Same-Day Debit Cards: Best Banks and Providers Where You Can Get a Debit Card Immediately

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If you need a same-day debit card, you don’t want to wait days or weeks for a bank to mail one. Fortunately, many banks and financial institutions now offer instant debit cards you receive on the spot or use virtually within minutes. Whether you need a physical card for in-store purchases or a virtual debit card for online shopping, this guide will help you find the best same-day debit card banks and providers.

What Are Same-Day Debit Cards?

Same-day debit cards are cards that you can receive on the same day that you apply for them. You can use a virtual debit card while waiting for a physical card to arrive in the mail. These cards allow you to make transactions right away instead of waiting for a mailed card. Some banks offer instant virtual debit cards that can be used for online and mobile transactions immediately.

What Should You Do if You Lose Your Debit Card?

If you’ve lost your debit card, you should call your bank’s fraud prevention number, typically listed on the bank of your debit card or the bank’s website. You can also visit a branch or use your bank’s mobile app to notify them.

Report your debit card lost or stolen immediately, so you won’t be held liable for charges on the account. Some banks allow you to temporarily turn your debit card off in their mobile app. If you’ve misplaced your card, you can turn it on again when you find it. You can avoid the hassle of ordering another card.

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, like 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 providing same-day virtual debit cards when you open an account or 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. You can lock your debit card at any time through the Chime app. Chime’s virtual cards are permanent and can be used for online purchases.

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 55,000 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. Current’s virtual cards don’t expire before the physical card, and you can activate or deactivate your card right from the mobile app.

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. You can use your virtual debit card even after you have received your physical debit card. You can freeze or unfreeze your card with a single toggle in the SoFi app.

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. You can instantly freeze your virtual debit card if necessary.

Chase

Chase no longer offers on-demand debit cards to its personal banking customers. But you can log in 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. You can freeze the card right away in the Chase app or online if you detect suspicious activity.

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. Cardholders can freeze their virtual debit cards with a few clicks if needed.

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. Here are some of the best options for consumers:

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 a 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.

How Do Same-Day Debit Cards Work?

Same-day debit cards are virtual cards that you can use right away. Banks will provide your virtual card number and other details before your physical card arrives. Most banks allow you to make purchases with a virtual debit card even after you receive a physical debit card in the mail.

• In-Branch Issuance: Visit a bank branch that offers same-day debit cards and provide ID and account details.
• Instant Virtual Card: Some banks generate a virtual card immediately upon approval.
• Activation: Most cards are ready for use immediately after issuance, with PIN setup required.

Benefits of Same-Day Debit Cards and Virtual Debit Cards

The main advantages of virtual debit cards are their convenience and security. You can make purchases right away and instantly freeze your card if necessary. Virtual debit cards are one of the advantages of digital banking, as many online financial institutions offer this perk.

• Immediate access to funds: No waiting for a mailed card.
• Convenience: Great for urgent payments or when replacing a lost card.
• Enhanced security: Virtual cards protect your primary account information.
• Compatibility with mobile wallets: Easily add virtual cards to Apple Pay, Google Pay or Samsung Pay.

Requirements to Get a Same-Day Debit Card

The requirements to get a same-day debit card are the same ones you need to open a Checking Account. You will have to provide your ID and other personal details. Some banks also require a minimum deposit to open an account.

• Valid ID: Government-issued identification is required for in-branch issuance.
• Active Checking Account: Most banks require you to have an account before issuing a card.
• Minimum Deposit: Some banks require an initial deposit to activate the account.

Check with your bank beforehand to ensure you meet all requirements for same-day card issuance.

How to Use Same-Day Debit Cards for Immediate Purchases

The process for using a same-day debit card for purchases is the same for physical debit cards. You have to enter the card’s information on an online merchant’s site to complete a purchase. You can also add your virtual card to your Apple Wallet or Google Wallet to make purchases at retail stores that accept those payment methods.

• Physical Cards: Swipe or insert into a card reader just like a regular debit card.
• Virtual Cards: Use for online shopping, subscriptions, and digital wallet payments.
• ATM Access: Withdraw cash from ATMs immediately after activation.

Are Same-Day Debit Cards Secure?

Same-day debit cards are secure, and most banks also let you freeze your virtual debit card with a few clicks in case the information gets leaked. Banks invest in data encryption and require that you provide a PIN number for your debit card as added layers of security. Debit card issuers also have fraud protection in place, so you can get reimbursed for unauthorized transactions if you quickly contact the bank.

Banks implement several security measures to protect same-day and virtual debit cards:

• Fraud Monitoring: Real-time alerts for suspicious transactions.
• Card Locking: Most banks allow you to lock your card via the mobile app.
• Chip & PIN Protection: Physical cards feature EMV chip technology for added security.
• Tokenization for Virtual Cards: Helps prevent fraud by masking real account details.

Things to Keep in Mind When Getting a Same-Day Debit Card

It’s good to compare each debit card’s fees, withdrawal limits and eligibility requirements before deciding on the right card for you. However, consumers should also check what each bank offers, in addition to a same-day debit card.

• Availability May Vary: Not all branches offer instant debit cards; check ahead.
• Potential Fees: Some banks charge for same-day issuance or expedited shipping.
• Temporary vs. Permanent Cards: Some instant cards may be temporary until the permanent card arrives.

Final Thoughts to GO: Find the Best Instant Debit Card for Your Needs

Whether you need a physical debit card today or an instant virtual card for online purchases, there are plenty of banks offering quick solutions. If you need a card for in-store purchases, visit a bank branch that provides same-day debit card issuance. If you prefer an instant virtual debit card, Chime, SoFi and Cash App provide excellent digital options.

Compare banks and sign up for the best same-day debit card that fits your needs!

Data is accurate as of Feb. 11, 2025, and is subject to change.

*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.

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