How to Transfer Funds From One Debit to Another

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Moving money from one debit card to another debit card simply means you are moving money from one bank account to another bank account. You may be doing this with your debit cards because you don't have a check handy. The process is very simple if the accounts are held at the same banking institution. If they are not, you can still do this, but be aware of fees that you may incur with the transaction.

Transfer Funds from the Same Bank

Step 1

Contact your bank about your accounts. This may mean calling, going online, using an ATM or walking into a branch, any of which should suffice.

Step 2

Confirm that the accounts are linked. This means that the accounts should have the same primary social security number or have been linked manually at some previous time. If you are physically in the branch and find they are not linked, you should be able to link them as long as you are the owner. If you are unable to link them, move to Section 2 and follow those instructions.

Step 3

Request a transfer of funds from one account (where you are taking the money from) to the other account (where you are putting the money in).

Step 4

Confirm the transactions and keep your receipt.

Transfer Funds from Another Bank

Step 1

Go into the bank where you want to move the money.

Step 2

Request the help of a customer service representative for the transaction. You are debiting money from your other bank at this institution either as a cash advance or ATM withdrawal and depositing it into the account at this bank. Ask what the fees are for the cash advance or ATM withdrawal so you can decide on the cheaper method.

Step 3

Fill out a deposit slip for the money going into the debit account.

Step 4

Confirm the transaction and keep your receipt.


Don't withdraw money from an ATM and deposit it into an ATM to a different account. Cash deposits in ATMs are not recommended by banks (as indicated on most bank ATM deposit slips) and may not be properly allocated to your account. In addition, you may not have access to the funds immediately, which defeats the purpose of doing the transfer.

Things You'll Need

  • PIN numbers for both debit cards

  • Identification