Can you reactivate a cancelled debit card

The reason why debit cards are unable to be reactivated once they have been found is that it can be quite a common tactic for someone who has stolen a debit card to attempt to reactivate it once it has been stolen. When a debit card is cancelled it is usually automatically replaced, and the replacement takes between one and four working days to arrive.

When the replacement arrives then it is a good idea to ensure that the card is activated as otherwise it will be unable to be used either as a debit card or as an ATM card. This is to stop a card being used by a person who has stolen the envelope with the card in, something that used to be a common problem before the activation of the debit cards was brought in.

If there is a new pin number for the card this will usually arrive separately by mail. Use online banking or a mobile app to keep an eye on your checking account on a daily basis. Take action if you come across any suspicious transactions.

Bank of America read review. Bank of Internet read review. Capital One read review. Citibank read review. Charles Schwab read review. Chase read review. Discover read review. PNC Bank read review. TD Bank read review. Wells Fargo read review. Read what to do if you lose your debit card while overseas.

How lock and cancel works. Lock your card temporarily Easily put a temporary lock on your lost card for up to 15 days using Internet or Mobile Banking to make sure your account is safe. Report your card lost or stolen If you've lost your card for good, report it lost or stolen to immediately stop all transactions on your account and request a new card to be reissued.

Important information Card lock will temporarily stop all future card transactions on a Visa debit or personal credit card for 15 days, unless you reactivate or cancel your card earlier. 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. 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.

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.

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:. 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.

Schedule an appointment at a financial center to review and discuss the error, or call us at Please refer to the Personal Schedule of Fees and the disclosure information that accompanied your card for other fees that may apply. 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.

You may link up to 15 eligible accounts to your debit card by scheduling an appointment in a financial center or calling us at Find a financial center near you. 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 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. Please enter the zip code for your home address so we can give you accurate rate and fee information for your location. You are using an unsupported browser version. Learn more or update your browser. Debit Card FAQs. View questions about:. Get all FAQs». View all deposits FAQs. Select Your State Please tell us where you bank so we can give you accurate rate and fee information for your location. Expand all panels Expand all panels Collapse all panels.

Show all answers How do I order a debit card? Enroll in Online Banking today On your mobile device If you're on a mobile device, Sign in to the mobile app to order a new or replacement card.

Get the app Contact us Schedule an appointment at a financial center or call How do I replace my debit card? Enroll in Online Banking today On your mobile device If you're on a mobile device, Sign in to the mobile app to replace your debit card Get the app Contact us Schedule an appointment at a financial center or call How do I activate my debit card? Enroll in Online Banking today On your mobile device If you're on a mobile device, Sign in to the mobile app to activate your card Get the app Use your card Using your new debit card with your current PIN to make a purchase or at any Bank of America ATM will automatically activate your card.

Contact us Schedule an appointment at a financial center or call How do I temporarily lock my debit card? Show me how to lock a card in Online Banking Show me how to lock a card on the mobile app Not enrolled in Online Banking?