If a Bank of America ATM suddenly keeps your debit or credit card, don’t panic—you’re not alone. BOA ATMs occasionally retain cards for security reasons, and knowing what steps to take can save you time, stress, and potential fraud risks. This guide explains why it happens, what to do immediately, and how to prevent it from occurring again.
Why Do Bank of America ATMs Keep Cards?
Bank of America ATMs may retain cards for several reasons:
- Incorrect PIN entries – too many failed attempts trigger security protocols.
- Card expiration – expired cards are often retained automatically.
- Suspected fraud – BOA systems may flag unusual transactions.
- User delay – leaving your card in the machine for too long can cause it to be pulled in.
- Mechanical error – rare, but card readers sometimes malfunction.
Steps to Take Immediately
- Stay calm and don’t leave the ATM right away. Look for help instructions posted on the machine.
- Call Bank of America’s customer service (1-800-432-1000). Report that your card has been retained, provide the ATM location, and follow their instructions.
- Freeze your card temporarily using the BOA mobile app or online banking. This prevents unauthorized use if the card isn’t recovered immediately.
- Request a replacement card if BOA cannot release the card. They typically issue and mail a new card within 3–5 business days.
Can You Get the Card Back?
Whether you can retrieve your card depends on the ATM type and location:
- Branch ATMs: Cards may be retrieved by staff if reported quickly.
- Standalone/retail ATMs: Cards are usually destroyed for security, and BOA issues a replacement.
- After-hours: Cards are typically secured in the machine until a technician services it.
Tip: If you frequently withdraw at odd hours, consider using Bank of America ATMs near you located inside branches or well-lit retail stores for added safety.
Preventative Measures
- Always remove your card promptly after a transaction.
- Check expiration dates before traveling or making large withdrawals.
- Monitor your accounts regularly for unusual activity.
- Consider using BOA withdrawal and deposit limit settings to manage your risk exposure.
FAQs: Bank of America ATM Card Retained
Why did the ATM take my card?
Common causes include incorrect PIN entries, expired cards, or suspected fraud alerts.
Can I get my card back the same day?
If the ATM is at a branch during banking hours, possibly yes. Otherwise, BOA typically issues a replacement card.
Should I freeze my card if it’s stuck?
Yes. Freezing the card immediately prevents any unauthorized charges until the issue is resolved.
Final Thoughts
Having your card retained at a Bank of America ATM can be unsettling, but the key is to act quickly and follow BOA’s procedures. Contact customer service right away, freeze your card, and request a replacement if needed. With a little preparation, you’ll minimize stress and keep your finances secure.