When getting a new debit card you may wonder whether you will have the same number or not. However, this is dependent on the circumstances you are getting a new debit card for. Whether it expired, was lost, or stolen, varies if your debit card number will stay the same or differ. Learn more about how these scenarios alter your number.
Will a replacement debit card have the same number?
If your old card expired, and you are issuing a new one, the number will stay the same. However, key information on the card, such as the expiration date and CVV, will change. By updating these two aspects, it ensures extra security for the user.
Although, if your old card was lost, stolen, or you are a victim of identity theft, your number will change. To ensure no one could have access to your funds or bank account, banks alter all of the card’s information as a security measure.
Can I request a new debit card number?
Generally, you cannot request a new debit card without a valid reason. If you were a victim of identity theft or the card was stolen, this re-issuance will have brand new information. However, some banks allow you to request specific digits on this new debit card. Does my PIN number change with a new debit card?
If your card expires, your replacement debit card will not alter your old PIN code. That said, if you are getting a new card due to security risks, you can request to change your old code to a new one.
However, some banks allow you to change your PIN code without having to get a new debit card. This can be done either by going to an ATM or calling your bank. It is a good idea to change your PIN code semi-annually in order to protect your account’s information.
If I get a new debit card, does my account number change?
Your account and routing numbers associated with your checking account will not change if you get a card replacement. Typically, your account number stays the same indefinitely unless your bank merges, consolidates, or acquires another financial institution. However, if this is the case, you will be given plenty of time to transition over to this new number and your bank will give you explicit instructions on how to do so.
Does getting a new debit card affect direct deposit?
A new debit card will not affect your direct deposits since this transaction is tied to your bank account and not the debit card’s number. Direct deposits are a fully automated method that allows the payers to issue a transfer into the payee’s checking account. Therefore, when getting a new issuance of your card, will not alter this type of transaction.
What to do after getting a new debit card number
After speaking with your bank to get a new debit card, you will need to wait to receive the physical card. It typically takes roughly a week for a new card issuance, however, this process can be expedited upon request. Find out what steps you need to take once you get your new card.
Activate your new card
There are several ways to activate your new card. When a new card is mailed there usually are instructions on how to activate your card online, on a mobile device, or through an ATM.
However, if you want someone to walk through these steps with you, call your respective bank to help assist you through the process. Although, some cards do not need activation and are ready to use straight away. Make sure to read the instructions that come with your card to know what steps you need to take next.
Dispose of your old card
This is a crucial step when receiving a new card. Make sure to cut up your old card and dispose of these pieces in the trash. This is to ensure that no one has access to your information or debit card number. Additionally, by disposing of this card, you won’t be able to confuse it with the newly issued one.
Change auto payments and accounts
When you get a replacement card, some of its information has changed, such as its CVV and expiration date. It is important to remember to update accounts connected with your old card’s information to ensure that transactions go through. This can include subscriptions, payment apps, transportation apps, and more. Additionally, when updating this information make sure to alter your auto-payments as well.
Start using your new debit card today
Issuing and getting a new replacement debit should be a stress-free process. Whether your debit card number changes or not, it is dependent on the situation of why you are getting a new card.
If you are looking for a new debit card in general to satisfy your needs, look into MoneyLion’s cashback debit card. This debit card grants you up to 5% cash back on your monthly purchases, offering up to $25. To find out if this debit card is right for you, read more about MoneyLion’s cashback debit card here.
