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Use the QuickBooks debit card to get your cash

by Intuit•61• Updated 3 weeks ago

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

If you need help reconciling your account, you can partner with a QuickBooks Live Bookkeeper to feel more confident. Find out more about QuickBooks Live Bookkeeping.

You'll get a physical QuickBooks debit card once approved for a QuickBooks Checking account through QuickBooks or QuickBooks Money. This process can take 7–10 business days. You'll have access to a virtual card until you receive your physical card in the mail.

You can use this QuickBooks debit card to:

  • Make purchases
  • Get cash from ATMs
  • Withdraw money from your QuickBooks Checking account

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

QuickBooks Online

  1. Sign in to your QuickBooks Online account.
  2. Go to Lending & banking, then select QuickBooks Checking (Take me there).
  3. Select View account.
  4. Select Manage account.
  5. In the QuickBooks debit card section, select Card info and complete the security steps to verify your account. 

QuickBooks Money

  1. Sign in to QuickBooks Money.
  2. Go to Banking.
  3. Select View card.
  4. From the QuickBooks debit card section, select Card info.
  5. Complete the security steps to verify your account.

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

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

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

QuickBooks Online

  1. Sign in to your QuickBooks Online account.
  2. Go to Lending & banking, then select QuickBooks Checking (Take me there).
  3. Select Activate card.
  4. Create a PIN you'll, then select Next.
  5. Enter the card number, expiration date, and CVV.
  6. Select Confirm.

QuickBooks Money

  1. Sign in to QuickBooks Money.
  2. Go to Banking.
  3. Select Activate card.
  4. Create a PIN, then select Next.
  5. Enter the card number, expiration date, and CVV.
  6. Select Confirm.

Your debit card is now active and ready to use. To avoid payments getting declined, make sure to update your card info on recurring payments to your physical card.

Your QuickBooks debit card works like other debit cards. You can:

  • Withdraw cash from any in-network AllPoint ATM up to four times for free each statement cycle. After that, there's a $3.00 fee per withdrawal.
  • Withdraw cash from other ATMs, but there may be a fee.
  • Withdraw up to $2,000 per day or up to $5,000 per calendar month from ATMs.
  • Withdraw up to $3,000 per calendar month from a bank teller.
  • Spend up to $10,000 per day with your QuickBooks debit card.

QuickBooks mobile app

  1. Sign in to your QuickBooks app from a mobile device.
  2. Select the Cash Flow.
  3. From the QuickBooks Checking balance, select View account.
  4. Select Manage account, then select FindATM.
    • When the map opens, it'll use your location services to provide you with a list of nearby in-network ATMs.

QuickBooks Money mobile app

  1. Sign in to your QuickBooks Money app from a mobile device.
  2. Select the Banking.
  3. From the QuickBooks Checking balance, select View account.
  4. Select Manage account, 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.

If you use the QuickBooks debit card for instant deposits or same day-deposits, there are no additional fees.

Note: If you use instant deposits or same-day deposits, there's no additional fee for using your QuickBooks debit card. For other debit cards, the fee is 1.75%. This is in addition to the regular fees for processing transactions.

You can also:

  • Make purchases with your QuickBooks debit card, where Visa debit cards are accepted.
  • Add your QuickBooks Debit card to Apple or Google pay for contactless payments.

QuickBooks Online

  1. Sign in to your QuickBooks Online account.
  2. Go to Lending & banking, then select QuickBooks Checking (Take me there).
  3. Select View card.
  4. Select Replace card or Reset Pin and follow the instructions for the option selected.

QuickBooks Money

  1. Sign in to QuickBooks Money.
  2. Go to Banking.
  3. Select View card.
  4. Select Replace card or Reset Pin and follow the instructions for the option selected.

When you order a replacement, a new debit card will arrive in 7-10 business days.

QuickBooks Online automatically categorizes as many QuickBooks Checking transactions as possible. However, it can't categorize everything. You need to periodically go Bank transactions (Take me there) and categorize your QuickBooks Checking transactions.

The first time you go to Bank Transactions, you’ll need to select Add account and connect your QuickBooks Checking account to pull all of your transactions into QuickBooks Online.

Got a text from QuickBooks about a suspicious transaction? Here's what to do:

  • Reply 'YES' to confirm the transaction and try again.
  • Reply 'NO' to decline the transaction and block your card.
  • Reply 'STOP' to stop getting these notifications in the future.

QuickBooks won't ask you to respond with any account details.

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