There’re several ways you can activate your debit or credit card. Using online banking, the U.S. Bank Mobile App, or by phone.

You’ll need the card number, expiration date, and three-digit code on the back (i.e., CVV code). Please note, this process applies to personal and business debit and credit cards.

Important: If you have not received the physical card, please do not activate it. This will help protect you from any unauthorized activity if someone else tries to use it.

To activate your debit or credit card using online banking 

1. Select Accounts at the top of the page, then choose Manage cards.
2. In the Control section, choose Activate card.
3. Choose the card that needs to be activated, then choose Continue.
4. Enter the card information requested, then select Activate.
   Business accounts only: The business owner can activate up to 30 cards at the same time during this step. Just enter the information for each before selecting Activate.

To activate your debit or credit card using the U.S. Bank Mobile App

1. Open the main menu and select Manage cards.
2. Choose the card that needs to be activated, then select Activate card.
3. Select Activate if the card is in your possession.
4. Enter the card information requested, then select Activate.
   Business accounts only: The business owner can activate up to 30 cards at the same time during this step. Just enter the information for each before selecting Activate.

To activate your debit or credit card by phone

• Contact us at the number on the activation sticker and follow the prompts from the automated phone system.
  OR
• Call the applicable number below. When you reach the main menu say something like, “Activate card” and follow the prompts from there.
  • Credit cards: 800-285-8585
  • Debit cards: 800-USBANKS (872-2657)

More information

• Debit cards: Once your card is activated, you can select a PIN of your choice. See also: How do I select or change my ATM or debit card PIN?
• Credit cards: A PIN is NOT automatically sent when a credit card is issued. PINs are usually needed for cash-based transactions and credit cards are typically not used for this purpose. If you’d like to set a PIN for your credit card, see also: How do I request a PIN for my credit card if I've never had one before? and How can I change the PIN on my credit card?
• All cards:
  • After the card is activated:
    • Remove the sticker.
    • Sign the back of your card.
      Business accounts: If the card belongs to someone else (e.g., an employee card), have that person sign the newly activated card.
    • Destroy any cards previously issued.
  • Updated your card information with any merchants that have your card information on file. See also: How do I find out which merchants or billers have recurring charges on my credit card?

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.