Once your physical debit card is activated, you will need to set a PIN before you can use your card:
Log in to your account at www.navchecking.com
Choose Cards on the menu
Choose the Manage cards button
Select Business Debit Card and then the Continue button
Select Set PIN and then the Continue button
Enter a 4-digit PIN and then the Confirm button
Once your card is activated and your PIN is set, you can use your physical debit card to make business purchases