Open a bank account with a bank or credit union that offers debit cards
Provide the required identification and personal information
Complete the account opening application
Choose the account type that includes debit card access
Request a debit card during account setup if needed
Wait for the bank to issue and mail the debit card
Activate the debit card using the bank’s app, website, ATM, or phone system
Set or change the PIN if required
Use the debit card for purchases, ATM withdrawals, or online payments
Contact the bank to replace, renew, or reissue the debit card if needed