Most banks include a debit card automatically, but some accounts don't

When you open a checking account at most banks, you will receive a debit card in the mail within 7 to 10 business days. The card lets you withdraw cash and make purchases without writing checks. However, not every account comes with one — some banks charge a fee for a debit card, some require you to request it separately, and a few checking accounts (usually designed for specific purposes) don't offer cards at all.

The card arrives as a separate mailing after your account is set up. You'll need to activate it by calling the number on the back or using the bank's app or website before you can use it. Until then, you can still access your money through ATMs using a PIN, or by writing checks if the account includes a checkbook.

Key Takeaways

  • Most standard checking accounts include a debit card at no extra cost, arriving 7 to 10 business days after you open the account.
  • Some banks charge a monthly or annual fee for a debit card, while others offer it free but require you to request it during signup.
  • You must activate the card before using it, which you can do online, through the app, or by phone.
  • If your account doesn't come with a card, you can usually request one from your bank, though a fee may apply depending on the account type.
  • Until your card arrives, you can withdraw cash at ATMs or use checks if your account includes a checkbook.

When a debit card is included automatically

Most major banks — including Chase, Bank of America, Wells Fargo, and Citibank — include a debit card with their standard checking accounts at no charge. The card is mailed to the address you provided during signup. You don't have to ask for it or pay extra; it's part of the account.

The timeline varies slightly by bank. Some send the card within 5 business days; others take up to 10 or 14 days. If you need cash before the card arrives, you can visit a branch with your ID and withdraw from your new account, or use your temporary debit card number (if the bank provides one through its app) to make online purchases.

Accounts that charge a fee for a debit card

Some checking accounts, particularly those marketed as low-cost or specialty accounts, charge a separate fee for a debit card. This might be a one-time fee of $5 to $15, or an annual fee of $10 to $25. Online banks and credit unions sometimes structure their accounts this way to keep the base account fee lower.

Before you open an account, check the fee schedule or terms document — usually labeled "Pricing" or "Fee Schedule" on the bank's website. If a debit card fee is listed, you'll know to expect it. Some banks let you decline the card entirely if you don't want to pay the fee, though this limits how you can access your money.

Accounts where you must request the card separately

A smaller number of banks require you to request a debit card during signup or after your account opens. This is common with some online banks and credit unions. If the option isn't offered automatically, log into your account online or call the bank to request one. The request usually takes a few minutes, and the card will be mailed to you within the standard timeframe.

Some banks also let you choose whether to receive a physical card or use a digital wallet (Apple Pay, Google Pay, or Samsung Pay) instead. If you choose digital only, you won't receive a physical card in the mail, but you can still make purchases and withdraw cash.

Checking accounts without debit cards

A few checking accounts don't offer debit cards at all. These are usually specialty accounts — such as accounts designed for minors, accounts with spending restrictions, or accounts tied to specific programs. If you're opening one of these accounts, the bank will tell you upfront that no card is included.

If your account doesn't come with a card and you need one, contact the bank to ask whether you can upgrade to a different account type or request a card as an add-on. Some banks will issue a card for a fee; others will direct you to a different account that includes one.

How to activate your debit card

Once your card arrives, you must activate it before you can use it. Most banks offer three ways to do this: online through your account dashboard, through the mobile app, or by calling the customer service number printed on the back of the card. Activation usually takes less than a minute and requires you to verify your identity or confirm recent transactions.

Until you activate the card, it won't work at stores, ATMs, or online. Some banks send a temporary card number through the app so you can make online purchases while waiting for the physical card to arrive and be activated. Check your bank's app or website to see if this option is available.

What to do if your card doesn't arrive

If more than 14 business days have passed and your card hasn't arrived, contact your bank. Call the customer service number on your account statement or visit a branch in person. The bank can check the mailing status, resend the card, or issue a replacement if it was lost in the mail.

If you need cash immediately, you can withdraw from an ATM using a temporary PIN (ask the bank how to set one up), visit a branch with your ID, or use a digital wallet if your bank supports it. Some banks also offer rush card delivery for a fee, usually $15 to $25, if you need the card faster than standard mail.

Frequently Asked Questions

Can I use my checking account before the debit card arrives?

Yes. You can withdraw cash at ATMs using a PIN, write checks if your account includes a checkbook, or set up direct deposit for paychecks. Some banks also let you add your account to a digital wallet (Apple Pay, Google Pay) before the physical card arrives, so you can make purchases right away.

Do I have to accept the debit card if I don't want one?

Usually yes — most banks include it automatically and will mail it whether you request it or not. However, you can call the bank and ask them not to send it, or you can simply not activate it when it arrives. Some accounts do let you decline the card during signup if a fee applies.

What if my debit card is damaged or doesn't work?

Contact your bank's customer service line or visit a branch. They can order a replacement card, which typically arrives within 7 to 10 business days. Many banks offer rush replacement for a fee if you need it sooner. In the meantime, you can use ATMs, checks, or a digital wallet to access your money.

Can I get a second debit card for the same account?

Yes, most banks allow you to order additional cards linked to the same checking account. This is useful if you want a backup card or want to give a family member access to the account. Some banks charge a small fee per additional card; others include it free. Contact your bank to request one.

Is there a difference between a debit card and a credit card from the same bank?

Yes. A debit card draws money directly from your checking account balance. A credit card borrows money from the bank, which you pay back later. Most checking accounts come with a debit card, not a credit card. You would need to open a separate credit card account if you want one.