How to replace the Bank of America debit card?

Have you ever wondered what happens when the card expires ? Banks and credit unions typically ship a replacement credit or debit card long before its expiration date. However, it does not always get into the hands of consumers: sometimes, you have to start the procedure on your own.

Knowing how to replace your Bank of America debit card will help you prevent any inconvenience and also take care of your finances. Ultimately, a debit card is always prone to being lost or stolen by someone. Although in these cases you must block it immediately, the process to request a replacement will be practically the same.

Ways to Replace Bank of America Debit Card

Replacing your Bank of America debit card can be as easy as going online. So if you're wondering "can I order my Bank of America debit card online?" The answer is a resounding yes. Gone are the days of visiting a branch or financial institution to obtain a replacement (although this option is still as valid as any other).

Put these steps into practice to order a new Bank of America card , whether due to theft, expiration, or loss.

Replace the Bank of America debit card in person

Although you can go to the “ Bank of America near me ” in the banking hours of your preference, we recommend that you make an appointment at the branch closest to your home . In this way, you can receive the replacement plastic the same day without having to wait for the postal mail.

Requesting an appointment at Bank of America is very easy . Visit “ Schedule an Appointment ”, indicate what type of client you are -investor, saver, small business, etc.- and select the option to visit a financial center . Later:

1. Write your zip code . The website will show you the branches closest to you.
2. Select the location of your preference and click continue.
3. Since you do n't know which specialist is right for you , answer that you don't want to see a specific expert.
4. Choose the language in which you want to be attended . Bank of America serves its customers in English, Spanish, Cantonese, Arabic, etc.
5. Mark the date and time of your next appointment . The system will show you Bank of America hours on normal days . Remember that, if you need it, you can edit the appointment online.
6. Go to online banking to finish or fill out the form with your personal and contact information .

Upon completion, you will receive an email or text message with a confirmation code . Do not forget to take this code to the bank on the day of your appointment.

Note: You can also schedule your appointment by calling 800-432-1000 Monday through Friday, from 8:00 a.m. to 11:00 p.m. or on weekends, from 8:00 a.m. to 8:00 p.m.

Order a new card at Bank of America with the mobile app

Download the Bank of America mobile app . When you have it installed on your phone, open it and log in. Then select the help and support option on the page . Thus, you will be able to request your replacement debit and / or credit card. It doesn't matter if you are in or out of the country: you can start the process anyway (wherever you are).

Can I replace my expired Bank of America debit card online?

Of course! Log into Bank of America Online Banking using a computer, laptop or tablet with internet access. In the bank's drop-down menu, you will see an option called “Manage debit and / or credit cards”. Once in the system, choose "Request a new debit card or a replacement card" and that's it.

You should receive your new Bank of America debit card in 4-6 business days . The bank will send it to you by post.

Tip: If you've recently moved, we recommend that you first update your home address with Bank of America. Otherwise, you will lose much more time.

How to apply for a Bank of America debit card by phone?

Applying for a new Bank of America debit card over the phone is a breeze. Call 800-432-1000 (in the US) or 315-724-4022 (abroad) Monday through Friday during extended hours to request a replacement . Keep in mind that the operator will want to verify your identity, so you should have all your personal and contact information at hand.

How much does a Bank of America debit card replacement cost?

This depends a lot on your particular case. Technically, Bank of America does not charge associated fees or charges for applying and sending the first card. Nor does it when it comes to sending a replacement debit and / or credit card due to the expiration of the previous one.

However, the financial institution charges an additional surcharge when it comes to a replacement debit and / or credit card due to theft, damage or loss :

• If you ask to replace the Bank of America debit card or a credit card with classic shipping (4-6 days) the bank will charge you $ 5 .
• If you ask to replace your Bank of America debit card or rush credit card (1-2 days) the bank will charge you $ 20 in total .

Now, it is important that you know that although Bank of America does not charge for the issuance of a first debit and / or credit card, it will be subject to other charges, fees and commissions for various types of bank overdrafts , international transfers, penalties, among others. Read the fine print of your contract very well to be aware of everything.

How long does it take for my replacement Bank of America card to arrive?

Bank of America debit and / or credit cards take 4-6 business days to arrive at your door . The financial institution only makes shipments by postal mail, unless you go to a branch in person.

If you need to make expenses and purchases from now on and you cannot wait for the communication to arrive, we recommend you request a virtual card and, if necessary, affiliate it with the Bank of America digital wallet app to make your day-to-day payments.

Mind you, it's important to know that not all Bank of America customers qualify for a digital debit card.  ou will have to contact the bank to find out more details about your case.

How do I take care of my money if a Bank of America card is lost or stolen?

The first thing you should do to take care of your finances when any card is lost or stolen, regardless of whether it is Bank of America or not, is to ask for the plastic block. This will prevent someone outside of you from using it in commercial establishments, online stores or ATMs.

This is especially important with credit cards. Why? Well, because these do not usually work with keys. Typically, the credit card PIN is reserved for cash advances and, in some cases, for completing overseas transactions.

In the case of Bank of America, user-ordered online blocks are temporary . The only way to permanently block a debit and / or credit card is by calling the bank to request its deactivation.

To permanently block your Bank of America credit cards , call 800-732-9194 (if you are within the United States) or 757-677-4701 if you are outside the country.

The numbers change slightly when it comes to debit cards : call 800-432-1000 to block your card from the United States or 315-724-4022 if you are abroad.

Check your balance in search of strange operations with your card

Now, after blocking the card, you should take a look at the accounts . Go to online banking to check your current balance and the latest bank movements, and dispute with the bank anything that seems suspicious to you.

If you want to be protected at all times, we recommend activating the Bank of America Zero Liability Guarantee . This type of insurance will protect you against fraudulent transactions.

Once you receive the replacement card , remember to activate it, change the PIN and modify the payment information for your subscriptions and services . In this way, you will not have outstanding debts or problems in the future.

Report possible fraud with your Bank of America credit card

If you see operations that you do not remember doing in your online account, this could be fraud, then take advantage of the call to report it to the bank . Always indicate the amount, the date and the name of the store or merchant so that the agent can file the claim.

Tip: If you notice strange movements before blocking your Bank of America debit card, you can also dispute them by calling 877-366-1121. Take advantage of the moment to request, in addition, a freezing of your bank account or the total blocking of your credit card.

How to report a lost Bank of America card online?

You can report a lost Bank of America card from your online account . By doing so, you will be blocking it temporarily automatically. This will give you time to search and find your debit card (it may be somewhere in the house). For it:

Sign in to Bank of America. You can use your search engine or the mobile application.

Open the menu and select the option "Manage debit and / or credit cards."

Choose the lost card and click "Block . " From that moment on, the card will not go through any point of sale, ATM, etc.

If you find your card, you can unlock it by following this same step by step . The only difference will be to mark the "Unlock" button instead of "Lock" in the options menu.

Note: After blocking or unblocking your Bank of America debit card you will receive a confirmation SMS and email from the bank.

How do I block my Bank of America card? (Temporarily and permanently)

If you want to temporarily block your Bank of America card, follow the step-by-step above . Log into banking online, either through the mobile app or on a computer or tablet. Once in your account, choose "Manage cards" and activate the "Block" option.

If you want to permanently block your card , we recommend calling the Bank of America customer service number in Spanish . There is no other way to do it, unless it is by visiting a branch.

Bank of America card expired? What should you do

The MM / YY section that appears on your Bank of America credit or debit card indicates its expiration date . When a plastic expires, it stops passing at points of sale, online stores, etc. Even payments for your streaming subscriptions and software will not be approved. What to do when a debit and / or credit card expires? We explain it to you!

What to do when a debit card expires?

Generally, you won't have to do anything. Bank of America will send you a replacement card before the one you have in hand expires . However, it may happen that you do not receive the new plastic. According to the latest statistics, there are some 13 million reports of fraud and identity theft per year, most of them related to replacement debit and / or credit cards.

If you haven't received your replacement Bank of America debit card, you can order it yourself without even leaving your home , either through a computer with Internet access or using your mobile phone.

To order a new debit card from Bank of America online , visit the bank's official website :

1. Log in with your banking credentials.
2. Select the option "Request a new debit card or replacement card."
3. Follow the system instructions and voila! If your current card is still valid, Bank of America will not cancel it until the replacement card reaches you .

To order a new debit card at Bank of America by mobile , download the app :

1. Login with your credentials.
2. Select the option "Manage cards."
3. Press "Replace debit or credit card" and voila!

If you prefer, you can also ask Bank of America's virtual assistant (Erica) to help you get a replacement card . Make the consultation by voice or text message, follow the instructions of the virtual assistant and you will have your new card in no time.

reference: https://www.creditosenusa.com/como-reemplazar-la-tarjeta-de-debito-de-bank-of-america/