The basic steps to get a debit card

You get a debit card by opening a checking account at a bank or credit union, then requesting the card during or after account setup. Most banks issue a debit card automatically when you open a checking account, though some require you to ask for one. The card arrives by mail within 7 to 10 business days in most cases. You'll receive a PIN (personal identification number) separately, either in the same envelope or in a second mailing, which you need to use the card at ATMs and for some in-person purchases.

If you already have a checking account but don't have a debit card, you can contact your bank or credit union directly — by phone, in person, or through their website — and request one. There is no cost to request a replacement or new debit card at most institutions, though some charge a small fee if you lose the card and need an emergency replacement sent quickly.

Key Takeaways

  • Most banks and credit unions issue a debit card automatically when you open a checking account, with no separate request needed.
  • The card typically arrives within 7 to 10 business days by mail, and your PIN arrives separately.
  • If you already have a checking account, you can request a debit card by calling your bank, visiting a branch, or using their online banking portal.
  • Standard debit card requests are free; expedited or replacement cards may carry a fee depending on your bank's policy.

What you need before you can get a debit card

To open a checking account and receive a debit card, you need a government-issued photo ID (such as a driver's license or passport) and a Social Security number or ITIN (Individual Taxpayer Identification Number). You'll also need to provide your address and a phone number. Some banks require an initial deposit to open the account, though many have eliminated this requirement or set it very low.

If you're opening an account online rather than in person, you may need to verify your identity through a video call or by uploading photos of your ID. The exact process varies by bank, so check their website before you start.

Opening a checking account in person versus online

Opening an account in person at a bank branch takes about 15 to 30 minutes. You bring your ID and Social Security number, fill out an application form, make your initial deposit if required, and walk out with temporary access to your account. The debit card is ordered during this visit and mailed to you. This route is straightforward if you have a branch near you and prefer to speak with someone face-to-face.

Opening online is faster — usually 10 to 15 minutes — and you can do it from home. You'll upload photos of your ID, enter your information, and verify your identity through the bank's system. Your account is typically active the same day or next business day, and your debit card ships within a few days. Online accounts work identically to in-person accounts once they're set up; the only difference is how you started.

How long it takes to receive your card

Standard debit cards arrive within 7 to 10 business days after you open your account or request the card. This timeline depends on your bank's processing speed and mail delivery in your area. Some banks, particularly online-only banks, may take up to two weeks.

If you need a card faster, some banks offer expedited shipping for a fee — typically $10 to $25 — and will send it within 2 to 3 business days. A few banks also allow you to use a temporary digital debit card in Apple Pay, Google Pay, or Samsung Pay immediately while you wait for the physical card to arrive. Check your bank's website or call to see if this option is available.

Activating your debit card when it arrives

When your debit card arrives, you must activate it before you can use it. Most banks let you activate the card through their mobile app, website, or by calling a phone number printed on the card's packaging. Activation usually takes less than a minute and confirms that you received the card and it wasn't intercepted in the mail.

Your PIN arrives separately, either in the same envelope or in a second mailing. Some banks let you set your own PIN during activation; others mail a temporary PIN that you can change at an ATM or through online banking. Once your card is activated and you have your PIN, you can use the card immediately at stores, ATMs, and online.

Getting a debit card if you don't have a Social Security number

If you don't have a Social Security number, you can open a checking account and get a debit card using an ITIN (Individual Taxpayer Identification Number). An ITIN is issued by the IRS to people who need to file taxes but don't have a Social Security number, including some immigrants and non-citizens. You apply for an ITIN through the IRS using Form W-7.

Once you have an ITIN, the process is the same as for anyone else: open a checking account at a bank or credit union and request a debit card. Some banks are more experienced with ITIN accounts than others, so if you encounter difficulty, try a credit union or a bank that explicitly states it accepts ITINs. Call ahead to confirm before visiting a branch.

Replacing a lost or damaged debit card

If your debit card is lost, stolen, or damaged, contact your bank or credit union immediately. You can report it by phone, through your mobile app, or in person at a branch. Once reported, the card is deactivated and cannot be used, which protects you from unauthorized charges.

Your bank will mail a replacement card at no cost in most cases, arriving within 7 to 10 business days. If you need the card sooner, you can pay for expedited shipping. In the meantime, you can still access your money through ATMs using a temporary PIN, through online transfers, or by using a temporary digital card if your bank offers one.

Frequently Asked Questions

Can I get a debit card without opening a checking account?

No. A debit card is tied to a checking account and draws money directly from that account. You must open a checking account first. Some banks offer savings accounts with debit cards, but these are less common and may have restrictions on how often you can withdraw money.

Do I need a minimum deposit to open a checking account and get a debit card?

It depends on the bank. Many banks no longer require a minimum opening deposit, while others require $25 to $100. Online banks and credit unions are more likely to have no minimum. Check your specific bank's requirements on their website before you apply.

What's the difference between a debit card and a credit card?

A debit card draws money directly from your checking account, so you can only spend what you have. A credit card borrows money on your behalf, and you pay it back later. Debit cards don't build credit history; credit cards do. Both can be used at most stores and online.

Can a teenager get a debit card?

Yes, but the rules vary by bank. Some banks allow minors to open accounts with a parent or guardian present; others require the account holder to be 18. Many banks offer teen checking accounts with parental controls. Contact your bank to ask about their age requirements and teen account options.

What if my bank denies me a checking account?

Banks use ChexSystems, a checking account history system, to screen applicants. If you have unpaid overdrafts or fraud on a previous account, you may be denied. You can request your ChexSystems report to see why you were denied. Some banks specialize in second-chance accounts for people with banking history issues; credit unions are often more flexible than large banks.