Check if you want a bank-issued debit card or a prepaid debit card
Choose a provider (your bank, credit union, or a prepaid card company)
Open an account (if needed) and complete identity verification
Link your account to the debit card account type you want (checking or prepaid balance)
Submit the application online or in branch (if offered)
Review and accept terms and fees (ATM fees, monthly fees, replacement fees)
Wait for approval and card issuance
Receive the card by mail or pick it up in branch
Activate the card using the app, website, phone, or ATM instructions
Set up PIN at the ATM or through the provider’s activation process
Add the card to mobile wallet (optional)
Test the card with a small purchase or ATM withdrawal
If you need a replacement, request one through the provider’s app or support line