How instant issue debit cards work
Using specialized hardware and software at a branch, banks can produce a debit card for you on demand. The process involves:
- Personalization: Your personal information is encoded onto the magnetic stripe and a secure EMV chip.
- Activation: The card is activated for immediate use.
- PIN creation: You can typically set your personal identification number (PIN) on the spot.
An instant issue debit card is a fully functional, personalized debit card that a bank can print for you immediately at a branch. This eliminates the waiting period for a card to arrive by mail, which typically takes 7 to 10 business days. The card is available for use the next day.
Instant issuance is available for new accounts, or to replace a card that has been lost, stolen, or damaged. We also offer instant digital versions for immediate mobile wallet use.
Key benefits
- Immediate access to funds: You can start making purchases or withdrawing cash from an ATM immediately after receiving your new card.
- Convenience: The service is a major time-saver for anyone who needs a replacement card urgently or wants to begin using a new account immediately.
- Enhanced security: The service is more secure than mailing a card, which reduces the risk of it being lost or stolen in transit.
- Improved customer experience: Immediate card issuance boosts customer satisfaction and loyalty by resolving issues quickly.
- Reduced fraud risk: Receiving a replacement card right away in cases of theft or fraud allows you to cancel the compromised card faster.
