Activating your QuickBooks debit card is a quick process, it just depends on whether you're using a computer or your phone.
Here's how to do it: On a computer, log in to QuickBooks Online and go to All apps > Lending > QuickBooks Checking, then select Activate card. Create a PIN, then select Next. Enter the card number, expiration date, and CVV, then hit Confirm.
If you're using your phone (QuickBooks Money app), sign in to QuickBooks Money. Go to Banking > Activate card. Create a PIN, then select Next. Enter the card number, expiration date, and CVV. Select Confirm.
Your debit card is now active. Update your card info on recurring payments to your physical card to avoid declines.