How to change pin for bank of america debit card

How to change pin for bank of america debit card is a crucial aspect of maintaining the security of your financial assets. In an era where digital threats are ever-present, understanding the mechanisms to safeguard your accounts is not merely a convenience but a necessity. This guide delves into the straightforward processes and essential considerations for updating your Bank of America debit card PIN, empowering you with the knowledge to protect your hard-earned money.

From bolstering your account’s defenses against unauthorized access to adapting to new security protocols, the ability to change your PIN is a fundamental tool in your personal finance arsenal. We will explore the various methods available, the prerequisites for a successful change, and how to navigate potential hurdles, ensuring your financial security remains robust and up-to-date.

Understanding the Need to Change Your Bank of America Debit Card PIN: How To Change Pin For Bank Of America Debit Card

The Personal Identification Number (PIN) associated with a Bank of America debit card serves as a critical security credential, authenticating transactions and safeguarding account access. While often a static element of card usage, circumstances frequently arise that necessitate its modification. Proactively managing this security code is a fundamental aspect of personal financial security, mitigating potential risks and ensuring the integrity of sensitive financial data.Regularly updating a debit card PIN is a proactive security measure that significantly enhances the protection of financial assets.

This practice acts as a deterrent against unauthorized access, particularly in scenarios where card information might be compromised. By introducing a new, unique PIN, any previously exposed codes become obsolete, rendering them useless to malicious actors. This strategic update cycle is a cornerstone of robust personal cybersecurity in the context of financial transactions.Several common scenarios can trigger the need to change a Bank of America debit card PIN, each stemming from a desire to maintain or re-establish a secure financial environment.

These situations range from perceived security breaches to routine preventative maintenance of personal financial data.

Reasons for Changing a Bank of America Debit Card PIN

The decision to alter a debit card PIN is often driven by a confluence of security concerns and practical considerations. Maintaining the confidentiality of this four-digit code is paramount to preventing financial fraud and identity theft.Common justifications for modifying a Bank of America debit card PIN include:

Suspected Compromise of Card Information: If a cardholder believes their debit card number, expiration date, or PIN may have been inadvertently disclosed or accessed by an unauthorized individual, changing the PIN is an immediate and effective countermeasure. This could occur through phishing scams, unsecured online transactions, or physical loss of the card.
Routine Security Practice: Many security experts recommend periodically changing PINs, much like passwords, as a proactive security measure. Even without specific evidence of compromise, regular updates reduce the window of opportunity for an attacker if older, potentially exposed PINs are still in use. A suggested frequency for such updates can range from every six months to annually, depending on individual risk tolerance and the perceived threat landscape.
Memorability Issues: While not strictly a security breach, if a cardholder finds it difficult to remember their current PIN or has used a PIN that is easily guessable (e.g., birthdate, sequential numbers), changing it to a more secure and memorable code is advisable. A strong PIN is random and not easily deducible.
Shared Access or Observation: If there is any suspicion that someone else has observed the PIN being entered, or if the card has been in the possession of another individual for an extended period, a PIN change is a prudent step. This includes situations where the card might have been briefly misplaced or accessed by a family member who should not have knowledge of the PIN.
Bank-Initiated Notifications: In rare instances, a bank might advise or require a PIN change due to systemic security concerns or specific account-related issues. Following such directives is crucial for maintaining account security.

Security Benefits of Regular PIN Updates

The periodic alteration of a debit card PIN provides a significant layer of defense against unauthorized financial activity. This practice is a fundamental component of safeguarding personal financial data in an increasingly digital world.The primary security benefits derived from regularly updating a Bank of America debit card PIN are:

Mitigation of Data Breach Impact: In the event of a data breach at a merchant or service provider where card details were compromised, an updated PIN renders any previously stolen PIN information obsolete. This effectively neutralizes the risk associated with the compromised data for future transactions.
Prevention of Brute-Force Attacks: While less common for debit card PINs compared to online passwords, a frequently changed PIN can deter sophisticated attempts to guess the code through systematic trial-and-error methods, especially if combined with other security measures like transaction monitoring.
Enhanced Protection Against Skimming and Shoulder Surfing: If a debit card has been subjected to skimming devices or if the PIN was inadvertently observed by an unauthorized party (shoulder surfing), changing the PIN immediately negates the effectiveness of such unauthorized access methods.
Reinforcement of Secure Practices: The act of changing a PIN encourages a heightened awareness of security protocols. It serves as a tangible reminder for cardholders to remain vigilant about protecting their financial credentials.

Common Scenarios Necessitating a PIN Change

The decision to update a debit card PIN is often prompted by specific events or perceived vulnerabilities in the security of one’s financial information. These scenarios highlight the dynamic nature of security and the need for adaptive protective measures.Illustrative scenarios that commonly necessitate a PIN change include:

Confirmation of Card Information Exposure: A cardholder receives an alert from their bank or a third-party service indicating a potential compromise of their debit card details. For example, if a credit monitoring service flags unusual activity or if a known data breach involved the financial institution.
Unusual or Suspicious Transaction Activity: The detection of unauthorized transactions on a bank statement, even if minor, warrants an immediate PIN change as a precautionary measure to prevent further fraudulent activity. This includes transactions from unfamiliar locations or for unfamiliar goods/services.
Physical Loss or Theft of Debit Card: If a debit card is misplaced or stolen, changing the PIN is a critical step in securing the associated bank account, even if the card is subsequently recovered or reported lost. This ensures that if the PIN was also compromised or observed, it cannot be used.
Use of Public or Shared Computers for Transactions: Engaging in financial transactions using public terminals or shared computers carries an inherent risk of keylogger malware or observation. In such instances, a PIN change afterward is a prudent security practice.
Family Member Access or Observation: If a PIN has been shared with a family member who no longer requires access, or if there is a concern that a PIN might have been observed by a family member without authorization, changing it ensures exclusive knowledge of the code.
Receiving a Replacement Card: While not always mandatory, some individuals opt to change their PIN when they receive a new debit card, especially if it’s due to the old card expiring or being replaced after a reported issue. This offers an added layer of security.

Methods for Changing Your Bank of America Debit Card PIN

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Several established methodologies exist for modifying the Personal Identification Number (PIN) associated with a Bank of America debit card. These methods are designed to offer varying levels of convenience and accessibility to account holders, catering to diverse user preferences and technological proficiencies. The primary objective is to ensure secure and efficient PIN management.The selection of a particular method often depends on the individual’s immediate access to technology and their comfort level with digital platforms.

Each approach is underpinned by security protocols to safeguard the integrity of the account and the user’s financial information.

Changing Your Bank of America Debit Card PIN at an ATM

Utilizing a Bank of America ATM provides a direct and secure interface for updating your debit card PIN. This method is particularly advantageous for individuals who prefer in-person transactions or require immediate PIN changes.The procedure typically involves the following steps:

Insert your Bank of America debit card into the ATM.
Enter your current PIN to access your account.
Navigate through the ATM menu options. Look for a section related to “Card Services,” “Account Management,” or “PIN Change.”
Select the option to change your PIN.
The ATM will prompt you to enter your new PIN. For security, you will likely be asked to enter it twice to confirm.
Follow any on-screen prompts to finalize the transaction. The ATM will typically display a confirmation message once the PIN has been successfully updated.

It is imperative to ensure that the ATM is located in a secure and well-lit area to prevent unauthorized observation of your PIN entry.

Changing Your Bank of America Debit Card PIN Through Online Banking

Bank of America’s online banking platform offers a comprehensive suite of services, including the capability to modify your debit card PIN. This method leverages digital security measures to authenticate users and process PIN changes remotely.The process is generally as follows:

Access the Bank of America online banking portal via a secure web browser.
Log in to your account using your username and password.
Once logged in, locate the “Accounts” or “Services” section.
Within this section, find an option pertaining to “Debit Card Management” or “Card Services.”
Select the option to “Change PIN” or “Update PIN” for your debit card.
You will be prompted to enter your current PIN and then your desired new PIN, which will likely require a second entry for verification.
Confirm the changes. A confirmation message or email will typically be sent to acknowledge the successful update.

It is crucial to utilize a secure, private internet connection when performing these actions to mitigate risks associated with public Wi-Fi networks.

Changing Your Bank of America Debit Card PIN Via the Mobile App

The Bank of America mobile application mirrors the functionality of online banking, providing a convenient mobile-first approach to managing your debit card PIN. This method is optimized for smartphone and tablet users.The steps involved are as follows:

Download and open the Bank of America mobile app on your device.
Log in to your account using your credentials.
Navigate to the “Accounts” or “Cards” section within the app.
Identify and select your debit card.
Look for an option labeled “Manage Card” or “Card Settings,” which should include a “Change PIN” function.
Follow the in-app instructions to enter your current PIN and then your new PIN, with a confirmation entry required.
Tap to confirm the update. The app will provide immediate feedback on the success of the PIN change.

Ensuring your mobile device has the latest security updates installed is a fundamental practice for safeguarding your financial data when using mobile banking applications.

Changing Your Bank of America Debit Card PIN Via Phone Call to Customer Service

While direct PIN changes via a standard phone call to customer service may not always be the primary or most immediate method, Bank of America does provide customer support channels that can guide users through the process or initiate necessary actions. In certain circumstances, and after rigorous identity verification, a customer service representative might be able to facilitate a PIN change or provide a temporary PIN.The general procedure, if applicable, would involve:

Locating the official Bank of America customer service number, typically found on the back of your debit card or on the bank’s official website.
Dialing the customer service number and navigating through the automated phone system to reach a representative who handles card services.
Providing detailed personal information for identity verification, which may include your full name, address, date of birth, account numbers, and potentially answers to security questions.
Clearly stating your request to change your debit card PIN.
The representative will then explain the available options. This might involve guiding you to use an ATM or the online/mobile platforms, or in some specific scenarios, they may initiate a process that results in a new PIN being mailed to your address or providing a temporary PIN for immediate use followed by a mandatory change at an ATM.

It is important to be aware that due to enhanced security protocols, many banks, including Bank of America, prefer that PIN changes be conducted through self-service channels (ATM, online, mobile app) to minimize the risk of fraud. Therefore, a phone call is often a supplementary or troubleshooting step rather than a direct method for immediate PIN modification.

Requirements and Considerations for PIN Changes

Successfully altering your Bank of America debit card Personal Identification Number (PIN) necessitates adherence to specific procedural and security protocols. Prior preparation ensures a seamless transaction and reinforces the security posture of your financial instrument. Understanding these prerequisites and the underlying security principles is paramount.

The process of changing a debit card PIN is designed to be both user-friendly and robust against unauthorized access. This involves verifying your identity and ensuring the chosen PIN meets established security standards. Bank of America, like other financial institutions, implements these measures to protect customer accounts from fraudulent activities.

Essential Information for PIN Changes

Before initiating a PIN change, it is crucial to have certain key pieces of information readily accessible. This preparatory step minimizes potential disruptions and streamlines the authentication process. The required details serve as a primary layer of verification to confirm your identity and authorization to modify the card’s security parameters.

Current Debit Card Number: The full 16-digit number embossed on your Bank of America debit card.
Card Expiration Date: The month and year indicated on the front of your debit card.
Card Security Code (CVV/CVC): The 3- or 4-digit code typically found on the back of your debit card.
Personal Information for Verification: This may include your Social Security Number (or a portion thereof), date of birth, or answers to pre-set security questions established with the bank.
Access to Registered Contact Information: A phone number or email address associated with your Bank of America account, which may be used for one-time passcodes or verification alerts.

Criteria for a Strong and Secure PIN

The efficacy of a PIN in safeguarding your account is directly proportional to its complexity and unpredictability. A strong PIN acts as a significant deterrent against unauthorized access by making it difficult for individuals to guess or systematically attempt to discover it. Adhering to these guidelines is a fundamental aspect of personal financial security.

A secure PIN should avoid easily guessable patterns or personal identifiers. For instance, sequences like “1234” or “0000” are highly vulnerable. Similarly, using birthdates, anniversaries, or parts of your phone number can be compromised if this information is publicly accessible or obtainable through social engineering tactics. The objective is to create a numerical string that is unique to you and not readily deducible.

Unpredictability: Avoid sequential numbers (e.g., 1234, 4321), repeating digits (e.g., 1111, 2222), or common patterns on a keypad.
Non-Personal Identifiers: Do not use your birthdate (e.g., MM/DD/YY or DD/MM/YY), year of birth, or the last four digits of your Social Security Number.
Uniqueness: The PIN should not be the same as any other PIN you use for different accounts or devices, if possible.
Length: Bank of America typically requires a 4-digit PIN, but ensure it meets the bank’s specific length requirement.

Limitations and Restrictions on PIN Changes, How to change pin for bank of america debit card

Financial institutions implement specific policies to govern the frequency and methodology of PIN changes. These restrictions are in place to prevent abuse of the system and to maintain a high level of security for all cardholders. Understanding these limitations ensures that users can plan their PIN management effectively and avoid encountering unexpected barriers.

While the ability to change a PIN is a critical security feature, it is not an unlimited privilege. Banks may impose caps on how often a PIN can be reset within a given period to mitigate risks associated with rapid, potentially unauthorized, changes. Furthermore, the methods available for PIN modification are often confined to secure channels to prevent interception of sensitive data.

Frequency Limits: There may be a minimum waiting period between PIN changes, often ranging from 24 hours to several days, to prevent rapid, potentially fraudulent, resets.
Channel Restrictions: PIN changes are typically restricted to specific secure channels, such as through an ATM, the bank’s official mobile app, or by contacting customer service via a verified phone line. Online or email-based PIN changes are generally not permitted due to security concerns.
Character Limitations: PINs are typically restricted to numerical digits. Alphanumeric characters or special symbols are not permitted for debit card PINs.
Geographic or Terminal Limitations: In some instances, PIN changes may be restricted to domestic ATMs or specific terminal types.

Security Implications of Using the Same PIN Across Multiple Cards

The practice of employing a single PIN for multiple debit and credit cards, while convenient, introduces significant security vulnerabilities. A compromised PIN on one card can lead to the unauthorized access of all cards sharing that same PIN, amplifying the potential financial damage. This underscores the importance of a diversified approach to PIN management.

When a PIN is reused across various financial instruments, the security perimeter is effectively reduced to the strength of that single PIN. If this PIN is inadvertently exposed through a data breach, phishing attempt, or other means, all associated accounts become immediately susceptible. This creates a cascading risk, where a single point of failure can compromise multiple financial assets. Therefore, distinct PINs for each card offer a more robust defense against widespread compromise.

The principle of “defense in depth” in cybersecurity advocates for multiple layers of security. Reusing a single PIN negates this principle, creating a single point of vulnerability.

For example, if a user has a debit card, a credit card, and a gift card, all set to the same PIN (e.g., 5678), and this PIN is compromised, an unauthorized individual could potentially access funds or make purchases on all three cards. In contrast, if each card had a unique PIN, the compromise of one PIN would only affect that specific card, limiting the scope of the potential loss.

Troubleshooting Common PIN Change Issues

Despite the straightforward nature of changing a Bank of America debit card PIN, occasional discrepancies can arise. Understanding these potential issues and their resolutions is crucial for maintaining uninterrupted access to banking services. This section addresses common problems encountered during the PIN modification process and provides systematic solutions.When a PIN change fails, it is often due to a mismatch between the entered information and the bank’s records, or a temporary system constraint.

Prompt identification and resolution of these issues prevent prolonged inconvenience.

Reasons for PIN Change Failure

Several factors can contribute to the unsuccessful modification of a Bank of America debit card PIN. These typically involve validation errors or operational limitations.

Navigating the labyrinthine process of changing your Bank of America debit card PIN might be easier if you know your bank is actually accessible; one might ponder are banks open today in ma before heading out, only to find the solution to your PIN predicament is often available online or via ATM, rendering physical branch hours a moot point for this specific task.

Incorrect Current PIN Entry: The most frequent cause of failure is the input of an incorrect existing PIN. The system requires precise entry of the current PIN to authenticate the user before allowing a change.
Invalid New PIN Selection: Bank of America, like most financial institutions, enforces specific criteria for new PINs to enhance security. These often include restrictions against sequential numbers (e.g., 1234), repeated digits (e.g., 1111), or easily guessable combinations.
Expired or Deactivated Card: If the debit card itself has expired or has been deactivated by the bank due to security concerns or account status, PIN change requests will be unsuccessful.
System Glitches or Maintenance: Temporary technical issues with the bank’s online portal, mobile application, or ATM network can impede PIN change processes. Scheduled maintenance periods may also temporarily disable this functionality.
Geographic Restrictions: In some instances, PIN changes initiated from certain international locations might be restricted due to security protocols.

Resolving PIN Change Failures

Addressing a failed PIN change involves systematically verifying the inputs and ensuring all prerequisites are met.

Verify Current PIN: Double-check the digits entered for the current PIN. If unsure, attempting to recall it from memory or checking any securely stored notes is necessary.
Adhere to New PIN Guidelines: Ensure the chosen new PIN complies with Bank of America’s security requirements. Avoid simple patterns and opt for a unique four-digit combination.
Confirm Card Status: Verify that the debit card is active and not expired. This information can usually be found on the card itself or by contacting customer service.
Attempt at a Different Time or Location: If system issues are suspected, try the PIN change again later or utilize a different method (e.g., ATM instead of online, or vice versa).
Contact Bank of America Customer Service: For persistent issues, direct communication with the bank’s support team is the most effective recourse. They can diagnose specific error codes or account-related restrictions.

Procedures for a Forgotten Current PIN

Forgetting the current PIN necessitates a specific reset procedure, as direct changes are not possible without prior authentication.If a user cannot recall their current debit card PIN, the bank’s security protocols prevent them from directly changing it. The established procedure involves a PIN reset, which effectively issues a new PIN for the card. This process is designed to verify the cardholder’s identity before issuing new credentials.The typical method for resetting a forgotten PIN involves contacting Bank of America’s customer service.

Cardholders will be required to provide identifying information to confirm their identity. This may include account numbers, personal details, and potentially answers to security questions. Upon successful verification, the bank will mail a new PIN to the cardholder’s registered address. Alternatively, some branches may offer in-person PIN reset services, which require the cardholder to present valid identification.

PIN Reset for Locked Accounts

A PIN lockout typically occurs after multiple unsuccessful attempts to enter the correct PIN, a security measure to prevent unauthorized access.When a Bank of America debit card PIN is locked out, it signifies that the system has detected a pattern of incorrect entries, thereby disabling the card for PIN-based transactions. This is a standard security feature to protect the account from brute-force attacks.The process to unlock a PIN generally involves contacting Bank of America’s customer service or visiting a physical branch.

The cardholder will need to undergo identity verification. Once identity is confirmed, the bank will typically reset the PIN. In some cases, a temporary PIN may be provided, or a new PIN will be mailed to the cardholder’s address. It is crucial to follow the bank’s specific instructions during the reset process to regain access to the card’s PIN functionality.

Frequently Asked Questions Regarding PIN Modifications

This section addresses common inquiries concerning the process of changing or resetting a Bank of America debit card PIN.

Question	Answer
Can I change my PIN at any Bank of America ATM?	Yes, Bank of America ATMs are a primary method for changing your debit card PIN. Ensure you have your current PIN and follow the on-screen prompts.
Is there a fee for changing my PIN?	Generally, there is no fee associated with changing your debit card PIN through official Bank of America channels.
How long does it take to receive a new PIN by mail after a reset?	The delivery time for a new PIN by mail typically ranges from 7 to 10 business days, though this can vary.
Can someone else change my PIN for me?	No, for security reasons, only the primary cardholder can initiate a PIN change or reset. You will need to provide personal verification.
What should I do if I suspect my PIN has been compromised?	If you suspect your PIN has been compromised, immediately change your PIN and contact Bank of America customer service to report the incident.

Enhancing Debit Card Security Beyond PIN Management

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While managing your Bank of America debit card PIN is a fundamental security measure, a comprehensive approach to safeguarding your financial assets necessitates adopting a broader set of security practices. These practices aim to mitigate risks associated with card compromise, unauthorized access, and fraudulent transactions, thereby reinforcing the overall security posture of your banking interactions.

Best Practices for Debit Card Safeguarding

Implementing a series of proactive measures is crucial for maintaining the security of your debit card. These practices, when consistently applied, significantly reduce the likelihood of your card information falling into the wrong hands and being exploited for financial gain.

Physical Security: Keep your debit card in a secure location when not in use. Avoid leaving it unattended in public places or in easily accessible environments.
Transaction Monitoring: Regularly review your bank statements and online transaction history for any unfamiliar or suspicious activity. Promptly report any discrepancies to your bank.
Secure Online Usage: When making online purchases, ensure the website uses secure connections (HTTPS). Avoid entering your debit card details on unsecured or public Wi-Fi networks.
Card Limits: Consider setting daily spending limits on your debit card, if available through your bank’s services, to restrict potential losses in case of compromise.
ATM Safety: Be aware of your surroundings when using ATMs. Shield the keypad when entering your PIN and inspect the ATM for any signs of tampering or skimming devices.
Card Replacement: If your debit card is lost or stolen, report it immediately to Bank of America to prevent unauthorized transactions.

Scenario: The Importance of Not Sharing PIN Information

Consider a scenario where an individual, “Alex,” is at a busy restaurant. A server, seeking to expedite service, asks Alex for their debit card PIN to process a payment. Alex, feeling pressured by the situation and the presence of other patrons, divulges the PIN. Later that day, Alex discovers unauthorized withdrawals from their bank account, totaling a significant sum. The compromised PIN allowed the fraudulent actor to access funds directly.

This incident underscores that even a brief lapse in maintaining PIN confidentiality can lead to substantial financial losses, highlighting the critical need for strict adherence to PIN secrecy.

The Role of Two-Factor Authentication in Securing Online Banking Transactions

Two-factor authentication (2FA) is a security protocol that requires users to provide two distinct forms of identification to verify their identity before granting access to an account or system. For online banking transactions with Bank of America, 2FA significantly enhances security by adding an extra layer of protection beyond just a password or PIN.

Typically, 2FA for online banking involves a combination of something the user knows (e.g., password) and something the user has (e.g., a code sent to their registered mobile device via SMS or generated by an authenticator app) or something the user is (e.g., fingerprint or facial recognition). This multi-layered approach makes it considerably more difficult for unauthorized individuals to gain access, even if they manage to obtain your login credentials.

For instance, if a fraudster obtains your online banking username and password, they would still be unable to complete a transaction without the secondary authentication factor, such as the one-time passcode sent to your phone.

Recognizing and Reporting Fraudulent Activity Related to Debit Cards

Vigilance in identifying and promptly reporting suspicious activities is paramount in mitigating the impact of debit card fraud. Proactive detection can often prevent significant financial damage.

Unrecognized Transactions: The most direct indicator of fraud is the presence of transactions on your statement that you do not recognize. This includes purchases made in locations you have not visited or for amounts that seem unusual for your spending habits.
Unusual Account Alerts: Pay attention to any alerts or notifications from Bank of America regarding unusual account activity, such as large withdrawals, multiple declined transactions, or changes to your account information.
Card Not Received: If you have requested a replacement card and it does not arrive within the expected timeframe, it may have been intercepted.
Phishing Attempts: Be wary of unsolicited emails, text messages, or phone calls asking for your debit card number, PIN, or other personal information. Banks typically do not request this sensitive data through such channels.

When you identify potential fraudulent activity, it is imperative to report it immediately to Bank of America. This can typically be done by calling the customer service number on the back of your debit card, through the bank’s secure online portal, or by visiting a local branch. Prompt reporting allows the bank to take immediate action, such as blocking your card and initiating an investigation, thereby protecting your funds and preventing further unauthorized use.

Outcome Summary

Mastering how to change pin for bank of america debit card is an indispensable skill for any cardholder. By diligently following the Artikeld steps and adhering to security best practices, you significantly reduce the risk of fraudulent activity and maintain peace of mind. Remember, proactive security measures are your strongest allies in the ever-evolving landscape of financial protection, and a simple PIN change can be a powerful first step.

FAQ Compilation

What if I forget my current Bank of America debit card PIN?

If you forget your current PIN, you will typically need to request a new one by contacting Bank of America customer service or visiting a branch. They will guide you through the verification process to issue a new PIN, which may be mailed to your address.

Can I change my Bank of America debit card PIN at any ATM?

While many ATMs allow PIN changes, it’s best to use a Bank of America branded ATM or one that explicitly states it supports PIN changes for Bank of America cards to ensure a smooth process.

How often can I change my Bank of America debit card PIN?

There isn’t usually a strict limit on how often you can change your PIN, but it’s advisable to do so periodically for security. Bank of America may have internal policies, but generally, you can change it whenever you feel it’s necessary.

Is it safe to write down my new PIN?

No, it is never safe to write down your PIN. If you must have a reminder, use a method that is not immediately obvious and store it securely away from your card. The best practice is to memorize your new PIN.

What happens if my PIN is locked out due to too many incorrect attempts?

If your PIN is locked out, you will need to contact Bank of America customer service or visit a branch to have it reset. They will guide you through the necessary steps to regain access to your card.