ApyGuy: Maximize Your Savings & Earnings

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Fidelity CD Rates – Up to 0.50% APY


image credit: fidelity.com

Fidelity is a multi-national financial services corporation based out of Boston, Massachusetts. They are one of the top 10 AMC (asset management companies) in the world with $2.46 trillion in assets under management and a combined customer asset value of $6.7 trillion.

Fidelity offers a wide range of services, products and tools to suit investors of varying experience levels and risk tolerances.

In this review we will focus on the brokered CDs offered through Fidelity. These can be found under their fixed income and bonds category.

It is important to note that Fidelity is not a bank, but a brokerage firm. Therefore Fidelity does not issue any certificates of deposit themselves, but rather “brokers” or resells them to their clients. The deposits are still obligations of the issuing bank, and thus come with FDIC-insurance up to $250,000 per depositor. That said, because Fidelity is a brokerage service, you can hold multiple CDs in your brokerage account with them, effectively expanding your FDIC coverage past the $250,000 limit. This is also true for their cash management account which allows for FDIC coverage up to $1.25 million.

You can open new issue CDs and/or secondary market CDs through Fidelity. New issue CDs are typically sold at par and clients do not pay a trading fee to purchase them. Purchases (and sales) of secondary CDs incur a trading fee of $1 per CD (1 CD = $1,000 par value). Download Fidelity’s CD disclosure document for a full understanding of their terms and conditions.

Fidelity CD Rates + Account Details

Fidelity offers seven standard term CDs ranging from 3 months to 5 years that come with a minimum deposit requirement of $1,000.

TermExpected APY
3 months0.10%
6 months0.10%
9 months0.10%
1 year0.15%
2 years0.25%
3 years0.30%
5 years0.50%

To give Fidelity’s certificate of deposit rates some context, the current national average for a 12 month CD and 5 year CD sit at just 0.22% and 0.47% APY, respectively. And the best rates on 12 month and 5 year CDs from online banks and nationally available credit unions still top 1.00% APY (albeit just barely).

How is Interest Calculated?

Interest on new issue Fidelity CDs do not compound. This is true with most brokered CDs as they require an immediate distribution of interest.

Fidelity CDs that are purchased on the secondary market may be based on other interest rate calculations. You will need to contact the Firm with questions concerning the interest rate calculation on a secondary market CD.

Fidelity Auto Roll Program

Fidelity also has an “Auto Roll Program” that comes with some helpful features. The most notable being the ability to make early withdrawals on your CD without incurring steep fees. This is in contrast to bank or credit union CDs which generally take a portion of your interest as a fine.

The second stand-out feature of the Auto Roll Program is that it allows you to sell part of your CD (or add to it) prior to its maturity date.

You can also keep track of your earnings, set up alerts and auto-renew your CDs based on your chosen asset allocation.

If you would not like to be a part of the Auto Roll Program, you may cancel at any time.

Fidelity Brokered CDs: Pros and Cons

Brokered CDs offered through Fidelity come with some benefits and downsides. For starters, the current rates offered (shown above) are less competitive than those found at top online banks and credit unions.

Second, while new CDs don’t come with any fees, CDs purchased on the secondary market will be subject to a trading fee similar to buying or selling a stock.

Fidelity’s brokered CDs also come with some distinct advantages.

The biggest being liquidity. If you need your funds prior to maturity you can simply sell it during any trading day on the open market. Keep in mind though that the market prices will fluctuate based on rates. This means it’s also possible to sell your deposit for less (or more) than you purchased it for.

For example, if you open a 5 year deposit and need the funds after year 2, during which time interest rates have risen considerably, you may have a tough time selling your deposit for your full purchase price because consumers can get better rates through new issue CDs.

Conversely, if you purchase a 5 year deposit and rates drop significantly (which they have) then you may find investors willing to offer a premium on your CD in the secondary market.

Live Oak Bank CD Rates + Online Savings Account Review


image credit: liveoakbank.com

Live Oak Bank based out of Wilmington, North Carolina is a digital, cloud-based bank that has no branches or ATMs. Their primary focus is on small business banking and their mission is to be America’s best small business bank. They’ve made considerable ground on this front as they were the leading SBA and USDA lender by volume in 2019. On top of that Live Oak Bank is still relatively new – being one of the last banks to get a charter prior to the recession of 2008.

Although their focus is on small business, Live Oak Bank offers its products and services to both personal and business customers in all 50 states.

Today, on the personal side of their operation, they have several noteworthy deposit accounts that are FDIC insured and come with high yields compared to the current national average(s).

If you’re in the market for an FDIC-insured savings account or certificate of deposit you may want to check out Live Oak Bank’s current CD rates and online savings account offer. Please note that Live Oak Bank does not offer IRA CDs at this time.

Our full review of these products continue below.

Live Oak Bank CD Rates + Account Details

Live Oak Bank currently has 7 standard term certificates of deposit to choose from. The terms range from 6 months to 5 years and still provide ascending rates (albeit not by much). CDs sold at Live Oak Bank are federally insured by the FDIC up to $250,000 per depositor. Live Oak Bank CDs have a minimum deposit requirement of $2,500 and a maximum deposit allowance of $250,000.

Interest is compounded daily and credited monthly. A nice feature of Live Oak Bank CDs is that they let you transfer your interest to an external account every month if you so choose. This is great for individuals or couples living off of the interest as income. The default option, however, is for the interest to simply go back into the CD account for further compounding.

Live Oak Bank CD Rates

TermAPY
6 months0.65%
1 year0.65%
18 months0.65%
2 year0.70%
3 year0.70%
4 year0.80%
5 year0.80%

To give the offers above some context, the current national average for a 12 month CD and a 5 year CD sit at roughly 0.22% and 0.47% APY, respectively.

Opening a deposit with Live Oak Bank is pretty straight forward and can be done online in minutes. To start you will click on the “get started” button in the upper right. From there you will begin the application process.

You should have all of your personal information handy when starting this process. Necessary information may include:

  • Name
  • Address
  • Email Address (must be unique for each account holder)
  • Mobile Phone Number
  • Social Security Number
  • They may request additional documentation for verification purposes

You will need to also have the routing and bank account number of the bank/account you’ll be transferring the funds from.

Early Withdrawal Fees

As with most bank CDs, you will incur a fee if you withdraw your funds prior to the maturity date. The fees are based on the term length of your deposit.

CD TermFee
24 months or less90 days simple interest
24 months or greater180 days simple interest

Live Oak Bank CDs come with a standard 10 day grace period. During this time you can withdraw or add funds to your deposit penalty free. If nothing is done during this period, a new CD with the same terms and the current rate will be opened with your funds. Live Oak Bank will notify you prior to your grace period but you should have your own reminders set as well.

Live Oak Bank Online Savings Account

Live Oak Bank has one of the most competitive online savings accounts on the market currently. The account comes with no monthly maintenance fees, no minimum balance requirements and has a minimum deposit requirement of just $10.00 to open the account.

Please note that If an account has a balance less than $10.01 and no activity for 24 consecutive months (“no activity” is defined as no withdrawals, deposits, contact with a Customer Success Manager, nor customer log-ins to the online banking website), a dormant account fee will be assessed, and the account will be closed. The amount of the fee will be the account balance or $10.00, whichever is less.

Live Oak Bank Online Savings Account Rate

Minimum BalanceAPY
$00.85%

To put this offer in perspective, the current national average for a savings account sits at a paltry 0.07% APY currently.

You’ll need the same personal information you would for a CD to open a Live Oak Bank online savings account. Funding the account can be done in 1 of 4 ways:

  1. You can transfer funds electronically via ACH. To do this, log on to the Live Oak Bank Portal and choose the ‘Transfer Funds’ option. You may transfer funds between Live Oak accounts and linked external accounts. Please allow 1-2 business days for the process to complete.
  2. You can mail a physical check to their HQ at:
    Live Oak Bank
    Attention: Deposits
    1757 Tiburon Drive
    Wilmington, NC 28403
  3. Deposit a check with the Live Oak Bank Mobile App. The app is available for both IOS and android phones. Just keep in mind the mobile deposit cutoff time is 4:00 p.m. ET. Any deposits received after 4:00 p.m. ET will be processed on the following business day.
  4. Wire funds into your account. Log on to the Live Oak Bank Portal for wire instructions. You must have an open account to deposit by wire. A new account cannot be opened by wire.

There might be some additional fees you’ll want to look out for depending on what kind of actions you intend to take with this account. Below is a list of possible fees you may run into.

Live Oak Bank Fee Schedule

Fee DescriptionFee Amount
Monthly Account Fee$0
Fee for each transaction after the 6 permitted by Federal regulation D$10 for ea. after the sixth in a monthly statement cycle.
Stop Payment$25
Returned Item$10
Non-Sufficient Funds$25
Legal Actions$50 minimum
Incoming Wire$15
Outgoing Wire$19

Final Thoughts

Live Oak Bank has competitive APYs on their personal deposit accounts. Both their variable rate, online savings account and each of their 7 standard term CDs come with yields that beat the national average by a respectable margin.

That said, more competitive yields on CDs can be found with other online banks and nationally available credit unions, but don’t expect rates to be much higher than what you see here.

A nice feature of the CDs is that interest can be distributed to external accounts which is ideal for those living off of interest as income. The biggest downside to their CDs, however, is that they are limited to standard accounts and cannot be opened in IRAs.

Connexus Credit Union Money Market Account 1.15% APY + CD Rates up to 0.91% APY!


image credit: connexuscu.org

Founded in 1935 in Wausau, Wisconsin, Connexus Credit Union got its start as an employee-only credit union serving individuals and families affiliated with Employers Mutual, which later became the insurance giant Liberty Mutual.

As with many credit unions that stand the test of time, Connexus credit union experienced growth through acquisition. Over the years they acquired a number of smaller credit unions that allowed them to broaden their membership eligibility to what it is today.

Today, Connexus credit union serves roughly 360,000 members in all 50 states with over $2.8 billion in assets and just shy of $2.5 billion in consumer deposits.

Connexus credit union has also been nationally recognized over the years for consistently offering high deposit rates on both variable and fixed rate accounts, as well as exemplary customer service.

Connexus Credit Union CD Rates + Account Details

Connexus credit union offers both IRA CDs and standard CDs with terms ranging from 12 months to 5 years. Both their IRA CDs and standard CDs currently feature the same APYs for their respective terms.

Connexus Credit Union’s deposit products are federally insured by the NCUA (FDIC equivalent for credit unions) up to $250,000 per depositor or $500,000 for joint accounts.

All of their certificates of deposit require a minimum deposit of $5,000.

Connexus Credit Union CD Rates

CD TermAPY
12 months0.61%
24 months0.71%
36 months0.80%
42 months0.86%
48 months0.86%
60 months0.91%

To put these offers in perspective the current national average for a 12 month CD and a 60 month CD sit at just 0.22% APY and 0.55% APY, respectively.

You’ll be given a 10 day grace period upon maturity of your deposit where you can either withdraw or deposit funds penalty free.

If you need to withdrawal money from this deposit prior to its maturity you will be subject to the following early withdrawal fees:

  • For the 12 month certificate, you’ll pay 90 days’ worth of dividends.
  • For the 24-month and 36-month certificates, you’ll pay 180 days’ worth of dividends.
  • For the 60-month certificate, you’ll pay 365 days’ worth of dividends.

Connexus Credit Union Money Market Account Rate + Details

Connexus Credit Union offers some highly competitive money market rates if you:

  1. keep a high daily active balance in the account of $50,000 or more, and
  2. have an active checking account with them, and
  3. open a basic Regular Savings or Youth Savings account and fund it with at least $5.

Keeping an active checking account will likely be the hardest qualification to meet if you are new to Connexus Credit Union and already conduct checking elsewhere.

Connexus Credit Union defines an active checking account as a single checking account with Connexus under the same membership with:

  • Direct Deposit of net pay, including salary, wages, government benefits, or pension made to the account each month;
  • having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month;
  • and electing to receive eStatements. ATM transactions not included.

Connexus Credit Union Money Market Rates

BalanceAPY
$0 to $999.990.00%
$1k – $9,999.990.50%
$10k – $19,999.990.60%
$20k – $49,999.990.75%
$50k – $99,999.991.00%
$100K +1.15%

To give the APYs above more context, the current national average for a money market account sits at just 0.11% APY currently.

We also want to point out that according to Connexus Credit Union’s deposit rate page, these money market rates haven’t changed since January. Given the FED’s multiple rate drops since then plus their commitment to keep rates near zero through 2022, we wouldn’t be surprised to see Connexus lower these rates soon.

image credit: connexuscu.org

The minimum deposit requirement for a money market account with Connexus credit union is $1,000. Interest is compounded monthly and credit monthly. There is no monthly maintenance fee associated with this account.

Outside of the checking account requirement there are a few other oddball rules tied to Connexus credit union’s money market accounts.

  1. If you make a cash withdrawal it must be at least $250.
  2. You may write checks with this account (if you order a box of checks for $16.90/100 checks), BUT you are allotted just three per month. Every check after the third will cost you $29.95 per check.

You can also only make a total of six transactions per month. This includes check, ACH, digital transfer or telephone transfer. This is par for the course for money market accounts and demand deposit accounts in general, per Federal Regulation D. If you need to get around these limits, you can make unlimited transactions through an ATM or at an in-person Connexus branch. Connexus is a part of a shared branch network featuring over 6,000 branch locations across the country.

Connexus Credit Union Health Savings Account Rates + Details

Connexus Credit Union’s Health Savings Account features some of the most competitive rates in the country currently if you can maintain a balance of $5,000 or more.

A HSA (Health Savings Account) from Connexus credit union will allow you to put money aside on a pre-tax basis for qualified medical expenses that may arise in your life. These accounts earn impressive dividends and your money rolls over from year to year if you don’t use it.

To be eligible for an HSA account through Connexus credit union you must meet the following requirements:

  • You are covered under a High Deductible Health Plan (HDHP)
  • You have no other health coverage except what is permitted under “Other health coverage,” listed on IRS.gov
  • You are not enrolled in Medicare
  • You cannot be claimed as a dependent on someone’s tax return

Contribution Limits

20192020
Single$3,500$3,550
Family$7,000$7,100

Contributions can be made by either you or your employer up to the maximum limit specified by law. Individuals age 55 and older can make an additional $1,000 catch-up contribution.

Connexus Credit Union Health Savings Account Rates

BalanceAPY
$0 to $99.990.00%
$100 to $499.990.50%
$500 to $2,499.991.00%
$2,500 to $4,999.991.00%
$5k to $14,999.991.50%
$15k +2.00%

Who is Eligible to Join Connexus Credit Union

Connexus Credit Union offers its services to customers nationwide. It has four paths to membership. The first three are the easiest/fastest ways to join, followed by the fourth way which is essentially a loophole for any US citizen to join. The four paths to membership are as follows:

  • Employees, retirees, family members, or members of one of the following groups, or
  • Residents of one of the following communities, or
  • Spouses, family members, and those living in the same household of an existing member, or
  • Members of the Connexus Association. This just requires a one-time $5 donation.

Applying for membership is a straightforward process. You will need:

  • Valid Driver’s License/State ID/Passport
  • Valid United States Social Security Number
  • Account information for accounts that you would like to close and/or transfer money from.

Final Thoughts

If you value top-notch rates from a member-centric credit union, then Connexus credit union deserves your consideration. They’ve been nationally recognized for abnormally high rates and outstanding service by CNN Money, Kiplinger, PC Magazine, BankRate, the AARP and more.

Both their native apps for Apple and Android receive high marks in their respective app stores. Averaging a 4.7 star rating out of 5 for Apple and a 4.3 star rating out of 5 for Android.

That said, one of their highest yielding accounts (the money market account) comes with some potentially difficult hoops to jump through. However, if you are able to open and maintain an active checking account with them (the prerequisite to opening their money market account) you’ll be rewarded with some of the best yields available on the money market side.

Axos Bank CD Rates – Up to 0.40% APY


image credit: axosbank.com

Depending on your age, some of you may remember Axos Bank as “Bank of the Internet USA” back in the late ’90’s and early 2000’s. The bank was one of the first digital banks anywhere in the world. They opened their proverbial doors back on July 4, 1999. The founders intentionally opened on a national holiday (fourth of July) to plant the idea in people’s minds that a bank could be open 24/7 in the age of the internet.

After a series of mergers and acquisitions and re-financings throughout their short life, the bank officially became Axos Bank on October 1st, 2018. The company also moved from the tech-heavy NASDAQ to the NYSE at that time.

Today, Axos Bank offers a wide range of digital products on both the loan (auto, personal, mortgage) and savings (checking, savings, CD) side.

In this review we will just focus on their FDIC-insured certificates of deposit. Axos Bank currently offers seven standard term CDs ranging from 3 months to 5 years. While their CDs are still on par with the current national average, more competitive rates can be found through other online banks or nationally available credit unions.

Axos Bank CD Rates + Account Details

Axos Bank CDs are federally insured by the FDIC up to $250,000 per depositor or $500,000 on joint accounts. All of their CD’s come with a minimum deposit requirement of $1,000.

Axos Bank CD Rates

TermAPY
3 months0.25%
6 months0.25%
12 months0.40%
24 months0.40%
36 months0.40%
48 months0.40%
60 months0.40%

Axos Bank’s current CD rates represent a growing trend of flat-lining rates across longer terms that we see with a lot of online bank CDs currently.

To put these offers in perspective the current national average on a 12 month CD sits at just 0.22% APY, while a 60 month CD yields roughly 0.41% APY nationally.

How to Open and Fund Your Axos Bank CD

Complete the online application in minutes!

Opening a certificate of deposit account with Axos Bank can be done in minutes. To get started, navigate to the Axos Bank CD page.

From here, you can either click on the yellow “Open an Account” button at the top of the page or navigate down the page to the specific deposit term you’re looking for and click “Open an Account” in the right hand column.

Here’s what you will need to complete your application:

  1. Full Name
  2. Address
  3. Phone Number
  4. Social Security Number
  5. US driver’s license or state ID (If you open the account via photo capture for quicker approval)
  6. Occupation

Funding the account can be done with as little as $1,000. If you plan on funding the account right after opening it, you should have your routing number and bank number handy from the institution/account the funds are coming from.

Axos Bank allows for remote deposit as well. Remote deposit allows the customer to make deposits to their qualified Axos account from their home, office or other remote location. Customers may use MyDeposit for personal use as long as the Bank provides access to MyDeposit to the customer and they have accepted the Terms and Conditions. MyDeposit allows the deposit of one check at a time by scanning the check.

You may also deposit checks using your mobile device. To facilitate this you may download the Axos Bank app for Android or IOS.

How is Interest Calculated on Axos Bank CDs

Interest on Axos Bank certificates of deposit is compounded daily and credited monthly.

Axos Bank also allows free electronic interest transfers for those that may be living off the interest as income and need the funds to be accessible.

Early Withdrawal Penalties

Early withdrawal penalties are only listed on the Axos Bank website in the context of IRA CDs. So if you are holding your Axos Bank certificate of deposit in an IRA, here’s what you can expect to pay if you make an early withdrawal from you CD:

IRA CD Early Withdrawal Penalty

  • Retirement CD term of 12 months or 18 months, six months loss of interest, accrued or not.
  • Retirement CD term of 36 months, eighteen months loss of interest, accrued or not.

If you are just holding an Axos Bank CD in a standard account, then here is what Axos Bank stipulates as it pertains to early withdrawal penalties:

You have contracted to keep your funds on deposit for the agreed term. You may not withdraw all or part of a retirement CD except as provided in this Agreement. At our discretion, we may allow you to withdraw all or part of your funds at times other than the grace period. We withdraw interest before principal. Each time we permit you to make an early withdrawal of principal, we may charge you an early withdrawal penalty. If your account has not earned enough interest to cover the early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal.

Grace Period

As with most online CDs, Axos Bank has a 10 day grace period in which you can add or withdraw funds from your deposit penalty free.

All of Axos Bank certificates of deposit automatically renew after their grace period, so be sure and set yourself reminders for this period. Axos Bank will also send you a notification 30 days prior to maturity.

Final Thoughts

While Axos Bank CD rates have been competitive in the past, the seven standard term CDs they offer today are fairly lackluster.

In most cases, the rates are on par with the national average for their respective terms, but better APYs can be found elsewhere online and/or with nationally available credit unions.

NEFCU CD Rates – Now up to 2.17% APY


image credit: nefcu.com

[Update: August 21, 2020 – NEFCU cut the APY on their Future Saver Plus Certificate promotion by 0.10% APY across all balances.]

[Update: July 16, 2020 – NEFCU cut the APY on all of their standard certificate of deposit products as well as their Future Saver Plus Certificate promotion.]

[Update: June 18, 2020 – NEFCU cut the APY on all of their standard certificate of deposit products by 0.05 – 0.10% APY.]

Update: April 27, 2020 – NEFCU rolled back the APY on their standard CDs as well as their promotional “Future Saver Plus Certificate.” The Future Saver Plus now yields 2.52% APY (down from 2.78% APY last month) on amounts under $5,000 and 1.25% APY on yields above (down a hair from 1.26% last month).

Update: March 2020 – After the most recent rate drop by the FED, New England Federal Credit Union rolled back the yield on their “Future Saver Plus Certificate” from 3.05% to 2.78% APY on balances up to $5,000 and dropped it from 1.61% APY to 1.26% APY on balances above $5,000. They also rolled back the APY on their standard CD products with terms greater than 6 months, while 3 and 6 month yields remain unchanged.]

If you live in Vermont and are interested in purchasing a certificate of deposit with a respectable APY you may want to head over to NEFCU to check out their current 12 month CD promotion.

Currently, New England Federal Credit Union (NEFCU) has a promotional 12 month “Future Saver Plus Certificate” featuring a variable APY of 2.17% on balances up to $5,000 and 0.90% APY on balances of $5,001 or greater.

The APY on this deposit blows away the top rates on 12 month CDs currently, however the account comes with two distinct drawbacks.

First, is the low ceiling on deposit amounts allowed to earn the APY (only applies to amounts up to $5,000) and the second is the fact that the rate is variable. Meaning the institution can change it at any time without notice, even while your deposit is open.

That said, if you are eligible to join and have been looking for a high APY deposit product to place $5,000 – $10,000 into, then this might be your most lucrative option.

NEFCU “Future Saver Plus Certificate” 12 Month Term

Here are the APYs associated with the account as well as the minimum deposit requirement and balance tiers.

CD TermMin DepositBalance TierAPY
12 month$25$0 – $5,0002.17%
12 month$25$5,000 +0.90%

*Remember these rates are variable which means they can change at any time without notice even while your deposit is active.

NEFCU CD Rates

Outside of the Future Saver Plus Certificate promotion (above), NEFCU has a fairly standard set of CD products called “Term Share Certificates.” The APY on these CDs beat the national average on most terms but not by any significant margin. See rates and terms below.

CD TermMin DepositBalance TierAPY
90 – 179 days$1,000Under $25,0000.40%
$25,000 +0.55%
180 – 364 days$1,000Under $25,0000.50%
$25,000 +0.65%
12 – 23 months$1,000Under $25,0000.60%
$25,000 +0.75%
24 – 35 months$1,000Under $25,0000.70%
$25,000 +0.85%
36 – 59 months$1,000Under $25,0000.80%
$25,000 +0.95%
60 months +$1,000Under $25,0000.90%
$25,000 +1.05%

All of the above deposit products by NEFCU come with a minimum deposit requirement of $1,000 and are federally insured by the NCUA (FDIC equivalent for credit unions) up to $250,000 against insolvency by the institution.

About NEFCU (New England Federal Credit Union) + Eligibility

New England Federal Credit Union is the largest credit union in the state of Vermont with 90,000 members and roughly $1.3 billion in assets.

They open their arms to individuals, businesses and families within 6 counties of northwestern Vermont.

Currently anyone who lives, works, worships or attends school in Addison, Chittenden, Franklin, Grand Isle, Washington and Lamoille counties are eligible for membership.

Final Thoughts

If you live in northwestern Vermont and are in the market for a federally insured deposit with a respectable APY then you may want to consider the 12 month variable rate “Future Saver Plus Certificate” promotion.

Just keep in mind you’ll only earn the 2.17% APY on balances up to $5,000, so if you were considering a larger deposit or even a jumbo CD, then you’ll probably want to choose another option.

The deposit pays 0.90% APY on balances above $5,000 which still beats the national average on 12 month CDs by a respectable margin.

How to Replace your Chase Debit Card – Lost or Damaged


Replacement debit cards generally arrive within 3-5 business days.

We’ve all had it happen to us – you lose your wallet or purse during a night out with friends, or maybe you leave your Chase debit card at a store, bar or restaurant.

Not striking a chord? What about the continued wearing of your favorite debit card’s magnetic strip or chip reader?

Whatever the reason may be for needing to replace your Chase debit card, we’ve put together an easy step-by-step guide to get you a new one ASAP!

Request a Chase Debit Card Replacement Online

There are just six simple steps to follow to get a Chase debit card replacement online. To request a new Chase debit card online do the following:

  1. Login to your Chase.com account.
  2. Once logged in, click on the “account tile” associated with your lost card.
  3. Once on this account page, select the “Things you can do” drop down box.
  4. In the drop down you will see “Replace a lost or damaged card”
  5. From here you will select the card that needs to be replaced.
  6. You will receive a response within 1 business day.

Please allow 3-5 business days for your debit card to arrive.

Request a Chase Debit Card Replacement Over the Phone

Would you rather chat with a representative to have your debit card replaced?

No problem.

You can easily have your Chase debit card replaced over the phone as well. Chase Customer Service is available 24/7 to assist you with any needs you may have including replacement cards.

Here are the steps to getting your Chase debit card replaced over the phone:

  1. Call 1-800-432-3117.
  2. Once connected with a representative you will need to provide a brief summary of what you believe happened to your card.
  3. After this, you will need to confirm both your identity and your mailing address.

Again, please allow for 3-5 business days for your new card to arrive.

Other Options

You may alternatively go into a local Chase branch and request a new debit card, however Chase Bank does not print debit cards on the spot like some banks and credit unions do.

You will be asked the same line of questioning as you would over the phone and you can still expect the 3-5 business day arrival.

Please note that you can expedite delivery for $5, but this will only move things up to 2-3 business days.

While you wait for your Chase debit card to arrive you may need to pay for stuff. This can be done a few different ways.

The Chase Mobile App has many options that should cover you on money transfers using Chase QuickPay. QuickPay with Zelle allows you to transfer money to almost any US bank account within minutes. Many of the country’s largest banks are partnered with Zelle including Wells Fargo, Citibank, Bank of America, Capital One, and more. Even if the recipient isn’t banking with a Zelle partner the transfer will still function as like a standard ACH transfer and arrive within 2 business days.

You could also write checks to pay bills and make payments or use Chase Pay for simpler, everyday purchases. Chase Pay functions more or less like Google or Apple pay but isn’t accepted everywhere.

Final Thoughts

There are multiple avenues to take when looking to replace your Chase debit card, just remember all boil down to a 3-5 business day wait. So be sure to make appropriate plans to cover all your payments in the meantime.