What is a debit card?

It’s a bank card that lets you easily access money in your checking account. Use it instead of cash or checks for everyday purchases, such as gas and groceries. You can also use it to pay bills and make online purchases.

How does a debit card work?

When you use a debit card, the money is taken out of your checking account immediately. You must have enough money in your account to pay for the purchase. There is no credit or bill to be paid later.

If you’re paying in person, swipe, insert or tap your card at checkout. You may be asked for your PIN or signature.

For online and phone purchases and transactions, provide your card number, expiration date and CVV code. If you don’t have your card handy, you can access your card information via virtual card.

You may also use your debit card as an ATM card. Just insert your card and enter your PIN.

Enjoy the benefits of a U.S. Bank Visa® Debit Card.

  • Pay for purchases anywhere: It’s accepted at millions of retailers worldwide.

  • Never miss a payment: Set up recurring payments and auto pay.

  • Leave the wallet at home: Add your card to your digital wallet, Venmo and PayPal.

  • Manage your money easily: Track your transactions in realtime and set up text and email alerts1, 2 on the U.S. Bank Mobile App or Online Banking.
Learn more

Get your debit card today.

Open a U.S. Bank checking account and then do any one of the following:

  • Log in through the mobile app and go to Manage cards.

  • Log in via online banking and go to Customer Service.

  • Call 800-872-2657.

  • Visit a nearby U.S. Bank branch.
     

We’ll mail your card to you. Your PIN will arrive separately for your safety. Once you receive them, activate your card.

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Your money and data are protected with:

  • Zero fraud liability3
  • The industry's strongest available encryption
  • Security alerts
Learn more

Debit card FAQ

The CVV (card verification value) on a debit card is the three-digit number found on the back of the card. It provides additional safety and security for your account and reduces fraudulent use.

You need a U.S. Bank checking account to have a U.S. Bank Visa® Debit Card. If you’re 18 or older, you may open an account online or at a branch. If you’re 13 through 17, you may open a joint account with an adult.

Learn how to open an account for a minor Learn how to open your first bank account

Yes. A business debit card lets you make purchases directly from your U.S. Bank business checking account anywhere Visa is accepted in person, online or over the phone.

Learn about the U.S. Bank Business Visa Debit Card

You can opt into ATM and Debit Card Overdraft Coverage. If you say ‘yes’ to this coverage, U.S. Bank may pay ATM and everyday debit card transactions that would result in a negative available balance in your account and cause a fee. If you say ‘no’, these transactions will be declined, and you won’t be charged an Overdraft Paid Fee. Overdraft coverage does not apply to the Safe Debit account.

Learn about overdraft options

Yes. If you have an eligible card, you’re automatically enrolled and will receive cash-back deals when available. Cash-back deals are personalized to you and are deposited directly into your checking account.

Learn about cash-back deals

Close and replace your card on the mobile app, online or by calling us. We’ll deactivate it and send you a new one. You’ll also have the option to just lock your card, so you have time to look for it.

Get directions

You can reset it via the mobile app, via online banking or by phone.

Learn how to reset your PIN

Search locations
Log in to your account(s)
Call 800-872-2657
Make an appointment
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Disclosures

  1. Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges. Please be advised that the alerts may not be sent immediately.

  2. Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

  3. Zero fraud liability – U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement (PDF) for details.

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Deposit products are offered by U.S. Bank National Association. Member FDIC.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

The U.S. Bank Visa® Debit Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.