12 Banks & Credit Unions That Give You a Debit Card On the Spot

Close-up of a debit card

Waiting to receive a new debit card after opening a checking account or when your current card gets lost, stolen, or damaged can be inconvenient. However, several banks and credit unions can print debit cards at their branches, meaning you’ll have your card in minutes instead of waiting up to ten days for delivery. Below, we list the banks that offer this service, plus explain how on-site debit card printing works.

About Instant-Issue Debit Cards

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

When a debit card is “instant-issued,” all that means is that the bank or credit union can print and activate the card in the branch.[1] 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 usual to make purchases, withdraw money from an ATM, pay bills, or make purchases online or by phone.[2]

How Are Instant-Issue Debit Cards Made?

To make an instant-issue debit card, a bank employee will insert a non-personalized card into a machine. The customer’s name and banking information will then be printed and coded onto the card. Within minutes, a fully personalized debit card is printed and ready for use. Depending on the software and hardware used, you may receive an embossed or unembossed debit card.[2]

Banks and Credit Unions That Print Debit Cards On the Spot

Altra logo

Altra Federal Credit Union

  • New or existing customers? Both[3]
  • Card features: 48 designs to choose from, including 38 featuring school colors and mascots[3]
  • Availability: Select locations in Minnesota, Tennessee, Texas, and Wisconsin[3]
  • Find a branch

American National logo

American National Bank & Trust Company

  • New or existing customers? Both[4][5]
  • Card features: Includes alerts and spending parameters through its mobile banking app[6][7]
  • Availability: Most branch locations in Virginia and North Carolina[8]
  • Find a branch

First National Bank Trust logo

First National Bank and Trust Company

  • New or existing customers? Both[9]
  • Card features: Free rewards each time card is used[9]
  • Availability: All branches[9]
  • Find a branch

First United logo

First United Bank & Trust

  • New or existing customers? Both[10]
  • Card features: Personalized; includes a chip[10]
  • Availability: All branches[10]
  • Find a branch

Huntington Bank Logo

Huntington Bank

  • New or existing customers? Both can receive instant-issued temporary debit cards until their permanent card comes in the mail.[11][12]
  • Card features: Zero fraud liability and locking or unlocking card with its app[13][14]
  • Availability: All branches[12][15]
  • Find a branch

IBC Bank logo

IBC Bank

  • New or existing customers? Both[16]
  • Card features: Exclusive offers and perks through Visa[16]
  • Availability: All branches[16]
  • Find a branch

Navy Federal Credit Union logo

Navy Federal Credit Union

  • New or existing customers? Both[17]
  • Card features: Zero-liability fraud protection; eligible for use overseas[17]
  • Availability: Any open branch[17]
  • Find a branch

NBT Bank logo

NBT Bank

  • New or existing customers? Both[18]
  • Card features: Automatic fraud alerts[18]
  • Availability: Select branches in Connecticut, Massachusetts, New Hampshire, New York, Pennsylvania, and Vermont[18]
  • Find a branch

PNC Bank logo


  • New or existing customers? Both[2]
  • Card features: Classic orange and Virtual Wallet cards available[2]
  • Availability: Over 2,000 branches[2]
  • Find a branch

Republic logo

Republic Bank

  • New or existing customers? Existing[19]
  • Card features: Control your card and set up alerts in the Republic Bank Mobile app; one-time passcodes for extra security when shopping online[19]
  • Availability: Any Republic banking center; found in New York, New Jersey, and Pennsylvania[20]
  • Find a branch

STCU logo


  • New or existing customers? Both[21]
  • Card features: Choose your debit card PIN at the time of pickup, providing added security[21]
  • Availability: Any branch[21]
  • Find a branch

TD Bank logo

TD Bank

  • New or existing customers? Both[22]
  • Card features: Replacement cards are available for same-day or next-day curbside pickup[23]
  • Availability: Select locations; TD Bank has branches across the Eastern U.S.[23][24]
  • Find a branch

Banks and Credit Unions That Don’t Print Debit Cards On-Site

In the course of our research, we found that the following banks don’t print debit cards in-branch:

  • Bank of America
  • Branch Banking and Trust Company
  • Chase
  • CIT Bank
  • Citibank
  • First Midwest Bank
  • HSBC
  • Key Bank
  • U.S. Bank
  • Wells Fargo
  1. https://www.fiserv.com/en/solutions/customer-and-channel-management/output-solutions/products-and-services/secure-payment-cards/instant-issue.html[]
  2. https://www.pnc.com/en/about-pnc/topics/pnc-pov/Money/instant-card.html[][][][][]
  3. https://www.altra.org/personal/checking/instant-issue-debit-cards[][][]
  4. https://www.amnb.com/support/lost-stolen-card[]
  5. https://www.amnb.com/personal/checking[]
  6. https://www.amnb.com/personal/checking[]
  7. https://www.amnb.com/card-management[]
  8. https://www.amnb.com/about-us/locate-us[]
  9. https://www.bankatfirstnational.com/personal/debit-mastercard-with-rewards/[][][]
  10. https://mybank.com/personal/debit-cards/#faq[][][]
  11. https://www.huntington.com/learn/checking-basics/what-is-a-debit-card[]
  12. https://www.huntington.com/learn/checking-basics/lost-stolen-debit-card[][]
  13. https://www.tcfbank.com/personal/banking/debit-card[]
  14. https://www.huntington.com/Personal/mobile-banking/card-lock[]
  15. https://www.huntington.com/branchlocator?type=1,2&subtype=&latitude=39.9610692&longitude=-83.0008326[]
  16. https://www.ibc.com/personal/bank-cards/ibc-bank-visa-debit-card[][][]
  17. https://www.navyfederal.org/checking-savings/checking/debit/resources/new-replacement-debit-card.html[][][]
  18. https://www.nbtbank.com/Personal/Customer-Support/Find-a-Location/Instant-Issue-Debit-Card[][][]
  19. https://www.republicbank.com/home/personal/debit-card[][]
  20. https://www.myrepublicbank.com/locations[]
  21. https://stcu.org/support/account-and-debit-support/instant-issue-debit-card-support[][][]
  22. https://www.td.com/us/en/personal-banking/personal-debit-cards/[]
  23. https://www.td.com/us/en/personal-banking/curbside-pickup/[][]
  24. https://locations.td.com/us[]


  • jordan

    Hi, looking for a bank in San Diego or El cajon to pick up a debit card and credit card instantly I am a new customer .thank you

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Hello, Jordan! It looks like PNC has two branches in San Diego. You might want to contact the branch you choose before visiting to be sure that it’s currently able to print debit cards. Instant printing typically isn’t available for credit cards, but some offer an instant-use digital card number for qualifying applicants, including American Express. Hope this helps!

  • Brad

    Branch banking and trust (BB&T) offers temporary debit cards.

  • noelle gravstone

    does suntrust at any location?

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Noelle,

      We weren’t able to locate any SunTrust locations that offer instant issue debit cards. Sorry!

  • Tasha

    Hello where is Wood forest bank in South Carolina. How much is it to have a checking account there? Thanks

  • Amanda

    Woodforest National Bank has instand debit cards at all branches.

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Amanda,

      Thanks for letting us know! We’ve added Woodforest National Bank to the list. 🙂

  • Eric

    Chase offers them in some locations. I got one issued the same day I opened the account June of 2015 (in Chicago).

    • Jasmine

      Chase no longer offers this service

  • D

    I believe chase has a few location that offer instant debit cards

  • Mee

    Bank of America does offer instant debit cards.

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Mee,

      We did not include Bank of America because not all branches offer temporary debit cards. However, we will include this information in the article to clear up any confusion.

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