Instant Gratification with Instant Issue Cards

There are more payment options than ever before, and financial institutions must compete to win. In our world of instant gratification, consumers don’t want to wait 8-10 business days to receive a debit card in the mail. They expect it immediately, at the time they open their account, whether in-person at the branch, over the phone, or online. Known as the “Amazon Effect” because of the retail giant’s ability to remove friction from the online shopping process, today’s consumers demand the same level of speed and convenience wherever they go.

Instant issued cards keep your card solution top of wallet, improve the account holder experience and increase opportunities for meaningful engagement with your customers. Having an instant card issuance solution also means achieving payment stickiness. Activation and usage rates average as high as 89 percent. A Harland Clarke study shows, on average, customers use their instant issue cards within the first 93 minutes of activation compared to the first 10 days as with standard issue. The result of this may translate to an increase in non-interest income for your bank.

As a BBOK endorsed partner, Harland Clarke’s Card@Once® solution, gives banks a cost-effective way to instantly produce and distribute a fully functioning debit card to customers at the time of an account opening or upon request in a lost or stolen situation. Best of all, it’s done directly in the branch. There is no software to purchase, no maintenance fees and no annual contracts – banks simply pay for the cards printed. Card@Once® provides personalized cards that are chip-enabled, fully EMV compliant and compatible with your bank’s current debit program.

To learn more, contact Tim Davie with Harland Clarke at 918.688.4293 or

The Kansas Correspondent – 3rd Quarter 2019