A FIACARDSERVICES, FIA CARD SERVICES, FIA CARD SERVICES N.A., or similar entry on a bank statement, credit-card record, payment history, or credit report usually refers to the former FIA Card Services, National Association, a credit-card bank associated with Bank of America.
FIA Card Services is no longer an active standalone national bank. Official Bank of America and federal banking records confirm that FIA merged into Bank of America, N.A. on October 1, 2014.
Bank of America became the surviving bank and assumed FIA’s rights and obligations for its credit-card business.
What Is FIA Card Services on My Bank Statement?
FIA Card Services on a bank statement usually points to an old or legacy credit-card relationship rather than a current merchant named FIA Card Services.
FIA was primarily a:
- Credit-card issuer
- Credit-card account administrator
- Credit-card servicer
- Bank of America subsidiary
Therefore, an FIA entry on a checking-account statement may be more likely to represent:
- A credit-card payment
- An ACH payment to an old credit-card account
- An online bill-pay transaction
- A legacy recurring payment instruction
- A payment associated with an old Bank of America or FIA account
rather than a purchase from an ordinary retailer.
Is FIA Card Services Still Active?
No, not as a separate national bank.
Official Bank of America records state that:
FIA Card Services, National Association merged with and into Bank of America, National Association on October 1, 2014.
Bank of America was the surviving institution.
The Office of the Comptroller of the Currency also records the transaction as:
- Target: FIA Card Services, National Association
- Resulting Bank: Bank of America, National Association
- Effective Date: October 1, 2014
Therefore, someone finding an FIA Card Services record in 2026 should not interpret it as evidence that FIA continues operating as an independent credit-card bank.
Is FIA Card Services Bank of America?
Historically, yes.
FIA Card Services was part of the Bank of America organization.
When FIA merged into Bank of America in October 2014, Bank of America stated that it assumed FIA’s:
- Credit-card business rights
- Credit-card business obligations
- Account-origination responsibilities
- Credit-card receivable servicing responsibilities
Bank of America filings after the merger identify:
Bank of America, National Association
as:
successor by merger to FIA Card Services, National Association.
That is the most important relationship to understand when researching an old FIA entry.
Was FIA Card Services Previously MBNA?
Yes.
The history goes back to MBNA America Bank.
Official Bank of America records state that:
MBNA America Bank, National Association changed its name to FIA Card Services, National Association effective June 10, 2006.
The simplified history is:
MBNA America Bank → FIA Card Services → Bank of America, N.A.
This helps explain why older financial documents can contain several different names for accounts that later became associated with Bank of America.
Why Was MBNA Renamed FIA Card Services?
Bank of America acquired MBNA in the mid-2000s and reorganized its credit-card operations.
Following that integration, MBNA America Bank became:
FIA Card Services, N.A.
FIA subsequently issued and administered Bank of America and other credit-card accounts.
That lasted until the separate FIA national bank was merged into Bank of America itself in 2014.
Why Do I Still See FIA Card Services Years After the Merger?
Financial names can remain in records long after a corporate merger.
Possible reasons include:
- An old credit-card account
- A historical statement
- A saved bill-pay recipient
- An old ACH payment instruction
- A closed-account record
- A credit-report history
- An archived bank transaction
- A legal or collection record
- A financial institution’s legacy database
There is evidence that the FIA name continued to be used even after the 2014 merger.
For example, a Bank of America Visa Signature credit-card agreement dated September 30, 2017 identified:
Bank of America, N.A.
as:
also known as FIA Card Services
within that particular agreement.
That does not mean FIA remained a separate bank. It demonstrates how the legacy name could continue appearing in Bank of America account documentation after the legal merger.
What Does FIACARDSERVICES Mean?
FIACARDSERVICES is most likely a shortened, space-free version of FIA Card Services.
Bank and transaction systems frequently remove spaces from merchant, creditor, or payee names.
Possible variations include:
- FIACARDSERVICES
- FIA CARD SERVICES
- FIA CARD SERVICES NA
- FIA CARD SERVICES N.A.
- FIA CARD SERV
- FIA CARD SVC
- FIA CARDSERVICES
- FIA CARD SERVICES PAYMENT
- FIA CARD SERVICES PYMT
- ACH FIA CARD SERVICES
- FIA CARD SERVICES WILMINGTON DE
The exact wording depends on the financial institution and age of the record.
Is FIACARDSERVICES a Credit Card Purchase?
Not necessarily — and this distinction is important.
FIA Card Services was a credit-card issuer, not an ordinary retailer.
If FIACARDSERVICES appears as a withdrawal from your checking account, the transaction may represent:
a payment to a credit-card account
rather than:
a purchase made with your credit card.
For example:
Checking account → FIA Card Services → old credit-card payment
is very different from:
Credit card → retail merchant → purchase.
Check which account contains the transaction before deciding what it means.
Could FIA Card Services Be an Automatic Credit Card Payment?
Yes, particularly in older records.
A payment to a former FIA-issued account could have been made through:
- Automatic payment
- ACH debit
- Your bank’s bill-pay service
- A manually initiated online payment
- A recurring payment instruction
If you find an FIA transaction in a current checking account, check:
- Bill Pay
- Scheduled payments
- Automatic payments
- Old Bank of America credit cards
- Closed credit-card accounts
A saved payee may retain an older name even if the underlying institution has changed.
Could FIA Card Services Be on a Credit Report?
Yes.
Older credit-card accounts can appear on credit reports under historical creditor names.
An FIA Card Services entry could represent:
- An old credit-card account
- A closed account
- An account formerly issued by MBNA
- An account formerly administered by FIA
- Historical Bank of America credit-card information
- A previously charged-off account
The account’s appearance on a credit report does not mean FIA is currently operating as a separate bank.
Check:
- Account opening date
- Last reported date
- Account number or partial account number
- Current balance
- Current status
- Current company furnishing the information
If you believe the credit-report information is incorrect, use the current credit bureau and creditor dispute procedures rather than contacting an old FIA address found in historical records.
Could FIA Card Services Be an Old Debt?
It could represent historical credit-card debt.
FIA originated and serviced credit-card accounts before its merger into Bank of America.
Older:
- Court cases
- Collection records
- Credit reports
- Charge-off records
- Settlement paperwork
may therefore contain the FIA Card Services name.
Do not assume that an old creditor name tells you who currently owns or services a debt.
Before making a payment, verify:
- The current creditor
- The current servicer
- The account involved
- The balance
- The official payment address
through current documentation.
Does Bank of America Still Use the FIA Card Services Name?
Bank of America’s current consumer credit-card pages primarily identify Bank of America, not FIA Card Services.
We did not find a current 2026 Bank of America consumer page presenting FIA Card Services as a separate active issuer.
However, older post-merger documents show that Bank of America continued using FIA terminology in some communications after 2014.
That means FIA should be viewed as a:
legacy Bank of America credit-card name
rather than a separate current bank.
Does FIA Card Services Have a Current Website?
We did not find a current official consumer banking website operating FIA Card Services as an independent card issuer.
For current Bank of America credit-card accounts, use:
Do not assume that an old FIA-branded domain, phone number, address, or payment page found in archived search results is still valid.
What Was FIA Card Services’ Old Address?
Federal banking records identify the former FIA Card Services national bank at:
1100 North King Street
Wilmington, DE 19884
That address is useful for identifying historical documents.
It should not automatically be used as a current payment or dispute address.
Use the address shown on your current account statement.
How Do I Contact FIA Card Services Now?
Because FIA Card Services no longer exists as a separate national bank, there is no reason to rely on an old FIA customer-service number for a current Bank of America credit-card account.
For a current Bank of America credit card, Bank of America currently publishes:
- Credit Card Customer Service: 1-800-732-9194
- International: +1-302-738-5719
- Credit Card Billing Inquiries: 1-866-266-0212
- Online Credit Card Support: Bank of America Credit Card Customer Service
Bank of America currently lists general credit-card customer service as available:
24 hours a day, 7 days a week.
Use the telephone number on the back of your current card whenever possible.
What If My Former FIA Card Is No Longer With Bank of America?
Do not assume every historical FIA-branded or co-branded card is necessarily serviced by Bank of America today.
Credit-card portfolios, co-branded programs, and financial partnerships can change over time.
If you have an old card or account:
- Check your most recent statement.
- Check the issuer printed on the current card.
- Review your current online account.
- Use the customer-service number printed on the card.
- Do not rely solely on old FIA documentation.
The Bank of America relationship is historically established, but the current issuer of an individual legacy account must be verified separately.
What If I Do Not Recognize a FIACARDSERVICES Withdrawal?
First determine whether the entry is:
- A merchant purchase
- A credit-card payment
- An ACH debit
- A bill-pay transaction
- A transfer
- A historical record rather than a new transaction
Then:
- Copy the complete descriptor.
- Record the amount and date.
- Check old and current Bank of America credit-card accounts.
- Review your bank’s Bill Pay history.
- Review automatic ACH payments.
- Ask other authorized account users.
- Ask your bank for expanded transaction information.
Your bank may be able to identify:
- The receiving financial institution
- The ACH company name
- The transaction type
- A trace number
- A creditor or account reference
Do not post those private identifiers publicly.
What Information Should I Ask My Bank For?
If the short descriptor only says FIACARDSERVICES, ask for:
- The complete transaction description
- Whether it was ACH, bill pay, debit-card, or another payment type
- The receiving institution
- The payee name
- The transaction date
- The authorization method
- Whether the transaction was recurring
- Whether similar prior payments exist
This can help determine whether the payment corresponds with a former FIA/Bank of America account.
What If FIA Card Services Appears as a Pending Charge?
A current pending transaction may contain incomplete or outdated descriptor information.
While pending:
- The name may change.
- The transaction may disappear.
- Additional creditor information may appear when it posts.
If you do not recognize the transaction, contact your financial institution rather than waiting solely for a clearer descriptor.
Is FIA Card Services a Scam?
No. FIA Card Services was a real national bank and Bank of America credit-card operation.
Its history is documented in:
- Bank of America corporate filings
- SEC records
- Office of the Comptroller of the Currency records
- Historical credit-card agreements
However:
a real historical company name does not prove that a specific modern transaction is authorized.
An unexpected current FIA transaction still deserves investigation.
Is a FIACARDSERVICES Charge Fraud?
Not automatically.
A legitimate explanation may include:
- An old Bank of America credit-card payment
- A saved bill-pay recipient
- An automatic payment
- A legacy account name
- A transaction made by another authorized user
Contact your financial institution promptly if:
- No authorized user recognizes the payment.
- You have no corresponding credit-card account.
- No bill-pay or ACH history explains it.
- The transaction repeats unexpectedly.
- Additional unfamiliar withdrawals appear.
How Do I Dispute a Current Bank of America Credit Card Charge?
If the underlying account is currently a Bank of America credit card, Bank of America says most posted transactions can be disputed through:
- Mobile Banking
- Online Banking
- Telephone support
- Written billing inquiry
Bank of America currently advises that only posted transactions can normally be disputed through its standard credit-card dispute process.
Its current guidance also states that timely notification is important and that most credit-card billing disputes should be raised within:
60 days of the statement containing the error.
Official information:
Bank of America Credit Card Dispute FAQs
If FIACARDSERVICES appears on a checking account at a different bank, contact that bank regarding its own ACH or transaction-dispute procedure.
Could FIA Card Services Be Fidelity?
The letters FIA should not automatically be interpreted as meaning Fidelity Investments.
FIA Card Services was the formal name of the former Bank of America credit-card bank.
Some historical co-branded card relationships can make the names especially confusing, but:
FIA Card Services itself was associated with Bank of America.
Verify the actual card program and current issuer before contacting any financial company.
Could FIA Mean First Investors, First Interstate, or Another Bank?
A descriptor that clearly says:
FIA CARD SERVICES
or:
FIACARDSERVICES
has a strong historical connection to the former Bank of America credit-card subsidiary.
A descriptor containing only:
FIA
is less specific.
Ask the financial institution for the full unshortened description before assuming it means FIA Card Services.
Frequently Asked Questions About FIA Card Services
What is FIA Card Services on my bank statement?
It generally refers to the former Bank of America credit-card issuer FIA Card Services. On a checking statement, it may represent a legacy credit-card payment, ACH transaction, or bill-pay payee rather than a retail purchase.
What is FIACARDSERVICES?
FIACARDSERVICES is a shortened statement or database variation of FIA Card Services.
Is FIA Card Services still in business?
Not as a separate national bank. FIA Card Services merged into Bank of America, N.A. on October 1, 2014.
Who bought FIA Card Services?
FIA was already part of the Bank of America organization. In 2014 FIA merged directly into Bank of America, N.A., which became the surviving bank.
Is FIA Card Services Bank of America?
FIA Card Services was a Bank of America credit-card bank. Bank of America is the legal successor to FIA following the 2014 merger.
Was FIA Card Services MBNA?
Yes. Official Bank of America records state that MBNA America Bank changed its name to FIA Card Services in June 2006.
What happened to FIA Card Services?
FIA Card Services merged into Bank of America, N.A. effective October 1, 2014 and ceased operating as a separate national bank.
Why does FIA Card Services still appear on my records?
Legacy names can remain in old statements, bill-pay systems, ACH records, closed accounts, credit reports, and financial databases long after a merger.
Is FIA Card Services a merchant?
FIA was primarily a credit-card issuer and servicer, not an ordinary retail merchant. An entry may represent a payment to a credit-card account rather than a purchase.
Could FIA Card Services be an automatic payment?
Yes. If it appears as a withdrawal from a checking account, check old credit-card autopay and bill-pay records.
What is the current FIA Card Services phone number?
There is no current standalone FIA bank to contact. For a current Bank of America credit card, Bank of America lists 1-800-732-9194 for credit-card customer service and 1-866-266-0212 for billing inquiries.
Should I call an old FIA telephone number I found online?
No. Use current contact information from your current statement, card, financial institution, or BankofAmerica.com rather than an archived FIA number.
Could FIA Card Services appear on my credit report?
Yes. Historical credit accounts can remain under the creditor name used when the account was active.
Is FIA Card Services fraud?
FIA Card Services was a legitimate financial institution. An unfamiliar current transaction still needs to be verified because the company’s historical legitimacy does not establish that a particular payment was authorized.
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Why Trust ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, ACH, bank, financial-institution, creditor, payment, and bank-statement descriptors using current official company information, government banking records, regulatory filings, historical credit-card agreements, and transaction-verification methods.
For this guide, official Bank of America and federal records establish the corporate history clearly.
Bank of America reported that:
- FIA Card Services, N.A. merged into Bank of America, N.A. on October 1, 2014.
- Bank of America was the surviving entity.
- Bank of America assumed FIA’s rights and obligations relating to its credit-card business.
The Office of the Comptroller of the Currency independently records the same transaction, identifying FIA Card Services as the target institution and Bank of America as the resulting bank, with an effective date of October 1, 2014.
Bank of America corporate filings also document the earlier history:
MBNA America Bank changed its name to FIA Card Services, N.A. effective June 10, 2006.
An example Bank of America Visa Signature agreement dated September 30, 2017 further demonstrates the continued legacy use of the name after the merger by describing Bank of America, N.A. as also known as FIA Card Services within that agreement.
Current Bank of America consumer credit-card resources, however, identify Bank of America as the current issuer and support organization. ChargeOnMyCard.com therefore treats FIA Card Services as a legacy Bank of America credit-card name, not a separate active 2026 national bank.
Because a legacy FIA name can appear in many different types of records, cardholders should determine whether their individual entry is a credit-card payment, ACH debit, bill-pay transaction, historical credit record, closed account, or another financial transaction before deciding whether it was authorized.
Last reviewed: August 25, 2026
ChargeOnMyCard.com is not affiliated with FIA Card Services, FIA Card Services N.A., MBNA America Bank, MBNA Corporation, Bank of America Corporation, Bank of America N.A., any former FIA co-branded credit-card partner, creditor, debt purchaser, credit bureau, payment processor, card network, bank, or financial institution. This article provides general informational guidance and cannot access an FIA or Bank of America account, credit report, bill-pay record, ACH transaction, credit card, debit card, or bank account; determine the current owner of an individual debt; identify who authorized a private transaction; correct a credit report; cancel a payment; guarantee a refund; block a card; or file a dispute. Verify an individual FIA Card Services entry through current account records and the applicable financial institution.