your physical debit and credit cards. You still get all the rewards, benefits and protections your physical card provides.
Learn more about Apple Pay™ »
Learn more about Android Pay™ »
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Use ATMs with surveillance cameras and be aware of people and your surroundings. When you enter or exit an ATM in an enclosed area, be sure you close the entry door completely. Do not open locked ATM vestibule doors for others or allow any unknown persons to enter the ATM area while you are making your transaction. Shield the ATM keypad with your hand or body while entering your PIN. Secure your card and cash after completing your transaction and before exiting the ATM area. Count your cash later in the safety of your locked car or home. Your ATM card is like cash, so keep it in a safe place.
Never provide credit or debit account information to anyone who calls you. Bank of America will never reach out to you in this way to request sensitive account information.
Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security® card as an additional form of ID.
The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards.
Adding a photo to a new or existing Bank of America card is easy:
Stop by a banking center. We can take your photo in just a few minutes and you’ll receive your new card in 5-7 business days (a debit card replacement fee may apply). Continue to use your existing card until your new Photo Security card arrives. We'll keep your photo on file so it automatically appears on your card when it’s reissued. Find a banking center