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Square Debit Card A better business debit card

Access your sales instantly¹ with your Square Checking account and debit card and get up to five additional cards for your business.

Sign up in just 2 minutes! Not on Square yet? Join today to start a checking account.

Deposits are FDIC-insured up to $250,000. ²

Make a sale, and spend instantly

As soon as a Square sale comes in, the money can be spent from your Square Checking account and debit card — no waiting.

Use your digital card right away

Add your card to your digital wallet to spend in stores, online, or in apps with Apple Pay® or Google Pay™.


No need to share a single debit card or wait to purchase the supplies your business needs.


Empower business partners to purchase what they need, when they need it.


Keep all business spending in one place and get more visibility into team spending.

Free of the usual account fees

Square Checking
Other banks

Square sales instantly funded



Monthly service or maintenance fees


$10–$16 per month

Minimum opening deposit



Overdraft fees


$35 per item

Minimum balance requirement



Foreign transaction fees



ATM fees

$0 charged by Square; ATM operator fees apply

$3–5, plus any ATM operator fees

Help keep your hard-earned money safe

Two-step verification

Get a verification text any time you sign in to help protect your account from unauthorized activity. 

Card lock

Easily lock and unlock your card from your mobile device, and keep your money secure. 


Your checking account is insured by the FDIC up to $250,000.²


  • Square Debit Card comes with a Square Checking account. To open a Square Checking account:

    1. Go to the Balance applet in your Square Point of Sale app or web Dashboard and select Square Checking

    2. Select Open account

    3. Verify your information

    4. Personalize your business debit card

    5. Confirm the shipping address for your business debit card

  • 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.

  • Once your physical card arrives in the mail: 

    1. Visit the Balance section of your Square Point of Sale app or Dashboard

    2. Select Square Checking

    3. Select Activate physical card 

    4. Check the email associated with your Square account for a one-time passcode

    5. Enter the passcode 

    6. 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!

  • Yes, Square Debit Card can be used at any ATM that accepts Mastercard® debit cards. Third-party ATM operator fees may apply.

  • 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.

  • You can order up to five Square Debit Cards for your Square Checking account at no additional cost. Additional debit cards can be for the account owner or for four other individuals.

Learn about cash flow and business finances

Get the checking account made for Square business owners

Skip the daunting paperwork and sign up for a Square Checking account and debit card in just 2 minutes.

Block, 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.

¹ Instant availability of Square payments. 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.

² 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.

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.

Overdraft: Square Checking currently does not support overdrafting. Any transactions or transfers exceeding the available balance will be declined.

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