Stimulus Debit Card: What you Need to Know

If you are like many of us, you’re probably wondering when you can expect to receive your second stimulus payment. In addition to when you’ll receive your payment, you probably want to know how you’ll receive it. For many of Americans, you’ll receive your second stimulus payment on a Stimulus Debit Card sent to you in the mail.

What is the Stimulus Debit Card?

The Stimulus Debit Card is a prepaid debit card used to issue stimulus payments. The Stimulus Debit Card, also referred to as the Economic Impact Payment (EIP) debit card is issued by MetaBank. It contains the money you are receiving from the Consolidated Appropriations Act of 2021 and previously, the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

To get more information about your second stimulus payment, including how to activate, use, and check your Stimulus Debit Card balance, continue reading below.

In this article, we will cover the following:

  • Who is Eligible for the Second Stimulus Payment
  • How to get a Stimulus Debit Card
  • Second Stimulus Payment Calculator
  • Stimulus Payment Schedule
  • How to use the Stimulus Debit Card
  • Stimulus Debit Card Balance Check
  • How to transfer Stimulus Debit Card to a Bank Account
  • EIP Stimulus Debit Card Fee Schedule
  • Stimulus Debit Card Website & Customer Service
  • Economic Impact Payment and Stimulus Debit Card FAQs

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

EIP Debit Card for Stimulus Payments

Stimulus Debit Card Information

(Economic Impact Payment Debit Card)

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

Who is eligible for the Second Stimulus Payment?

Any U.S. citizen or resident alien that made $75,000 or less in 2019 (before taxes) are eligible to receive a $600 stimulus payment.

For married couples, you must have made $150,000 or less in 2019 (before taxes) to qualify for a second stimulus payment.

For households with children or dependents, you will receive an additional $600 for each eligible child and/or dependent on your 2019 income tax return.

If your total income for 2019 exceeds the eligible limits stated above, you will receive a reduced Economic Impact Payment.

EIP Stimulus 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.

How to get a Stimulus Debit Card

If you are eligible to receive a second stimulus payment, you can expect to receive your Economic Impact Payment through direct deposit or in the mail.

The IRS will use the payment information provided on your 2019 income tax return to issue your second stimulus payment. If you receive your 2019 tax refund through direct deposit, your second stimulus payment will automatically be deposited to your bank account.

If you did not receive your second Economic Impact Payment through direct deposit, the IRS will send you a Stimulus Debit Card in the mail via USPS.

You cannot request to have your second stimulus payment sent via an EIP Stimulus Debit Card. The IRS decides who will receive a prepaid debit card for their second stimulus payment.

Second Stimulus Payment Calculator

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

Second Stimulus Payment Amount for Individuals

All eligible individuals that made less than $75,000 in 2019 will receive a $600 second economic impact stimulus payment.

All eligible individuals that made more than $75,000 in 2019, will receive a reduced Economic Impact Stimulus Payment. Your second stimulus payment will be reduced by 5% of the amount your income exceeds the $75,000 limit.

For example, if you are made $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%). Your second stimulus payment will be $150.

Eligible individuals that made more than $87,000 in 2019 will NOT receive a second Economic Impact Payment.

Second EIP Stimulus Payment Amount for Married Couples

All eligible individuals that are married filling jointly and made less than $150,000 in 2019 will receive a $1,200 second stimulus payment.

All eligible married couples that made more than $150,000 in 2019, will receive a reduced second Economic Impact Stimulus Payment. Your second stimulus payment will be reduced by 5% of the amount your total income exceeds the $150,000 limit.

For example, if you made $170,000 then you are $20,000 above the threshold. That means you will receive an second EIP payment that is reduced by $1,000 ($20,000 x 5%). Your total second stimulus payment will be $200.

Married couples that made more than $174,000 per year will NOT receive a second stimulus payment.



Economic Impact Payment Amount for Head of Household

All eligible individuals that are head of the household and made less than $112,500 in 2019 will receive a $600 second economic impact payment.

All eligible individuals that are head of the household and made more than $112,500 per year, will receive a reduced stimulus payment. Your second stimulus payment will be reduced by 5% of the amount your total income exceeds the $112,500 limit.

For example, if you are made $120,000 then you are $7,500 above the threshold. That means you will receive a second stimulus payment that is reduced by $375 ($7,500 x 5%). Your total second stimulus payment will be $225.

Second Stimulus Payment Amount for Children

If you claim a child as a dependent on your tax return, then you are eligible to receive a $600 Economic Impact Payment for each eligible child. For more information on qualifying child requirements, check out the information here.

Second Stimulus Payment Schedule

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

If you did not file your taxes for 2019, then the IRS requires more information before they can submit your second stimulus 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 Stimulus Prepaid Debit Card?

To activate your Stimulus Debit 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 Stimulus Payment Card, you can begin using it. For information on how to use your EIP Stimulus Debit Card, continue reading below.

How do I use my Stimulus Debit Card?

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

Your Stimulus 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 Stimulus Debit Card Balance

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

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

Instructions to Check your Stimulus Debit Card Balance Online

To check the balance of your EIP Stimulus Debit Card online:

  1. Visit the Stimulus 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 Stimulus Account User ID and Password
  4. Click the “Login” button
  5. View your Account Homepage to get your current Stimulus Card Balance

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

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

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

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

Create an Stimulus Debit Card Online Account

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

  1. Visit the EIP Stimulus 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 Stimulus Card 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 Stimulus Debit 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 Stimulus Payment to your Bank account, follow these instructions:

  • Register your Stimulus Debit 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.

Stimulus Debit Card Fee Schedule

The transaction fees associated with the IRS Economic Impact Payment Prepaid Stimulus 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 Stimulus 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 Stimulus Debit Card Fees

Like any debit card, your EIP Stimulus 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 Stimulus Debit 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 Stimulus 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 Stimulus Card issuer, MetaBank.

MetaBank’s EIP Stimulus Debit 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 Debit Card Customer Service

If you need help with your EIP Debit 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 Second Economic Impact Payment

If you are considered a “non-filer” and have not received your second stimulus payment, we can help.

Here’s what you need to do:

If you used the IRS online tool to receive your first stimulus payment, there is no action necessary. The IRS will issue your second stimulus payment based on the information provided in your 2019 tax return or the Non-Filer Payment Tool from the first Economic Impact Payment.

If you still do not receive a second stimulus payment and you are eligible to receive one, it may be claimed on your 2020 tax return as the Recovery Rebate Credit.

Can I still use the Non-Filers Tool to get my second stimulus payment?

No, the IRS Non-Filers Online Tool from the first Economic Impact Payment is no longer available to be used online. Instead, you may claim a Recovery Rebate Credit on line 30 of your 2020 tax return.

What is the Recovery Rebate Credit?

The Recovery Rebate Credit is for any eligible individual who did not receive the full amount of their second stimulus payment. These individuals can claim the Recovery Rebate Credit on their 2020 taxes (Form 1040 or Form 1040-SR).

This credit will increase the amount of your tax refund or lower the amount of the taxes you owe for 2020.

The Recovery Rebate Credit has authorized by the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Any



Stimulus Debit Card FAQs

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

Why did I get a Stimulus Debit Card?

You received an EIP Stimulus Debit Card in the mail because you are eligible for a second Economic Impact Payment and the IRS did not have your bank information. The second stimulus payment you are receiving from the government due to the Consolidated Appropriations Act of 2021.

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

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 Stimulus Debit Card will have the VISA logo on the front and the MetaBank logo on the back.

Where is my Stimulus Debit Card?

If you have not yet received your Economic Impact Payment on your Stimulus 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 Stimulus 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 second stimulus 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 Stimulus Debit Card was lost, stolen, or damaged?

If you have not receive your Economic Impact Payment and your Stimulus Debit 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 Stimulus Debit Card Number in order to request a replacement EIP Stimulus payment.

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

Will there be a third Economic Impact Payment?

It has not been confirmed whether or not there will be a third round of stimulus payments. A third round of funding is in discussions among the Biden administration. However, we cannot confirm or deny a third Economic Stimulus Payment or Coronavirus Economic Relief Package at this time.

We will update this post as more details regarding a third stimulus payment once that information becomes available.

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