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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 in that it allows you to withdraw your benefits via an ATM or at a Point-of-Sale (POS) terminal. The Department of Labor began using Direct Payment Cards to issue Unemployment Insurance benefits payments effective September 10, 2006. Direct Payment Cards are safer than checks, and 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? Paper checks are no longer issued. The Department of Labor uses Direct Payment Cards to issue Unemployment Insurance benefits payments. Direct Payment Cards offer claimants an easy, safe and convenient way to access their 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 unemployment insurance benefits. We believe the Direct Payment Card system will offer our customers many benefits, such as more flexibility and ease of use. When will I get my Direct Payment Card? Generally, once you file a claim with the Department of Labor, either via the website or by telephone, you should receive your Direct Payment Card early in the third week of your claim. If your claim involves an investigation, it may take longer. The Direct Payment Card will be mailed about one week after your first payment is released by the Department of Labor. For security reasons, your Direct Payment Card will arrive in a plain white envelope. Please watch for it in the mail and do not throw it away (even if you sign up for Direct Deposit). When you receive your card, promptly call Chase Customer Service to activate it. When will I start receiving my benefits? After you first apply for Unemployment Insurance benefits, it will take approximately three weeks for you to receive your initial benefits. In future weeks, benefits will be transferred 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 determine if your benefit payment was released by the Department of Labor, then check to see if your benefit payment was deposited into your Direct Payment Card account. To find out if a payment was released, login at the Benefits Online Page and click on the icon to view your payment history. If the payment has been released, check your Direct Payment Card account at www.myaccount.chase.com or call Chase Customer Service. You will need your six-digit access code and Direct Payment Card PIN. If there is a problem on your claim, you may be contacted by the Telephone Claims Center (TCC). Follow the directions they give you. If your payment has not been relased and you have not been contacted in two weeks, you should contact the Telephone Claims Center. Do I have to activate the card before I can use it? Yes. Once you receive the Direct Payment Card in the mail, you must call Chase Customer Service to activate your card. As part of the activation process, you will be asked to create a PIN and an Access Code. Your Direct Payment Card PIN is a four-digit number that you will enter on the keypad at ATMs and retail locations. This is different from your Unemployment Insurance PIN, which is also a four-digit number. Your Access Code is a six-digit number that you will enter when you call the Chase Customer Service line or access your account at www.myaccount.chase.com. You may update your mailing address or telephone number when you claim your weekly benefits online. After you login at the Benefits Online Page, click on the icon to claim weekly benefits. If you are no longer claiming benefits or need to change your address sooner, you may contact the Telephone Claims Center. After you enter your Social Security Number and Personal Identification Number (PIN) on the touch tone pad and both are confirmed, you will then be given the option, “to change your name, address or phone number, press 1”. You must also call Chase Customer Service to update your new contact information. Will I receive a monthly account statement from Chase? You may view your montly statement and other Direct Payment Card account information by logging in at www.myaccount.chase.com. You will need your Direct Payment Card PIN. You may request to have a monthly paper statement mailed to you by calling Chase Customer Service or by going online at www.myaccount.chase.com. Once you login, click on the "Self Services" tab at the top of the page and then select the "Enroll in Paper Statements" option and follow the instructions. Where can I obtain proof that I am currently receiving Unemployment Insurance benefits? You may review and print the benefit payment information from your current claim after you login at Benefits Online Page. You will need your Unemployment Insurance PIN number to access this information. ltopl FEES FOR USING THE CARD Is there a fee to activate my Direct Payment Card? There is no fee to activate your Direct Payment Card. 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 38,000 Chase and Allpoint ATMs in the United States. Just look for ATMs that display the logos you see on the back of your Card. Chase also allows you two free (no transaction fee) withdrawals per month at ATMs that are not part of the Chase and Allpoint network. Although Chase will not assess a charge on these two transactions per month, most owners of the ATMs you use will. For each withdrawal outside the network beyond the two free withdrawals per month, Chase will charge $1.50, in addition to any fee charged by the out of network ATM owner. Additional fees at other ATMs may vary, so check your balance statement and plan ahead. Please 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. Ask the cashier if there is a fee for this service and what the cash back limit is before you begin your transaction. Previous information materials stated that the Direct Payment Card could also be used, free of charge, at all Bank One ATMs. Why do the current information materials no longer state that? After the previous information materials were published, Bank One became a part of Chase Bank, and all of the Bank One ATMs became part of 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, it is important to keep track of your account balance. You can do this at Chase's website at www.myaccount.chase.com, at any Chase or Allpoint ATM, or by visiting a teller at any bank that displays the MasterCard logo. You may also get cash free of charge at these locations. 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, that accept MasterCard. What is the difference between transactions fees and a surcharge? Chase Bank charges transactions fees for using the Direct Payment Card at ATMs outside the network. You are allowed two free (no transaction 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 surcharge-free at more than 38,000 Chase and Allpoint ATMs nationwide and at banks that display the MasterCard logo. You are allowed two free (no transaction 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, nor will the fee be deducted from your account. You can verify this by checking your ATM transaction receipt. 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 will be responsible for that fee. To avoid ATM fees, you can visit the teller at any bank that displays the MasterCard logo and receive a cash advance payment at no charge. Is there a fee to use a non-Chase ATM? You are entitled to 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 or at 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 inform you of the fee in advance and ask you to accept the charge before proceeding 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 Is there a fee to check my account balance? You can check your account balance free of charge at all Chase and Allpoint ATMs, by calling Chase Customer Service or by logging on to Chase’s website at www.myaccount.chase.com. Chase will charge a fee of $0.50 for a balance inquiry at any bank that is not in the Chase network, and 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 for going 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 surcharge-free to make purchases at any location that displays the MasterCard logo. Is there a fee for getting 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 inquire about any fees before proceeding 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. This will be deducted 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 www.myaccount.chase.com or by clicking here. ltopl 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 38,000 Chase and Allpoint ATMs in the If you use your Direct Payment Card at an ATM other than Chase and Allpoint, you are entitled to 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 beginning your transaction. You cannot use your card:
Can I get my benefits in cash or check form from a bank teller? You may go to a Chase Bank location or any bank that displays the MasterCard logo and receive your benefits in cash or check form. 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 type of 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 and the fees may vary between institutions. Show the teller the Direct Payment Card and ask about fees before you choose your transaction. Can I get cash back at a Point-of-Sale (POS)? Some vendors will allow you to receive 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 Unemployment Insurance 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. ltopl 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 a new card will be mailed to you. 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. Should you choose overnight delivery of your replacement Card, there will be a $10 fee for this service. How will I know how much money is on my Direct Payment Card? You can find out your Direct Payment Card account balance several ways. Check it through Chase’s safe, secure website at www.myaccount.chase.com, or by calling Chase Customer Service. You can also obtain your account balance without a surcharge at all Chase and Allpoint ATMs. 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? The Direct Payment Card has no daily limit for ATM withdrawals. You may withdraw up to the balance available in your Direct Payment Card Account or the maximum amount allowed by the ATM, whichever is less. However, individual ATMs may have limits. Remember, there is no fee if you use your Direct Payment Card at Chase and Allpoint ATMs. You are allowed two free (no transaction 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. What is the difference between a Direct Payment Card PIN and an Access Code? Your Direct Payment Card PIN is a four-digit number that you enter on the keypad at ATMs and retail locations. This is different from your Unemployment Insurance PIN which is also a four-digit number that allows you to access your unemployment insurance claim information and claim weekly benefits. Your Access Code is a six-digit number that you enter when you call Chase Customer Service. You must select both the Direct Payment Card PIN and Access Code when you call to activate your Card. When will I need to use the PIN and Access Code? You will need your Direct Payment Card PIN to access your account information or make a withdrawal at an ATM, or to access account information on Chase’s web site. You will use your Access Code to obtain account information from Chase’s What if I forget my PIN or access code? If you forget your Direct Payment Card PIN or access code, 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? If you are having 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. If the correct Direct Payment Card PIN is not entered by the fourth try, you must wait until after midnight to try again or call Chase Customer Service for assistance. 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 and that you have an available balance. If an ATM doesn’t accept your Card, simply 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 further assistance. 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 continue to use the Card as long as there are enough funds 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 are insufficient funds in your account to cover the purchase, it will be denied. Be aware 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 go to a teller at any Chase location or to any bank that displays the MasterCard logo and receive the balance of your account in cash for free. You can also spend these funds at any Point-of-Sale (POS) that accepts MasterCard. I am no longer collecting benefits. What do I do with the Direct Payment Card? Your Direct Payment Card is valid for three (3) years. Even if you are no longer collecting benefits, you should keep the Direct Payment Card in a safe location in the event you need to claim benefits again. Keeping the Card will expedite the receipt of benefits for future claims. If you lose or throw away the Card, or if your next claim is more than three (3) years later and the Card has expired, please call Chase Customer Service to request a new Card. 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 secure location. It will re-activate with the same PIN should you be approved for UI benefits at a later date. What do I do when my Direct Payment Card expires? If you have received benefits within a month of the expiration date on the card, you will receive a replacement card in the mail. If you have not received benefits within a month of the expiration date on the card, you must order a replacement card when the old card expires by calling Chase Customer Service. You should verify your address with Chase when ordering a replacement card. ltopl
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