Can You Use a Temporary Debit Card at an ATM?
Understand the functionality of temporary debit cards at ATMs, including their capabilities and limitations, before transitioning to your permanent card.
A temporary debit card is often provided by a financial institution immediately upon opening a new account or when a previously issued card is reported lost or stolen. This card serves as a provisional tool, granting immediate access to funds within the linked checking or savings account. Its primary purpose is to bridge the gap until a personalized, permanent debit card arrives. This article will explore the general usability of these temporary cards at automated teller machines (ATMs).
Using Your Temporary Card at an ATM
Temporary debit cards can be used at ATMs. Cash withdrawal is a common function, allowing users to access funds by inserting the card and entering their personal identification number (PIN). The process mirrors that of a permanent debit card, guiding users through on-screen prompts to select the account and withdrawal amount.
Account balance inquiries are also supported, providing a snapshot of available funds. This allows users to monitor spending and ensure sufficient funds before making transactions. While less common than withdrawals or balance checks, some ATMs and financial institutions may permit deposits using a temporary card. This functionality varies by bank and ATM type.
A PIN is mandatory for most ATM transactions. The PIN might be pre-assigned or chosen during account opening. Remember this PIN for all ATM interactions, as it authorizes transactions and protects the account.
Understanding Temporary Card Limitations
Temporary debit cards have limitations compared to permanent cards. Common restrictions include lower daily ATM withdrawal limits, typically ranging from $300 to $1,000, depending on the bank’s policy. These limits manage risk before a permanent card is issued.
Some temporary cards may have restrictions on the number of transactions allowed within a 24-hour period. Standard ATM fees, including out-of-network charges, apply just as they would with a permanent card. Review your bank’s fee schedule for potential charges.
Beyond ATM use, temporary cards may have limited functionality for online or point-of-sale (POS) transactions requiring a signature or specific card details. They are designed for short-term use and expire or become inactive once the permanent card is activated. Their lifespan is limited, often until the new card arrives and is activated, or for a set period like 30 to 60 days.
Receiving and Activating Your Permanent Card
After using a temporary debit card, you will receive and activate your permanent card, which typically arrives via mail. Banks usually send permanent debit cards within 7 to 10 business days of account opening or replacement requests. The card is mailed to the address on file, often in a plain envelope for security.
The permanent card must be activated upon receipt. Activation methods include calling a toll-free number, using the bank’s online portal or mobile app, or making an ATM transaction with the PIN. Follow the specific activation instructions from your bank.
The account number linked to the permanent card remains the same as the temporary card. Once activated, securely dispose of the temporary card to prevent misuse. Shredding is a recommended method to protect personal and financial information.