How To Get Your First Debit Card

You may have a relative a parent for example who s willing to help you get your first credit card by cosigning with you.

How to get your first debit card. Just about anywhere you can use a credit card including online. If you want to use contactless please be aware that you need to complete a chip and pin transaction first to activate for example an atm withdrawal or a transaction via chip and pin at a retailer. Agree upfront that you ll be responsible for making the payments on time each month and that you ll abide by all the credit card terms. The best first time credit card for you may be a secured card or student credit card. You may need to enter your pin or cvv the 3 digit code on your card and some places like gas stations may place a hold on your account for more than the purchase amount.

With secured cards your credit line will equal the amount of the required one time cash deposit after you are approved. Make sure you have enough to cover it. If you use your debit card at the supermarket checkout for instance the card reader will usually ask whether you want to pay by debit or credit after you swipe your card. Debit cards can be used as soon as you receive your card and pin. To make cardless transactions you may be able to use your bank s mobile app or you can add your debit card to a mobile wallet like apple pay.

If you select debit you will have to enter your pin number to complete the transaction. In fact americans now use debit cards more than twice as often as credit cards according to recent federal reserve statistics. Updated may 5 2017 by yowana wamala. Bring this information as well as a valid email address to your bank where you will then have to fill out an application. For questions related to your account or to discuss confidential information call 540 389 0244 local or 866 389 0244 toll free to speak with a personal banker or send us a secure message through your online banking portal.

Putyour card to work. To open a checking account you will need to gather your social security number driver s license and any current employment information. I need to query dispute a transaction on my first direct debit or credit card. Cosigning is risky any mistakes you make will affect yours and the cosigner s credit but it can be a good way to jumpstart your credit. In order to get a debit card first you have to open a checking account.

For account safety and security the only place you ll be able to see your full debit card number is on the front of the card itself. You will not be able to find your debit card number online. Swipe your card and enter your pin as one option. For many people today a debit card has become the go to way to pay. Debit cards typically arrive by mail because they must be printed and customized with your account information but some banks and credit unions have card printers on site.