January 31, 2025

How to Get a Debit Card in 3 Steps

Debit cards have been popular since the turn of the 21st century. Built to look and swipe just like credit cards, what sets these small pieces of plastic apart from credit is what makes them so appealing to many users — instead of borrowing money from the bank to cover your purchase, swiping the card pulls money that’s already yours directly from your account.

The benefits of using this payment method might seem pretty cut and dry. You get the convenience of credit without taking on debt. And you don’t have to worry about the hassle of writing a check or the risks of carrying cash.

But as with every financial decision, it’s smart to know what you’re really getting into before you sign up. Let’s explore the mechanics of debit cards, how to get one, and what alternatives are worth considering if you decide this type of spending isn’t for you.

What’s a debit card?

A debit card is essentially a key to the funds you’re holding at your bank or credit union. That’s why people sometimes refer to them as bank cards. When you swipe your card at a store, punch the number in online, or withdraw cash from an ATM, the money comes directly out of your checking account. You can even use your debit card to deposit cash at some ATMs, depending on your financial institution.

Unlike credit cards, which let you borrow funds you need to repay later (often at a high interest rate), debit cards generally help you spend only what you have. Note that some accounts may allow overdrafts, which could result in fees. This distinction has made debit a popular choice for anyone who wants to avoid debt and manage their budget more effectively.

The possible requirements for getting a debit card

Getting a debit card is easier than opening a new line of credit, but these are the documents that you may possibly need:

A government-issued ID. Whether it’s a driver’s license, passport, or state-issued ID, you’ll need an official document that proves your identity.
Social Security Number (SSN). Most banks require either an SSN or Taxpayer Identification Number (TIN) to set up your account and further validate your identity.
Proof of address. You need to prove you live where you say you do. A recent utility bill, lease agreement, or even a bank statement typically does the trick.
A guardian’s help (if you’re under 18). Most minors need to link their account to a parent’s or legal guardian’s. A joint bank account also works.

Most of these requirements are designed to verify your identity and make sure the account is set up securely. Once you’ve got them in hand, you’re ready to apply for a debit card.

How to get a debit card in 3 simple steps

Here’s how to get your bank card:

1. Open a checking account

If you don’t already have an account with the bank or credit union you want the card for, this is step one. Why? Because your checking account is where the funds come from when you make a purchase.

While the process is generally straightforward, approval may depend on your banking history and the institution’s policies. Some require a government-issued ID, proof of address, and your SSN, and others may let you open an account online.

2. Request your debit card

Many banks and credit unions issue a debit card automatically when you open an account or give you the option to opt in. If not, you can usually request one through your bank’s website, mobile app, or by visiting a branch.

3. Activate your card

Once your card arrives, it’s ready to activate. Follow the instructions included with the card. You’ll typically either call a number or log into your online banking account to get started. Once that’s done, you’re good to go.

How to use a debit card responsibly

Debit cards might be more straightforward than credit cards, but that doesn’t mean they’re foolproof. Here’s how to make sure your debit card doesn’t get you into trouble:

Monitor your account balance

Since debit cards draw money directly from your checking account, knowing your balance is a must. Overdrawing your account can lead to fees or declined transactions. Use your financial institution’s app or online banking to check your balance regularly and keep a close eye on your pending transactions.

Set spending alerts

Many banks let you turn on alerts for purchases or low balances. These notifications can help you stay on top of your spending and avoid surprises.

Another option is EarnIn’s Balance Shield, a tool that sends instant notifications when your balance drops below a certain amount¹ — you can even choose to auto-transfer $100 to give your account some extra cushion.

Use secure ATMs

Stick to ATMs affiliated with your bank or credit union to avoid wasting money on out-of-network fees. And when using an ATM — whether it’s through your bank or another financial institution — protect your account from fraud by checking for signs of tampering like loose card readers or hidden cameras.

Protect your PIN and card information

Keep your personal identification number (PIN) private and avoid writing it down where others could find it. Be cautious when entering your PIN in public or over the phone, and never share your card details in response to unsolicited calls or emails.

Watch out for overdraft fees

If you accidentally spend more than what’s in your account, your bank or credit union might cover the transaction — but many will charge you an overdraft fee, and those can add up quickly. Be aware that linking a savings account for overdraft protection may incur fees, depending on your financial institution.

Alternatives to debit cards

Debit cards aren’t the only option out there. Depending on your spending habits and financial goals, you might want to consider these alternatives:

Prepaid debit cards. These work similarly to debit cards but aren’t tied to a bank account. You load money onto the prepaid card and spend only what you’ve added. Keep in mind that prepaid debit cards may have associated fees for activation, reloading, or monthly maintenance.
Credit cards. When used responsibly, credit cards can offer perks like rewards points or cashback. Just be sure you can pay off the balance in full each month to avoid interest.
Cash. Sometimes, the simplest option is the best. Carrying cash can help you stick to a budget, but it’s less secure than electronic methods.

What to do if you lose your debit card

Losing your debit card can be stressful, but acting quickly will help minimize any issues. Here’s what to do:

Notify your bank. Call your financial institution right away to report the loss and have the card blocked.
Freeze your card. Many banks and credit unions let you temporarily freeze your card using their mobile app until you can confirm whether or not it’s lost.
Order a replacement. Request a new card, which should arrive within a week. This card usually has a different number than the old one so the old number doesn’t work.

Frequently asked questions

Here’s what else you might need to know.

Is a debit card a checking account?

They’re not the same, but they’re related. A checking account is the actual bank account that holds your funds, which you can access by writing a check, setting up direct transfers, or using a debit card. Your debit card is simply a tool that lets you spend money directly from your account or withdraw cash from an ATM.

How old do you have to be to have a debit card?

Opening a checking account (which is usually required to get a debit card) comes with legal and financial responsibilities that require you to be an adult. But teens and kids under 18 can often get a debit card if a parent or guardian helps them open a joint or custodial account.

Keep cash accessible with EarnIn

From grabbing a coffee to shopping online, debit cards make it easier to spend money without going into debt. But what do you do when your account gets too low to swipe your card?

EarnIn’s Cash Out tool lets you access your pay as you work — up to $150/day, with a max of $750 between paydays² — so you can top off your bank account without waiting for payday. And if you need help getting your spending on track, our budget calculator makes it easy to make plans for where your money’s going.

Download EarnIn now to make any day payday.

Please note, the material collected in this post is for informational purposes only and is not intended to be relied upon as or construed as advice regarding any specific circumstances. Nor is it an endorsement of any organization or services.

Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. You can also enable automatic transfers (up to $100/day -subject to your available earnings- with a limit of $750/pay period), if your bank account balance falls below your set threshold. You choose the speed of these automatic transfers. Standard speed is available at no cost and the transfer typically takes 1-2 business days. Lightning Speed is available for a fee [see LS Fee Table] and the transfer typically takes less than 30 minutes. You will also have the option to set a tip for automatic transfers. Tips are optional and can be $0; however, if you choose to set a tip, it will be applied to each automatic transfer. Whether you tip, how much, and how often you tip does not impact the quality and availability of services. You can cancel the alerts and/or transfers at any time in your EarnIn account settings. See the Cash Out User Agreement for more details. While Balance Shield can help you avoid overdrafts, it does not guarantee protection from third-party fees, and its effectiveness depends on your usage and bank activity.

EarnIn is a financial technology company, not a bank. Banking services are provided by our bank partners on certain products other than Cash Out. A pay period is the time between your paychecks, such as weekly, biweekly, or

Your Pay Period Max is the maximum amount you can access between paychecks, typically ranging from $50 to $1,000, and your Daily Max is the maximum amount you can access in a single day, up to $150. Your specific Daily Max and Pay Period Max are determined by EarnIn based on your income and financial risk factors, as explained in the Cash Out Maxes section of our Cash Out User Agreement. These limits may vary and are subject to change at EarnIn’s discretion. Your actual Daily Max will be displayed in your account before each Cash Out.

EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1–2 business days. For faster transfers, you can choose the Lightning Speed option and pay a fee to receive funds within 30 minutes. Lightning Speed is not available in all states. Restrictions and terms apply; see the Lightning Speed Fee Table and Cash Out User Agreement for details and eligibility requirements. Tips are optional and do not affect the quality or availability of services.