{"id":4580,"date":"2021-08-24T20:05:02","date_gmt":"2021-08-24T20:05:02","guid":{"rendered":"https:\/\/www.onlinelogomaker.com\/blog\/the-ultimate-guide-to-getting-new-debit-cards\/"},"modified":"2021-08-31T14:23:44","modified_gmt":"2021-08-31T14:23:44","slug":"the-ultimate-guide-to-getting-new-debit-cards","status":"publish","type":"post","link":"https:\/\/www.onlinelogomaker.com\/blog\/the-ultimate-guide-to-getting-new-debit-cards\/","title":{"rendered":"The Ultimate Guide to Getting New Debit Cards"},"content":{"rendered":"\n<p>Need to make a big purchase but don\u2019t want to overspend? Ditch your credit cards, which can rack up some pretty serious interest and encourage you to spend funds you don\u2019t have. A debit card is a perfect solution \u2014\u00a0it\u2019s the plastic version of cold hard cash, so you won\u2019t spend more than you have in your checking account.<\/p>\n<p>And when you apply for a debit card, you\u2019ll be in good company. The Federal Reserve Bank of Francisco found <a href=\"https:\/\/www.frbsf.org\/cash\/publications\/fed-notes\/2019\/june\/2019-findings-from-the-diary-of-consumer-payment-choice\/\" rel=\"nofollow\">debit cards<\/a> to be the most used financial instruments, surpassing cash and credit cards.<\/p>\n<p>But how are you supposed to open a new debit card? Below, you can learn everything you need to know about opening debit cards responsibly.<\/p>\n<h2>1. Choose Your Account<\/h2>\n<p>The first step is to choose an account that\u2019s right for you. Now, you shouldn\u2019t select the first account provider you stumble across. Your search should involve heavy research and a comparison of essential factors.<\/p>\n<p>When you\u2019re <a href=\"https:\/\/www.cnbc.com\/select\/how-to-choose-checking-account\/\" rel=\"nofollow\">choosing a debit card<\/a>, keep an eye out for these key determinants:<\/p>\n<ul>\n<li>ATM networks<\/li>\n<li>Fees<\/li>\n<li>Rewards and interest<\/li>\n<li>Mobile app capabilities<\/li>\n<\/ul>\n<p>Some of these factors will matter to you more than others. For example, if you\u00a0hardly use physical cash, you won\u2019t have to worry about finding a debit card provider with many accessible ATMs in your area.<\/p>\n<p>One non-negotiable factor is whether your account provides insurance from one of two agencies: the National Credit Union Administration (NCUA) or the Federal Deposit Insurance Corporation (FDIC). This insurance will keep your funds safe and reimburse you if your bank goes under.<\/p>\n<h2>2. Provide the Necessary Documentation<\/h2>\n<p>When you open a debit card, you\u2019ll need to provide two forms of ID. Some acceptable forms of ID include:<\/p>\n<ul>\n<li>Driver\u2019s license<\/li>\n<li>Social security card<\/li>\n<li>State identification card<\/li>\n<li>Passport<\/li>\n<li>Birth certificate<\/li>\n<\/ul>\n<p>Debit cards have few other eligibility requirements, so you don\u2019t have to worry about providing your credit score or other information.<\/p>\n<h2>3. Provide Your Initial Funds<\/h2>\n<p>Most banks will require you to supply a minimum opening deposit. These amounts can range from $25 to $100, but some require much higher amounts.<\/p>\n<h2>4. Open Your Account<\/h2>\n<p>Once you\u2019ve found the right\u00a0provider and have your ID and initial funds on hand, you can open your bank account.\u00a0<\/p>\n<p>Many institutions will let you open your account online. However, small branches will require you to open a debit card account in person.<\/p>\n<h2>5. Request a Debit Card<\/h2>\n<p>Depending on the specific account you open, you may or may not receive a physical card. Some institutions will have you request the card.<\/p>\n<p>If you get a virtual card (like the business ones from <a href=\"https:\/\/bentoforbusiness.com\/features\/virtual-debit-cards\/\" rel=\"nofollow\">https:\/\/bentoforbusiness.com\/features\/virtual-debit-cards\/<\/a>), you won\u2019t need a physical object at all. Instead, you\u2019ll just have to set some time aside to learn how to use it.<\/p>\n<p>At this point, you can load your card with funds via checks or cash. Before you can start spending the money on it, you\u2019ll need to activate it and set up a PIN. You can often complete these steps through your online banking account or mobile app.<\/p>\n<h2>Using Debit Cards Responsibly<\/h2>\n<p>Using debit cards is a great way to manage your money. As long as you do your research before you open one and follow basic security tips (like choosing a not-obvious PIN), you\u2019ll be in good shape.<\/p>\n<p>For more financial tips, check out other articles on our site!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Need to make a big purchase but don\u2019t want to overspend? Ditch your credit cards, which can rack up some pretty serious interest and encourage you to spend funds you don\u2019t have. A debit card is a perfect solution \u2014\u00a0it\u2019s the plastic version of cold hard cash, so you won\u2019t spend more than you have [&hellip;]<\/p>\n","protected":false},"author":99,"featured_media":4581,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1607],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Ultimate Guide to Getting New Debit Cards &bull; Online Logo Maker&#039;s Blog<\/title>\n<meta name=\"description\" content=\"Need to make a big purchase but don&#039;t want to overspend? 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