
Losing a Bank of America card can be frustrating, but don't worry, it's a common occurrence. You can easily recover and replace your card.
To start the process, visit the Bank of America website or mobile app to report your lost card. This will help prevent any unauthorized transactions and put a hold on your account.
You can also call the Bank of America customer service number to report your lost card. They're available 24/7 to assist you.
After reporting your lost card, you can order a replacement card online or by calling the customer service number.
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Reporting a Lost Card
If your Bank of America credit card is lost or stolen, you can report it online or by phone. To report it online, log in to your online account on Bank of America's lost or stolen cards page.
You can also call customer service at (800) 732-9194, or (757) 677-4701 if you're outside of the U.S. When prompted, say "lost credit card" and follow the prompts to be connected to a live representative.
Once you report your card as lost or stolen, Bank of America will immediately cancel it so that it can't be used, and they will send you a replacement.
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Reporting a Lost Credit

Reporting a lost credit card can be a stressful experience, but it's essential to act fast to minimize the risk of unauthorized transactions.
If you're a Bank of America credit card holder, you can report your card as lost or stolen online or over the phone. To do so online, log in to your account on Bank of America's lost or stolen cards page. If you prefer to call, dial (800) 732-9194 from within the U.S. or (757) 677-4701 if you're outside the country.
Once you report your card as lost or stolen, Bank of America will immediately cancel it to prevent further use. You can expect a replacement card to arrive within 10 business days, but you can also ask to have it expedited for an additional 1 to 3 business days.
It's worth noting that you won't be held liable for any fraudulent purchases made on your card after you report it as lost or stolen. Bank of America credit cards have a $0 liability guarantee for fraudulent transactions.
Curious to learn more? Check out: Lost Us Bank Credit Card

To report a lost credit card, follow these steps:
- Call the bank's customer service number or report it online as soon as possible.
- Follow up immediately in writing by sending a letter to the card issuer with your account number, the date and time you noticed your card was missing, and when you first reported the loss.
Remember to keep a copy of your letter and notes from calls with the bank or credit union.
Report Loss or Theft
You should report your lost or stolen card immediately to minimize potential losses.
Federal law says you're not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. It's essential to act fast, as waiting may result in liability for some or all of those charges.
Call your bank or credit union's customer service number as soon as possible to report the loss. Most banks provide 24/7 customer support. You can also report the loss through your mobile app or online account.
To ensure you're protected, follow up immediately in writing by sending a letter to the card issuer, including your account number, the date and time you noticed your card was missing, and when you first reported the loss.

Here's a summary of your liability limits:
Keep in mind that most banks won't request you to pay even the maximum liability limit. Nonetheless, it's crucial to check with your bank about their specific policy.
Replacing a Lost Card
Replacing a lost card is a relatively straightforward process with Bank of America. You can report a lost card online by logging into your account on Bank of America's lost or stolen cards page. Alternatively, you can call customer service at (800) 732-9194.
To get a replacement card, you can log in to your Bank of America card's online account and follow the prompts to order a new or replacement card. You can also use the mobile app to request a replacement card. If you're outside of the U.S., you can call (757) 677-4701 instead.
Once you report your card as lost or stolen, Bank of America will immediately cancel it and send you a replacement card by mail. You should get your replacement card within 10 business days, but you can also ask to have it expedited for an additional 1 to 3 business days.
Alternative Replacement Options

Replacing a lost card can be frustrating, but fortunately, Bank of America offers several alternative replacement options. You can log in to your online account and follow the steps to order a new or replacement card.
If you're more comfortable using your mobile device, you can also request a replacement card through the Bank of America mobile app. To do this, simply log in and tap the "Accounts" tab, then select the "Manage card settings" menu and click the link to order a new or replacement card.
Or, if you'd rather not use a computer or mobile app, you can call customer service at 1 (800) 732-9194. Be prepared to provide any personal information requested to verify your identity.
Reasons to Cancel a Debit
If you've lost your debit card, it's likely time to cancel it. This will prevent any unauthorized transactions from taking place.
You might be wondering why you need to cancel a debit card if you've already reported it lost. The main reason is to prevent thieves from using it to make purchases or withdraw cash.
Here are some reasons to cancel a debit card:
- It's lost
- It's stolen
- You never use it
- You're closing your account
Canceling a debit card is a straightforward process. You can usually do this by contacting your bank's customer service department and providing some basic information about your account.
Protecting Your Card

If you've lost your BofA debit card, it's essential to act quickly to minimize any potential damage. Immediately contact your bank to report the missing card.
To protect your card, avoid using sketchy websites and public Wi-Fi networks, as this can put your card at risk of being compromised. Use your debit card only when connected to secure private networks and on trusted websites with an "https" prefix and a valid SSL/TLS security certificate.
Regularly check your transaction history to detect any unusual activity. You can do this by logging into your account online or through the banking app. Most banks provide 24/7 customer support, so don't hesitate to reach out if you notice anything suspicious.
To add an extra layer of security, enable two-factor authentication and transaction alerts via text or email. This way, you can quickly detect any unusual activity and report it to your financial institution.
If you're concerned about carrying a physical card, consider connecting your account to a digital wallet like Google Pay or Apple Pay and pay contactless using your phone. Alternatively, you can use a virtual card like the Privacy Card, which masks your real account information when you transact.
Here's an interesting read: How to Pay off Credit Cards with Other Credit Cards

Here's a comparison of the different plans offered by Privacy:
If you do need to replace your card, you can request a new one from your bank. You may also need to write a formal letter to the bank manager as part of the fraud investigation process.
Limiting Losses and Theft
If your Bank of America card is lost or stolen, you're protected by federal law. You're not responsible for charges you didn't authorize if you report the loss before someone uses your card.
To limit your losses, report your card's loss as soon as possible. If you report your ATM or debit card lost or stolen, your maximum loss is zero if you report it before any unauthorized charges are made.
Here's a breakdown of what you might owe depending on how quickly you report your lost or stolen card:
You should also follow up in writing by sending a letter to the card issuer, including your account number, the date and time when you noticed your card was missing, and when you first reported the loss.
Contact Financial Institution

Contact your bank immediately if you've lost or stolen your BofA debit card. This is because debit cards don't have the same fraud protections as credit cards.
You might end up being responsible for some or all of the charges made before you reported the card missing. This can be up to $50 if you report it within two business days and up to $500 if you report it within 60 calendar days.
You can cancel your debit card quickly by using your bank's mobile app. If you can't use the app, call customer service ASAP.
It's also possible to cancel your card by going to the bank in person, but this isn't the most efficient option.
Check this out: How to Cancel My Discover Card on Misplaced Card
Frequently Asked Questions
What is the number for Bank of America 1 800 432 1000?
The main customer service number for Bank of America is 1-800-432-1000. You can also visit their website at www.bankofamerica.com for additional contact information and support.
Sources
- https://wallethub.com/answers/cc/bank-of-america-lost-credit-card-1000283-2140667216/
- https://wallethub.com/answers/cc/bank-of-america-replacement-card-2140749985/
- https://consumer.ftc.gov/articles/lost-or-stolen-credit-atm-and-debit-cards
- https://privacy.com/blog/can-you-track-a-debit-card
- https://www.businessinsider.com/personal-finance/banking/how-to-cancel-a-debit-card-lost-stolen
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