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Direct Payment Card - FAQs


GENERAL

FEES FOR USING THE CARD

WHERE YOU CAN USE THE CARD

ABOUT THE DIRECT PAYMENT CARD


 

GENERAL

What is a Direct Payment Card?

A Direct Payment Card is similar to a debit card.  It lets you withdraw your UI benefits at:

  • An ATM
  • Cash register
  • Point-of-Sale (POS) terminal

The Department of Labor began to issue UI benefit payments by Direct Payment Cards in 2006. Direct Payment Cards are safer than checks. Because they carry the MasterCard logo, the funds are guaranteed. Only the Department of Labor can deposit money into the Direct Payment Card account.

Why am I getting a Direct Payment Card?

We no longer issue paper checks. The Department of Labor uses Direct Payment Cards to transmit UI benefit payments. Direct Payment Cards give people an easy, safe and convenient way to access their UI benefits.

Can I get a paper check instead of a Direct Payment Card?

No. The Department of Labor no longer prints any paper checks for UI benefits. We believe the Direct Payment Cards give our customers many benefits. The cards are more flexible and easy to use.

When will I get my Direct Payment Card?

After you file a UI claim with the Department of Labor on our web site or by phone, you should receive your Direct Payment Card early in the third week of your claim. If we have to investigate your claim, it may take longer.

The Direct Payment Card will be mailed about one week after we release your first payment. For security reasons, you get your Direct Payment Card in a plain white envelope. Please watch for it in the mail. Do not throw it away (even if you sign up for Direct Deposit). When you receive your card, promptly go online to http://www.ucard.chase.com or call Chase Customer Service to activate it.

When will I start to receive my benefits?

After you first apply for UI benefits, it takes about three weeks for you to receive your first benefits. After that, we transfer benefits to your Direct Payment Card account within 48 hours after you claim your weekly benefits.

What if I think my payment is late?

You must first learn if we released your benefit payment. Then, check to see if your benefit payment was deposited into your checking account.

To find out if a payment was released:

  • Login with your NY.GOV ID and click on Unemployment Benefits
  • Click on the icon to view your payment history

If the payment has been released, check your Direct Payment Card account at https://www.ucard.chase.com/ or call Chase Customer Service. You must enter your Direct Payment Card PIN.

If there is a problem on your claim, the Telephone Claim Center (TCC) may contact you. Follow the directions they give you. Call the Telephone Claim Center after two weeks, if:

  • Your payment has not been released
  • We have not contacted you

Do I have to activate the card before I use it?

Yes. Once you receive the Direct Payment Card in the mail, you must go online to https://www.ucard.chase.com or call Chase Customer Service to activate your card. To activate your card, you must choose a 4-digit Personal Identification Number (PIN) that you will enter on the keypad at stores and at ATM's.  You will also need your PIN to access your account information online at https://www.ucard.chase.com/. This PIN should not be the same as your UI claimant PIN, which is also a four-digit number.

What if my address changes?

You may update your mailing address or phone number when you claim your weekly benefits online. To do this:

  • Login with your NY.GOV ID and click on Unemployment Benefits
  • Click on the icon to claim weekly benefits
  • Change address

You may contact the Telephone Claim Center if you:

  • no longer claim benefits
  • need to change your address sooner

After you enter both your Social Security Number and Personal Identification Number (PIN) on the touch tone pad and the system confirms them, you have the option, "to change your name, address or phone number, press 1".

You also must call Chase Customer Service to update your new contact information.

How can I view my monthly account statement and other Direct Payment Card account information?

To view your monthly statement and other Direct Payment Card account information log in at https://www.ucard.chase.com/. You will need your Direct Payment Card PIN.

You may ask to get a monthly paper statement in the mail. Call Chase Customer Service or go online at https://www.ucard.chase.com/. Once you login:

  • Click on the "Self Services" tab at the top of the page
  • Select the "Enroll in Paper Statements" option
  • Follow the instructions

How can I prove that I get UI benefits?

You may review and print the benefit payment details from your current claim after you login with your NY.GOV ID and click on Unemployment Benefits.

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FEES FOR USING THE CARD

Is there a fee to activate my Direct Payment Card?

There is no activation fee.

Is there a fee to use my Direct Payment Card?

You can use your Direct Payment Card to withdraw cash, free of charge, at over 49,000 Chase and Allpoint ATMs in the United States. Look for ATMs that display the logos you see on the back of your Card. 

Chase gives you two free (no fee) withdrawals per month at ATMs that are not part of the Chase and Allpoint network. Although Chase will not charge you for these two transactions per month, most owners of the ATMs you use will charge a fee.

Chase will charge $1.50 for each withdrawal outside the network, after the first two, plus any fee charged by the out of network ATM owner. Fees at other ATMs vary. Check your balance statement and plan ahead. See Chase's Direct Payment Card Fee Schedule for details.  

You may also use your Direct Payment Card to make a purchase at millions of businesses that accept MasterCard debit cards. Some businesses, like grocery stores, allow you to get cash back with your purchase. Before you begin your transaction, ask the cashier:

  • Is there a fee for this service?
  • What is the cash back limit?

Before, I could use the Direct Payment Card, free of charge, at all Bank One ATMs. Is that still true?

Bank One is now part of Chase Bank, and all of the Bank One ATMs joined the Chase network. You can use your card, free of charge, at all of the Chase  and Allpoint ATMs. 

What is the best way to avoid paying fees to access my money?

To avoid paying fees, keep track of your account balance. You can do this:

You may get cash free of charge:

  • At Chase or AllpointATM locations
  • By visiting a teller at any bank that displays the MasterCard logo

Just look for ATMs that display the logos on the back of your Card.  To find an ATM near you, use the ATM locators at Chase ATM locations and Allpoint ATM locations.

Lastly, you may also use your Direct Payment Card to make purchases at millions of businesses, known as Point-of-Sale (POS) locations, which accept MasterCard.

What is the difference between transaction fees and a surcharge?

Chase Bank charges transaction fees for using the Direct Payment Card at ATMs outside the network.  You get two free (no fee) withdrawals per month at non-Chase and Allpoint ATMs.  There will be a fee of $1.50 for each additional withdrawal at ATMs outside this network. 

A surcharge is a fee imposed by the owner of the ATM if it is not a Chase or Allpoint ATM.  Most ATM owners outside the Chase network will charge a fee for the use of their machine.  These fees may vary, so check your balance statement and plan ahead.

Will I have to pay ATM surcharges?

It depends on how you choose to access your funds.  Chase Bank has joined the Allpoint ATM network, which means you can use your Direct Payment Card with no surcharge at more than 49,000 Chase and Allpoint ATMs nationwide and at banks that display the MasterCard logo. 

You get two free (no fee) withdrawals per month at non-Chase ATMs.  Chase will charge a $1.50 transaction fee for withdrawals over this limit at non-Chase and Allpoint ATMs.  There may be an additional surcharge from the ATM owner.  Therefore, a transaction that is free at a Chase or Allpoint ATM or at a bank teller that displays the MasterCard logo, could cost more than $1.50 somewhere else.

Please note that at Allpoint ATMs you must press "YES" to accept the surcharge and proceed with your transaction.

  • You will not be charged for the fee
  • There will not be a fee deducted from your account
  • Check your ATM receipt to verify this.

For the nearest Allpoint ATM location, visit Allpoint ATM locations.

Many other ATM owners do assess a surcharge, so keep track of your balance. If you use an ATM with a surcharge, you must pay that fee. To avoid ATM fees:

  • Visit the teller at any bank that displays the MasterCard logo
  • Get a cash advance payment at no charge

Is there a fee to use a non-Chase ATM?

You get two free withdrawals per month at ATMs other than Chase and Allpoint. Additional withdrawals at these ATMs cost $1.50 per use.  There may be an additional surcharge from the ATM owner.

How many free ATM withdrawals a month do I get?

You have an unlimited number of withdrawals with no fee at:

  • Any Chase and Allpoint ATM
  • A teller in any bank that displays the MasterCard logo

What is the fee if I exceed the two free withdrawals per month at non-Chase network ATMs?

For any withdrawals made at ATMs other than Chase and Allpoint beyond the two free monthly withdrawals, you will be charged $1.50 per withdrawal from Chase, and an additional fee from the ATM owner.  Most ATMs will tell you of the fee in advance and ask you to accept the charge before you proceed with the transaction.

Is there a fee if I use an ATM outside the US?

There is a $3.00 currency fee for each cash withdrawal made at ATMs outside the United States.

Is there a fee to check my account balance?

You can check your account balance free of charge:

Chase will charge a fee of $0.50 for a balance inquiry at any bank that is not in the Chase network.  The other financial institution may also charge an additional fee.

Is there a fee to get cash from a bank teller?

There is no fee if you go to a teller at any bank that displays the MasterCard logo to get your benefits in cash.

Is there a fee to get my benefits in check form from a teller?

Yes. Depending on the bank, the fee for a check may vary. The cost at Chase for a bank check to close an account is $12.50. Ask before you complete the transaction at other banks.

Are there any fees at Point-of-Sale (POS) locations?

You can use your Direct Payment Card without a fee to make purchases at any location that displays the MasterCard logo.

Is there a fee to get cash back at a Point-of-Sale (POS) terminal?

Depending on the type of agreement the vendor has with the bank, there may be a fee to get cash back.  You should ask about any fees before you proceed with the transaction.

Is there a fee if my Direct Payment Card is denied for insufficient funds?

There is a charge of $0.50 for each transaction that is denied for insufficient funds.  Chase will deduct this from the money in your account.

Where can I get a complete list of fees?

There is a complete list of fees in the Disclosure Statement included in the Direct Payment Card Welcome Packet.  You can also review the fees online at https://www.ucard.chase.com/.

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WHERE YOU CAN USE THE CARD

Where can I use my Direct Payment Card?

You can use your Direct Payment Card to withdraw cash, surcharge-free at over 49,000 Chase and Allpoint ATMs in the United States. Just look for ATMs that display the logos on the back of your Card.  To find an ATM near you:

If you use your Direct Payment Card at an ATM other than Chase and Allpoint, you get two free ATM withdrawals per month.  Withdrawals over this amount will result in a charge of $1.50 per transaction. 

You can also use your Card to get a cash advance at no charge at a teller window in any bank that displays the MasterCard logo.  MasterCard is also accepted at hundreds of thousands of businesses where you can make purchases and sometimes get cash back with your purchase.  The amount of cash back allowed may vary by store, as will the fee they may charge.  Be sure to ask the clerk about debit card fees before you begin your transaction.

You cannot use your card:

  • To pay for gas outside at the pump. Instead, you will have to go inside the service station and prepay for the fuel purchase. (Go inside and tell the attendant that you'd like to pay for $20 on pump number 5.)
  • For travel on cruise lines.
  • For pay-per call services (900 number calls).

Can I get my benefits in cash or check form from a bank teller?

You can get your benefits in cash or as a check from:

  • Any Chase Bank location
  • Any bank that displays the MasterCard logo

The MasterCard logo guarantees that you can withdraw funds from your account.

Can I use my Card at any bank or does it have to be a Chase location?

Yes, you may withdraw cash with no fee at the teller window of any bank that displays the MasterCard logo.  If you go to a Chase location there will be no fee for any transaction.  If you go to a non-Chase network bank, there will be a fee to check your account balance or to issue a paper check. The fees may vary between institutions. Before you choose your transaction:

  • Show the teller the Direct Payment Card
  • Ask about fees

 

Can I get cash back at a Point-of-Sale (POS)?

Some vendors will allow you to get cash back with your purchase.  For example, most grocery stores allow this.  However, the amount of cash they allow and the fees charged will vary by store. Be sure to ask the clerk or cashier about their policies before you complete your transaction.

What if there are no Chase branches where I live?

You can go to any financial institution that displays the MasterCard logo to receive the balance of your UI benefits from your account in cash at no charge. 

What ATM networks accept the Direct Payment Card?

Chase, Allpoint, and Pulse networks all accept the Direct Payment Card.

Are there advantages to using an Allpoint ATM vs. a Chase ATM?

Allpoint ATMs are located in retail outlets across the state, not in banks.  Depending upon your location, you may find you have greater access to Allpoint ATMs.

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ABOUT THE DIRECT PAYMENT CARD

What should I do if I lose my Direct Payment Card?

If your Direct Payment Card is lost, stolen or damaged, you must call Chase Customer Service and they will mail you a new card.  The bank offers one free replacement card during each calendar year.  Additional replacement cards will cost $5 per card and will arrive within 5-10 business days.  If you choose overnight delivery of your replacement Card, there is a $10 fee for this service.

How will I know how much money is on my Direct Payment Card?

To find out your Direct Payment Card account balance:

If you check your balance at another ATM or at a bank displaying the MasterCard logo, there is a $0.50 transaction fee.  You will need your PIN number to access your account information.

How much money can I withdraw from an ATM?

You cannot withdraw more than $800 per day from an ATM with your Direct Payment Card.  Note: There may be a lower limit on the individual ATM.

Remember, there is no fee if you use your Direct Payment Card at Chase and Allpoint ATMs.  You get two free (no fee) withdrawals per month at ATMs outside the Chase network.  There will be a fee of $1.50 for additional withdrawals at non-Chase and Allpoint ATMs.  To avoid ATM fees, you can visit the teller at any bank that displays the MasterCard logo and receive cash at no charge.

Is the Direct Payment Card PIN different from the UI PIN?

Your Direct Payment Card PIN is a four-digit number that you enter on the keypad at ATMs, retail locations and when you call Chase Customer Service. This is different from your UI PIN, which is also a four-digit number that allows you to access your unemployment insurance claim information and claim weekly benefits. You must select the Direct Payment Card PIN when you call to activate your card. 

When will I need to use the PIN?

You will need your Direct Payment Card PIN to:

  • Access your account information on Chase's web site
  • Obtain account information from Chase's Customer Service Center
  • Make a withdrawal at an ATM

What if I forget my PIN?

If you forget your Direct Payment Card PIN, call Chase Customer Service to select a new one. You should choose numbers that are easy for you to remember, but hard for someone else to figure out.

What if I enter the wrong PIN?

When you  have trouble remembering your Direct Payment Card PIN, DO NOT try to guess when entering it on a Point-of-Sale (POS) terminal or ATM. If you enter the wrong Direct Payment Card PIN, you have three more chances to enter the correct number. After four tries, if the correct Direct Payment Card PIN is not entered, you must wait until after midnight to try again or call Chase Customer Service for help.

What if my Direct Payment Card doesn't work?

If your Direct Payment Card doesn't work, please make sure that you:

  • Have activated the Card
  • Show a balance in the account

If an ATM doesn't accept your Card, try another ATM. The first ATM may be out of service or may not be part of the network that accepts the Card. If the Card still does not work, call Chase Customer Service for help.

Is there a limit on the number of purchases I can make per month?

You can make an unlimited number of Point-of-Sale (POS) purchases per month. You can use the Card as long as there is money in the account to cover the amount of the purchase.  Be sure to keep track of your balance.

What happens if I try to make a purchase and there are insufficient funds in my account?  Will it go through or be denied?

If you try to make a purchase at any Point-of-Sale (POS) and there is not enough money in your account to cover the purchase, it will be denied. There is a fee of $0.50 for each transaction denied for insufficient funds.

There is less than $20 in my account - how do I get it if the ATMs only work in $20 increments?

If there is less than $20 in your account, you can get the balance in your account for free from:

  • A teller at any Chase location
  • Any bank that displays the MasterCard logo

You can also spend these funds at any Point-of-Sale (POS) that accepts MasterCard.

I no longer collect benefits.  What do I do with the Direct Payment Card?

Your Direct Payment Card is valid for three (3) years.  Even if you  no longer collect benefits, you should keep the Direct Payment Card in a safe place in case you need to claim benefits again.  Keeping the Card will expedite the receipt of benefits for future claims. 

 Please call Chase Customer Service to request a new Card if you:

  • Lose the Card
  • Throw away the Card
  • Have an expired Card (more than three (3) years old)

Do I need a new Direct Payment Card every time I apply for benefits?

No. Even if you are not currently receiving benefits, you should keep the Card in a safe place. It will re-activate with the same PIN if you are approved for UI benefits at a later date.

What do I do when my Direct Payment Card expires?

If you claim benefits within a month of the expiration date on the card, you will get a replacement card in the mail.

If you have not claimed benefits within a month of the expiration date on the card, order a replacement card when the old card expires from Chase Customer Service. You should verify your address with Chase when you order a replacement card.

 

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