Everything You Need to Know About Getting a Debit Card

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How to Get a Debit Card

A debit card provides easy access to the funds in your checking account for purchases, cash withdrawals, bill payments, and sending money to family and friends. To obtain a debit card, you need to open a checking account and request one.

Steps to Get a Debit Card

1. Open a Checking Account

To get a debit card, you first need to open a checking account with a bank or credit union. Start by comparing different financial institutions to find one that meets your needs. Gather the necessary documents and information to open your account, which typically include:

• A government-issued photo ID, such as a driver’s license or passport
• Social Security number or Individual Taxpayer Identification Number
• Birth certificate
• Proof of address, like a utility bill or mortgage document

Complete and submit an application. If you’re opening an account at a traditional bank, you can apply online, over the phone, or at a branch. For online-only banks, you’ll complete an online application. Some banks require a minimum initial deposit, so ensure you have funds available to avoid fees when using your debit card.

2. Request a Debit Card

Many banks will automatically send you a debit card once your checking account is approved. If not, you can request one through various methods:

• Using the bank’s mobile app
• Logging into your online account
• Calling customer service
• Visiting a local bank branch

3. Activate the Card

After receiving your debit card, you need to activate it before use. Banks typically offer several convenient activation options:

• Calling customer service
• Online or through the mobile app
• At an ATM using your PIN (which will arrive separately in the mail)
• Scanning a code with your phone
• Visiting a bank branch

Your new debit card will come with instructions for activation.

How Old Do You Have to Be to Get a Debit Card?

The minimum age to get a debit card varies by financial institution. Some banks offer debit cards for students and teens as young as 13 through teen or student checking accounts, though additional requirements may apply. For example, individuals under 18 may need to apply in person or open a joint account with an adult.

How Long Does It Take to Get a Debit Card?

After opening a new checking account, it typically takes four to 10 business days to receive your debit card by mail, depending on the bank or credit union. If you need a replacement card due to loss or theft, report the missing card immediately and request expedited delivery to receive your new card in two to three business days. Some banks offer same-day replacement cards at local branches, and you may be able to access a digital version of your card for immediate use with a digital wallet while waiting for the physical card to arrive.

The Bottom Line

A debit card is a useful tool for managing your finances, allowing you to easily access your money and track your spending. Using your debit card for bill payments can even help improve your credit scores. For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. We are here to assist you with all your mortgage requirements.

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