Debit cards

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.

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.