You have probably applied for or gotten a debit card from Bank of America. Even if you are yet to start with the process, I understand that activating the debit card can be a challenge to you if you do not know how to go about it.
The question is how to activate Bank of America debit card?
The process of activating your Bank of America debit card is an easy one. You can activate your card via a phone call. You can also activate it using the bank’s mobile app or at an ATM. Continue reading to learn precisely how to activate the Bank of America debit card.
Activating Your Debit Card
There are several options available to you when you seek to activate your debit card. The option you seek to explore will depend on your choice and convenience. However, you must understand the various options at your disposal and how each works.
Using Your Mobile Device To Activate Your Debit Card
One of the easiest ways to activate your debit card is with your mobile device. With this option, you don’t have to worry about walking to the bank or an ATM. From the comfort of your device anywhere you are, you can activate your card.
To activate your debit card using this method, you have to download the mobile app of the Bank of America. That is if you don’t have it already. The next step is to sign in and use the menu to activate your debit card.
The app works perfectly with mobile devices such as android, windows 10, iPhone, and iPad. Asides from activating your card, there are a lot of other things you can do with the mobile app of Bank of America.
Using An ATM To Activate Your Debit Card
Apart from using your mobile device, you can also activate your card using the Automated Teller Machine (ATM). When you use your card at a Bank of America ATM or use it for any purchase, once you fill in your pin, it automatically activates itself.
Activating Your Debit Card Via A Phone Call
Activating your debit card is as easy as picking up your phone, dialing a number and making a call. This process is so convenient and saves you a lot of stress. All you need to do when utilizing this option is to call the customer service line of the bank. Before the activation of your card via a phone call, you will have to verify your identity and answer the necessary questions satisfactorily. Once you satisfy all the requirements for the activation of your card, the activation takes place immediately.
Using The Online Banking Option To Activate Your Debit Card
The website of the Bank of America is a secured site that you can use to carry out all forms of online transactions with the Bank of America. Activating your debit card is one of the transactions you can carry out on the site.
Before you can go ahead to activate your debit card that the Bank of America issued, you must have an account on its portal for online banking. It means that if you are yet to have an account on the portal, you will have to create one before you can proceed with the activation process.
After you have created your account, the next step is for you to log into the portal. You cannot log in without your Online ID and your passcode. Thus, it is essential that you keep your login details safe and do not share with others. The moment you log in, you can activate your debit card.
Do People Often Experience Difficulty During Card Activation?
Like all other banking activities, there is a tendency for people to experience difficulties while trying to activate their Bank of America debit card. However, these challenges are rare as the activation process is simple and relatively hitch-free. Where you experience difficulty, contact the bank’s customer service representatives.
Applying For A New Debit Card
It is a common phenomenon for people to lose their bank cards. At other times, somebody must have stolen your card, and you need a replacement. Whether or not you are trying to get a debit card for the first time, there are processes involved.
Where your card is lost or stolen, you will have to notify the bank of the incidence. It will enable them to be aware of the loss or theft of your card and deactivate it immediately. Where the bank is unable to do this on time, your card might be at the risk of whoever has it, and such a person can empty your bank with little or no effort.
You cannot get a debit card either as an old or new customer to the Bank of America until you apply for it. You apply for a debit card by requesting one either as a new card or as a replacement to one that was damaged, lost, or stolen.
You can request for a debit card on your online banking portal. The first step towards this is to log into your account. After this, you can use the menu to request for the replacement of your damaged, lost, or stolen debit card. In this case, the bank will send your debit card via mail, and it will be ready for your activation and use.
You can also request a debit card from the Bank of America by logging into the bank’s mobile app on your mobile device. You can as well call their customer service representative on the phone and request a new debit card.
You should note that you cannot apply for a debit card if you do not operate a checking account with the bank. The beauty of having a Bank of America debit card is that you can customize the design on your debit card according to your taste. It is a way to make a statement and let your personality shine through, every single time you use the card for one activity or another.
What Are The Uses For My Bank Of America Debit Card?
There are several purposes for which one can use a debit card. In all such circumstances, the use of the card makes these transactions more accessible and more convenient for you. It saves you the stress to walk into the banking hall for all manner of transactions.
Debit cards allow you to access and manage your account easily from any part of the world that you find yourself. You can conduct several transactions using your card and the details on it. It is useful for checking your account balance, requesting for a particular bank service, transfer funds from one person to another, and monitor all your transactions in one place.
With a debit card, shopping has become increasingly easier for bank customers who would instead prefer to carry a card than to be taking so much cash around as they embark on shopping and other recreational purposes. Thus, the debit card is a great way to make payments for purchases, primarily when it consists of a series of small purchases. When using a debit card for purchases, you eliminate the issue of not having the right change. It is because, with a debit card, you can deduct precisely the total amount of the purchase from your bank account without having to worry about making change.
Is The Process Different When Activating A Credit Card?
The process for activating your debit card is not different when you intend to activate your credit card. All that you know about how to activate Bank of America debit card applies to a credit card. The processes of applying for the card via a phone call, on the online portal, using the mobile app, or an ATM are also relevant when you intend to activate your credit card.
Does Using A Debit Card Attract Transaction Charges?
Ordinarily, the Bank of America does not charge your account for purchases you make. However, there could be deductions by merchants who charge fees like VAT, POS charge, etc. when you make your purchases with them.
You Need A Checking Account
Like we mentioned earlier, to apply or request a debit card, you must hold and operate a checking account with the Bank of America. You can initiate the creation of your account on the online banking portal of the Bank of America. You will need to provide all the necessary information and documents required and choose the kind of account service you need. When the account is approved, and the bank has created your account, you can now request a debit card.
Conclusion
It is no longer in doubt that the debit card the Bank of America issues to its customers is an important piece that is useful in their daily lives and for all their transactions with the bank. To have read to the end, we are convinced that you know how to activate Bank of America debit card and can be able to do it yourself.
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