While your digital debit card is immediately available in the app once you open your account, your physical debit card will arrive within 7-10 calendar days after funding your account or requesting a replacement. If you need it sooner, you can request expedited shipping for a $20 fee by contacting Kudzu Customer Care at 1-855-751-0025. Kudzu+4 customers receive expedited shipping for their new debit card at no cost. Expedited cards typically arrive within 3-5 business days.