FAQ: Bank of America prepaid debit card
You can choose to have your benefit payments issued to a convenient and secure prepaid Bank of America debit card. Here are answers to common questions about how the card works.
If you haven’t applied for Unemployment, Temporary Disability, or Family Leave Insurance benefits before, your debit card will be mailed within 10 days after we review your application. The card will arrive before you find out if your application was approved, so no funds will be available. Benefit payments are only issued to the debit card account if your claim is approved.
If you received a debit card for prior Unemployment, Temporary Disability, or Family Leave Insurance benefits within the past four years, your benefits will be issued to that same debit card account. If the previously issued debit card has expired or you no longer have it, call Bank of America toll-free at 866-213-4074 to request a new one.
If you previously received a debit card for a prior Unemployment, Temporary Disability, or Family Leave Insurance claim, your benefits will be issued to that same debit card account. If the previously issued debit card has expired or you no longer have it, call Bank of America toll-free at 866-213-4074 to request a new one.
Once a payment is posted, funds should be available on your debit card within two business days of the payment date.
Your debit card is sent via regular mail in a plain, unmarked envelope. It might even look like junk mail. Make sure you check all your mail carefully so you don’t discard it by mistake.
The envelope will contain the following information, in addition to the card itself:
- deposit agreement
- schedule of fees
- user guide
- ATM safety tips
Your name appears on the card because the debit card is issued to you and is linked to your Social Security number and date of birth with Bank of America.
You can access your money for purchases and withdrawals 24 hours a day. Keep in mind, benefits will be available on your card two business days after each payment date, at 9AM.
If your debit card is stolen, or becomes lost or damaged, immediately call Bank of America toll-free at 866-213-4074. There is one free replacement per calendar year. Additional replacement cards cost $5 per card.
You may transfer some or all of your funds to any checking or savings account by signing into your account at www.bankofamerica.com/cashpay and requesting an Online Funds Transfer.
For privacy reasons, the State of New Jersey is not permitted to look at specific card account numbers or transaction details. Only Bank of America customer service representatives may look at your account history with you.
Contact Bank of America customer service toll-free at 866-213-4074. You can also get account information via Bank of America's Online customer service at www.bankofamerica.com/cashpay.
Only the New Jersey Department of Labor and Workforce Development may deposit funds into your debit card account.
Your debit card has no daily withdrawal or purchase limit, so you have full access to your available funds at any time. However, ATM owners determine how much money their ATMs will dispense per transaction, so you may need to make more than one withdrawal.
This debit card account does not accrue any type of interest.
If there are insufficient funds in your account to cover a purchase, the transaction will be denied. There is no transaction fee if you are denied for insufficient funds. Please check your balance before attempting to make any purchase.
Bank of America centers can assist with over-the-counter transactions, but not with detailed account and balance information. For that, you must call Bank of America toll-free at 866-213-4074.
Since this is not a credit card, no credit check is required for you to receive the card. It’s also not tied to a bank account or credit line, so the debit card account won’t affect your credit rating.