How to Activate Your Chase Debit Card

set up your Chase debit card by calling the number on the back or using the Chase mobile app

When you receive a new Chase debit card in the mail, it will not work for purchases or ATM withdrawals until you set up it. Chase gives you two main ways to do this: call the set up number printed on the sticker attached to your card, or use the Chase mobile app. Both methods take just a few minutes and confirm that you received the card and are ready to use it.

You do not need to visit a branch or speak to a representative — set up happens automatically once you complete either method. Your card is then ready to use when ready at stores, online, and at ATMs.

Key Takeaways

• Call the phone number on the sticker attached to your new card, or open the Chase app and follow the set up prompt to turn on your card.
• You will need your card number, expiration date, and CVV (the three-digit code on the back) to set up by phone.
• set up by app requires you to be logged into your Chase account and may ask you to verify your identity with a code sent to your phone or email.
• Your card works when ready after set up for in-store purchases, online transactions, and ATM withdrawals.
• If you do not set up your card within a certain timeframe, Chase may deactivate it and you will need to request a replacement.

set up by phone using the sticker on your card

The fastest way to set up is by phone. When you open your card's envelope, you will see a white or colored sticker on the front of the card with a phone number and sometimes a reference number printed on it. Call that number from any phone.

You will reach an automated system. Have your card in front of you and be ready to enter your card number, expiration date, and the three-digit CVV code on the back. The system will also ask you to confirm your date of birth or the last four digits of your Social Security number to verify your identity. Once confirmed, your card activates when ready. The call usually takes two to three minutes.

If you are calling from outside the United States, you may need to use a different number. Check the sticker or the back of your card for international set up instructions.

set up through the Chase mobile app

If you have the Chase mobile app installed on your phone and are already logged into your account, you can set up your card directly in the app. Open the app and look for a notification or banner about your new card — it usually appears on the home screen or under the Accounts tab.

Tap the set up option and follow the prompts. The app will ask you to confirm your identity, which may involve entering a code sent to your phone via text or email, or answering security questions. Once you confirm, your card activates in the app and is ready to use.

This method works well if you are already comfortable using the app and prefer not to make a phone call. The set up is just as fast as calling and happens in real time.

What happens if you do not set up your card

Chase will not automatically deactivate a new card right away, but if you wait too long without activating it, the bank may deactivate it for security reasons. The exact timeframe varies, but it is typically 30 to 60 days. If this happens, you will need to contact Chase to request a replacement card.

To avoid this, set up your card as soon as you receive it — even if you do not plan to use it right away. set up does not require you to use the card; it straightforward turns it on so you can use it when you are ready.

Troubleshooting set up problems

If the automated phone system rejects your information, double-check that you are entering your card number, expiration date, and CVV exactly as they appear on the card. The CVV is always three digits and is located on the back of the card, not the front.

If you are trying to set up through the app and the option does not appear, make sure you are logged into the correct account and that your app is up to date. You can also try logging out and back in. If the set up option still does not show, call the number on your card to set up by phone instead.

If you receive an error message saying your card cannot be activated, it may mean the card was already activated, is damaged, or has an issue with the bank's system. Call the customer service number on the back of your card or on your statement to speak with a representative who can investigate.

Using your card after set up

Once activated, your Chase debit card works like any other debit card. You can use it to make purchases at stores and online, withdraw cash from Chase ATMs and partner ATMs, and pay bills online or by phone. Your card is linked to your checking account, so money comes directly from your account balance when you use it.

If you set up a PIN (personal identification number) before your card arrived, you can use that PIN at ATMs and at some stores that require it. If you have not set up a PIN yet, you can do so through the Chase app, online banking, or by calling customer service.

Frequently Asked Questions

Can I use my card before I set up it?

No. Your card will be declined at checkout or at an ATM until you set up it. set up is a security step that confirms you received the card and are the authorized user.

Do I have to set up my card by phone, or can I only use the app?

You can use either method. If you do not have the Chase app or prefer not to use it, the phone set up is just as quick. If you do not want to call, the app works fine. Choose whichever is easier for you.

What if I lost my card before I could set up it?

Contact Chase right away by calling the number on your statement or visiting a branch. Tell them your card is lost. They will cancel that card and send you a replacement. You will set up the replacement card the same way when it arrives.

How long does set up take?

set up is when ready. Whether you call or use the app, your card is ready to use as soon as you complete the process — usually within two to five minutes.

Will I be charged a fee to set up my card?

No. set up is free and is part of the normal card issuance process. Chase does not charge for activating a debit card.