Debit Card FAQs

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.

An estimated amount for incidentals may also be made. To dispute a transaction:

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Here are 2 examples that show how a pending transaction or authorization amount might be different from the final amount:.

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.

Schedule an appointment at a financial center to review and discuss the error, or call us at Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for other fees that may apply. 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. You may link up to 15 eligible accounts to your debit card by scheduling an appointment in a financial center or calling us at 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 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. 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 enter the ZIP code for your home address so we can give you accurate rate and fee information for your location. View all deposits FAQs. Select Your State Please tell us where you bank so we can give you accurate rate and fee information for your location.

Expand all panels Expand all panels Collapse all panels. Show all answers How do I order a debit card? 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 How do I replace my debit card?

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 How do I activate my debit card?

Contact us Schedule an appointment at a financial center or call How do I temporarily lock my debit card? Follow these simple steps to lock or unlock your card: 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? How do I replace my ATM card with a debit card? Debit card alerts and limits , closed Expand all panels How do I set up alerts to track my debit card and account activity?

Show all answers How do I set up alerts to track my debit card and account activity? There are 2 easy ways you can set up alerts: How do I set up ATM limits on my debit card? Debit card fees , closed Expand all panels Are there any fees for requesting a replacement debit card?

Show all answers Are there any fees for requesting a replacement debit card? Are there any fees for using an ATM? Are there any transaction fees for using my debit card?

Are there any additional fees associated with chip cards? Is there a fee to withdraw cash from a teller at a non-Bank of America financial center? Lost or stolen debit cards and transaction disputes , closed Expand all panels How do I dispute a transaction?

Show all answers How do I dispute a transaction? To dispute a transaction: Enroll in Online Banking today Contact us You may also dispute a transaction by calling us at What should I do if my card is lost or stolen? 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?

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?

Is there a difference between signing a receipt and using my PIN to authorize a debit card purchase? Whether you sign or use your PIN, there is no difference in how much you are charged. Digital wallets and virtual cards , closed Expand all panels What is a digital wallet? Show all answers What is a digital wallet?

What is a virtual card? How does a virtual card relate to your debit card? Debit card authorization, pending and final transaction amounts , closed Expand all panels What is an authorization? Show all answers What is an authorization? What could cause a pending transaction or authorization amount to be different from my final or actual purchase amount?

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 post to my checking account?

What if I see an error on my pending transaction history? Where can I use my debit card to inquire about account balances, transfer funds or withdraw cash from my account? Sign in button Get the app button.

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