How to use debit cards
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Open up a checking account at a local bank. Most banks will require you to be at least 18 to open an account and obtain a debit card. Different banks may offer incentives for opening up checking accounts, so call several and compare offers. You might come away with free checking, interest checking, monetary incentives for opening an account and free checks.
Visit the bank and inform the teller that you would like to open up a checking account. You will need a driver’s license, your social security number and proof of residence. Some banks may require the social security card itself.
Fill out the application. You will have to make a minimum deposit, usually around $100. The teller will provide your account number on a temporary card. Your debit card will be mailed to you, typically in eight to 10 days. When you open a new account
there is typically a 10-day hold put on a portion of your deposit while the account is being established. If you need to access your money sooner, only make a small deposit and keep the rest of your cash on hand or in another institution.
Request a card in your name. If you have a joint bank account, but you do not have your own debit card, all you have to do is make a request for a card. You can do this by calling up your bank’s customer service department and verifying your identity by answering security questions. You can also request a card by visiting your local branch and giving them your license and account number.
Establish your PIN number. That's the number that will prevent unauthorized individuals from using your debit card. Identity thieves can be highly creative, so get advice from your bank on how to create a strong PIN.Source: ehow.com