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Frequently Asked Questions

Below are some general frequently asked questions. For additional or specific information about your Card account, please refer to the material in your Economic Impact Payment (EIP) Welcome Packet and found on EIPCard.com. If you cannot find an answer to your question below, please contact Customer Service at 1.800.240.8100.

Top Questions

Will my round three payment be deposited, or loaded, on to my round one or two EIP Card?
(updated March 30, 2021)

No. EIP Cards issued for the first or second round of Economic Impact Payments are not being reloaded. If you received EIP Cards for round one or round two stimulus payments, they all have separate balances, and you should keep those earlier EIP Cards until the balance for each EIP Card reaches zero.

How do I activate my EIP Card? (updated March 30, 2021)

Call 1.800.240.8100. During activation, you will be asked to input your Card Number, last 6-digits of your social security number and the 3-digit security code from the back of your Card. You could be asked to further validate your identity by providing, at minimum, your name and address and answer identity verification questions.

You will also be asked to create a 4-digit PIN required for ATM transactions, request automated assistance and to hear your balance. For your Account security, do not use personal information as your PIN. For Cards with more than one name, only the primary Cardholder (listed first on the Card) may activate the Card.

How can I transfer the funds from my EIP Card to my bank account? (updated March 17, 2021)

There are multiple ways to transfer the funds¹ from your EIP Card to an existing bank account at no cost to you. You will need the Routing and Account number for your bank account to complete the transfer.

Transfer funds online at EIPCard.com

  1. Be sure you have activated your EIP Card before attempting to transfer funds.

  2. Register for online access by going to EIPCard.com and click on “Login” and “Register Now”. Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy.

  3. Select “Transfers in U.S.” under Money Out.

  4. Follow the steps to set up your destination bank account prior to completing your ACH transfer.

  5. Transfers should post to your bank account in 2-3 business days.

Transfer funds using the Money Network Mobile App

  1. Be sure you have activated your EIP Card before attempting to transfer funds.

  2. Download the Money Network Mobile App² and register for mobile access by clicking “New User?”. Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy.

  3. Click the top left menu and click “Send Money to an External Bank Account” under Move Money Out.

  4. Follow the steps to set up your destination bank account prior to completing your ACH transfer.

  5. Transfers should post to your bank account in 2-3 business days.

Transfer funds by calling 1.800.240.8100

  1. Be sure you have activated your EIP Card before attempting to transfer funds.

  2. Call 1.800.240.8100 and follow the prompts to authenticate with the Interactive Voice Response Unit (IVRU).

  3. Once authenticated by the IVRU, follow the prompts to set up your destination bank account prior to completing your ACH transfer.

  4. Transfers should post to your bank account in 2-3 business days.

ACH Transfer to Domestic Bank Limits Apply: $6,000 per transaction | $6,000 per month. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

How do I obtain a replacement EIP Card? (updated March 30, 2021)

If your Card is discarded or destroyed, it is important that you call Customer Service at 1.800.240.8100 immediately and choose the option for assistance with a replacement, reissue, lost, or stolen Card.

Your discarded or destroyed Card will be deactivated to prevent anyone from using it and, upon your request, a replacement Card will be provided at no cost to you. Please see your Cardholder Agreement online at EIPCard.com for more information.

I received a notice to activate my EIP Card, but I do not have a Card, what should I do? (updated March 30, 2021)

If you haven’t received your EIP Card, or if you may have accidentally thrown it away, please call Customer Service at 1.800.240.8100 and choose the option for assistance with a replacement, reissue, lost, or stolen Card.

Upon your request, a replacement Card will be provided at no cost to you. Please see your Cardholder Agreement online at EIPCard.com for more information.

Overview

What is the Economic Impact Payment Card? (updated March 17, 2021)

The Economic Impact Payment (EIP) Card is a prepaid debit card distributed to eligible recipients that contains the first round of Economic Impact Payments under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the second round of Economic Impact Payments under the COVID-related Tax Relief Act of 2020 or the third round of Economic Impact Payments under the American Rescue Plan Act of 2021 that will begin mailing the week of March 22, 2021.

The EIP Card is sponsored by the Department of the Treasury Bureau of the Fiscal Service, managed by Money Network Financial, LLC and issued by Treasury’s financial agent, MetaBank®, N.A. For more information about Economic Impact Payments, click here.

Will EIP Cards be used for the third round Economic Impact Payments? (updated March 17, 2021)

Yes. To deliver the third round of Economic Impact Payments as rapidly as possible, the Treasury Department and the Internal Revenue Service will send Economic Impact Payments (EIPs) by prepaid debit card starting the week of March 22, 2021. To learn more, please click here.

How will I receive my EIP Card?

Your EIP Card will be mailed to you at the most recent mailing address filed with the IRS.

How will I recognize my EIP Card? (updated January 4, 2021)

Your EIP Card will arrive in a white envelope that prominently displays the U.S. Treasury seal and includes “Economic Impact Payment Card” in the return address. The envelope also states that it contains “Important information about your Economic Impact Payment.” The Visa® name will appear on the front of the Card; the back of the Card has the name of the issuing bank, MetaBank®, N.A. Information included with the Card will explain that the Card is your EIP Card.

Why did I receive an EIP Card?

You received an EIP Card because you are eligible for an Economic Impact Payment and the IRS did not have your bank account information. The EIP Card allows you to quickly access your Economic Impact Payment.

How was my Economic Impact Payment amount calculated?

The dollar amount of the funds deposited on to your EIP Card was calculated by the IRS. If you have further questions regarding the calculation, click here to visit the Economic Impact Payment Information Center for more information.

Will my round three payment be deposited, or loaded, on to my round one or two EIP Card? (updated March 30, 2021)

No. EIP Cards issued for the first or second round of Economic Impact Payments are not being reloaded. If you received EIP Cards for round one or round two stimulus payments, they all have separate balances, and you should keep those earlier EIP Cards until the balance for each EIP Card reaches zero.

I received my first or second round of Economic Impact Payments on an EIP Card, should I expect to receive my third round payment on an EIP Card? (updated March 17, 2021)

If you are eligible to receive a third round payment, the form of payment for the third mailed Economic Impact Payment may be different than for the first or second mailed Economic Impact Payment. Some people who received a paper check previously might receive a debit card this time, and some people who received a debit card previously may receive a paper check.

What if I never received my full Economic Impact Payment? (updated March 17, 2021)

If you didn’t get any payments or got less than the full amounts, you may qualify for the Recovery Rebate Credit on your 2020 tax return. For more information, please see the Recovery Rebate Credit section on IRS.gov.

What safeguards are in place to protect the privacy of my personal information? (updated August 20, 2020)

We take the privacy and confidentiality of our Card recipients very seriously. There are numerous federal and state regulations in place to protect consumers and safeguard your information, including the Right to Financial Privacy Act, the Gramm-Leach-Bliley Act and more. The EIP Card program complies with all current requirements, and under no circumstances do we sell cardholder information to third parties.  Additionally, the EIP Card is sponsored by the U.S. Treasury Department under requirements that prohibit us from using or disclosing, for any commercial purpose, any confidential information we receive in connection with the program including your personal information. 

Getting Started

How do I activate my EIP Card? (updated March 30, 2021)

Call 1.800.240.8100. During activation, you will be asked to input your Card Number, last 6-digits of your social security number and the 3-digit security code from the back of your Card. You could be asked to further validate your identity by providing, at minimum, your name and address and answer identity verification questions.

You will also be asked to create a 4-digit PIN required for ATM transactions, request automated assistance and to hear your balance. For your Account security, do not use personal information as your PIN. For Cards with more than one name, only the primary Cardholder (listed first on the Card) may activate the Card.

How do I set up a User ID and Password for online access?

Go to EIPCard.com and click on “Register.” Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy. You can use the same User ID and Password created for online access to access the Money Network® Mobile App². For Cards with more than one name, please use the primary Cardholder information (listed first on the Card) for online or Mobile App registration.

I received a message that my phone number was blocked when I called 1.800.240.8100. What can I do?
(February 2, 2021)

EIP Card Customer Service is unable to address phone calls from blocked telephone numbers, which could be caused by a setting with your carrier or on your mobile phone. You may change this setting with your carrier or on your mobile phone. Or, you may call us back from an unblocked number.

Using Your Card

How can I find the balance of my EIP Card? (updated January 4, 2021)

There are three easy and free¹ ways to access your EIP Card account balance information and transaction history:

  • Online: View your balance and transaction history online any time at EIPCard.com.
  • By phone: Call 1.800.240.8100 to hear your balance and transaction history using our automated voice response system.
  • Mobile App: Download the Money Network Mobile App² at the App Store® or on Google Play™.

How can I use my EIP Card? (updated August 20, 2020)

  • You can use your Card securely and without a fee¹ to make purchases anywhere Visa® Debit Cards are accepted — in stores, online or over the phone. You can also use your EIP Card to pay bills³, get cash back with a PIN debit purchase (where available), and get cash from an in-network ATMs Nationwide that carry the AllPoint or MoneyPass brands.¹
  • To find surcharge-free in-network ATMs, use our ATM locator found at EIPCard.com or in the Money Network® Mobile App². There’s no fee to withdraw cash at in-network ATMs that carry the AllPoint or MoneyPass brands, but fees may apply if you use an out-of-network ATM¹.
    To get cash, simply:
    1. Enter your 4-digit PIN
    2. Select “Withdrawal” from “Checking”

    While most services are free¹, see the fee schedule to understand the fees and transaction limits associated with optional services. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

How do I use the EIP Card with no fee¹? (updated March 17, 2021)

There are many ways you can use your Card without incurring a fee¹. You can:

  • Make signature or PIN-debit purchases anywhere Visa Debit Cards are accepted — in stores, online or over the phone.
  • Get cash back with a PIN debit purchase, where available.
  • Get cash from surcharge-free in-network ATMs Nationwide that carry the AllPoint or MoneyPass brands. To find surcharge-free in-network ATMs, use our ATM locator found at EIPCard.com or in the Money Network® Mobile App.²
  • Transfer funds to a personal bank account.
  • Withdraw cash at a domestic bank branch by conducting an over-the-counter cash withdrawal.
  • Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more details on using your Card without a fee¹.

Can I use my EIP Card to make purchases online?

Yes, you can use your Card to make purchases if the merchant’s website accepts Visa Debit Card payments. You will need to enter your EIP Card information: 16-digit card number, expiration date and 3-digit code from the Card back. Make sure you have used the correct billing address associated with your Card account. To review or change your billing address, log in to your Card account online at EIPCard.com and click on My Profile. For Cards with more than one name, the primary Cardholder name (listed first on the Card) may be required to complete the online purchase.

Point-of-Sale (POS) Transaction Limits Apply: $2,500 per transaction and per day (merchant cash back limit may be less). Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

Can I use my EIP Card to buy groceries and make other purchases at stores?

Yes, you can use your Card to make purchases at stores accepting Visa Debit Cards. Once you are ready to pay: Insert your Card into the card reader or present your Card and follow the prompts on the screen. You can choose to sign for the transaction or enter your 4-digit PIN. The process to make purchases may vary by merchant. You can get cash back at participating merchants when entering your 4-digit PIN for purchases.

Point-of-Sale (POS) Transaction Limits Apply: $2,500 per transaction and per day (merchant cash back limit may be less). Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

How do I buy gas with the EIP Card?¹

To purchase gas using your EIP Card, you should give your Card to the attendant to pre-pay for gas in order to avoid a pre-authorization. As with most debit cards, if you pay at the pump, merchants will pre-authorize your purchase, which temporarily puts a hold on your Card balance that could be greater than the transaction amount. Once processed, the money will be released, and your balance will be adjusted. Pre-authorized funds may take up to 7 business days to be released back to your Card account balance.

Can I use my EIP Card to withdraw cash at an ATM? (updated August 20, 2020)

Yes, you can use your Card to withdraw cash from ATMs. Visit our ATM Locator online at EIPCard.com or use the Money Network Mobile App² to find surcharge-free in-network ATMs near you that carry the AllPoint or MoneyPass brands. Out-of-Network ATMs will incur a small fee¹. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

There’s no fee to withdraw cash at in-network ATMs that carry the AllPoint or MoneyPass brands, but fees may apply if you use an out-of-network ATM.¹

To get cash, simply:

  1. Enter your 4-digit PIN
  2. Select “Withdrawal” from “Checking”
ATM Withdrawal Limits Apply: $1,000 per transaction and per day (bank limits may be less). see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

How can I get cash using my EIP Card?¹ (updated March 17, 2021)

There are multiple ways you can access cash using your Card (please note that limits may apply to the amount of cash you are able to withdraw at merchants and ATMs):

Cash from an ATM:
There’s no fee to withdraw cash at in-network ATMs that carry the AllPoint or MoneyPass brands, but fees may apply if you use an out-of-network ATM.¹ To find surcharge-free in-network ATMs, use our ATM Locator found at EIPCard.com or in the Money Network® Mobile App.²

To get cash, simply:

  1. Enter your 4-digit PIN
  2. Select “Withdrawal” from “Checking”

ATM Withdrawal Limits Apply: $1,000 per transaction and per day (bank limits may be less). Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

Cash-back from participating merchants:

The easiest way to get cash back with your Card is at the places you already shop, like grocery and convenience stores. Simply:

  1. Select “Debit” on the keypad
  2. Enter your 4-digit PIN
  3. Select “Yes” for cash-back
  4. Enter the amount and hit “OK”
Point-of-Sale (POS) Transactions Limits Apply: $2,500 per transaction and per day (merchant cash back limit may be less). Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

Cash from a bank or credit union teller:
You can visit any bank or credit union branch to withdraw cash, but fees may apply¹. To withdraw cash:
  1. Know your balance beforehand – the teller cannot tell how much money you have on your Card
  2. Ask the teller for the amount you would like to withdraw
  3. You’ll need your 4-digit PIN and may be asked for an additional form of ID
Bank/Teller Over-the-Counter Withdrawal Limits Apply: $6,000 per transaction and per day (bank limit may be less). Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

How much cash can I withdraw at a time from an ATM? (updated January 4, 2021)

ATM Withdrawal Limits Apply: $1,000 per transaction and per day. ATM owners may also have withdrawal limits in place. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

There’s no fee to withdraw cash at in-network ATMs that carry the AllPoint or MoneyPass brands, but fees may apply if you use an out-of-network ATM.¹ To find surcharge-free in-network ATMs, use our ATM Locator found at EIPCard.com or in the Money Network®Mobile App.²

To get cash, simply:

  1. Enter your 4-digit PIN
  2. Select “Withdrawal” from “Checking”

Can I pay my rent or mortgage with my EIP Card?

Yes, you can use your Card to pay your rent or mortgage if your landlord or mortgage company accepts Visa Debit Card payments. You will need to enter your Card information as directed by your landlord or mortgage company to complete your transaction. You can also use a free¹ Money Network Check to make these payments with the funds in your Card Account. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

What is a Money Network® Check?

Instead of purchasing money orders to pay bills, rent or make other payments, you can use a Money Network Check to make these payments with the funds in your Card Account. You can also write a Check and cash it surcharge-free at participating check cashing locations. Once you activate a Check, the funds are immediately deducted from your Card account. Visit the ATM Locator online at EIPCard.com to find a nearby participating Check cashing location4. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

How do I get Money Network Checks?

To request Checks, please call Customer Service at 1.800.240.8100.

How do I write a Money Network Check?

Each time you write a Money Network® Check you should check your balance by logging in online at EIPCard.com to ensure you can cover the Check amount. Write today's date and the dollar amount on the Check. Write a name in PAY TO THE ORDER OF. Call the number on the back of your Card to access your Account and select the Money Network Check option. Enter the CHECK NUMBER and the DIGIT, then enter the amount you wrote on the Check without the decimal point and press '#'. Write the ISSUER NUMBER and TRANSACTION NUMBER provided by the automated phone system. Your finished Check's amount will be deducted immediately from your Account.

Can I use my EIP Card to make recurring payments?

Yes, you can use your Card for recurring bill payments; however, you must ensure you have sufficient funds to cover the entire bill. If you have insufficient funds, then your payment may be declined or partially authorized. To complete the purchase, you need to either use another form of payment or attempt a transaction equal to or less than the available balance of the Card account.

How can I transfer the funds from my EIP Card to my bank account? (updated March 17, 2021)

There are multiple ways to transfer the funds¹ from your EIP Card to an existing bank account at no cost to you. You will need the Routing and Account number for your bank account to complete the transfer.

Transfer funds online at EIPCard.com

  1. Be sure you have activated your EIP Card before attempting to transfer funds.

  2. Register for online access by going to EIPCard.com and click on “Login” and “Register Now”. Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy.

  3. Select “Transfers in U.S.” under Money Out.

  4. Follow the steps to set up your destination bank account prior to completing your ACH transfer.

  5. Transfers should post to your bank account in 2-3 business days.

Transfer funds using the Money Network Mobile App

  1. Be sure you have activated your EIP Card before attempting to transfer funds.

  2. Download the Money Network Mobile App² and register for mobile access by clicking “New User?”. Follow the steps to create your User ID and Password. Be sure to have your EIP Card handy.

  3. Click the top left menu and click “Send Money to an External Bank Account” under Move Money Out.

  4. Follow the steps to set up your destination bank account prior to completing your ACH transfer.

  5. Transfers should post to your bank account in 2-3 business days.

Transfer funds by calling 1.800.240.8100

  1. Be sure you have activated your EIP Card before attempting to transfer funds.

  2. Call 1.800.240.8100 and follow the prompts to authenticate with the Interactive Voice Response Unit (IVRU).

  3. Once authenticated by the IVRU, follow the prompts to set up your destination bank account prior to completing your ACH transfer.

  4. Transfers should post to your bank account in 2-3 business days.

ACH Transfer to Domestic Bank Limits Apply: $6,000 per transaction | $6,000 per month. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

Is there a cost to use the EIP Card? (updated March 17, 2021)

While many services and types of transactions are free of charge, there are some services and transactions that may incur a fee¹.

No Cost Services and Transactions:
Purchases | Signature-debit (select “Credit” and/or sign) at Point-of-Sale | Domestic and International
$0.00
Purchases | PIN Point-of-Sale Transactions – with or without Cash Back (for purchases, declines and returns) | Domestic and International
$0.00
Domestic ATM Withdrawals | Using In-Network ATMs Nationwide that carry the AllPoint or MoneyPass brands
$0.00
ATM Balance Inquiry | In-Network and Out-of-Network | Domestic and International
$0.00
Bank/Teller Over-the-Counter Cash Withdrawal | Domestic
$0.00
Money Network® Checks
$0.00
Balance Inquiry (via Money Network Mobile App², online, or by phone)
$0.00
Balance Updates | Push Notifications, Text Messages, or Email
$0.00
Transfer Funds to a Personal Bank Account (ACH transfer)
$0.00
Negative Card Account Balance (no insufficient funds fees or overdraft fees)
$0.00
Customer Service
$0.00
ATM Declined Transaction
$0.00
Monthly Paper Statement by Mail
$0.00
International Transaction – Currency Conversion Fee
$0.00
International Transaction – Cross Border Fee
$0.00
Lost or Stolen Card Reissuance
$0.00
Fee-Based Services and Transactions:
ATM Withdrawals | Out-of-Network | Domestic
$2.00 We waive this fee for your first ATM Withdrawal.
ATM Withdrawals | International
$3.00
Bank/Teller Over-the-Counter Cash Withdrawal | International
$5.00 We waive this fee for your first Over-the-Counter Cash Withdrawal.

Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

What happens if I return goods or services purchased with my EIP Card? (updated March 17, 2021)

If you are entitled to a refund for goods or services obtained with your EIP Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may take a few business days to appear or be part of your available balance. Please see your Cardholder Agreement online at EIPCard.com for more information.

Can I add my EIP Card to a peer-to-peer (P2P) payment app to send funds to another person?

Yes, most P2P apps (like Venmo or Zelle) will accept your EIP Card as a source of funding. Check with the P2P provider for specific instructions.

Additional Card Information

Will the Treasury Department be able to see how I spend my Economic Impact Payment?

No. Under the Right to Financial Privacy Act, the federal government is not allowed to ask the card issuer about your Card account and the card issuer is not allowed to give the government information about your Card account without your written permission, except under very limited circumstances.

What is the difference between the EIP Card and a traditional debit card?

Unlike a bank debit card, your EIP Card is not linked to an individual checking account. Instead, your EIP Card enables you to access your EIP funds and then each purchase you make is deducted from those funds.

What is the difference between the EIP Card and a credit card?

When you use a credit card, you are borrowing money and building up a balance of debt. With your EIP Card, you are not borrowing and will not have to pay anything back. You are spending money given to you by the government that you can access with your Card. Unlike credit cards, there is no credit check to get the EIP Card, you won’t incur interest charges or accrue debt, and the card will not show up on your credit report.

Will using the EIP Card impact my credit score?

No. This is not a credit card and will not affect your credit score.

Can the government withdraw funds from my EIP Card? (updated January 4, 2021)

No. The funds loaded on to the EIP Card belong to you and you are the only one who can access or use the money.

Is the EIP Card linked to my bank account?

No. The EIP Card and the funds loaded onto it are separate from any bank account you may have.

Am I able to order an additional EIP Card for a family member?

No. Only one Card is provided. Additional Cards are not available for family members.

I received a notice to activate my EIP Card, but I do not have a Card, what should I do? (updated March 30, 2021)

If you haven’t received your EIP Card, or if you may have accidentally thrown it away, please call Customer Service at 1.800.240.8100 and choose the option for assistance with a replacement, reissue, lost, or stolen Card. Upon your request, a replacement Card will be provided at no cost to you. Please see your Cardholder Agreement online at EIPCard.com for more information.

How do I obtain a replacement EIP Card? (updated March 30, 2021)

If your Card is discarded or destroyed, it is important that you call Customer Service at 1.800.240.8100 immediately and choose the option for assistance with a replacement, reissue, lost, or stolen Card.

Your discarded or destroyed Card will be deactivated to prevent anyone from using it and, upon your request, a replacement Card will be provided at no cost to you. Please see your Cardholder Agreement online at EIPCard.com for more information.

What if my EIP Card is lost or stolen? (updated March 30, 2020)

If you have misplaced your Card, you can lock your Card by logging in online at EIPCard.com to prevent unauthorized transactions or ATM withdrawals while you look for it. If your Card is permanently lost, it is important that you call Customer Service at 1.800.240.8100 and choose the option for assistance with a replacement, reissue, lost, or stolen Card. Your lost or stolen Card will be deactivated to prevent anyone from using it and, upon your request, a replacement Card can be provided at no cost to you. Please see your Cardholder Agreement and Fee Schedule online at EIPCard.com for more information.

For Cards with more than one name, only the primary Cardholder (listed first on the Card) must make the call. In a few instances, the first name of one payee is linked to the last name of a second payee on the Card. For mismatched names, the payee with the first name on the first line may should make the call.

Why is there a “pending transaction” on my EIP Card?

Pending Transactions are transactions (such as point-of-sale (POS) purchases, ATM withdrawal, transfer of funds, etc.) that have been made with your Card but have not yet cleared your Account. Typically, merchants settle outstanding transactions at the end of the day, however, settlement policies vary by merchant. While a transaction is pending, the funds will not be available for your use.

What happens if I try to use my EIP Card for a purchase that is more than my available balance?

If there is not enough money in your Available Account Balance to cover a purchase, the transaction may be declined or partially authorized. To complete the purchase, you need to either use another form of payment or attempt a transaction equal to or less than the available balance of the Card account.

What should I do if my EIP Card is declined?

First, you should check your available account balance to see if you have sufficient money available and check the expiration date on your Card to see if it is still valid. If you have sufficient money and your Card is still valid, call the number on the back of your Card for assistance.

Where are the funds on my Card held? (updated March 17, 2021)

The U.S. Department of the Treasury will place your funds with MetaBank, N.A., who will act as custodian of your funds. Once you activate your Card in accordance with the instructions above under the section heading “Getting Started,” you are authorizing MetaBank, N.A., as custodian, to hold your funds until transferred or spent by you at MetaBank, N.A. or one or more participating FDIC-insured banks (each bank identified below is referred to as a Program Bank).

Program Banks as of March 17, 2021 are:

  • MetaBank, N.A. (Sioux Falls, South Dakota)
  • Discover Bank (Greenwood, Delaware)
  • First Republic Bank (San Francisco, California)
  • New York Community Bank (New York, New York)

See Cardholder Agreement for other options if you do not want your funds being held at MetaBank, N.A. or placed by MetaBank, N.A. as custodian at a specific Program Bank pending your use of the Card.

Manage Card Account

What if I forgot my User ID or Password?

Click on Login at EIPCard.com and then click the question mark next to User ID or Password and follow the steps to reset your User ID or your Password.

How do I protect my funds from fraud?

Be on the lookout for IRS impersonation calls, texts and email phishing attempts about the coronavirus or COVID-19 Economic Impact Payments. These scams can lead to tax-related fraud and identity theft. To learn more about what you should know about fraud, click here.

Can I use a PIN of my own choice?

Yes, you can use a four-digit number of your choice. Remember, your PIN keeps your Account and the money in it secure. You should never give your PIN to anyone for any reason, not even to someone you trust. Also for your Account security, do not use personal information as your PIN.

What should I do if I forget my PIN? (updated March 17, 2021)

Call Customer Service at 1.800.240.8100, select your language and select the prompt for Customer Service. Then, follow the menu prompts to create a new PIN. You will need your 16-digit EIP Card number in order to process a PIN change. Once updated, your new PIN will be active immediately.

Why is there a hold on my money?

Certain types of purchases (gas stations, hotels, car rentals, restaurants, etc.) require a pre-authorization that temporarily puts a hold on your Card balance that could be greater than the transaction amount. Once processed, the money will be released and your balance will be adjusted. Pre-authorized funds may take up to 7 days to be released back to your Card account balance (up to 31 days for car rentals).

What do I do if I believe an error has been made or do not recognize or did not authorize a transaction?

If you believe an error has been made or have questions about your Account, call the Customer Service number at 1.800.240.8100 to begin the dispute process. For Cards with more than one name, only the primary Cardholder (listed first on the Card) may start the dispute process. For additional information regarding unauthorized transactions, please see your Cardholder Agreement online at EIPCard.com for more information.

How does the Visa Zero Liability work?

Please see your Cardholder Agreement online at EIPCard.com for more information or click here to learn more. The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or click here to learn more.

¹Certain fees may be associated with the use of some transactions or services. Please see your Cardholder Agreement and Fee Schedule for more information.
²Standard message and data rates apply.
³Not all billers accept cards for payments. Please check the biller’s website.
4Non-participating check cashing locations may charge fees that are not monitored by us. Check cashing locations may also limit the dollar amount of checks they will cash.

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