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Use the QuickBooks debit card to get your cash

SOLVEDby QuickBooksQuickBooks Online78Updated May 19, 2022

Learn how to use your QuickBooks Checking debit card to withdraw money and make purchases.

After you sign up for QuickBooks Payments, if you're approved, you get a QuickBooks Checking account and a QuickBooks Checking debit card. It's a monthly fee-free checking account within QuickBooks where all of your customer payments get deposited.

Use your QuickBooks debit card to withdraw money from your QuickBooks Checking account. You can get cash from ATMs or make purchases like any other Visa debit card. And if you use your QuickBooks debit card for instant deposits, we also don't charge an additional fee for faster deposits. Here's how to set up and take money out using your QuickBooks debit card.

Step 1: Set up your QuickBooks Checking account

If you haven't already, sign up for QuickBooks Payments. If you're approved, you get a QuickBooks Checking account.

You'll get your physical QuickBooks debit card in the mail within 7 - 10 business days.

Step 2: Access and use your virtual debit card for purchases

Now find out where your virtual debit card is.

  1. Go to Business overview then select Cash flow (Take me there), or go to Cash flow (Take me there).
  2. Select QuickBooks Checking (Take me there).
  3. Select Manage account.
  4. In the QuickBooks Checking debit card section, select the option for Card info and complete the security step to verify your account. 

You'll now see your debit card number, expiration date, and CVV code.

Your virtual card is available until you activate your physical QuickBooks debit card.

Step 3: Activate and use your QuickBooks debit card

Activate your debit card when you get it in the mail.

  1. Go to Business overview then select Cash flow (Take me there), or go to Cash flow (Take me there).
  2. Select QuickBooks Checking (Take me there).
  3. Using the shortcut menu, select Activate card.
  4. Create a PIN you'll use to make withdrawals. Then select Next.
  5. Enter the card number, expiration date, and CVV.
  6. When you're done, select Confirm.

Your debit card is now active and ready to use.

Step 4: Use your QuickBooks debit card

Your QuickBooks debit card works like other debit cards. You can withdraw cash from any AllPoint ATM up to four times for free each month. After that, there's a $3.00 fee per withdrawal. You can also withdraw cash from other ATMs, but there may be a fee.

Here's how to locate an AllPoint ATM:

  1. Sign in to your QuickBooks app from a mobile device.
  2. Select Cash Flow from the menu.
  3. Under the QuickBooks Checking balance, select View account,
  4. Select Manage, then select Find ATM.

When the map opens, it'll use your location services to provide you with a list of nearby in-network ATMs.

You can also make purchases with your QuickBooks debit card where Visa debit cards are accepted.

Note: If you use instant deposits, there's no additional fee for using your QuickBooks Checking account. For other debit cards, the fee is 1%. This is in addition to the regular fees for processing transactions.

Step 5: Get account info or replace your card

  1. Go to Business overview then select Cash flow (Take me there), or go to Cash flow (Take me there).
  2. Select QuickBooks Checking (Take me there).
  3. Select Manage.
  4. Select View to see your account or routing number.
  5. Select Replace card or Reset Pin to get help with your debit card.

Get help with specific transactions

If you need to dispute a transaction, call the number on the back of your QuickBooks debit card.

Learn more about your QuickBooks debit card.

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