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 alerts12 on the U.S. Bank Mobile App or Online Banking.

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.

Rest easy. We’ve got you covered.

Your money and data are protected with:

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

Debit card FAQ

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  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.

By clicking Apply, 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.