If your debit card is damaged, lost, stolen, or never arrived, Bank of America makes it easy to request a replacement directly through its mobile app. Knowing the correct replacement reason is important because it determines whether you keep your current card number or receive a new one. Here’s everything you need to know to replace your Bank of America debit card.
How to Replace Your Bank of America Debit Card in the App
To replace your Bank of America debit card, open the Bank of America mobile app and follow these steps:
- Tap Menu in the top-left corner.
- Scroll down to the Bank of America section.
- Select Manage Debit Card.
- Under your card, tap Replace.
- Choose the reason for requesting a replacement.
- Review the details and submit your order.
The replacement card will typically arrive within four to six business days.
Choose the Correct Replacement Reason
When you replace your Bank of America debit card, the reason you select affects whether your card number stays the same or changes.
Available reasons include:
- Lost
- Stolen
- Damaged
- Card not received
- Captured by ATM
- Name change
This choice is important because some situations require a completely new card number, while others allow you to keep your existing number.
When You Get a New Card Number
If your card is lost or stolen, Bank of America issues a new debit card with a completely new number. This helps protect your account if someone else may have access to your card information.
However, getting a new card number means you will need to update:
- Subscription services
- Automatic bill payments
- Online accounts that store your debit card information
When you replace your Bank of America debit card because it is lost or stolen, expect to spend some time updating any services connected to the old card.
How to Keep Your Existing Card Number When You Replace Your Bank of America Debit Card
If your card is damaged but has remained in your possession, selecting Damaged allows you to keep the same card number. Bank of America simply sends you a new physical card.
The same generally applies to reasons such as:
- Card not received
- Captured by ATM
- Name change
Since these situations are not considered security threats, your current card number usually remains active. This means your subscriptions and automatic payments continue without interruption.
If you want to replace your Bank of America debit card without changing your account information, choosing the appropriate reason can save you from having to update multiple services.
Review Your Replacement Request
Before placing your order, Bank of America displays a review screen containing:
- The account linked to the card
- The cardholder’s name
- The mailing address
- The card being sent
- Any applicable fees
- Estimated delivery time
Take a moment to verify that your mailing address is current. If you’ve recently moved, update your address before submitting the request to avoid having your replacement card delivered to the wrong location.
Is There a Fee to Replace Your Bank of America Debit Card?
Standard replacement cards are free. There is no charge for a regular replacement request, and delivery is typically estimated at four to six business days.
After reviewing everything, simply tap Place Order, and your replacement card will be on its way.
Final Thoughts
The Bank of America app makes it simple to replace your Bank of America debit card in just a few minutes. The most important step is selecting the correct replacement reason, since this determines whether you receive a new card number or keep your existing one. Once your request is submitted, you can expect your new card to arrive in about a week.
