How to Get a Capital One Debit Card

How to Get a Capital One Debit Card
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To get a Capital One debit card, you need to have a Capital One account. You can open a Capital One 360 Checking account online, and other types of accounts with debit cards are available if you drop by a physical branch of Capital One and apply in person. If you already have your account and lost your debit card, call Capital One as soon as possible to have it replaced and avoid liability for fraudulent charges.

Capital One 360 Checking

Capital One 360 is a line of mostly online bank products from Capital One. The Capital One 360 checking account comes with a debit card used to make purchases in stores and online and to make withdrawals from ATMs. Some ATM uses will incur fees, so take a look at the network of fee-free ATMs on Capital One's website if you're deciding if the account is right for you.

You can apply for a Capital One 360 checking account on Capital One's website. You'll need information like your mailing address and Social Security number. Use a computer or smart phone that you trust is secure and not infected with malware. The debit card will normally be shipped to you within a few business days. Funds are typically placed in the account by transferring money from another bank, setting up direct deposit or by making a deposit at an ATM.

If you prefer to speak with someone in person rather than doing everything online, you can also stop by a bank branch to open the Capital One 360 checking account and get answers to any questions you have.

In-Branch Checking Accounts

Other types of Capital One checking accounts with debit cards may be available if you stop by a bank branch. The details of these accounts, including any fees, interest paid and other important factors may vary, so make sure you understand the terms of any account you're considering before you put money into the bank.

Visit a Capital One branch near you and inquire about what types of checking accounts are available, the details of how the debit card works and where it can be used.

Handling a Lost Debit Card

If you lose your Capital One debit card or suspect it was stolen, call Capital One or file a report on the bank's website or in the Capital One online banking app immediately. The bank will freeze the card so that thieves can't use it, and you'll be sent a replacement card. Check your bank balance and transactions online to make sure there are no unauthorized transactions, and report any you find to Capital One as soon as possible.

If you don't have your card and need to get funds out of your account, stop by a Capital One bank branch to make an in-person withdrawal. Alternatively, you can consider transferring funds to another bank where you have an ATM or debit card and making a withdrawal from that account.

When Debit Cards Expire

Debit cards, including those from Capital One, typically have an expiration month and year on them. Your card should be good until the end of this month, but will usually stop working after that.

Capital One will generally automatically send you a new card when yours is set to expire. Make sure your address is up to date. Remember to update the card information any place you use the card online with the new expiration date and, if you have one, the new number.

If your card doesn't come by the end of the month, contact Capital One online or by phone to report that you never received the replacement card.