EIP Debit Card: What you Need to Know

The Economic Impact Payment (EIP) Debit Card is a prepaid debit card for stimulus payments. The EIP Stimulus Debit Card is issued by MetaBank and contains the money you are receiving from the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

To get more information about the Economic Impact Payment Card including how to activate your EIP Debit Card, use your Stimulus Debit Card, and check your Economic Impact Payment Card balance, continue reading below.

In this article, we will cover the following:

  • How to get an EIP Debit Card
  • Economic Impact Payment Calculator
  • Economic Impact Payment Schedule
  • How to use the Stimulus Debit Card
  • EIP Debit Card Balance Check
  • How to transfer Stimulus Debit Card to a Bank Account
  • EIP Card Fee Schedule
  • Stimulus Debit Card Website & Customer Service
  • Economic Impact Payment Card FAQs

To learn more about the IRS Stimulus Debit Card and get answers to all your questions related to the EIP Stimulus Card, continue reading this article.

EIP Debit Card for Stimulus Payments

Economic Impact Payment Prepaid Debit Card (EIP Debit Card)

Here is everything you need to know about the IRS Stimulus Debit Card, also known as the EIP Prepaid Debit Card.

How to get an EIP Debit Card

You will receive an Economic Impact Payment Debit Card in the mail if you have not received your stimulus payment via direct deposit from the IRS.

You cannot request to have your stimulus payment sent via an Economic Impact Payment Debit Card. The IRS decides who will receive one for their stimulus payment.

Economic Impact Payment Calculator

If you would like to know how much you can expect your Economic Impact Payment to be, here is a quick and easy way to find out.

Economic Impact Payment Amount for Individuals

All eligible individuals that make less than $75,000 per year will receive a $1,200 economic impact payment.

All eligible individuals that make more than $75,000 per year, but less than $99,000 per year will receive a reduced Economic Impact Payment. Individuals making above $75,000 per year will receive a 5% reduction in their Economic Impact Payment for the amount they are over the $75,000 threshold.

For example, if you are making $84,000 then you are $9,000 above the threshold. That means you will receive an Economic Impact Payment that is reduced by $450 ($9,000 x 5%). You will receive an EIP of $750 total.

Eligible individuals making more than $99,000 per year will NOT receive an Economic Impact Payment.

Economic Impact Payment Amount for Married Individuals

All eligible individuals married filling joint that make less than $150,000 per year will receive a $2,400 economic impact payment.

All eligible individuals married filing joint that make more than $150,000 per year, but less than $198,000 per year will receive a reduced Economic Impact Payment. Individuals married filing joint making above $150,000 per year will receive a 5% reduction in their Economic Impact Payment for the amount they are over the $150,000 threshold.

For example, if you are making $170,000 then you are $20,000 above the threshold. That means you will receive an Economic Impact Payment that is reduced by $1,000 ($20,000 x 5%). You will receive an EIP of $1,400 total.

Eligible individuals married filing joint making more than $198,000 per year will NOT receive an Economic Impact Payment.



Economic Impact Payment Amount for Head of Household

All eligible individuals that are head of the household and make that make less than $112,500 per year will receive a $1,200 economic impact payment.

All eligible individuals that are head of the household and make more than $112,500 per year, but less than $136,500 per year will receive a reduced Economic Impact Payment. Individuals that are head of household making above $112,500 per year will receive a 5% reduction in their Economic Impact Payment for the amount they are over the $112,500 threshold.

For example, if you are making $125,000 then you are $12,500 above the threshold. That means you will receive an Economic Impact Payment that is reduced by $625 ($12,500 x 5%). You will receive an EIP of $575 total.

Economic Impact Payment Amount for Children

If you claim a child as a dependent on your tax return, then you are eligible to receive a $500 Economic Impact Payment for each eligible child. For more information on qualifying child requirements, check out the information here.

Economic Impact Payment Schedule

The schedule for your Economic Impact Payment is determined by the IRS. If you have not yet received your EIP Stimulus payment, the IRS may be waiting on some information from you.

If you did not or do not plan to file taxes for 2019, then the IRS requires more information before they can submit your Economic Impact Payment. For more information, please skip down to our section on “Non-Filers.”

How to use the Stimulus Debit Card

Once you receive your Stimulus Debit Card in the mail, your Economic Impact Payment will already be loaded onto the card. The first thing you need to do is activate your EIP Prepaid Card.

How do I activate my EIP Prepaid Card?

To activate your Economic Impact Payment Prepaid Card, call 1-800-240-8100 (TTY: 1-800-241-9100). You will be asked to enter your EIP Card Number, the 3-digit security code on the back of the card, and the last 6-digits of your SSN.

After that, you will be required to verify your identity by providing your name, address and answer to the security question. Once verified, you can proceed by creating your 4-digit PIN for debit and ATM use.

Once you have successfully activated your Economic Impact Payment Prepaid Debit Card, you can begin using it. For information on how to use your EIP Prepaid Card, continue reading below.

How do I use my EIP Debit Card?

Your Economic Impact Payment Debit Card can be used to make purchases anywhere VISA Debit Cards are accepted. This includes in-store, online or over the phone.

Your EIP Debit Card can also be used to get free cashback with your PIN, pay bills online, and get cash from “in-network” ATM locations nationwide. There is no fee for when you make a cash withdrawal at any AllPoint ATM location. To find an EIP ATM near you, click here.

How to Check your EIP Debit Card Balance

There are two ways to check the balance on your Economic Impact Payment Prepaid Debit Card – online and by phone.

To check your EIP Debit Card Balance Online, please visit MetaBank’s MoneyNetwork EIP Card Login Page and follow the instructions below.

EIP Debit Card Online Balance Check Instructions

To check the balance of your EIP Card online:

  1. Visit the EIP Card Login Page at card.moneynetwork.com/govt/
  2. Click the Login/Register button located at the top-right of the page
  3. Enter your EIP Online Account User ID and Password
  4. Click the “Login” button
  5. View your Account Homepage to get your current EIP Card Balance

For more help checking your EIP Card Balance, including how to check your card balance by phone, check out our EIP Balance Check article.

Forgot your EIP Card Account User ID or Password? Get help recovering that information here.

If this is your first time using the MoneyNetwork EIP Card Website, you will first need to create an account before you can login to check your EIP balance.

For help creating your EIP Card online account, follow the steps below.

Create an EIP Debit Card Online Account

To create an EIP Stimulus Card online account, complete the following:

  1. Visit the EIP Card Login Page at card.moneynetwork.com/govt/
  2. Click the red “Register Now” link.
  3. Enter your Economic Impact Payment Debit Card Number (16-19 digits) and Card Expiration Date.
  4. Complete the verification steps by providing your personal information.
  5. When complete, click the “Submit” button to create your EIP online account.



How to transfer Stimulus Debit Card to a Bank Account

If you would like to transfer your Economic Impact Payment to your bank account, that’s easy to do. Here’s how:

Online Transfer

Use the EIP Card website or the Money Network Mobile App to transfer your funds from your Card to your Bank Account. You will need your bank information including Routing and Account Number in order to complete the transfer.

To transfer your Economic Impact Payment to your Bank account, follow these instructions:

  • Register your EIP Card by calling 1-800-240-8100.
  • Create an EIP online account or download the Money Network Mobile App2 on your smartphone.
  • Follow the steps to create your User ID and Password.
  • Once in your account, select the “Move Money Out” option.
  • Follow the steps to set-up your ACH transfer. Transfers should post to your bank account within 1-2 business days.

ACH Transfer Limits: $2,500 per transaction, $2,500 per day, $5,000 per month.

EIP Card Fee Schedule

The transaction fees associated with the IRS Economic Impact Payment Prepaid Debit Card by MetaBank are as follows:

  • $0.25 fee per ATM balance inquiry
  • $2.00 fee for “Out-of-Network” ATM Cash Withdrawals after your one (1) FREE
  • $5.00 fee for bank teller cash withdrawals after your one (1) FREE
  • $7.50 fee for replacement EIP Card after your one (1) FREE (7-10 business day mail time)
  • $17.00 fee for expedited 4-7 business day shipping for replacement EIP Cards

International EIP Debit Card Transaction Fees

  • $0.25 fee per international ATM balance inquiry
  • $3.00 per transaction fee for international ATM Cash Withdrawals
  • $5.00 per transaction fee for international bank teller cash withdrawals after your first free

How to Avoid EIP Debit Card Fees

Like any debit card, your EIP Card does come with fees. However, there are no card opening or monthly maintenance fees with the EIP Debit Card.

There are also many ways to use your EIP Card without incurring any fees. Here’s how:

  • Make ATM Cash Withdrawals at “in-network” Money Network AllPoint ATM locations.
  • Use PIN Debit Transactions at point-of-sale terminals where VISA Cards are accepted.
  • Get Free Cash Back by using Debit at VISA Debit Card participating retailers.
  • Transfer funds from your EIP Debit Card to a bank account for free.

There are NO fees for credit or debit transactions at VISA retailers, requesting checks, in-network ATM withdrawals, monthly paper statements, calls to customer service, or account inactivity.

Stimulus Debit Card Website

The website for the Stimulus Debit Card can be found at www.eipcard.com. The Economic Impact Payment website is hosted by the EIP Card issuer, MetaBank.

MetaBank’s EIP Card website can be used to get more information on your Stimulus Debit Card, get answers to your frequently asked questions, and check your EIP Debit Card balance.



EIP Stimulus Card Customer Service

If you need help with your EIP Stimulus Card including requesting a replacement lost, stolen, or damaged EIP Card, you can contact customer service by phone at 1-800-240-8100 (TTY: 1-800-241-9100).

IRS Non-Filers Economic Impact Payment

If you are considered a “non-filer” and have not received your Economic Impact Payment, the IRS needs information from you to submit payment.

If you do not plan to file a 2019 Tax Return because:

  • Your income is less than $12,200
  • You are married filing jointly and income is less than $24,400
  • There is no income to report

Then, you need to submit your payment information to the IRS in order to receive your Economic Impact Payment. For help submitting your payment information, follow the instructions below.

How to submit your Payment Information for Non-Filers

To receive your EIP Stimulus payment, you may need to submit your payment information to the IRS. You must submit your information online at irs.gov before the deadline on October 15, 2020.

Economic Impact Payment Eligibility

To be eligible, you must have a valid Social Security Number to receive an Economic Impact Payment. You also cannot be claimed as a dependent by another taxpayment to receive a stimulus payment.

Non-Filers: Stimulus Payment Instructions

If you think you are eligible for an Economic Impact Payment, here’s how non-filers can submit their payment information online.

  1. Visit the IRS Payment Information Submission Website.
  2. Click the blue “Get Started” button.
  3. Create an Account by providing your Email and Phone Number.
  4. Create a User ID and Password with at least 8 characters, one uppercase and lowercase letter, one number, and one symbol.
  5. Click the blue “Create Account” button.
  6. Once logged in, provide you filing status (single or married filing jointly) and personal information including Social Security Number.
  7. Check the box if you want someone to claim you or your spose as a dependent.
  8. Complete the bank information or opt to receive your Economic Impact Payment by check.
  9. Provide the verification information such as Driver’s License Number.
  10. Click the “Complete” button.

Once you have completed the steps above, you will receive an email from Free File Fillable Forms stating that you successfully submitted your EIP information. If there was a problem with anything you submitted, they will let you know in the email.

Once your Economic Impact Payment information has been reviewed, the IRS will send you a payment.



Economic Impact Payment Card FAQs

Still have questions regarding your Economic Impact Payment Prepaid Debit Card? Check out the answers to some of our most frequently asked questions related to the EIP Card below.

Why did I get a Stimulus Debit Card?

You received an EIP Stimulus Debit Card in the mail because you are eligible for an Economic Impact Payment and the IRS did not have your bank information. The Economic Impact Payment is stimulus money you are receiving from the government due to the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

Your stimulus payment was deposited directly onto your EIP Card. Your payment can be redeemed or transferred to your bank account once you have activated the EIP Card.

What does the EIP Stimulus Prepaid Card look like?

The EIP Stimulus Prepaid Card will arrive in a plain white envelope from Money Network Cardholder Services. The EIP Prepaid Card will have the VISA logo on the front and the MetaBank logo on the back.

Where is my EIP Debit Card?

If you have not yet received your Economic Impact Payment Debit Card, you can check on the status of your payment online. You can use the IRS website to get your payment status and see your payment type.

To check on the status of your EIP Debit Card, visit the “Get My Payment” Page on the IRS website. After that, you’ll be asked to provide the following information:

  • Social Security Number (SSN) or Individual Tax ID Number (ITIN)
  • Date of Birth (MM/DD/YYYY)
  • Street Address
  • Zip or Postal Code

When complete, click the blue “Continue” button. After that, you will be taken to a new page that shows the status of your Economic Impact Payment.

For more information or questions using the IRS “Get My Payment” Tool, visit their list of frequently asked questions.

What do I do if my EIP Card was lost, stolen, or damaged?

If your Economic Impact Payment Card has been lost, stolen, or damaged please call the customer service phone number at 1-800-240-8100.

After you call the customer service phone number, press option #2 from the main menu. After that, enter the last 6-digits of the Social Security number on your tax return.

You do not need your EIP Card Number in order to request a replacement Economic Impact Payment Card.

Once a replacement EIP Card has been ordered, you will receive your new EIP Card in the mail within 7-10 business days.

Will there be a second Economic Impact Payment?

It has not been confirmed whether or not there will be a second Economic Stimulus Payment. The next Coronavirus Economic Relief Package, also known as the HEROES Act is still being negotiated in Congress. There is discussion around a second Economic Impact Payment, but we don’t have any definite details on what that might include at this time.

We will update this post as more details regarding a second EIP payment become available.

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