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Business Advantage
Business ATM & Debit Cards
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Frequently Asked Questions
Business debit card
How do I activate my business debit card? How do I lock or unlock my business debit card? How can I reorder or replace my business debit card? How do I change my business debit card PIN (Personal Identification Number) or request a new PIN? Are there transaction fees for using my business debit card? What should I do if my business debit card is lost or stolen? Are there fees for requesting a replacement debit card? What are the daily purchase limits for a business debit card? How many accounts can be linked to a business debit card? Why should I use a business debit card? How is my business debit card different from a credit card? I already have a Visa® card. Why should I get an optional business debit card to make purchases?
Show all answers
How do I activate my business debit card?
There are several convenient ways you can activate your Bank of America business debit card:
On your desktop:
Sign in to Online Banking and activate your business debit card
On your mobile device:
Sign in to the mobile app and activate your business debit card
At an ATM:
Simply use your business debit card with your personal identification number (PIN) at a Bank of America ATM
Contact us:
Call 888.287.4637 (Mon-Fri 7 a.m.-10 p.m. or Sat 7 a.m.-7 p.m., excluding holidays; all times ET)
On your desktop:
Sign in to Online Banking and activate your business debit card
On your mobile device:
Sign in to the mobile app and activate your business debit card
At an ATM:
Simply use your business debit card with your personal identification number (PIN) at a Bank of America ATM
Contact us:
Call 888.287.4637 (Mon-Fri 7 a.m.-10 p.m. or Sat 7 a.m.-7 p.m., excluding holidays; all times ET)
How do I lock or unlock my business debit card?
If you’ve misplaced your business debit card and need time to find it, you can temporarily lock your card right from your Mobile Banking app or through Online Banking to help prevent unauthorized purchases and withdrawals. Then, when you find it, you can unlock your card just as easily.
On your desktop:
Sign in to Online Banking and lock or unlock your debit card
On your mobile device:
Sign in to the mobile app and lock or unlock your debit card
On your desktop:
Sign in to Online Banking and lock or unlock your debit card
On your mobile device:
Sign in to the mobile app and lock or unlock your debit card
How can I reorder or replace my business debit card?
There are several convenient ways you can reorder or replace your Bank of America business debit card:
On your desktop:
Sign in to Online Banking and request a replacement card
On your mobile device:
Sign in to the mobile app and request a replacement card
Contact us:
Schedule an appointment with a small business specialist or call 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET)
On your desktop:
Sign in to Online Banking and request a replacement card
On your mobile device:
Sign in to the mobile app and request a replacement card
Contact us:
Schedule an appointment with a small business specialist or call 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET)
How do I change my business debit card PIN (Personal Identification Number) or request a new PIN?
To change your PIN: Visit a Bank of American ATM and select More Options then Change PIN or visit a financial center.
To make a new PIN request: Visit a financial center.
You will need your current PIN in order to make a PIN change at the ATM. If you don’t know your PIN, visit a financial center or call 888.287.4637 and we will mail you a reminder.
Find an ATM or financial center
To make a new PIN request: Visit a financial center.
You will need your current PIN in order to make a PIN change at the ATM. If you don’t know your PIN, visit a financial center or call 888.287.4637 and we will mail you a reminder.
Find an ATM or financial center
Are there transaction fees for using my business 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 performed outside the US. For complete details, please refer to your Business Schedule of Fees as well as the disclosure information that accompanied your card.
An international transaction fee may be charged for debit card purchases and ATM cash withdrawals performed outside the US. For complete details, please refer to your Business Schedule of Fees as well as the disclosure information that accompanied your card.
What should I do if my business debit card is lost or stolen?
Contact us immediately by calling 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET). We’ll cancel your card and issue a replacement (fees may apply). Please see your Business Schedule of Fees for more details.
Other ways to notify us of your lost or stolen debit card:
On your desktop:
Sign in to Online Banking and take action on a lost or stolen card
On your mobile device:
Sign in to the mobile app and take action on a lost or stolen card
Other ways to notify us of your lost or stolen debit card:
On your desktop:
Sign in to Online Banking and take action on a lost or stolen card
On your mobile device:
Sign in to the mobile app and take action on a lost or stolen card
Are there fees for requesting a replacement debit card?
There are fees for each requested replacement and/or rush delivery of an ATM or debit card. The replacement fee does not apply when we replace a card upon its expiration. Please see your Business Schedule of Fees for complete details. (Note that fees apply when your ATM or debit card is used at a non-Bank of America ATM.)
What are the daily purchase limits for a business debit card?
There are no daily purchase limits. You may use your card up to your available balance.
How many accounts can be linked to a business debit card?
You can link up to 15 checking and savings accounts to each business debit card.
Why should I use a business debit card?
A business debit card is an extremely convenient way to pay for business expenses and has many advantages over writing a check:
- The card comes with the Total Security Protection® package including fraud monitoring and our $0 Liability Guarantee that credits fraudulent charges made with your card back to your account as soon as the next day
- The business debit card carries the Visa® and MasterCard® logo and enables you to make purchases directly from your business checking account at millions of locations worldwide, including online, anywhere Visa or MasterCard debit card are accepted
- The business debit card satisfies all ATM needs by enabling you to make deposits, initiate transfers or withdraw funds 24 hours a day
- And with this card, you can better manage cash flow since your purchases are automatically deducted from your business checking account balance
How is my business debit card different from a credit card?
With a business debit card, purchases are deducted automatically from your business checking account and detailed on your monthly statement.
I already have a Visa® card. Why should I get an optional business debit card to make purchases?
The Bank of America business debit card is the only card that you can use to pay for business purchases directly from your business checking account. Since all of your business expenses are itemized on your business checking account statement, you'll enjoy greater financial control. A Bank of America Business debit card is also a great way to protect yourself in case of an emergency. The card comes with a package of benefits including:
- Travel and emergency assistance
- Purchase security and extended protection for up to 90 days in case of theft or damage of the goods you purchase with the business debit card
- Total Security Protection® package including fraud monitoring and our $0 Liability Guarantee that credits fraudulent charges made with your card back to your account as soon as the next day
Business employee debit card
What is a business employee debit card used for? Can I have my employee's name embossed on a business employee debit card? What security features does the business employee debit card have to ensure private information about the account is protected? How can I reorder or replace my business debit card? Can users view the account balance with a business employee debit card? What is the daily purchase limit for a business employee debit card? What is the daily limit for ATM withdrawals for a business employee debit card? How many accounts can a business employee debit card link to? Can business employee debit cards be linked to digital wallets?
Show all answers
What is a business employee debit card used for?
Business employee debit cards give employees a convenient means to pay for day-to-day business expenses while limiting the account information the employee can access. The business employee debit card can be used everywhere Visa is accepted to make purchases for things such as office supplies, business lunches, postage, internet purchases and to obtain petty cash. Daily ATM withdrawal limits and point of sale (POS) purchase limits can be set by the account holder.
Can I have my employee's name embossed on a business employee debit card?
Yes. The business name and the employee’s name will be embossed on the card.
What security features does the business employee debit card have to ensure private information about the account is protected?
The business employee debit card has the following security features:
- No access to account balances
- Funds cannot be transferred between other accounts
- Card can only be linked to 1 account; no additional accounts can be linked
- Card cannot be upgraded or downgraded
- Total Security Protection® package including fraud monitoring and our $0 Liability Guarantee that credits fraudulent charges made with your card back to your account as soon as the next day
- Cash back available on PIN-based purchases
How can I reorder or replace my business debit card?
There are several convenient ways you can reorder or replace your Bank of America business employee debit card:
On your desktop:
Sign in to Online Banking and request a replacement card
On your mobile device:
Sign in to the mobile app and request a replacement card
Contact us:
Schedule an appointment with a small business specialist or call 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET)
On your desktop:
Sign in to Online Banking and request a replacement card
On your mobile device:
Sign in to the mobile app and request a replacement card
Contact us:
Schedule an appointment with a small business specialist or call 888.287.4637 (Mon-Fri 7 a.m. -10 p.m. or Sat 7 a.m. -7 p.m., excluding holidays; all times ET)
Can users view the account balance with a business employee debit card?
No. The business employee debit card does not allow users to view account balances.
What is the daily purchase limit for a business employee debit card?
Daily purchase limits can be customized by the account holder up to a maximum of $7,500 per day.
What is the daily limit for ATM withdrawals for a business employee debit card?
Daily ATM withdrawal limits can be customized by the account holder up to a maximum of $700 per day.
How many accounts can a business employee debit card link to?
A business employee debit card links to a single account.
Can business employee debit cards be linked to digital wallets?
No. Business employee debit cards cannot be linked to digital wallets.
Business deposit card
What is a business deposit card? Do employees have to be an authorized signer on the account to use a business deposit card? Can users make withdrawals or view the account balance with a business deposit card? Can check images be printed on the ATM receipt when using a business deposit card? How can I request a business deposit card?
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What is a business deposit card?
A business deposit card enables clients to make cash and check deposits by allowing couriers, runners or employees to make deposits 24/7 at any Bank of America ATM without the ability to withdraw cash or see balances.
Do employees have to be an authorized signer on the account to use a business deposit card?
No. Business deposit cards can be provided to employees or runners who are not authorized signers on the account.
Can users make withdrawals or view the account balance with a business deposit card?
No. The business deposit card does not allow users to make cash withdrawals or view account balances.
Can check images be printed on the ATM receipt when using a business deposit card?
Yes. Business deposit cards allow for trouble-free on-screen deposit verification, as well as the option to print check images on the receipt.
How can I request a business deposit card?
Schedule an appointment with a small business specialist to request a business deposit card. To request a card you must be an owner or authorized signer.
Business ATM card
What can I do with a business ATM card? Are there fees for requesting a replacement debit card? How many accounts can I link to my business ATM card?
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What can I do with a business ATM card?
You can make deposits, withdraw cash, transfer money and get account balances. You can also pay for purchases using your card at thousands of merchants that accept ATM cards.
Are there fees for requesting a replacement debit card?
There are fees for each requested replacement and/or rush delivery of an ATM or debit card. The replacement fee does not apply when we replace a card upon its expiration. Please see your Business Schedule of Fees for complete details. (Note that fees apply when your ATM or debit card is used at a non-Bank of America ATM.)
How many accounts can I link to my business ATM card?
You can link up to 15 Bank of America business checking and savings accounts to 1 card. You can name each account individually so that each account name will appear on the ATM screen for you to select when you want to make deposits and withdrawals.
