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The U.S. Bank Visa® Debit Card makes it easy to turn everyday purchases into benefits.
The simplest way to spend is now the easiest way to get rewarded and save when you use your U.S. Bank Visa Debit Card.
- Earn cash back where you already spend. Get personalized cash-back offers at your favorite restaurants, retail stores, entertainment and more. When you find a deal, activate it and shop online or in-store with your card. Cash back is credited to your U.S. Bank checking account.
- Build savings with Spend & Save. Transfer a preset amount ($0.25 to $5) from your U.S. Bank checking account to your savings account each time you make a purchase with your card. Log in to your account and choose Plan & track.
- Get discounts. Save 5% on cards for every gift-giving occasion at The Gift Card Shop.
- Your debit card is safer than cash:
- Zero fraud liability. Zero worries. You’re not responsible for unauthorized purchases.1
- Peace of mind is built in. Fraud detection notifies you of unusual card activity.
- Lock it for safety. Lose you card? You can instantly lock it using the U.S. Bank mobile app.
- Security Center. Access fraud-prevention resources on the mobile app and 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 select Accounts, then Manage cards.
- Call 800-872-2657
- Visit a nearby U.S. Bank branch.
We’ll mail your card to you. Once it arrives, you can activate it and create your PIN.
Earn rewards with your debit card.
Eligible debit cards are automatically enrolled to receive personalized cash-back deals when available. Shop at participating stores, pay with your debit card and earn cash that’s deposited directly into your checking account.
Already have a U.S. Bank Visa debit card? Activate your cash-back deals now in the mobile app or online banking.
Choose an eco-friendly debit card.
- Made from plastic that would have otherwise gone out to sea
- Better for the oceans
- Safer than cash
Austin Peay State University Govs
San Diego State University
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University of Wisconsin-Stevens Point
Western Kentucky University
Eco-friendly school card options
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Central Washington University
Gonzaga University
University of Central Missouri
University of St. Thomas
University of San Diego
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U.S. Bank debit card
Rest easy. We’ve got you covered.
Your money and data are protected with:
- Zero fraud liability1
- The industry’s strongest available encryption
- Security alerts
Common questions about debit cards
Debit card overview
A debit card is 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.
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.
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.
Open your first bank account or learn how to open an account for a minor.
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 apply online for a debit card if you have a U.S. Bank checking account. Simply log in to your online account and navigate to the Customer Service page.
Debit cards are directly linked to your checking account, allowing you to access funds you’ve already deposited in the bank. When you use a credit card, you’re borrowing money from the card provider that you need to pay back at a later date.
Using your debit card
A debit card’s CVV, or card verification value, is the three-digit number typically found on the back of the card. It provides additional security for your account and reduces fraudulent use during online and over-the-phone purchases.
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.
Get more details about overdraft options.
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 on how to report a lost or stolen debit card.
You can reset it via the mobile app, via online banking or by phone.
Learn how to reset your PIN.
You can securely recycle your expired or unused debit and credit cards at any U.S. Bank branch. Your cards are securely destroyed and recycled using a waste-to-energy process.
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