How to Cancel and Replace a Lost Bank of America Debit Card
Lost Bank of America Visa Debit Card
If your Bank of America (B of A) debit card is stolen or lost, it's easy to cancel and replace it. They'll even give you a temporary card while you wait for the new card to arrive. This is how I replaced my lost debit card.
Steps to Replace Your Debit Card Quickly
- Head to your local Bank of America branch. Be sure to bring your driver's license with you.
- Go to the new accounts department. Usually, this is quicker than waiting to see a teller.
- Tell them you lost your debit or ATM card.
- They will ask for ID.
- They will cancel your old card.
- Next they will give you a temporary card that is good for 30 days. That should be long enough for your new card to arrive in the mail.
- You'll need to activate your temporary debit card at an ATM machine in the bank. The temporary card has the same PIN as your old card.
- They will send you a new card in the mail.
I got in and out of the bank with my temporary debit card in five minutes. It was a lot more convenient than waiting 30 days to get one in the mail. The temporary ATM/Debit card will work just like your old card. I used it at a store after activating it at the bank, just to make sure it would work. It did!
If You Are a B of A Customer and Can't Get to a Branch:
If you are in the US:
If outside the US:
If you have Online Banking:
Report the loss or theft online
Other Banks May Replace Debit Cards In Branch Offices
Chase says it will replace your debit card on the spot if you visit a branch. Other US banks may offer this service, like B of A, without making a public announcement about it.
Many banks, in many states, charge a fee for replacing a card.
If You Think Your Card Was Stolen...
If you think your card was stolen, or you think someone else has been using it, don't keep quiet; call your bank immediately, or if you are an online customer, report it online. If you report a missing card within 2 days, your eventual losses are limited to $50; if within 60 days, they are limited to $500. But in the meantime, a thief can drain your account, including any overdraft protection.
If you notice unauthorized debit charges on a statement and report them within 60 days, B of A will get back to you with a form to fill out saying you did not authorize the charges. Fill out the form and your chances of recovery are good.
Questions & Answers
what if my ID (drivers license) was also stolen?
If your ID was stolen, go to the DMV and get a temporary ID. You will need a birth certificate for that. Then go to the bank. You can also often get a card cancelled and a new card sent over the phone.