What Banks Give You a Debit Card On Spot Without Additional Fee?

Majority of the banks require you to wait up to 5 business days to mail the debit card when you open an account and request for one. Luckily, now you can find out what banks give you a debit card on spot so you have an immediate backup in case the card is stolen or misplaced!

What Banks Give You a Debit Card on Spot?

A debit card is what makes a bank checking account worth having. It is easy to carry, allows for swift ATM withdrawals if you need cash and always comes in handy for online shopping using bank account.

Therefore, it can be a nightmare to lose your card or have it misplaced. Before things become too inconvenient, we opt to get a new debit card as a replacement but it is always a heartbreak to find out that the process to get a new one issued can take 3 to 5 business days.

• There are some banks and credit unions that print non-personalized cards at specific branches so customers can get a new debit card on spot.

There won’t be days of waiting. Intead, the card will be ready for you in minutes. Before we explain how the instant-issue debit cards work and if they are any different from the ordinary card, let’s take a look at some of the banks and credit unions that give you debit cards on spot.

You might be interested in reading: How To Transfer Money From One Debit Card to Another?

First National Bank and Trust Company

• Both, new and the existing members can get instant-issue debit cards at the bank.
• Moreover, they can avail of free rewards everytime they use the cards for payments.
• It is one of the most reliable financial institutions in the US that gives you debit card on spot.
• The instant-issue debit cards are available at all the branches of First National Bank and Trust Company.

Navy Federal Credit Union

• Both, new and the existing members can get instant-issue debit cards at the bank.
• The debit cards issued here can also be used overseas to make international payments.
• Moreover, the debit card hosts benefits like the Zero Fraud Liability.
• You can get the debit card issued instantly at any of its open branch.

TD Bank

• Current and new users can get the bank’s debit card printed on spot.
• You can opt for a replacement card later on if needed.
• Moreover, it is possible to pickup the replacement card on the same day or within 24 hours.
• TD Bank has multiple branches spread all over Eastern US but only a few locations promise to provide debit cards on spot.

PNC

• Current and new users can get the bank’s debit card printed on spot.
• You can get Classing Orange debit card instantly.
• You can also receive the Virtual Wallet cards instantly.
• This feature is available in more than 2,000 branches of the bank around the United States.

American National Bank & Trust Company

• Current and new users can get the bank’s debit card printed on spot.
• The card comes with features like alerts and in-app notifications of transactions.
• You can also set spending parameters through its mobile banking app.
• American National Bank & Trust Company has established most of the branches in North Carolina and Virginia.

Altra Federal Credit Union

• Current and new users can get the bank’s debit card printed on spot.
• The Altra Federal Credit Union allows customers to choose from more than 48 designs when getting a debit card.
• In fact, more than 40 designs feature school colors and mascots as well which is quite interesting.
• This feature is not available at all of the bank branches. You can avail of it at selective locations in Texas, Wisconsin, Minnesota, and Tennessee.

Huntington Bank

• It offers instant-issue debit card but only as a replacement to new and existing customers until their actual, permanent card is ready to mail.
• Users can lock and unlock the card using mobile app features.
• Moreover, the debit card hosts benefits like the Zero Fraud Liability.
• Instant-issue debit cards are available at all of the Huntington Bank branches.

First United Bank & Trust

• Current and new users can get the bank’s debit card printed on spot.
• The card designs can be personalized as per user’s liking.
• The debit card includes a chip for tracking and contactless payments.
• Instant-issue debit cards are available at all of the First United Bank & Trust branches.

Republic Bank

• The Republic Bank offers instant-issue debit cards to existing customers only.
• You can use the card through the mobile app control features and set up alerts as well for additional security.
• Moreover, the debit card transactions are protected through one-time passcodes especially when you shop and pay online.
• The Republic bank has centers in New York, Pennsylvania and New Jersey that issue debit cards on spot.

IBC Bank

• Current and new users can get the bank’s debit card printed on spot.
• You will get access to exclusive offers through the debit card as well.
• There are additional perks to using the Visa debit cards.
• Instant-issue debit cards are available at all of the IBC Bank branches.

NBT Bank

• Both, new and the existing members can get instant-issue debit cards at the bank.
• The debit card hosts interesting features like automatic fraud alerts and more.
• You can get it in multiple states but at selective branches within the states only.
• Some of these select branches are located in New York, Vermont, Pennsylvania, New Hampshire, Massachusetts, and Connecticut.

STCU

• Current and new users can get the bank’s debit card printed on spot.
• The debit cards here have additional security features.
• You can set the debit card PIN at the time of pickup.
• Instant-issue debit cards are available at all of the STCU branches.

Extra Reading

List of Banks That Don’t Give You a Debit Card on Spot

As we mentioned before, the service to get a new debit card issued and activated immediately is not provided by all banks. Some of the banks and credit unions where you can not get debit card on spot are listed below.

• Wells Fargo
• Chase
• CITI Bank
• Bank of America
• US Bank
• Branch Banking and Trust Company
• First Midwest Bank
• Key Bank
• CIT Bank
• HSBC

Instant-Issue Debit Cards vs Ordinary Debit Cards

The only different between an ordinary debit card and the one given on spot is the time it takes for you to receive it. Instant-issue debit cards are printed right there so you will get them in a couple of minutes.

• You can think of it as an additional benefit that some banks provide so their customers can get their cards printed and activated in the branch.

There is no difference in the features and benefits of the card. Both of them have Mastercard or Visa logo printed as per your selection. Moreover, both of these can be used for ATM withdrawals, online purchases, bill payment, phone bill payment, etc.

Although the debit card will be given to you immediately, there are some minutes of wait involved in which the bank employee will print the card for you. Here’s how the process works.

1. Customer will request the bank employee for an instant-issue debit card.
2. The bank employee will look into customer’s bank account details before confirmation.
3. He or she will then insert a non-personalized card into debit card printing machine.
4. The customer’s name and banking information will be printed on to the card.
5. It will take a couple of minutes to get the personalized card ready for use.

Attention! Many banks promise to give debit cards on spot but it depends on their hardware or software how the debit card is prepared. You may get it embossed or unembossed.

The Bottom Line

So this was the complete list of banks and credit unions where you can get a debit card on spot. Moreover, they do not charge any extra fee for providing you with the card immediately. Obviously, you will need to open a checking account in the specific bank from where you want to obtain the card right away.

Frequently Asked Questions

Whare are some of the bank that can give me the credit card on the same day I visit?

Capital One Platinum card, Fortiva Mastercard, Discover it credit card, etc. are some options that you can consider if you need credit card to be issued on the same day.

Are there banks that print debit cards on spot?

First United Bank is the best option when you are looking for instant-issue debit card. It will print the card for you right away and you can be done with the process in no time.

How to apply for a debit card instantly?

You can apply for a debit card by calling the bank’s customers support service and requesting them for it. The representative will ask for certain details like the account number or the contact address. Similarly, you can apply for a debit card through the mobile banking app or their official website.

Is it possible to get an instant debit card with Wells Fargo bank?

The bank does provide a debit card instantly but only in the case if your previous card is stolen or lost. The instant-issue debit card is given as a replacement until the new one arrives in mail.

Can you get a debit card on spot from the Chase bank?

Unfortunately, Chase does not provide debit cards instantly. When you apply for one, it will take up to 5 business days for the card to arrive. If you are in need of a debit card instantly, you should consider alternative banks like PNC or Navy Federal.