Banking and Finance

How to Get a Replacement Debit Card from Bank of America?

July 27, 2021

The Federal Trade Commission filed 13 million complaints regarding fraud and identity theft in the four-year period between 2012 and 2016. This is staggering, and they’ve reported that those numbers are expected to continue to increase.

Whether you need to order a replacement card because your card was stolen and used without your knowledge or simply because you’ve misplaced (and hopefully have had it deactivated!), it’s actually quite easy to order a replacement debit card from Bank of America.

What to Do If You Lose Your Bank of America Debit Card?

It’s actually worth noting first that if Bank of America sees and suspicious charges on your account, they’ll go ahead and automatically freeze it, even if those transactions were made by you!

This usually occurs when you go to purchase a big-ticket item that costs a lot. You simply have to log into your account, review the transactions, and let them know if you made them or not. In the case that you didn’t make them, this is a great safeguard against fraud.

Now, if they didn’t freeze your account, you’re going to want to contact the bank and freeze your account and ask them to do so. To contact Bank of America regarding a lost debit card you can:

  • Log into your Bank of America online account and report the card missing or stolen.
  • Call Bank of America at 800-432-1000 (if you’re outside the continental US, call international collect 1-315-724-4022).

If you’re calling to simply dispute a transaction, call 877-366-1121.

Check Your Bank of America Account History

Depending on who you speak with, the Bank of America customer service attendant might ask you about recent charges on your account. If they don’t, it’s important to go back in and check your Bank of America account history. 

Make sure that there aren’t any unauthorized charges on the account that you didn’t make. If there are, be sure to write down or make note of the charges, including the amount of the charge, the date, and the merchant name. 

As mentioned, however, Bank of America is actually great about reporting suspicious charges. And, don’t worry if you see any on your account. The bank offers a $0 Liability Guarantee, so you’re never liable for unauthorized charges.

Leave your account locked until you’ve been able to get in touch with the bank to let them know what’s going on. Because you don’t have a Bank of America debit card to use at the moment anyway, it doesn’t need to be unfrozen for the time being.

How to Order a Replacement Debit Card from Bank of America

BOA Banking Fees | Cheese

Ordering a replacement debit card from Bank of America is actually quite easy. All you have to do is to log into your Bank of America online account or access your account via the Bank of America Mobile Banking app.

If you’re logging onto the online banking portal:

  • Click on Manage Debit Card
  • Follow the instructions on the screen.

If you’d like more assistance, you can also schedule an appointment at a financial center by calling 800-432-1000. They’re available Mon-Fri from 8 a.m.–11 p.m. or Sat-Sun from 8 a.m.–8 p.m. EST.

Your replacement debit card from Bank of America should arrive within 4-6 business days.

Are There Fees for a Bank of America Debit Card Replacement?

Bank of America charges monthly fees for quite a few things, including overdraft fees, wire transfer fees, and even monthly maintenance fees for certain accounts. But, are there any fees for ordering a Bank of America debit card replacement? 

Thankfully, no! There is no fee for a Bank of America replacement card. At least, there’s no fee for your first replacement card.

After your first BOA replacement debit card, you’ll be charged $5 per replacement card or $15 for a rush replacement (plus the regular $5 replacement fee).

Sign Up for a Debit Card with Fewer Fees

Bank of America might not charge a fee for your first replacement debit card, but they do charge other monthly fees that can add up if you’re not careful. At Cheese, we’d never do that. We’re dedicated to ensuring that our users pay $0 in monthly fees while enjoying other zero-fee perks such as no overdraft fees, no international wire fees, and no minimum balance fee.

Interested in a fee-free card that comes with $0 in monthly fees? Sign up today to receive your Cheese Debit Card that comes loaded with other perks such as savings opportunities and cashback.

Here's more about card replacement:

How to Get a Replacement Debit Card from Chase?

How to Get a Replacement Debit Card from Wells Fargo?