Same-Day Debit Cards: Best Banks and Providers Where You Can Get a Debit Card Immediately
It’s not easy to find banks that give debit card the same day you open your account or that issue replacement same day debit cards if you’ve lost your card. However, a handful of traditional banks do offer instant-issue debit cards when you visit a branch.
Both traditional banks and neobanks commonly offer same-day virtual debit cards that you can add to a digital wallet and use immediately.
What Should You Do if You Lose Your Debit Card?
If you’ve lost your debit card, it’s important to put a stop on your account and report that card as lost or stolen immediately. You can do this by calling your bank’s fraud prevention number, which is typically listed on the bank of your debit card or on the bank’s website, stopping into a branch or using your bank’s mobile app.
Report your debit card lost or stolen immediately, that way you won’t be held liable for charges on the account. Some banks allow you to turn your debit card off temporarily in their mobile app. That way, if you’ve misplaced your card, perhaps in the laundry, the pocket of your pants, or in another bag you carry, you can turn it on again when you find it. You can avoid the hassle of ordering another card.
But, if you can’t find your card and you need to request a new one, some banks provide same day debit cards.
Financial Institutions that Offer Instant Virtual Debit Cards
It’s more common to find financial institutions that offer instant virtual debit cards than physical cards. You can use your virtual account number to make purchases online. You can also add your virtual debit card to your virtual wallet, such as Google Pay or Apple Pay, to make purchases in stores that accept digital wallet payments through your phone.
Here are some top-rated banks and fin-techs that provide same-day virtual debit cards when you open an account or to replace a lost or stolen card.
Chime®
Chime* is an online-only financial institution with no monthly service fees1 and no minimum to open an account. Rated 4.5 stars by GOBankingRates, and named one of the Best Neobanks and Best Checking Accounts of 2023, Chime offers the added convenience of supplying a virtual debit card, the Chime Visa® Debit Card2, when you open your account, according to various online sources.
Your physical card should arrive in the mail within 7 to 10 business days. Although Chime is not a bank, your deposits are FDIC-insured through The Bancorp Bank, N.A., or Stride Bank, N.A.
Current
Current is an online financial tech company backed by Choice Financial Group, member FDIC, and Cross River Bank, member FDIC. Current is a free account with no minimum balance requirements, no annual fees and no bank transfer fees. It’s free to withdraw money with your Current debit card at more than 40,000 ATMs in the Allpoint network.
Current offers a virtual Visa debit card that you can load into your Apple Pay or Google Pay digital wallet to start spending, and earning cash back rewards, immediately.
SoFi
SoFi earned multiple awards from GOBankingRates in 2023, including Best Neobank, Best Online Bank, Best Checking Account, and Best Online and Neobank Savings, and received 4.9 stars out of 5. SoFi is a full-service online financial company with high interest rates for checking and savings, no fees, no monthly minimum balance requirements and a generous rewards program.
Plus, you can add your virtual SoFi Money debit card to your digital wallet as soon as you open your account. It takes 7 to 10 business days to receive your physical debit card in the mail, according to SoFi.
Revolut
Revolut is an online financial services company offering savings and spending accounts, along with fee-free crypto trades, no commission stock trades, foreign currency exchange and other features. Rated 4.8 stars by GOBankingRates, the online neobank is best for beginning retail investors and those who frequently make transactions overseas.
To get your free Revolut virtual card, you’ll need to login to the Revolut app. Choose a “Virtual card” or a “Disposable Virtual card.” You can add the number to your Google Pay digital wallet, or use the card number and CVV code for making online purchases.
A disposable virtual card is best for one-time online purchases where you do not wish to give out your financial information, while a regular virtual card can live in your digital wallet for in-store and online purchases every day.
Chase
Chase no longer offers on-demand debit cards to its personal banking customers. But you can login to your Chase account through the app or a web browser and request a virtual card, which you can add to your Google Pay, Samsung Wallet or Apple Pay wallet for online or in-store transactions.
Bank of America
Debit cards from Bank of America, Member FDIC, can take four to six business days to arrive in the mail. But you can use the Bank of America mobile app to request a digital card that you can add to your digital wallet.
Best of all, Bank of America virtual debit cards can be used in stores, online and at Bank of America cardless ATMs, so you can withdraw cash even without a physical card in your hand.
Banks That Offer Same-Day Debit Cards
A handful of banks across the U.S. still offer same-day debit cards if you request one at a branch.
TD Bank
TD Bank is known for its customer service and extended business hours, along with 24/7 customer service by telephone. TD Bank is also one of the few banks that provides a new instant issue debit card as a replacement card or when you open a new account.
As with many other banks, you can also obtain a digital replacement card online or through the TD Bank app.
Citizens Bank
Citizens Bank is a traditional bank with brick-and-mortar locations in 11 states across the Midwest, Northeast, Mid-Atlantic, and Florida. Rated 4.7 stars by GOBankingRates and named one of the Best Banks of 2023, Citizens Bank has a century-long history dating back to 1921.
The bank is one of the few in the U.S. that still offers instant debit cards when you request a replacement card or open a new account at a branch.
Bippus State Bank
Bippus State Bank has been serving consumers and businesses even longer than Citizens Bank. Founded in 1911, the bank is headquartered in Huntington, Indiana with a handful of locations in the state.
If you happen to be a local Bippus business customer, you can get an instant-issue Mastercard debit card immediately from the bank’s main branch in Huntington.
First Fidelity Bank
Like Bippus, First Fidelity Bank is a regional bank with a long history, dating back to 1920. First Fidelity has branches across Oklahoma, Arizona, and Colorado, making it easier to stop in if you need replacement debit card.
Whether you just opened a new account or need a replacement card, First Fidelity Bank offers “Instant Issue” debit cards at any branch.
Your FFD debit card also provides rewards for signature and PIN-based transactions in the form of points you can cash in for travel, electronics and more.
First United Bank
Headquartered in Durant, Oklahoma, First United Bank is a regional bank with 80 branches in Oklahoma and Texas. The faith-based financial institution strives to “inspire and empower others to Spend Life Wisely.”
With this mission in mind, the bank offers a variety of checking and savings products to help consumers achieve their financial goals. When you open a First United checking account at a local branch, you will leave that day with your debit card, printed on demand at the branch.
Final Take
While not every bank offers physical debit cards on the same day, anymore, most banks and neobanks provide virtual debit cards that you can use with a digital wallet.
FAQ
Here are more answers about using same-day debit cards.
Can you get debit card instantly?
You can get a debit card instantly as a customer of several banks across the U.S. These include TD Bank, Citizens Bank, First Fidelity Bank and First United Bank. You'll have to stop into a branch, provide your account number and show photo ID to get a new card.
Do banks give debit cards on the same day?
Most banks no longer issue same-day debit cards, but some do. Review the list above to find banks and neobanks that provide same-day physical debit cards or virtual cards that you can use online and anywhere digital payments are accepted.
Does Chase give same-day debit cards?
Chase no longer offers same day debit cards printed on-demand at their branches. But you can request a virtual debit card and add it to your Google Pay, Samsung Pay, or Apple Pay wallet to make purchases online and in stores immediately.
Do banks still give out temporary debit cards?
Banks used to hand out temporary debit cards in their branches if you opened a new account or lost your card. Very few banks hand out same-day debit cards anymore, but some do. More commonly, banks offer virtual debit cards that you can load to your digital wallet to make purchases online and in stores that accept digital wallet payments.
*Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC
1There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
2Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
This article originally appeared on GOBankingRates.com: Same-Day Debit Cards: Best Banks and Providers Where You Can Get a Debit Card Immediately
