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What happens when you cancel a debit card?

Can Bank of America cancel my debit card since I ordered a new one - before I received and activated it?

  • I have had a checking account with Bank of America for 4 years now. A few days ago, I ordered a new rewards debit card (I still have the old one in my possession). I have not received the new card yet. Today, I made 2 purchases on my old debit card. I went to a store 20 minutes after making a purchase, and suddenly I received the error of: "Not Authorized." I called BofA, and they said that since they would not allow 2 debit cards on one account, they deactivated my card - before I received or activated the new card. This all came to light after 1 pm on a Saturday - after their banking centers were closed, so I couldn't go get a temporary card. Basically they have locked me out of my account for 2 days. Is this legal? It's certainly idiotic that they would do this, but is it illegal to basically lock me out of my own account? Do I have any legal actions that I can take against them?

  • Answer:

    Yes they can and most if not all banks do. I ran into something similar with my bank I had not received my new card and my old one was do to expire in a few days. they said I could wait to see if it came in or they could send me another one 2nd day mail. I then asked (they did not tell me this first) if i did the 2nd day mail would my current one be canceled and the answer was yes so I waited and my card did come the day my other one expired. Also technically this does not lock you out of your account unless you don't have checks in that case your out of luck for 2 days but as far as I am aware its not Illegal to do that. I don't blame you for being upset It would have been nice if they informed you what they were going to do before they did it so you could grab some money out of the atm but banks rarely warn people of such things.

Stacie M at Yahoo! Answers Visit the source

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Other answers

You are not locked out of your own account. You can write a check or make a withdrawal at the bank. It is perfectly legal for the bank to terminate the old card when sending your a replacement. It's a security feature and protects you. A scammer could easily order a second card and you'd never know.

bdancer222

Bank of America did nothing illegal so you cannot take any legal actions against them. When you order your new card, your current card should be good until you activate the new one. If you went and got a temporary card at the banking center it would ruin the card you just ordered anyway. You just have to wait for your new card to arrive.

Mac

It's perfectly "legal." Why did you request a replacement card if you didn't need one? Your account is not "locked." You can still write checks. It's YOUR fault if you didn't bother to order checks before this.

Woof

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