Most banks give you a debit card with a checking account, but not always right away
When you open a checking account, the bank will usually send you a debit card in the mail within one to two weeks. This card lets you spend money directly from your checking account at stores, online, and at ATMs. However, some banks do not include a debit card automatically — you may need to ask for one, and a few banks charge a small fee for it.
The debit card is separate from your checkbook. You get both, but they work the same way: both pull money from your checking account. The card is just faster and more convenient for most everyday purchases. If the bank does not send you one automatically, you can request it during your first visit or by calling customer service.
Key Takeaways
- Most checking accounts come with a debit card sent to you by mail, usually within one to two weeks of opening the account.
- A debit card and a checkbook both draw from the same checking account, so you do not need both to use the account.
- Some banks charge a fee for a debit card, while others include it free — ask before you open the account if this matters to you.
- If your bank does not automatically send a debit card, you can request one by phone or in person at a branch.
- You can use your debit card right away at ATMs once you receive it, even if you have not yet written any checks.
What happens when you first open the account
On the day you open your checking account, the bank will give you temporary access to your money. You will receive a temporary card or a temporary number you can use at ATMs and online right away. This lets you start using the account before your official debit card arrives.
The permanent debit card comes in the mail separately, usually within 7 to 14 days. When it arrives, you will need to set up it — the bank will send instructions with the card, or you can call the number on the back. Once activated, you can use it at any store, restaurant, or website that takes Visa or Mastercard (depending on which network your bank uses).
The difference between a debit card and a checkbook
Both a debit card and checks pull money directly from your checking account, but they work differently in practice. A debit card is when ready — the money leaves your account right away when you swipe or tap it. A check takes longer to clear, sometimes three to five business days, because the bank has to process it.
Most people use debit cards for everyday purchases because they are faster and you do not have to carry a checkbook. Checks are still useful for paying bills by mail, paying rent, or making large purchases where you want a paper record. You do not have to choose one or the other — you get both, and you can use whichever makes sense for each situation.
Banks that do not automatically include a debit card
Some banks, especially online-only banks and certain credit unions, do not send a debit card automatically. They may ask you to request one during sign-up, or they may charge a fee (usually $5 to $15 per year). A few banks do not offer debit cards at all and expect you to use checks or transfers instead.
Before you open an account, ask the bank directly: "Does this checking account come with a free debit card?" If they say no or charge a fee, you can decide whether that matters to you. Many people are willing to pay a small fee for the convenience, but others prefer to find a bank that includes it free.
How to request a debit card if you do not receive one
If your bank did not send you a debit card automatically, or if you lost yours and need a replacement, you can request one by phone, online, or in person. Call the customer service number on the back of your temporary card or on your bank statement. You can also log into your online banking account and look for a "request a card" or "order a card" option.
The bank will ask for your mailing address to send the card. If you need it urgently, some banks can issue a temporary digital card you can use on your phone right away while the physical card is in the mail. Ask whether your bank offers this option when you call.
What to do when your debit card arrives
When your debit card comes in the mail, do not use it until you set up it. The set up process is straightforward: call the number printed on the card, or log into your online banking account and follow the prompts. The bank does this to make sure the card reached you safely and not someone else.
Once activated, your card is ready to use. You can use it at any ATM to withdraw cash, at any store that takes cards, and online. Your PIN (personal identification number) is usually set up during set up, or the bank will mail it separately. Keep your PIN private — never share it with anyone, not even bank employees.
Frequently Asked Questions
Can I use my checking account before my debit card arrives?
Yes. You will receive a temporary card or temporary access code on the day you open the account. You can use this at ATMs and online right away. Your permanent debit card will arrive in the mail within one to two weeks.
Do I have to use the debit card, or can I just use checks?
You do not have to use the debit card. Many people use only checks, or only transfers, or only the debit card — it is your choice. The bank sends both so you have options for different situations.
What if I lose my debit card?
Call your bank when ready and tell them your card is lost. They will cancel it so no one else can use it, and they will order a replacement card to be mailed to you. In the meantime, you can still use checks, transfers, or a temporary digital card if your bank offers one.
Does a debit card cost money?
Most banks include a debit card free with a checking account. Some charge a yearly fee of $5 to $15, and a few do not offer debit cards at all. Ask your bank about the cost before you open the account if you want to know.
Can I get a debit card if I am under 18?
Yes, but the rules vary by bank. Some banks require a parent or guardian to open the account with you, while others let you open a youth account on your own. Ask your bank what age you need to be and what documents you need to bring.