First things first

You may want to

Contact the merchant. Although not required, it sometimes can be faster and simpler for you to resolve any issue directly with the merchant.

Credit Card , ATM or Debit Card Disputes

You can file a dispute for credit card charges by signing in to Online Banking and following the instructions. For ATM or debit card disputes, call 877-366-1121.

Wire Transfers

You have the right to dispute errors in your transaction. If you think there is an error contact us within 180 days at 1.877.337.8357, or from outside the U.S., contact us at 1.302.781.6374.

Stop payment on a check

You can request that we stop payment on one or several checks when you're signed in to Online Banking, withing the Information & Services tab for the account a check was written against.

Stopping payment on Bill Pay, Auto-draft or automatic ACH transfers

To stop payment on payments set up through Online Banking Bill Pay, please contact us. We can't process these stop payment requests online.

To stop payment on auto-drafts or ACH transfers set up through a merchant or vendor, please contact us.

Making a request to stop payment on these transfers may result in a fee. For more information about stop payment fees, view your Personal Schedule of Fees.

Act quickly and take the following actions:

• Check your credit report to make sure there are no other accounts you're not aware of that have been opened in your name. Visit annualcreditreport.com or call 877.322.8228 to obtain a credit report.
• Contact any of the credit reporting agencies to place a fraud alert on your file:
  • Experian: Experian.com or 888-397-3742
  • TransUnion: TransUnion.com or 800-680-7289
  • Equifax: Equifax.com or 888-766-0008
• Freeze your credit. Place a credit freeze (security freeze) with all three bureaus to help limit access to your credit reports and prevent unauthorized new accounts from being opened using your information.
• Once you freeze your credit, you'll need to remove the freeze when applying for a new account.
• You can lift or suspend the freeze temporarily or permanently. Check with each credit bureau regarding their specific process.
• Alternatively, you may also consider placing an alert on your credit report, which makes it harder for credit to be opened in your name by notifying the creditor of potential fraud. You do need to renew an alert each year.
• Contact your other financial institutions and creditors to speak with the fraud department and tell them your identity may have been compromised.
• Consider changing your logins and passwords to help better protect your accounts.
• You may choose to also file a report with your local law enforcement.

A merchant compromise is an organized theft of ATM, debit card or credit card information.

We continuously monitor transactions for suspicious activity. If we detect that your Bank of America card may have been part of a merchant compromise, this does not necessarily mean that fraud has occurred (or will occur) on your account. Still, as part of our concern for your security, we may deactivate your current card and issue you a new one as a precaution to help keep your account safe.

Your security is our top priority. Please visit our merchant compromise page to learn how we protect you and to see what you need to do next in the event we notified you that a new card is on the way.

Phishing emails (fraudulent emails that appear to be legitimate) usually contain features that reveal their true intent - if you know what to look for:

• Often the message doesn't address you by name. It also implies urgency, attempting to get you to act quickly before you have time to carefully read the message or examine it thoroughly.
• If you hover over a link in a phishing email, it will usually show you that it's pointing to a site different from the one stated in the message. The goal is to get you to click through to a web page where you'll be asked to provide personal information or open an attachment that may be malicious.
• Phishing messages often contain grammar and/or spelling errors.

Voice phishing is an attempt by a fraudulent source to obtain your identity, credit card details or money by phone. Be suspicious when receiving a phone call if the Caller ID or automated voice appears to be from Bank of America and asks you to confirm account details. We will never contact you asking you for your bank or credit card numbers.

We value our relationship with you. Our products and services are designed with your best interests in mind. Our employees place the highest importance on protecting your information and preventing data loss.

If you believe you've discovered a potential security concern on any Bank of America product, application, service or affiliated site, contact us by emailing security@bankofamerica.com and a member of the Bank of America Security Team will reach out to you.

Please provide the following information in your email:

• Your preferred method of contact and your contact details to discuss your concern.
• A general high-level description of the issue and concern (do not include specific details of your concern until the Bank of America Security team has established a secure communication channel with you)

We ask our employees and customers to look for opportunities to do the right thing in every aspect of their daily lives. Please note submissions are not eligible for compensation.

Watch our guided demos for steps on how to recover your ID or password

• Online Banking
• Mobile Banking