Square Debit Card
A better business debit card
As soon as a Square sale comes in, the money can be spent from your Square Checking account and debit card—no waiting.
Square, Inc. is a financial services company, not a bank. Square Checking is provided by Sutton Bank, Member FDIC.
Make a sale, and spend instantly
Your money goes directly into your checking account after every Square sale, and can be spent with your business debit card.
Your card is ready to go, right away
Add your card to Apple Pay® or Google Pay™, so you can use your phone to pay online, in app, or in person right away—even before it arrives in the mail.
Free of the usual account fees
|Square Checking||Other banks|
|Square sales instantly funded||0%||1%–1.5%|
|Monthly service or maintenance fees||$0||$10–$16 per month|
|Minimum opening deposit||$0||$25–$1,500|
|Overdraft fees||$0||$35 per item|
|Minimum balance requirement||$0||$500–$5,000|
|Foreign transaction fees||0%||1–3%|
|ATM fees||$0 charged by Square;
ATM operator fees apply
|$3–5, plus ATM operator fees|
Tailor-made for business owners
Add your signature, and stand out with a business debit card that’s all about you.
Keep your hard-earned money safe
Get a verification text any time you sign in, and protect your account from unauthorized activity.
Easily lock and unlock your card from your mobile device, and keep your money secure.
- How do I sign up for a Square Debit Card?
Square Debit Card comes with a Square Checking account. To open a Square Checking account:
- Go to the Balance applet in your Square Point of Sale app or web Dashboard and select Square Checking
- Select Open account
- Verify your information
- Personalize your business debit card
- Confirm the shipping address for your business debit card
- How long does it take for my card to arrive after I order it?
Your card will arrive within 7–10 days after you order it.
You can also use your card digitally as soon as you open your checking account, so you don’t have to wait for the physical card to arrive in the mail. Add your card to Apple Pay or Google Pay or display your card information in your Square Point of Sale app to see your card details to start spending right away.
- How do I activate my physical card?
Once your physical card arrives in the mail:
- Visit the Balance section of your Square Point of Sale app or Dashboard
- Select Square Checking
- Select Activate physical card
- Check the email associated with your Square account for a one-time passcode
- Enter the passcode
- Enter the expiration date and CVV on the back of your card
Your physical card is now ready to be used for purchases with a tap, dip, or swipe!
- Can I use my Square Debit Card at ATMs?
Yes, Square Debit Card can be used at any ATM that accepts Mastercard® debit cards. Third-party ATM operator fees may apply.
- What are the Square Debit Card ATM limits?
The maximum amount which can be withdrawn at an ATM is $500 per transaction; $1,000 per day; $1,000 per week; and $2,000 per month.
Small business owners and managing your money
Square Debit Card is now part of Square Checking
Get a free business checking account with instant access to your Square sales—no monthly fees, no minimums.
Square, Inc. is a financial services company; not a bank. Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted.
Instant availability of Square sales. Funds generated through Square’s payment processing services are generally available in the Square checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.
FDIC insurance: Square Checking account funds are FDIC-insured up to the allowable limits through Sutton Bank, Member FDIC and its program banks (typically up to $250,000). Coverage limit is subject to aggregation of all of the account holder’s funds held at Sutton Bank or its program banks.
Overdraft: Square Checking currently does not support overdrafting. Any transactions or transfers exceeding the available balance will be declined.
ACH transfer fund availability: Instant availability does not apply to funds added to the Square checking account via ACH transfer. ACH credit transfers to your account may take 1–2 business days.