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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

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