How Many Debit Cards Can I Have on My Checking Account (2024)

FAQs

How Many Debit Cards Can I Have on My Checking Account? ›

Yes, it is possible to have two debit cards with your name on both cards for the same checking account. Most banks allow customers to request multiple debit cards linked to the same account. You can contact your bank and inquire about their policies and procedures for obtaining a second debit card.

Can you have multiple debit cards for one checking account? An individual bank account is opened by one person and owned by that person, and the funds can only be accessed by that individual with one debit card.

If you're thinking about adding another credit card to your wallet, it's not only possible to have two credit cards from the same bank, but it can also be preferable. That said, there are a few cons worth considering, too.

Minimum balances aside, how much money can you have in a checking account? There is no maximum limit, but your checking account balance is only FDIC insured up to $250,000. However, as we'll cover shortly, it makes sense to put extra cash somewhere it will earn interest.

You'll each have your own debit card linked to the account and be able to make contactless payments, ATM withdrawals and set up direct debits and standing orders for regular payments.

More debit cards means more bank accounts, and a greater likelihood that you're paying fees. Overdraft fees are actually becoming less common, but when you spend with a debit card, you've got to be careful not to overdraw your account, lest you incur them.

Each account owner can get a debit card, write checks and make purchases. Both account holders can also add funds or withdraw them from the account. The money in joint accounts belongs to both owners. Either person can withdraw or spend the money at will — even if they weren't the one to deposit the funds.