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Overview
The TWC unemployment benefits debit card, issued by Chase Bank, is a convenient way to receive your unemployment benefit payments.
Chase Bank mails your debit card with an informational welcome packet. Read the welcome packet carefully to learn about fees, how and where to use your debit card and how to manage your debit-card account. For a copy of Chase's welcome packet, log on to the Chase Bank web site, UCARD Center.
Before you can use your debit card, you must call Chase Bank customer service at 866-865-1273 to:
- Activate your debit card.
- Set up a four-digit Personal Identification Number (PIN). Select option 4.
Be sure to sign your card.
When You Receive the Card
You receive your debit card and welcome packet in the mail within 10 days after we send your first payment to Chase Bank.
You receive a debit card when you qualify for unemployment benefits and we notify Chase Bank to send you a debit card because you either:
- Selected payment by debit card.
- Selected payment by direct deposit but there was a problem with your account information.
See Changing Your Payment Option for information on changing how we pay your benefits.
Activation & Expiration of Debit Card
You must activate your card within 12 months of your first benefit payment, otherwise your payments will return to TWC. We cannot reissue these benefits.
Your debit card is valid for two years, even if you stop receiving unemployment benefits. The expiration date is on the front of your card. Keep your debit card in case you need to apply for benefits again before it expires. However, do not keep a balance on your card for more than 12 months without using it, because you will then be charged a monthly fee.
- If you apply for benefits after the card has expired, call Chase Bank customer service at 866-865-1273 to request a new card.
- If you are receiving benefits when your card expires, Chase Bank will automatically mail you a new card.
- If you are no longer receiving benefits when your card expires, Chase Bank will not mail you a new card. If possible, use all the funds before the card expires. If you need to request a new card, call Chase Bank customer service at 866-865-1273.
Protect Your Debit Card Information
Do not respond to any calls or texts that ask for TWC debit card information such as your card number or other personal information, because Chase Bank and TWC will not call or text you about issues with your card, including a lost or stolen card.
Be aware of schemes that target debit card users to try to steal personal or account information. For more about such schemes, sometimes called phishing, visit:
Do Not Return Your Debit Card to TWC or Chase Bank
TWC cannot use your debit-card account for any reason. Do not give your card to Workforce Solutions or TWC staff or return your card to Chase Bank for any reason. If you want to use the funds on your debit card to repay an overpayment, you must withdraw cash from your debit-card account and send a check or money order to TWC.
Your Debit-Card PIN
Your debit-card Personal Identification Number (PIN) is a four-digit number that you enter on the keypad at ATMs and retail locations. When you activate your debit card, you must set up a PIN to use with your debit card.
You need your debit-card PIN to withdraw cash at an ATM or get debit card information on the Chase Bank web site, UCARD Center.
This is a completely different PIN than the one you set up when you applied for unemployment benefits to use with TWC’s Tele-Serv and Unemployment Benefits Services. If desired, you can use the same PIN for your debit card if that makes it easier to remember.
Forgotten PIN
If you forget your debit-card PIN, call Chase Bank customer service at 866-865-1273 to select a new one.
You have only three chances to enter your PIN correctly before you are locked out of the system. If you do not enter the correct PIN in three attempts, you must either wait until after midnight to try again or call Chase Bank customer service at 866-865-1273 for immediate assistance.
Where & How to Use Your TWC Debit Card
Visa-Member Banks
You can withdraw cash at any Visa®-member bank.
- You must show the bank teller a government-approved photo identification to get cash.
- The bank teller should not send you to an ATM.
- Go to www.chase.com to find your nearest Chase Bank.
Automated Teller Machines (ATM)
You can withdraw cash from any ATM.
Select the checking option, which is how you withdraw from your debit-card account.
Cash withdrawals from Chase ATMs are always free. Fees may apply to the other ATMs, so review the list of fees below. To find a Chase ATM, visit www.chase.com.
If your debit card number begins with 430326, you can withdraw cash for free from ATMs displaying the Allpoint logo. To find an Allpoint ATM, visit www.allpointnetwork.com.
If your debit card number begins with 483324, you can withdraw cash for free from ATMs displaying the MoneyPass logo. To find a Moneypass ATM, visit www.moneypass.com.
Purchases & Cash Back
You can use your debit card to:
- Make retail purchases anywhere Visa debit cards are accepted. Look for the Visa logo.
- Get cash back when you use your debit card for retail purchases, where available. The amount of cash back may vary by store. Be sure to ask about cash-back limits before beginning your transaction.
You cannot use your debit card to:
- Pay for gasoline at the pump. To protect you from overdrafts, you must go inside the service station and prepay at the counter.
Online Bill Pay
You can use your card to pay any company, utility or person in the U.S. that accepts Visa, with no Chase Bank transaction fees.
Go to the Chase Bank UCARD Center to:
- Pay bills to Visa-member merchants, such as utilities, cell phone, rent or department stores
- Schedule payments up to one year in advance
- Track past, future and open payments
Transferring Balances to Your Bank Account
You cannot electronically transfer funds directly from your TWC debit card to your personal bank account. However, you can use your free teller withdrawals to withdraw funds and then deposit the cash in your personal account. If you request your withdrawal as a check or money order, ask whether the check or money order is free.
If you want TWC to deposit your benefits directly into your personal checking or saving account at no charge, then sign up for direct deposit.
Fees & Bank Charges
How to Avoid Fees & Bank Charges
The easiest way to avoid bank charges is to withdraw cash at Chase ATMs or make retail purchases, because those transactions are always free. You will receive more information about free services and fees in the Chase Disclosure Statement and User Guide included in your welcome packet.
Free services include:
- Purchases at all Visa retail locations worldwide
- Unlimited cash withdrawals at Chase ATMs
- Unlimited cash withdrawals at Allpoint ATMs, if your card begins with 430326
- Unlimited cash withdrawals at MoneyPass ATMs, if your card begins with 483324
- No bank fees at out-of-network ATMs
- Surcharges (fee from the ATM owner) may apply
- Cash-back options where available
- Account balance review
- At all Chase ATMs
- On the Chase Bank web site at UCARD Center
- By calling Chase Bank customer service at 866-865-1273
Fees
A complete list of fees is in the Disclosure Statement in your debit card welcome packet.
| Service | Fees & Surcharges |
|---|---|
| Account enrollment | No fee |
| Retail purchases | No fee |
| Cash back at a merchant | No fee |
| Chase ATM withdrawals | No fee |
| Allpoint ATM withdrawals | No fee, if your card begins with 430326 |
| MoneyPass ATM withdrawals | No fee, if your card begins with 483324 |
| Other ATM withdrawals |
|
| ATM balance inquiry at a Chase ATM | No fee |
| ATM balance inquiry at all other ATMs |
|
| Denied non-sufficient funds (NSF) transaction | No fee |
| Teller withdrawal at Chase Bank or Visa-member bank | No fee |
| Inactive account | $1.50 per month after 12 months of inactivity, if there is a balance in your account |
| Card replacement | No fee |
| Expedited card delivery | $12.50 per card |
| International ATM withdrawal | No fee |
| International ATM balance inquiry | No fee |
| Foreign currency conversion | 3% of the amount converted |
| Account closure with check issuance | No fee |
Merchant Holds
Some merchants hold a preset amount of money in your debit-card account until the final transaction clears your account. For example, if you rent a car or reserve a hotel room, the merchant may estimate and hold the total cost, which could exceed your account balance. Known as pre-authorization, the hold ensures that you have enough money to cover the purchase. The hold appears as a pending deduction on your account statement until the merchant debits the final purchase amount and cancels the hold.
If the hold amount is greater than your account balance, Chase Bank will deny the transaction even though you may have enough money to pay the purchase price.
Get Account Information
Instant Notifications
Get notified immediately when benefits are deposited to your debit-card account by signing up for My Alerts notification services with Chase Bank. You can select e-mail, text or automated voice mail notifications. Alerts provide the specific deposit amount, date of deposit and your available balance. Although Chase does not charge for this service, you may have to pay fees to your Internet, phone or texting provider.
Ways to sign up:
- Login to the Chase Bank UCARD Center and select My Alerts from the quick links menu
- Call Chase Bank customer service at 866-865-1273 and select Option 5
Account Balance & Transaction History
You can find your debit-card account balance and transaction history in the following ways:
- View your debit card information at the Chase Bank UCARD Center
- Sign up to receive free paper account statements
- Call Chase Bank customer service at 866-865-1273
Problem Solving
Lost, Stolen or Damaged Card
To request a replacement card, call Chase Bank customer service at 866-865-1273. If your card is lost or stolen, be sure to call immediately to prevent unauthorized charges. Your new card should arrive within 10 business days.
Troubleshooting Problems
If your debit card doesn't work:
- Make sure you have activated your debit card.
- Make sure you have a balance in your debit-card account.
- Make sure the logo on the ATM matches a logo on the back of your debit card.
- Select the checking option, which is how you withdraw from your debit-card account.
- Try another ATM. The first ATM may be broken or may not be part of the network that accepts the card.
If the debit card still doesn't work, call Chase Bank customer service at 866-865-1273. Staff at your local Workforce Solutions office or Tele-Center cannot assist you with debit-card issues.
Chase Bank Web Site Issues
For help with Chase Bank web site issues, call the Chase web site support helpline at 866-352-5878.