How to Cancel and Replace a Lost Bank of America Debit Card

Updated on August 17, 2015

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.

Walk into a branch to replace a debit card
Walk into a branch to replace a debit card | Source

Steps to Replace Your Debit Card Quickly

  1. Head to your local Bank of America branch. Be sure to bring your driver's license with you.
  2. Go to the new accounts department. Usually, this is quicker than waiting to see a teller.
  3. Tell them you lost your debit or ATM card.
  4. They will ask for ID.
  5. They will cancel your old card.
  6. 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.
  7. 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.
  8. 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:
Call 1-800-848-6090
If outside the US:
Call 1-315-724-4022
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

  • If I cancel my card through online banking can I then go to my local Bank of America and get a temporary card until a new one arrives?

    Yes, you can cancel it online or by calling the bank. Then go into the branch and get a temporary card. Just make sure you have proper ID when you go to the bank.

  • Can I use my student ID?

    No, you can’t use a student ID to replace an atm card.

  • 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 canceled and a new card sent over the phone.

  • What if your ID was stolen but you’re in a different state?

    If you lost your ID and you're out of state, call BofA and explain your situation. They have a process for verifying identity and to get you cash while traveling.

Let us know how you lost your debit card

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    • Paul Edmondson profile imageAUTHOR

      Paul Edmondson 

      14 months ago from Burlingame, CA

      If you have a passport, that should work for ID if your entire wallet has been lost. You may also head to the DMV to get a temporary ID that should work as well. Just to be safe, bring some other form of picture ID.

      You may also be able to withdrawal cash based on a signature match.

    • profile image

      Brunno 

      17 months ago

      Hi Paul!

      Upon receiving the new debit card will the old PIN work the same way or do they send a new one?

      Regards!

    • bodylevive profile image

      BODYLEVIVE 

      18 months ago from Alabama, USA

      I guess that depends on what bank is being used. I just made a call to my bank's customer service and everything was handled, never left the house.

    • Paul Edmondson profile imageAUTHOR

      Paul Edmondson 

      23 months ago from Burlingame, CA

      You should be able to call BofA, but if you can't go to the nearest branch immediately.

    • profile image

      Kath 

      23 months ago

      Please advise me how to cancel the debit card ? I sent immediately email to the customer service of bank of America at 2 weeks ago, no response from them so far

    • profile image

      Lisa 

      7 years ago

      Michael -- call BOA at 1-800-841-4000. They will answer 24/7. Tell them you lost your card. They'll cancel it and send you a new one. You won't get a temporary that way, but they won't be able to use your card either.

      I prefer bank -- this way you have a temporary card.

    • profile image

      michael e olmstead 

      7 years ago

      what to do on holiday when you lose your atm card and you know that someone is using it and no one at bank to assist you it is Sat and bank is not open till Monday they can clean me out and I can't stop them they have used my card twice already what to do

      mike

    • festersporling1 profile image

      Daniel Christian 

      8 years ago from Los Angeles, CA

      I've had to go through this. Accurate.

    • ocbill profile image

      ocbill 

      8 years ago from hopefully somewhere peaceful and nice

      sounds a lot safer than a credit card. Capital One cancelled by credit for no reason. I called after the merchant said you have no credit I said WTF, in a nicer tone though with a smile, and finally Cap One did not understand why it happened. in summary I was the 4th mistake they made with me in a month. Yup, a balance transfer to a responsible company coming.

    • gredmondson profile image

      gredmondson 

      8 years ago from San Francisco, California

      I lost my American Express credit card a few months ago. Within a few hours, three charges were made on it. All of those charges were removed from my bill, and a new temporary card was sent to me by 48 hours because I was not at my billing address. I was impressed by their service.

    • Paul Edmondson profile imageAUTHOR

      Paul Edmondson 

      8 years ago from Burlingame, CA

      I went through this process yesterday. The funny thing is I had a late night at work and when I got home it was late, so I decided to pick up dinner. When I was in the restaurant, the waiter walked over and said is this card yours. I laughed and told her I just canceled it.

    • dusanotes profile image

      dusanotes 

      8 years ago from Windermere, FL

      Thank you. Paul, for that straight forward Hub about what to do when we lose or damage a Bank of America ATM Visa card. I know it's not too hard, and the phone is our preferred way. Thanks again for your Hub. Don White

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