Most savings accounts do not automatically come with an ATM card, but you can request one

When you open a savings account at a bank or credit union, you typically receive a debit card tied to a checking account if you open one, but a savings account alone usually does not include a card. Some banks bundle them together—if you open both a checking and savings account at the same time, you may get one debit card that accesses both. Other banks keep them separate. You need to ask your bank directly what comes with your specific account, because the answer depends on the institution and the account type you choose.

If your savings account does not come with a card and you want one, you can request an ATM card (sometimes called a savings card or passbook card) from your bank. This is different from a debit card. An ATM card works only at ATMs and typically only for withdrawals, transfers, and balance checks—not for purchases at stores. Some banks issue them automatically; others require you to ask. The process usually takes a few business days to a week.

Key Takeaways

  • Savings accounts alone do not automatically include an ATM card; you may need to request one from your bank.
  • An ATM card for a savings account typically works only at ATMs and for basic transactions like withdrawals and transfers, not for store purchases.
  • If you want both checking and savings access through cards, ask whether your bank issues one debit card for both or separate cards for each.
  • The time to receive an ATM card after requesting one is usually three to seven business days, depending on your bank.

How ATM cards differ from debit cards

An ATM card is designed specifically for cash withdrawals and account management at automated teller machines. It cannot be used to buy groceries, pay for gas, or make purchases anywhere else. A debit card, by contrast, works at ATMs and also at any merchant that accepts card payments. If your bank offers you a debit card tied to your savings account, you can use it both at ATMs and in stores.

Many banks prefer to issue debit cards rather than ATM-only cards because they are more versatile. However, some banks—particularly credit unions and smaller regional banks—still offer ATM cards as a separate product. If you want an ATM card specifically because you prefer not to use your savings account for everyday purchases, you can ask your bank whether they offer one. If they do not, a debit card is the alternative.

What to do if your bank does not offer ATM cards

If your bank does not issue ATM cards and only offers debit cards, you have a few options. The first is to accept the debit card and straightforward use it only at ATMs if you prefer to keep your savings separate from spending. The second is to open a checking account as well, which typically comes with a debit card you can use for everyday purchases, leaving your savings card untouched. The third is to switch banks if ATM card access is important to you.

Before switching, check whether your current bank allows you to withdraw cash at ATMs using your savings account number and PIN, even without a physical card. Some banks offer this through their mobile app or by calling customer service. This is not as convenient as carrying a card, but it is an option if you need occasional access to cash.

Fees and limits on ATM card use

Using an ATM card at your own bank's ATMs is usually free. However, if you use an ATM owned by a different bank or network, you may be charged a fee—typically $1 to $3 per transaction. Some banks reimburse out-of-network ATM fees; others do not. Check your account agreement or ask your bank about their ATM fee policy before you request a card.

Many banks also set daily withdrawal limits on savings accounts, often between $500 and $1,000 per day. This limit applies whether you withdraw cash at an ATM, at a teller window, or through a transfer. If you need to withdraw more than your daily limit, you can contact your bank to request a temporary increase, though this is not always possible and may take time to process.

How to request an ATM card from your bank

To request an ATM card, contact your bank through their website, mobile app, phone line, or by visiting a branch in person. Most banks allow you to order a card online or by phone within minutes. You will need to provide your account number and verify your identity. Some banks issue the card when ready in the app; others mail a physical card to your address on file.

If you are ordering by mail, the card typically arrives within three to seven business days. If you need cash urgently and do not have a card yet, you can withdraw money at a teller window or through your bank's mobile app if they offer cardless ATM withdrawal. Ask your bank whether they support this feature before your card arrives.

Savings accounts with debit cards included

Some banks market savings accounts that come with a debit card built in. These are often called "all-in-one" or "combined" accounts. If you open one of these, you get a single card that accesses both your checking and savings balances. The advantage is convenience; the disadvantage is that you might spend from savings accidentally if you are not careful about which account you are drawing from.

If your bank offers this option, ask whether the card defaults to checking or savings, and whether you can set spending limits on the savings portion. Some banks allow you to lock the savings account so the card cannot access it, which adds a layer of protection if you want to keep that money separate.

Frequently Asked Questions

Can I use my savings account number to withdraw cash at an ATM without a card?

Some banks allow cardless ATM withdrawal through their mobile app, which generates a one-time code you enter at the ATM. Others do not offer this feature. Contact your bank to find out whether it is available for your account. If it is, you can withdraw cash without waiting for a physical card to arrive.

What happens if I lose my ATM card?

Call your bank when ready to report the card lost or stolen. They will deactivate it so no one else can use it. Your bank will mail you a replacement card, which usually arrives within five to ten business days. In the meantime, you can withdraw cash at a teller window or use cardless ATM withdrawal if your bank offers it.

Do I need a separate card for my savings account if I already have a checking account debit card?

Not necessarily. If your debit card is linked to both accounts, you can access your savings through it. However, if you want to keep your savings separate and avoid the temptation to spend from it, you can request a separate ATM card for your savings account only. Ask your bank whether they allow this.

Is there a fee to request an ATM card?

Most banks do not charge a fee to request or receive an ATM card. However, some banks charge a small fee ($5 to $10) if you request a replacement card after losing or damaging the original. Check your bank's fee schedule or ask before you order.

Can I get an ATM card for a savings account at a credit union?

Yes. Credit unions typically offer ATM cards for savings accounts, and many reimburse out-of-network ATM fees if you use an ATM outside their network. Ask your credit union what card options come with your savings account and what fees explore.