Since debit cards are so useful, waiting to receive a new card upon opening a checking account or even a replacement debit card if yours gets lost, stolen, or damaged can really test your patience.

Fortunately, many banks and credit unions can now print your debit card in the branch when you sign up for the account, meaning you’ll have your debit card in minutes instead of a week. You’ll have immediate access to your funds, instead of having to rely on starter checks.

In This Article

  • Do Debit Cards Printed In Branch Work the Same Way as Ordinary Cards?

  • Banks and Credit Unions That Print Debit Cards In Branch

  • Banks and Credit Unions That Don’t Print Debit Cards In Branch

Do Instant Issue Cards Work the Same Way as Ordinary Cards?

When a debit card is “instant-issued” all that means is that the bank or credit union has the machine to print and activate the card in branch. The card will have the same features and benefits as a debit card printed elsewhere, and will include either the MasterCard or Visa logo. You can use the new card like normal to make purchases, withdraw money from an ATM, pay bills, or make purchases online or by phone.

Here’s how they’re made: a non-personalized card is inserted into a processor and printer system by the bank representative, and then the customer’s name and banking information are entered onto the cards. Within minutes, a fully personalized debit card is printed and ready for use. Depending on the software and hardware used, embossed or unembossed debit cards may be produced.

Banks and Credit Unions That Print Debit Cards In Branch

1. Altra Federal Credit Union

  • Availability: New and existing customers
  • Card Features: Available at some locations in Wisconsin, Minnesota, Tennessee, and Texas.
  • Branch Locations: Arkansas, Colorado, Kentucky, Minnesota, New Jersey, Tennessee, Texas, and Wisconsin
  • Find a local Altra Federal Credit Union branch here
  • Read the above information officially on this page of the Altra Federal Credit Union website

2. American National Bank & Trust Company

  • Availability: New and existing customers
  • Card Features: Available at most banking offices; can receive a new card the same day an account is opened.
  • Branch Locations: Virginia and North Carolina
  • Find a local American National Bank & Trust Company branch here
  • Read the above information officially on this page of the American National Bank & Trust Company website

3. Centennial Bank

  • Availability: New and existing customers; replacement card fees may apply
  • Card Features: Instant issued debit cards are available at most locations; debit cards are printed in minutes at the bank and are available for personal and business accounts.
  • Branch Locations: Arkansas, Alabama, Florida, and New York
  • Find a local Centennial Bank branch here
  • Read the above information officially on this page of the Centennial Bank website

4. First National Bank and Trust Company

  • Availability: New and existing customers
  • Card Features: Instant issue credit cards are issued on the spot at any branch location; customers can choose from 16 different card designs.
  • Branch Locations: Southern Wisconsin and Northern Illinois
  • Find a local First National Bank and Trust Company branch here
  • Read the above information officially on this page of the First National Bank and Trust Company website

5. IBC Bank

  • Availability: New and existing customers
  • Card Features: Available at local IBC branches
  • Branch Locations: Texas and Oklahoma
  • Find a local IBC Bank branch here
  • Read the above information officially on this page of the IBC Bank website

6. Navy Federal Credit Union

  • Availability: New and existing customers; available at both domestic and international Navy Federal branches
  • Card Features: Instantly issued debit cards are active and ready to use.
  • Branch Locations: Throughout the U.S. and overseas
  • Find a local Navy Federal Credit Union branch here
  • Read the above information officially on this page of the Navy Federal Credit Union website

If you’re not a member and decide to apply, it may take awhile to become approved. If it does, see our article: Navy Federal Membership Application Under Review: Now What?

7. PNC

  • Availability: New and existing customers; more than 2,000 branches now have instant issue machines
  • Card Features: Instant issue cards are pre-printed, chip-enabled cards that are personalized with the customer’s name, card number, expiration date, and CVV code.
  • Branch Locations: Eastern U.S.
  • Find a local PNC Bank branch here
  • Read the above information officially on this page of the PNC website

8. Republic Bank

  • Availability: New and existing customers; cards issued instantly in store
  • Card Features: Republic Bank never charges an ATM/debit fee.
  • Branch Locations: Pennsylvania and New Jersey
  • Find a local Republic Bank branch here
  • Read the above information officially on this page of the Republic Bank website

9. STCU

  • Availability: New and existing customers; all branch locations offer the instant issue debit card, although new chip-and-pin cards are only available at certain locations
  • Card Features: STCU mails out debit cards for customers located outside the Inland Northwest.
  • Branch Locations: Washington State and Idaho
  • Find a local STCU branch here
  • Read the above information officially on this page of the STCU website

10. TCF Bank

  • Availability: New and existing customers; instant issue technology is being implemented in all TCF branches
  • Card Features: Personalized debit cards
  • Branch Locations: Michigan
  • Find a local TCF Bank branch here
  • Read the above information officially on this page of the TCF Bank website

11. TD Bank

  • Availability: New and existing customers; all TD Bank stores have instant issue machines
  • Card Features: New customers may request an instant issue card by visiting a local TD branch instead of waiting the standard 7-10 days for their new debit card to arrive in the mail.
  • Branch Locations: Eastern U.S.
  • Find a local TD Bank branch here
  • Read the above information officially on this page of the TD Bank website

12. Wells Fargo

  • Availability: New and existing customers; must visit a local branch to receive the card
  • Card Features: The Wells Fargo instant issue debit card serves as a temporary card and will not feature your name. Merchants will verify card ownership by checking your signature on the back of the card against your identification. You will receive a permanent card in the mail.
  • Branch Locations: Throughout the U.S.
  • Find a local Wells Fargo branch here
  • Read the above information officially on this page of the Wells Fargo website

13. Woodforest National Bank

  • Availability: New and existing customers; available at all branches
  • Card Features: Receive a debit card instantly at a branch when you sign up for a checking account or sign up for debit card services. The card includes fraud protection, including transaction monitoring and alerts; and online banking access.
  • Branch Locations: Woodforest National Bank has locations in Alabama, Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, West Virginia.
  • Find a local Woodforest National Bank branch
  • Read more about the Woodforest debit card

Banks and Credit Unions That Don’t Print Debit Cards In Branch

Here is the list of large banks that don’t print their own debit cards right at the branch:

  • Bank of America (Select locations may offer temporary debit cards.)
  • Branch Banking and Trust Company
  • Chase
  • Citibank
  • First Midwest Bank
  • Great Western Bank
  • Key Bank
  • HSBC Bank USA
  • U.S. Bank

In Summary

What banks give you a debit card on the spot? Now you know. Many banks and credit unions now offer the convenience of in branch debit card printing. That means you’ll get your card quickly if you open an account, and if you ever need a replacement, you can stop by the branch to have your card immediately, rather than waiting for a replacement to arrive in the mail.