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Bank of America Commercial Prepaid Card - Personal


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Your Bank of America Visa® Commercial Prepaid Card
Is accepted at millions of locations worldwide - In retail stores, by phone and online. Use the card to buy what you want, when you want until the money is depleted.

How the Prepaid Card Works

The Prepaid Card is a pre-funded card that can be used to purchase goods and services at any merchant that accepts Visa debit cards or to withdraw cash from an ATM or Over the Counter (OTC) transaction, if your sponsor selected that option. It looks and works like any Visa debit card, so you are able to:

  • Make Purchases - This is a card for everyday needs - such as groceries, gas, clothes, lunch and dry cleaning. Once you register the Card, you can make phone, mail-order, and Internet purchases.
  • Get Cash* – Use the Card to get cash worldwide at ATMs with the Visa® or Cirrus® logos. Use the Card at Maestro merchants for purchases of goods and services and you can request to receive cash back.

Your spending limit is set by the amount of money your sponsor loads onto the Card. You can not load additional value onto the Card yourself. When you make a purchase or a cash withdrawal, the amount is automatically deducted from the Card balance minus any service fees. You can use the Card until the money is depleted.

It’s Easy and Convenient to Use

Once activated, simply present the Card at the time of purchase and sign the receipt if requested by the merchant. To keep track of your balance, click the Cardholder Sign In link above or call 1.866.213.8564. The Card is accepted at over 30 million Visa locations worldwide and hundreds of thousands of ATMs worldwide.*


Use the Card to shop online or in a store, and you’re protected from unauthorized use of the Card or account information. With Bank of America’s “Zero Liability” Policy, you may incur no liability for unauthorized use of the Card up to the amount of the unauthorized transaction, provided we are notified within a reasonable period of time of the loss or theft (subject to certain conditions). If you notice fraudulent activity on the Card or you lose the Card, call us immediately at 1.866.213.8564 to report the incident. As soon as you receive the Card, sign the signature panel on the back of the Card so retailers can validate your identity.


Refer to the Frequently Asked Questions for more information.

* ATM access and cash back features are available on Prepaid Cards only if your sponsor selects those options and you select a Personal Identification Number (PIN) at time of activation.