Customers who open savings or checking accounts with most financial institutions are provided with ATM cards. An ATM card allows you to gain immediate access to your funds. You’ll receive a new debit card from the bank when you open an account. In the event that your existing customer card expires, your bank will automatically send you a new one. Before you can use your ATM card, you must first activate it. This can be done online. Here are a few options for getting your ATM card activated.
Part 1 Acquiring Your ATM card
1. Obtain your ATM card by filling out the necessary paperwork. Your ATM card will be delivered to you by mail from your financial institution. Most banks will also send you a separate document containing a temporary PIN number, which you should keep on hand. Some financial institutions send the PIN number first. Following the receipt of the information, including your PIN number, your card should be delivered within a few days.
Some financial institutions do not provide you with a PIN number. The card is activated and a PIN number is chosen instead, or you can activate the card and choose a PIN number first, then choose a PIN number later.
If you are receiving a replacement card, your old PIN number will continue to function properly.
2. Check to see if the card you received is the one you applied for or was requested by you. You should contact your bank right away if you receive an ATM card when you weren’t expecting one. You want to make sure that the card you received is legitimate. Some banks will issue a new debit card if there was a problem with your existing debit card, such as potential fraud, and they will refund your money.
In the event that you did not request a new debit card, make certain that you determine whether or not you require the debit card. Remember to read the fine print or contact the bank to ensure that the debit card does not have any hidden fees or that switching to a new debit card is not necessary.
Check the card’s expiration date to make sure it’s still valid. If the expiration date is approaching, contact your financial institution. This is frequently a symptom of a bogus credit card.
3. Sign your name on the back of the card. You should sign the back of your new debit card right away after you receive it. If this is a replacement debit card, or if you have received a temporary debit card, you should destroy your old cards immediately.
Cut the card in half so that the name and number can’t be seen on either side. This will aid in the protection of your identity and information.
Part 2 Activating Your ATM card
1. Visit an automated teller machine (ATM). Choose an ATM that is well-lit, located in a visible location, and is owned by your financial institution. Insert your card, enter your PIN or your temporary PIN, and then follow the on-screen instructions to complete the transaction. It is possible that some banks will require you to go through an activation screen, while other banks may activate the card automatically when you enter your PIN. Others will require you to conduct a balance investigation.
Once you have activated your card, you will be able to conduct transactions at ATMs that are owned by a second or third party; however, they will not be able to perform the functions necessary to activate your card.
2. Make a phone call to your financial institution. You can activate your card by calling the toll-free number provided by the majority of banks. There may be a sticker on your ATM card, a letter sent with your card, or an address on their website where you can find this number. Make use of the toll-free number. When prompted, enter the information requested, which typically includes the last four digits of your social security number, your zip code, and the security code printed on your credit card.
3. Access your online account by entering your username and password. Many banks offer an activation service that can be accessed through the Internet. Log in and choose the option to activate your card from the drop-down menu. You will be required to enter the security code on the back of your card when using most online activation services.
Some financial institutions provide mobile applications that allow you to activate your card.
It is possible that you will need to have an existing online banking ID in order to use this option.
4. Go to your financial institution. Another option is to take your card to any branch of your financial institution and have it activated there. You can ask the bank representative to activate your card on your behalf.
5. Make a purchase decision. Some ATM cards require you to make a purchase in order for the card to be activated. Utilize the card in the store and enter your PIN number, and the card will be activated immediately.
6. Change your PIN number if necessary. If your bank has provided you with a temporary PIN number and allows you to create your own, you should update your PIN. Create your own personal identification number (PIN) for your ATM card to add an additional layer of security to your account. Note down your new PIN number and do not keep it in your wallet or on you at all times.
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