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Debit card fees
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Are there any fees for using an ATM?
There are no fees for Bank of America customers using one of thousands of Bank of America ATMs in the United States to transfer funds, make deposits, inquire about a balance and withdraw cash. Find a Bank of America ATM
Fees may be assessed when Bank of America customers make withdrawals, transfers and balance inquiries from ATMs at other financial institutions. A fee may also be charged by the ATM operator or any network used for the transaction. You also may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
Other account fees may apply to the transaction such as a withdrawal limit fee. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details.
Are there any transaction fees for using my 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. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details.
Digital Debit Cards
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What is a digital debit card?
A digital debit card is a temporary solution you can request through the Bank of America Mobile Banking app while you’re waiting for a new or replacement debit card to arrive in the mail. It can be used to make ATM transactions and purchases in stores or online. This digital version of your debit card has the same 16-digit number as your new plastic card, but has a temporary CVV and expiration date.
How do I access and use my digital debit card?
Log into the Bank of America Mobile Banking app, access the Manage Card Settings page and select Get my Digital Card. Then, tap the new digital card image to reveal the card number, CVV code and expiration date. Enter these numbers at checkout when shopping online.
You can also add your card to a digital wallet (Apple Pay, Samsung Pay, etc.) and use it at any Bank of America ATM that accepts cardless transactions, as well as merchants that accept contactless digital payments.
When will my digital debit card expire?
Your digital card expires when you activate the plastic card, or on the last day of the month following the one in which it was issued. Activate your plastic card as soon as it arrives. Once your digital card expires, it is no longer available to use.
You can always view your expiration date by visiting the Manage Card Setting page in the mobile app and tapping on the digital debit card image.
Can I add a digital debit card to my digital wallets?
Yes. On the Manage Card Settings page in the mobile app, simply tap the add to wallet button of your choice. When you activate the new plastic card, your card information will be updated automatically in the digital wallet.
Debit card authorization, pending and final transaction amounts
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What is an authorization?
When you use your debit card to make a purchase, the merchant will request an authorization (or approval) for the transaction. An authorization confirms that your account is open and active and that there are enough funds available to cover the purchase amount at the time of the request.
The purchase amount sent by the merchant for authorization varies by merchant type. Many merchants request an authorization for the exact purchase amount, but some merchants may send an authorization request for a nominal amount such as $1 or an estimate that is more or less than the actual purchase amount. The authorization hold amount reduces your available balance and will remain on the account up to 3 business days when your debit card is swiped or inserted in person, or up to 5 business days when used for an internet, phone or mail order transaction.
When the transaction is presented to the bank, the actual purchase amount is deducted from your account. Some internet, phone and mail order merchants send items in multiple shipments. When this happens, a single authorization is placed on the account and the authorization hold amount is reduced as each item ships. The hold will remain on the account up to 5 business days or until the authorization amount is reduced to $0, whichever occurs first.
When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart.
What could cause a pending transaction or authorization amount to be different from my final or actual purchase amount?
A pending transaction or an authorization amount may vary from the final or actual purchase amount in situations where there is an estimated authorization amount or a tip is involved. 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?
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).
Other debit card questions
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How is a debit card different from a credit card?
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.
What is an affinity debit card?
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 800.432.1000 (Mon-Fri 8 a.m.–11 p.m. or Sat-Sun 8 a.m.–8 p.m., all times ET). Outside the U.S. call 1.315.724.4022 (international collect; cell phone roaming charges may apply).
What is a chip card?
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
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FAQs
Debit Card FAQs: Activate Your Card or Change Your Pin
Debit Card FAQs: Activate Your Card or Change Your PinSelect Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location. | Debit card fees Show all answers Are there any fees for using an ATM? There are no fees for Bank of America customers using one of thousands of Bank of America ATMs in the United States to transfer funds, make deposits, inquire about a balance and withdraw cash. Find a Bank of America ATMFees may be assessed when Bank of America customers make withdrawals, transfers and balance inquiries from ATMs at other financial institutions. A fee may also be charged by the ATM operator or any network used for the transaction. You also may be charged a fee for a balance inquiry even if you do not complete a funds transfer.Other account fees may apply to the transaction such as a withdrawal limit fee. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details. Are there any transaction fees for using my 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. Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for complete details. Digital Debit Cards Show all answers What is a digital debit card? A digital debit card is a temporary solution you can request through the Bank of America Mobile Banking app while you’re waiting for a new or replacement debit card to arrive in the mail. It can be used to make ATM transactions and purchases in stores or online. This digital version of your debit card has the same 16-digit number as your new plastic card, but has a temporary CVV and expiration date. How do I access and use my digital debit card? Log into the Bank of America Mobile Banking app, access the Manage Card Settings page and select Get my Digital Card. Then, tap the new digital card image to reveal the card number, CVV code and expiration date. Enter these numbers at checkout when shopping online.You can also add your card to a digital wallet (Apple Pay, Samsung Pay, etc.) and use it at any Bank of America ATM that accepts cardless transactions, as well as merchants that accept contactless digital payments. When will my digital debit card expire? Your digital card expires when you activate the plastic card, or on the last day of the month following the one in which it was issued. Activate your plastic card as soon as it arrives. Once your digital card expires, it is no longer available to use.You can always view your expiration date by visiting the Manage Card Setting page in the mobile app and tapping on the digital debit card image. Can I add a digital debit card to my digital wallets? Yes. On the Manage Card Settings page in the mobile app, simply tap the add to wallet button of your choice. When you activate the new plastic card, your card information will be updated automatically in the digital wallet. Debit card authorization, pending and final transaction amounts Show all answers What is an authorization? When you use your debit card to make a purchase, the merchant will request an authorization (or approval) for the transaction. An authorization confirms that your account is open and active and that there are enough funds available to cover the purchase amount at the time of the request.The purchase amount sent by…
Request & Replace Your Debit Card After Loss or Damage
Request & Replace Your Debit Card After Loss or DamageRequest a replacement for your missing, stolen or damaged Debit cardOrder a replacement card using your mobile phone. Sign into the Mobile App, select Menu from Options bar then Manage Debit/Credit Card. Once you found the right card, select Replace and continue to follow the prompts. (See the Personal Schedule of Fees for replacement card costs)Need your Debit Card Sooner? Pay with digital card for debit before your plastic arrives!You now have immediate access to your money with our digital card for debit, available in our Mobile Banking app.No need to wait for plastic replacement debit card to arrive in mail – start using your digital card immediatelyYou can shop in person or online, or even get cash from a Bank of America ATMIt’s fast, easy and secureShow me how to replace & access my digital card for debit on the mobile app
>0:45In this video we gonna talk about how to change Bank of America debit card pin.YouTube · Interesting To Know · Feb 4, 2022
How to Change Your Bank of America Visa PIN – PocketSense
How to Change Your Bank of America Visa PIN Most people rely heavily on their Visa credit or debit cards to access cash or credit. Although not done frequently, you should be aware of how to change the PIN (personal identification number) on your Bank of America Visa card if you have one. Knowing how to change your PIN in a variety of ways is part of managing your credit and keeping your card safe from fraudulent activity. You can manage your Bank of America PIN with or without your card. Call for the PIN Whether you lost your current PIN or you simply forgot which number you selected when you set the card up, you can call Bank of America’s Financial Center at 1-800-432-1000 between the hours of 8 a.m. and 11 p.m. every Monday through Friday or between 8 a.m. and 8 p.m. on Saturday and Sunday. Let the customer service representative know that you need a reminder for your PIN and he or she will promptly mail the reminder to you. Visit Your Local ATM The next time you are near your Bank of America ATM, insert your card into the machine. From the main screen you’ll need to press “More Options,” and then you’ll see the “Change PIN” button. You’ll be asked to type in your old PIN and then the digits you’d like for your new PIN. Use Bank of America’s Website You can change your PIN securely by logging onto your account through the Bank of America website. To do this, you’ll need your online ID and passcode. Once in your online portal you’ll see the “Reset your PIN on card” option. Simply click that link and follow the prompts to choose a new PIN for your Visa card. Download BOA’s Mobile App Both Android and iPhone users are welcome to download Bank of America’s mobile app. After the mobile app is installed on your phone, you can log in and locate the link that allows you to request a new PIN. Visit a BOA Branch Go to a local Bank of America bank branch and request a PIN change from the teller or customer service representative. The local branch has access to your information to change your PIN and enable you to properly assign a new code. Be careful not to disclose the PIN you are selecting to anyone, or to say the number out loud to the teller when other customers are present in the bank.
How do you get a Bank of America credit card PIN? – WalletHub
How to Get a Bank of America Credit Card PIN There are a few ways to get a cash advance on a credit card without a PIN. The easiest way to withdraw cash from a credit card without a PIN is to visit a bank that does business with your credit card company, ask the teller for a cash advance, and present your card along with a government-issued photo ID. You could also ask your credit card’s issuer for so-called … read full answercredit access checks, which you can then use to withdraw cash from your credit line.The other ways to get a cash advance on a credit card without a PIN are to purchase a money order from the likes of MoneyGram or Western Union, or link your credit card account to a service such as Amazon Pay. Alternatively, using an app such as Venmo, PayPal or Cash App can also help you pay people and businesses that can’t accept credit cards directly. Those services often charge a fee for using a credit card, but the transaction may actually be processed as a payment rather than a cash advance.To get a cash advance with a credit card at an ATM, however, you need a PIN. But getting one is easy. If you didn’t create a PIN when you activated your card, you should be able to call customer service, choose your number and get it set it up right away. Some issuers, such as Bank of America and Discover, also let you set a PIN online.Whether or not you use a PIN, you’ll want to be careful about cash advances. They typically charge high interest rates and a 2%-5% fee. Plus, there’s no grace period, so interest starts accruing as soon as you complete the transaction. But unforeseen circumstances arise for everyone, so here are your options if you need cash but don’t have a PIN.Here’s how to withdraw cash from a credit card without a PIN: Bank teller: You can get a cash advance without a PIN at a bank branch, but you’ll need both your credit card and a government issued photo ID like a driver’s license or passport. Access checks: If your credit card issuer has sent you access, or convenience, checks, you can use them to withdraw cash at any bank that accepts them. Access checks are blank checks that draw on your credit line rather than your checking account. Some issuers send access checks without being asked, but you can also request them by calling customer service. Keep in mind that access checks are subject to the same high APRs and lack of grace periods as cash advances. Money-transfer service:You can buy a money order with a credit card from a service such as Western Union or MoneyGram. This would allow you to transfer funds to a recipient using just a phone number or email address. It won’t give you cash on the spot, but it could make it possible to ultimately spend part of your credit line in cash if you transfer the money to the right person. The transaction likely will be treated as a cash advance, however. Digital payment service: Apps such as PayPal, Venmo and Cash App allow you to make payments from a linked credit card account. That could remove the need to withdraw cash altogether, though these services usually charge a fee. The transaction may or may not be considered a cash advance, too, depending on the service and the credit card. Similarly, you can link a credit card to an Amazon Pay account and pay a merchant that way. The merchant needs an…