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Direct Deposit/Debit Card FAQs

  1. How do I get a form for direct deposit of my unemployment benefits?
  2. How long will it take before my payments are directly deposited?
  3. When can I expect my weekly payment to be deposited to my account?
  4. What if I want to stop direct deposit or change my account information?
  5. How do I request to receive my benefits by debit card?
  6. Where can I find information regarding the debit card?
  7. Do I need a PIN to activate my debit card and access my account information?
  8. Where can I use the debit card?
  9. Are there any fees to use the debit card; if so, how can I avoid any fees?
  10. How do I get cash from an ATM?
  11. How do I get cash from a bank teller?
  12. Who can I call if I have questions about my debit card account?
  13. How do I dispute a transaction on my U.S. Bank ReliaCard®?
  14. What should I do if I changed my address and did not receive my debit card in the mail?
  15. What should I do if I changed my name, or if my name is misspelled on the card?
  16. What do I do if my card is lost or stolen?
  17. How long should I keep the debit card?
  18. If I file a new claim, will I receive a new debit card?
  19. If I used a debit card with my last UC claim, will my payments continue to go on my debit card?
  20. What should I do if I still have a balance on the gold Chase debit card?
  21. What should I do if I still have a balance on the blue Xerox EPPICard?
  22. Can the UC office view or track my debit card transactions?
  23. Will I go into debt by using the Visa® debit card?
  24. Can I use the debit card to build a credit history?
  25. What do I do if I get an unsolicited email, text message, or phone call requesting personal information?

1. How do I get a form for direct deposit of my unemployment benefits?

Additional information is available by accessing our Direct Deposit of UC Benefits page.

2. How long will it take before my payments are directly deposited?

It will take approximately two to three weeks until your payments are issued via direct deposit after you have submitted the direct deposit form. When you become financially eligible for benefits, you will be mailed a UC debit card at the address you provided in your initial application to access any benefits to which you may be entitled. If direct deposit does not begin after three weeks, call the Pennsylvania Treasury Department’s Bureau of Unemployment Compensation Disbursements at 877-869-1956 (toll free) to inquire.

3. When can I expect my weekly payment to be deposited to my account?

If you are eligible for benefits for the week(s) that you claimed, the funds will generally be transferred on the payment issued date. The payment will generally be available at your financial institution the following day. Payments will not be transmitted on state, federal or banking holidays, or weekends. You will not receive a notice from the department when payments are deposited into your account.

4. What if I want to stop direct deposit or change my account information?

To stop direct deposit or to change your account, complete an online request by going to Change Personal Information or by accessing our Direct Deposit of UC Benefits page to obtain another direct deposit authorization form.

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5. How do I request to receive my benefits by debit card?

Most individuals do not need to sign up to receive your payments via debit card. If you do not have direct deposit, a debit card will be mailed to you automatically after you have been determined financially eligible for benefits.

If your direct deposit is or should be stopped because your account information should be changed and you need a U.S. Bank ReliaCard® debit card, please contact the Pennsylvania Treasury Department’s Bureau of Unemployment Compensation Disbursements, toll-free at 1-877-869-1956.

6. Where can I find information regarding the debit card?

For basic information regarding the debit card, refer to https://www.uc.pa.gov/unemployment-benefits/benefits-information/Pages/Debit-Card.aspx.

If you received your U.S. Bank ReliaCard® debit card, you can access you debit card account balance, transaction history, etc. by logging into www.usbankreliacard.com.

For the gold Chase debit card, you can access your debit card account balance, transaction history, etc. by logging into www.ucard.chase.com and following the prompts.

7. Do I need a PIN to activate my debit card and access my account information?

Yes. The PIN for your debit card account is a number that you choose and is separate from the UC PIN, unless you choose the same PIN for your debit card.

8. Where can I use the debit card?

You can use the debit card to purchase merchandise, at no fee, at any location accepting the Visa® debit card, including purchases made online and by phone. The card can also be used to get cash back when making a purchase, where available.

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9. Are there any fees to use the U.S. Bank ReliaCard® debit card; if so, how can I avoid any fees?

There are several ways to use the debit card without incurring any fees. Cash withdrawals using the debit card are always free from teller windows inside any bank displaying the Visa® symbol. With the U.S. Bank ReliaCard® debit card, you have unlimited free withdrawals at any in-network ATM (U.S. Bank, MoneyPass and Allpoint ATMs).

The debit card can be used to purchase merchandise, at no fee, at any location accepting the Visa® debit card, including purchases made online and by phone. The card can also be used to get cash back when making a purchase, where available. Free balance, transaction history, and account information is available by logging into www.usbankreliacard.com. Free deposit notification by phone, text or email is also available.

Pre-acquisition disclosure of the fees of the debit card are available from the debit card company at the Pennsylvania Treasury Department.

10. How do I get cash from an ATM?

  • Insert the debit card and enter your PIN
  • Press the checking button on the ATM
  • Select "Cash Withdrawal"
  • Enter the amount of cash requested and press "Enter"
  • Remember to take your receipt

11. How do I get cash from a bank teller?

  • Hand your debit card to a teller in any bank displaying a Visa® symbol
  • Tell the teller how much cash you wish to receive from your card
  • You may be asked to sign a receipt
  • There is no charge for this cash withdrawal

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12. Who can I call if I have questions about my debit card account?

For the U.S. Bank ReliaCard® debit card, call the U.S. Bank ReliaCard toll-free customer service number at 888-233-5916.

For the gold Chase debit card, call the Chase toll-free customer service number at 866-586-1706 for your account information. If you need to speak to a customer service representative, follow these steps.

If you DO have your card number and PIN, choose the prompt that says, "To speak to a representative." This will transfer you to a Customer Service representative.

If you DO NOT have your card number and PIN, choose the prompt that says "to report your card lost, stolen, damaged or not received." The system will prompt you to enter your SSN. The SSN should not be entered. After the system requests your SSN three times, you will be transferred to a Chase Customer Service representative.

13. How do I dispute a transaction on my U.S. Bank ReliaCard®?

Contact the U.S. Bank ReliaCard® toll-free customer service number at 888-233-5916 to start the dispute process and have a new card issued.

14. What should I do if I changed my address and did not receive my debit card in the mail?

For the U.S. Bank ReliaCard® debit card, call the toll-free debit card customer service number at 888-233-5916 to provide your correct address and to request a replacement card.

In addition, you must notify UC by going to www.uc.pa.gov, pressing the Change Personal Info button to log in to your account with your PIN and changing your address so that correspondence can be delivered to you.

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15. What should I do if I changed my name, or if my name is misspelled on the card?

Call the UC service center at 888-313-7284 and provide your name change and/or the correct spelling of your name. Should you want a card that reflects your correct name, wait until the next business day, and then call debit card customer service to request a replacement card.

16. What do I do if my card is lost or stolen?

Call debit card customer service to report your card as lost or stolen, and request a replacement card (one free per year). If you have a U.S. Bank ReliaCard® debit card, call the U.S. Bank toll-free customer service number at 888-233-5916. If you have a gold Chase debit card, call the Chase toll-free customer service number at 866-586-1706.

17. How long should I keep the debit card?

You should retain your debit card after you stop claiming UC benefits, as it is valid for up to three years. You can use your debit card again should you file a UC claim before the expiration date on the front of the card.

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18. If I file a new claim, will I receive a new debit card?

A debit card will be mailed to you after you have been determined financially eligible for benefits, unless you have submitted a direct deposit form within the last two years and received a payment in the last calendar year.

If you already have a debit card from a previous claim, or reopen an existing claim, you will not receive a new debit card. You will continue to use the original debit card. If your card has expired, you will need to request a replacement card. To request a replacement card, call the toll-free debit card customer service number (one free card per year).

If you need a U.S. Bank debit card, call U.S. Bank at 888-233-5916.

If you have a gold Chase debit card with a balance remaining from a previous claim and no longer have this card, call the toll-free number at 866-586-1706, and follow these steps to request a new card from a customer service representative:

If you DO have your card number and PIN, choose the prompt that says, "To speak to a representative." This will transfer you to a Chase customer service representative.

If you DO NOT have your card number and PIN, choose the prompt that says "to report your card lost, stolen, damaged or not received." The system will prompt you to enter your SSN. The SSN should not be entered. After the system requests your SSN three times, you will be transferred to a Chase customer service representative.

19. If I used a debit card with my last UC claim, will my payments continue to go on my debit card?

Yes. Your payments will continue to go on your debit card unless you have signed up for direct deposit within the last two years.

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20. What should I do if I still have a balance on the gold Chase debit card?

As a reminder to PA UC claimants, your UC payments are no longer being issued to the gold, Chase debit card. If you still have benefits available on this card, you can access these benefits by withdrawing cash with no fee or surcharge at over 3,000 in-network ATMs, cash back with most purchases or POS transactions at businesses. The Chase fee schedule still applies. If your card has expired and you have benefits available on the card, contact Chase at 866-586-1706. Note * after 14 months of inactivity, cardholders will be charged $1.50 per month.

Beginning on October 1, 2015 UC debit card payments are now being issued to the U.S. Bank Reliacard. If you need a Reliacard, please contact the Pennsylvania Treasury Department’s Bureau of Unemployment Compensation Disbursements, toll-free at 1-877-869-1956.

21. What should I do if I still have a balance on the blue Xerox EPPICard?

Xerox continues to provide services to cardholders that have a balance remaining on their blue EPPICard. If you need assistance please call Xerox at 877-106-8257 or online www.eppicard.com

22. Can the UC office view or track my debit card transactions?

No. For privacy reasons, only you have access to that information.

23. Will I go into debt by using the Visa® debit card?

No. Your card is a prepaid Visa® debit card, not a credit card. You will only be able to spend the amount that is stored on the card. You will not be able to purchase anything with your card that you do not currently have the funds in your account to cover.

24. Can I use the debit card to build a credit history?

No. The card does not help establish credit history since no credit check is required to receive the card, and it is not tied to a bank account or a credit line.

25. What do I do if I get an unsolicited email, text message, or phone call requesting personal information?

If you receive such a request, do not respond; delete the email or phone text message, or hang up the phone. In addition, call the debit card customer service toll-free number to report the incident. The debit card company will never ask you for your full Social Security number, full debit card number, or your PIN through any of these methods. If a customer service supervisor returns a call to you, the supervisor will verify your name, date of birth and the last 4 digits of your Social Security number, and in some cases, the last 4 digits of your debit card number.

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The information provided on this site does not constitute a determination of eligibility to receive unemployment compensation.