Bank of Utah Debit Card
A debit card gives you an easy way to use the money in your checking account.
You can use it to make everyday purchases in stores, online or at ATMs. The money comes straight from your account, so it’s easy to keep track of what you’re spending. If you're opening an account with us, or already have one, you can choose to add a debit card. It’s a simple, secure way to pay, always with support you can count on.
Benefits
Access Your Money Instantly
Pay in stores, online or at ATMs — with funds pulled directly from your Bank of Utah checking account.
Go Digital
Add your card to digital wallets like Apple Pay®, Google Pay™ or Samsung Pay® for fast, contactless payments.
Take Control of Your Card
Use our Card Manager tool to lock and unlock your card, set spending limits, and manage how your card is used.
Track Purchases in Real Time
Keep up with your purchases and balance in online or mobile banking — plus get alerts when your card is used or declined.
Protect Your Account
Get built-in fraud monitoring and Zero Liability protection for unauthorized debit card transactions.
Enjoy ATM Convenience
Use your card at thousands of ATMs, including surcharge-free MoneyPass® network machines — available nationwide.
How Do I Get a Bank of Utah Debit Card?
Compare
Explore our checking account options to find the one that fits your life and goals. Whether you want simple everyday banking or features that help you save, spend and manage your money, we have options for the way you like to bank.
Apply
Open your account online or visit a branch — and don’t forget to request a debit card during the process. The application is quick and secure, and if you have any questions, our team is here. We’ll make sure you're supported every step of the way.
Start Using Your Card
A temporary digital card may be available in Card Manager shortly after your account is opened. When your physical card arrives, activate it in Card Manager — it will automatically update the temporary version in your mobile wallet.
Make Your Debit Card Feel More Like You
You can upload your own design — a favorite photo, a special memory or something that reflects your personality — or choose from a gallery of beautiful, curated images from Bank of Utah. Either way, it’s an easy way to turn your debit card into something that feels more personal every time you use it.
Frequently Asked Questions
Q. What is the difference between a debit card and a credit card?
A. Both debit and credit cards make it easy to pay without cash, but they work differently.
A debit card is linked to your checking account and acts like a digital check, pulling money directly from your account at the time of purchase or withdrawal. This means you can only spend what’s available in your account.
Credit cards, on the other hand, act as a line of credit. You borrow money up to a set limit and pay it back later, often with interest if not paid in full by the due date.
Q. How do I get a debit card?
A. You can request a debit card when you open a checking account with Bank of Utah. If you already have an account and didn’t request a card initially, you can contact us or visit a branch to add one to your account.
Q. What is Card Manager, and how can I use it with my debit card?
A. Card Manager is a tool in Online and Mobile Banking that gives you greater control over your debit card. You can lock or unlock your card, set spending limits and track transactions in real time. If you’re getting a new or replacement card, a temporary digital version may be available in Card Manager while your physical card is on the way. You can add the temporary card to your mobile wallet. Once your physical card arrives and you activate it in Card Manager, it will automatically update the temporary one in your wallet.
Q. Can I use my debit card online?
A. Yes. You can use your debit card to shop online or make payments over the phone by entering your card number, expiration date and CVV code — just like you would with a credit card.
Q. How do I select or change my PIN (Personal Identification Number)?
A. You can choose your PIN when activating your debit card in Card Manager. To change your PIN later, use Card Manager, call 1-800-992-3808 (toll-free), or visit a Bank of Utah ATM.
Q. What's the difference between a PIN purchase and a non-PIN or signature purchase?
A. If your card is lost or stolen, log in to Online or Mobile Banking and use Card Manager to lock it immediately. Then contact us as soon as possible to report the issue and request a replacement. Locking your card will stop new purchases; any recurring charges will still be processed.
Q. How is my card protected from fraud?
A. Bank of Utah offers EnFact fraud protection, which monitors your card activity and alerts you of any suspicious transactions. You can also lock and unlock your card anytime using our Card Manager tool for added control and peace of mind.
Q. What should I do if my card is lost or stolen?
A. If your card is lost or stolen, log in to Online or Mobile Banking and use Card Manager to lock it immediately. Then contact us as soon as possible to report the issue and request a replacement. Locking your card will stop new purchases, but any recurring charges may still be processed.
Get Expert Assistance
Our friendly branch representatives can assist you with any debit card needs or questions.
