Stimulus Debit Card FAQs

(Last updated on 4/6/21)

We know readers have various questions regarding the Stimulus Debit Card – Economic Impact Payment Card (EIP Card). We decided to set up this Stimulus Debit Card FAQs page to address the most common questions we get.

The Stimulus Debit Card or EIP Card is used by the United States Department of Treasury to send stimulus payments to eligible individuals and families.

If you are eligible for the first stimulus check for $1,200, second stimulus check of $600 or third check for $1,400, your payment may have been sent via an EIP card.

The FAQs below will give you answers to what you need to know about the Stimulus Debit Card and how to check if one was sent to you.

More questions will be added as and when we receive reader feedback.

Here are the most frequently asked Stimulus Debit Card questions:

What does the Stimulus Debit Card look like?

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

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.

Additionally, the envelope also states that it contains “Important information about your Economic Impact Payment.”

The card itself will say “Visa” on the front and “MetaBank” (the issuing bank) on the back.

For what the card looks like, see the image below:

What does the Stimulus Debit Card Envelope look like?

The United States Department of the Treasury mailed the Stimulus Debit Card to approximately 8 million Americans.

If you are one of the recipients of the debit card, it is important that you do not think it is some sort of scam or junk mail and throw it away.

That envelope might contain a debit card with the stimulus check payment you’ve been waiting for.

Here’s what the Stimulus Debit Card envelope looks like.

Why did I get a Stimulus Debit Card?

You received a Stimulus Debit Card from the Department of the Treasury because you are eligible for an economic impact payment, otherwise known as a stimulus payment.

However, you received a debit card because you do not have a bank account on file with the IRS.

Therefore, instead of mailing a paper check (which takes longer to process), the Department of the Treasure is sending prepaid debit cards loaded with stimulus payments.

How do I Activate Stimulus Debit Card?

To activate your Stimulus Debit Card, follow the instructions below:

Step 1 – Call EIP Card Number

The first step in activating your Stimulus Debit Card is to call the EIP Card Phone Number at 1.800.240.8100.

When you call the number, you will get a greeting from an auto attendant from the Money Network.

The attendant will inform you that you received an EIP Card because you were eligible for an Economic Impact Payment (EIP) or stimulus payment.

You will also be informed that your EIP Card or Stimulus debit card is not reloadable.

Therefore, if you are eligible for the second round or third round of stimulus payments, you will be issued a new EIP card. IRS.GOV/EIP Payment – EIP

Next, press “1” for English.

Step 2 – Enter your Stimulus Debit Card Number

You will then be presented with menu options to choose from.

Press “1 to activate your card.

Next, you will be asked to enter the following information to activate your Stimulus Debit Card:

Stimulus Debit Card Number

Last 6-digits of your social security number
3-digit security code from the back of your Card

If you provide the correct information requested above, you should be able to complete the card activation process.

However, it is possible that you may be asked to provide additional personally identifying information, including your name and address.

Alternatively, you may be asked to answer identity verification questions in order to complete the activation process.

Step 3 – Card is Ready for Use

Next, you will be asked to create a 4-digit PIN required for ATM transactions and automated assistance and to hear your balance.

For your Account security, do not use personal information as your PIN.

Also, for debit cards with more than one name, only the primary Cardholder (listed first on the Card) may activate the Card.

Step 4 – Card is Ready for Use

Congratulations!! You have successfully activated your Stimulus Debit Card. Your card is now ready to be used.

How do I check my Stimulus Debit Card Balance?

There are two options available to you for checking your Stimulus Debit Card balance:

Option 1: Online

The first option is through the Stimulus Debit Card website.

You can get your Stimulus Debit Card balance online by logging into your account.

To visit the Stimulus Debit Card website, click here.

Once there, click on the “LOGIN” link enter your User ID and Password.

If you do not have an online account, you will have to register as a new user

When you log in to check your balance, you can also view past transactions.

Option 2: Call Customer Service

Next, you can also check the balance on your card by calling customer service at 1.800.240.8100.

In order to check your card balance by phone, you will have to enter your card number.

If after checking your Stimulus Debit Card balance, you notice any suspicious or transaction you did not make, here’s what to do:

Call Stimulus Debit Card customer service right away at the number below:

For Customer Service, you can call
1.800.240.8100

Hearing Impaired: 1.800.241.9100

How do I Replace a Lost or Stolen Card Stimulus Debit Card?

If you have misplaced your Stimulus Debit Card, you can lock it by logging in online at EIPCard.com to prevent unauthorized transactions or ATM withdrawals while you look for it.

However, if your Card is permanently lost, here’s what you need to do:

First, call Customer Service at 1.800.240.8100 (TTY: 1.800.241.9100) to report your lost or stolen Card immediately.

Your Card will be deactivated to prevent anyone from using it.

Next, a new replacement Card will be ordered.

Your replacement card will be shipped via U.S. mail 7-10 business days after the order is placed.

The replacement card cannot be expedited.

If you need the status of your replacement Stimulus debit card, call customer service at 1.800.240.8100 for an update.

How do I log in to my EIP Card account?

To login to the Stimulus debit card online portal, follow the instructions below.

Step 1 – Visit Stimulus debit card Website

The first step to logging into your Stimulus debit card online account is to visit the EIP card website. Click here to be taken there.

Once on the site, click the “LOGIN” link as shown below.

Step 2 – Enter your Login Information

Once there, enter your User ID in the space provided, and hit the “Log in” button as shown in the image below.

If you entered the correct information, you will be taken to your EIP account page.

There, you can view your account balance, review recent transactions, and request a replacement card among other tasks.

How do I Reset my Stimulus Debit Card Online Password?

However, If you do not remember your password, click on the question mark next to the Password space as shown below.

You will be taken to a page like the one below where you will have to enter your EIP Card 16 or 19-digit Card Number and expiration date to reset your password.

Once you have entered the requested information, click “Continue” for instructions on how to reset your account password.

How do I Retrieve my Stimulus Debit Card Online User ID?

Furthermore, if you do not remember your User ID, click on the question mark next to the User ID space as shown below.

You will be taken to a page like the one below where you will have to enter your EIP Card 16 or 19-digit Card Number and your password.

Once you have entered the requested information, click “Continue” for instructions on how to retrieve your User ID.

How can I transfer money from my EIP card to my bank account?

There are three ways you can transfer the money on your Stimulus debit card into your bank account.

However, in order to begin, you have to first activate your debit card.

Once your card is activated, you can transfer the funds from your Stimulus Debit Card into your bank account by phone, online, or using the mobile up.

See our detailed, step-by-step post on How to Transfer Money from Stimulus Debit Card to Personal Bank Account for help.

What fees come with the Stimulus Debit Card?

Here’s the list of fees that come with the EIP Card or the Stimulus Debit Card.

All Fees	Amount	Details
Monthly Usage
Card Account Opening, Check and Card Receipt	$0.00	No fee for Card account Opening, Checks and initial Card.
Monthly Maintenance Fee	$0.00	No monthly maintenance fee
Spend Money
Signature Debit Transactions	$0.00	Select “Credit” or sign at point-of-sale (POS).
PIN Debit Transactions	$0.00	Select “Debit” and enter PIN at POS; cash-back option at participating merchants.
Money Network® Check	$0.00	To request Checks, call Customer Service. Participating check-cashing locations do not charge fees to cash Money Network Checks. To find these locations, use the locator on the Money Network Mobile App (data rates may apply) or at EIPCard.com, or call Customer Service. Non-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.
Get Cash or Send Cash
ATM Withdrawal Fee \| In-Network	$0.00	Withdrawal from ATM that is a part of our network. To find in-network ATMs, use the locator on the Money Network Mobile App (data rates may apply) or at EIPCard.com, or call Customer Service.
ATM Withdrawal Fee \| Out-of-Network	$2.00	This is our fee. We waive this fee for your first ATM Withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
ATM Decline Fee \| In-Network or Out-of-Network	$0.00	No Fee
Bank Teller Over-the-Counter Cash Withdrawal	$5.00	This is our fee. You may withdraw funds at banks displaying the card association logo on the front of your Card. You may also be charged a fee by the bank. We will not charge this fee for your first withdrawal on your Card.
Transfer to Customer Bank Fee	$0.00	No Fee
Information
Monthly Paper Statement	$0.00	Obtain Card Account activity without fee via the Money Network Mobile App (data rates may apply) or at EIPCard.com, or call Customer Service.
Customer Service	$0.00	24/7 toll-free Card Account access, including account balance inquiries.
ATM Balance Inquiry Fee \| In Network or Out-of-Network	$0.25	This is our fee. To find in-network ATMs, use the locator on the Money Network Mobile App (data rates may apply) or at EIPCard.com, or call Customer Service. You may also be charged a fee by an Out-of-Network ATM operator, even if you do not complete a transaction.
Using Your Card Outside the U.S. (International Transactions)
ATM Withdrawal INT Fee (Non-U.S.)	$3.00	This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
ATM Decline INT Fee (Non-U.S.)	$0.00	We do not charge a fee. You may be charged a fee by the ATM operator, even if you do not complete a transaction.
ATM Balance Inquiry INT Fee (Non-U.S.)	$0.25	This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Bank Teller Over-the-Counter Cash Withdrawal INT Fee	$5.00	This is our fee. You may withdraw funds at banks displaying the card association logo on the front of your Card. You may also be charged a fee by the bank. We will not charge this fee for your first withdrawal on your Card.
Other
Inactivity Fee	$0.00	No fee for inactivity on your card.
Reissuance of Lost/Stolen Card	$0.00	Reissued Card shipped via U.S. mail 7-10 business days after order placed.

What is the Stimulus Debit Card Phone Number?

If you experience any issues with your Stimulus Debit Card, you can call the customer service center at the number below:

1.800.240.8100

Hearing Impaired: 1.800.241.9100

Alternatively, you can also contact customer service by mail at the address below:

Money Network Cardholder Services
2900 Westside Parkway
Alpharetta, GA 30004