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How to Get a Debit Card

A debit card provides convenient access to your checking account for purchases, cash withdrawals, bill payments, and sending money to family and friends. Here’s a step-by-step guide on how to get a debit card.

Step 1: Open a Checking Account

To get a debit card, you first need to open a checking account with a bank or credit union. Here’s what you need to do:

• Compare different financial institutions to find one that fits your needs.
• Gather necessary documents such as a government-issued photo ID, Social Security number, birth certificate, and proof of address.
• Complete and submit an application online, over the phone, or at a branch.
• Make an initial deposit if required by the bank.

Step 2: Request a Debit Card

Once your checking account is approved, many banks will automatically mail you a debit card. 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

Step 3: Activate the Card

After receiving your debit card, you need to activate it before use. Activation methods include:

• Calling customer service
• Using the bank’s mobile app or website
• Activating at an ATM with your PIN
• Scanning a code with your phone
• Visiting a bank branch

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

The minimum age to get a debit card varies by bank. Some banks offer debit cards to teens as young as 13 through student or teen checking accounts, often requiring 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. For lost or stolen cards, expedited delivery options are available, and some banks offer same-day replacement at local branches.

The Bottom Line

A debit card is a useful tool for managing your finances and sticking to a budget. For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. We are here to assist you with the best mortgage solutions tailored to your needs.

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