How Do Green Dot Cards Work
The Green Dot card is an FDIC-insured, reoladable prepaid debit card that can be used to make payments and purchases and withdraw cash. This prepaid debit card, the Green Dot Prepaid MasterCard or Visa, has a lower monthly fee than some other Green Dot cards. This Green Dot card has no free ATM access.
How Do You Calculate How Much Unemployment Youll Receive
To figure out how much unemployment pays, visit your states unemployment insurance website.
Your state might provide a calculator to give you a rough idea of how much youll receive.
If you cant find a calculator for your state, you might be able to estimate how much unemployment pays by figuring out what percentage of your base pay your state will match. Depending on how much money you earned before you lost your job, the weekly benefit amount you receive might be capped at the states maximum weekly benefit. Maximum benefit amounts vary by state, but as of January 2020, Massachusetts had the highest maximum and Mississippi the lowest .
Keep in mind that even if you qualify for unemployment benefits, you might not qualify for the maximum benefits available in your state.
How Do I Transfer Funds From The Debit Card To My Personal Bank Account
Heres how to transfer funds from your card account to a traditional checking or savings account.
First, sign on to the website and select the Transfer Funds option from the Account Summary page.
Next, you will need to register a transfer-to account prior to performing your first transfer.
Once your transfer to account is authenticated , your transfer will be made.
After you have transferred funds online, it can take up to 2 business days to receive your funds in your account, and the transfer cannot be canceled once entered.
If your account is a Bank of America account, the funds could be available the next business day, if not sooner.
A minimum value of $20.00 may be transferred.
Note that you can only transfer funds to a traditional checking or savings account owned by you at any U.S. financial institution
Transfers Cannot Be Reversed
Once funds are transferred to your checking or savings account, you will not be able to have the funds returned to you.
Therefore, it is important to make sure the routing number or account number you provide for your checking or savings account is correct.
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How To Check The Balance On An Unemployment Debit Card
Instead of cutting checks, states are now using debit cards to provide funds for social services such as unemployment payments. These cards are often issued through well-known credit card companies and banks. While program specifics differ by state, most programs offer a few basic ways to check your unemployment funds balance.
What To Do If You Don’t Receive Your Payment
If your payment is more than a few days late, call your unemployment office. They will be able to provide you with information as to whether or not your payment has been processed and what to do if your payment is delayed or there’s been some kind of issue.
Most states have a special number to call for debit card problems.
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Option : Activate Your Card Online
You can activate your debit card online on the Bank of America Kansas Unemployment Benefit debit card website.
Once there, click on Activate My Card as shown in the image below.
Next, you will be asked to enter your debit card number, as shown in the image below.
Once you have entered your debit card number, click Continue and follow the instructions to activate your card.
For security reasons you will need:
- the 16-digit number that appears on the face of the card
- the 3-digit card security number that appears on the back of the card
- the last four digits of your social security number.
During the activation process, you will be asked to create a personal identification number .
The PIN can be used to make ATM withdrawals and PIN purchases
Once the card is activated, you will be given the account balance and may begin using it immediately.
Why Didnt I Receive My Full Michigan Unemployment Benefit Payment This Week
There are several reasons why you did not receive your full benefit this week.
First, it could be because you had excessive earnings for the week you are claiming benefits.
Excessive earnings are when your wages for that week equal or exceed your Weekly Benefit Amount .
In order to receive unemployment benefits your earnings cannot exceed 1.5 times your weekly benefit amount.
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What Happens To My Debit Card If It Is Mailed To The Wrong Address
The card will be returned to the Bank of America debit card center.
You must contact the Kansas DOL telephone claims center or go online to update your address.
It may take up to 3 business days for this information to update with Bank of America.
You then can contact the Bank of America Debit Card call center at 1.844.484.0046 to request a new card be mailed.
A replacement card will be issued to you. Please keep in mind due to mailing time it can take up to seven to ten days.
When Do I File My First Weekly Claim For Payment In Kansas
You can file your first weekly claim beginning the Sunday afternoon after filing your unemployment application in the previous week.
For example, if you filed your application on Tuesday you can file for your first week of unemployment beginning on the following Sunday.
You may file weekly claims on the Internet or telephone. You must file each week to be eligible for your weekly payment.
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Why Hasn’t My Debit Card Been Credited
There are several reasons why an expected payment may not arrive on your debit card. Here are a few of them:
- You failed to activate your debit card. When you received your debit card in the mail, you also receive instructions for activating the card by phone or online. If you didn’t activate your card or didn’t activate it properly, benefits won’t appear in your balance.
- You didn’t certify for benefits. States require you to certify your eligibility for benefits on a regular basis. If you fail to certify for a specific period, you won’t receive a payment. If you forgot to certify, your state may allow you to go back in the system and complete certification for that period. Don’t delay, however, after some time has lapsed, you may not be able to go back and claim benefits to which you were originally entitled.
- Your claim has been questioned or suspended. While this is unlikely, it sometimes happens that your unemployment agency receives information that causes it to suspend your claim while it investigates whether you are still eligible for benefits. In many cases, this happens because you made a mistake while certifying for benefits and answered a question in such a way that would disqualify you from a benefit payment.
Some states have automated phone and online systems that can tell you when a payment has been sent to your debit card. Check the service first to make sure that a payment has actually been issued.
What Do I Do If I Dont Receive A Debit Card In The Mail
First, It takes at least three weeks to process a claim for unemployment benefits and issue payment.
When your first benefit payment is available, you will receive a DOL Debit Card in the mail.
Once you activate the card you can track, use, and transfer your benefit payments.
If you have not received your benefits after three weeks,
Confirm the address on file with the Kansas Department of Labor.
If your address is correct, check the following if:
- You have filed for UI in the past and your previous card is not expired, the funds will be transferred to that card.
- Your previous card is expired, your new card will automatically be issued when the deposit posts.
- You have lost or destroyed your previous card, you will need to call Bank of America to request a replacement.
- It has been over ten days since you filed your claim and you have not received your debit card, contact Bank of America at 1.844.484.0046 or visit prepaid.bankofamerica.com/kdoldebitcard.
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What If I Haven’t Received My Unemployment Card
If your card does not arrive within the expected timeline, get in touch with unemployment to explain your situation. Some states may provide a separate customer service number for handling debit card issues. You may also want to check to make sure that your claim was approved.
As a security measure, debit cards are often mailed in plain white envelopes. The envelope may also be printed with an out-of-state return address. To avoid inadvertently throwing away your debit card, be sure to open all your mail while you are waiting for the card to arrive.
How Much Will Your Benefits Be
Once you file for unemployment and are approved, you will begin to receive benefits. Your benefits might come in the form of a check, but more often they will come in the form of a debit card or direct deposit to your bank account. It varies by state. You typically can file weekly online, by email, or by phone.
The amount you receive depends on your weekly earnings prior to being laid off and on the maximum amount of unemployment benefits paid to each worker. In many states, you will be compensated for half of your earnings, up to a certain maximum.
State benefits are typically paid for a maximum of 26 weeks. Some states provide benefits for a lower number of weeks, and maximum benefits also vary based on where you live. In times of high unemployment, additional weeks of unemployment compensation may be available.
Regardless of how much you make, you never can collect more than the state maximum.
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How The Michigan Uia Unemployment Debit Card Works
Heres how the cards will work:
Once you are approved for Michigan Unemployment benefits and begin to receive your payments on the Debit Card, Bank of America will create a card in your name.
After your first unemployment insurance payment is authorized, Bank of America will mail the debit card to you via the United States Postal Service .
You should receive the card within 7-10 days.
Whenever you are due to receive your Michigan Unemployment benefit payment, funds will be sent by Electronic Funds Transfer to your Debit Card.
It is important to note that the Michigan UIA Unemployment Debit Card is NOT a credit card.
Therefore if you try to use your card for purchases that exceed your balance, your transaction may be declined.
Hear From The Experts
Q: What advice do you have for folks navigating unemployment right now?
A: One advice I would give is to think hard if your job is coming back, once the pandemic is over. We live in times when economies are very dynamic, and one needs to be flexible in meeting the demand for labor. It might not be a bad idea to learn some new tasks/skills at the local community college while being unemployed.
Q: How would you advise that people adjust their plans about work during the current reality?
A: The bad news is that the nature of work is rapidly changing, many industries and jobs will never be the same, and will put enormous stress on workers who will be forced to adapt. The good news is that there are more options than ever to do so. Massively Open Online Courses like Coursera, edX, and Udacity offer cheap, flexible, bite-sized courses that can help supplement your current skills with those most needed as the working world evolves. Universities in general, and business schools in particular, increasingly offer high-quality, flexible, specialized degrees that can help you make a bigger transition.
About the author:
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Kansas Unemployment Debit Card Customer Service Phone Number
If you have questions about the Bank of America debit card, you can call the Bank of America Customer Service Center toll-free at the number below:
Phone : 1.844.484.0046
- The amount of wages reported by each employer
- Your weekly benefit amount
- Your total benefit amount
The information in the letter will show whether you have earned enough wages to establish an unemployment claim.
However, if you believe that wages on your Determination Letter are incorrect or missing information, contact the Kansas Unemployment Contact Center for assistance.
You will be asked to provide proof of the correct wages in order to review your claim.
It is important to note that a monetary determination letter does not mean you will receive unemployment benefits.
Additional information may be needed from you and/or your employer to make sure you are eligible.
However, you must continue to file your weekly claim for payment while your claim is being investigated.
Bank Of America Prepaid Debit Card Frequently Asked Questions
DEW’s Prepaid Debit Card is a Visa®-branded card account, which allows direct deposit of unemployment benefits payments to those who do not have a traditional bank account or who do not want their payment deposited into their existing bank account. There is no credit check required.
The deposit account is FDIC insured and follows all Regulation E requirements for consumer protection. The account owner has access to his or he funds 24 hours a day, seven days a week via purchases everywhere Visa debit cards are accepted, ATMs and PIN-based point-of-sale terminals, as well as over-the-counter cash access through tellers at any Visa financial institution.
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My Replacement Debit Card Was Returned What Can I Do
If the post office is unable to deliver a replacement Debit Card, it will be returned to Bank of America.
Heres what you can do:
First, contact the Michigan Unemployment Insurance Agency to update your address information.
Next, contact the Debit Card Customer Service Center at 1.866.436.1964 to request a new card be mailed to you.
How Money Gets Loaded Onto Your Debit Card
Q: How will I know when funds are loaded to my card?You may self-enroll in optional text or email alerts to inform you when funds are added to your account and when you have a low or negative balance. To enroll in the alerts, login to your account on the Key2Benefits.com website.
Q: Can I load money onto my card?No. Only the Employment Security Department can add funds to your debit card.
Q: Who should I contact if I have questions about the amount loaded on my card?If you question the amount loaded on to your card, you should call the ESD claims center at 800-318-6022 . KeyBank cant answer questions about how much you should have received in benefits.
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Account Balance & Transaction History
- Sign up for text alerts
- Hear your recent transaction history
- Report a lost or stolen card and order a replacement
- Speak to a live customer service representative if you need more help
If you have any questions about your ReliaCard or your account, you must logon to www.usbankreliacard.com or call ReliaCard cardholder services at 800-657-6343. U.S. Bank branches, or your personal bank, cannot help you with your ReliaCard account.
Reliacard Activation Time Limit & Expiration
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 ReliaCard is valid for two years, even if you stop receiving unemployment benefits. The expiration date is on the front of your card. Keep your ReliaCard in case you apply for benefits again before it expires. To avoid being charged a monthly inactivity fee, do not keep a balance on your card for more than 12 months without using it.
If you are receiving benefits when your card expires, U.S. Bank will automatically mail you a new card.
You can use your ReliaCard to:
- Make retail purchases anywhere Visa debit cards are accepted. Look for the Visa logo.
- Get cash back when you use your card for retail purchases at participating merchant locations. The amount of cash back may vary by store. Be sure to ask about cash-back limits before beginning your transaction.
Select Credit or Debit to make a purchase. Select Debit to get cash back with your purchase at participating merchants. You will have to enter your PIN and indicate the amount of cash you want in addition to the cost of the purchase. If you select Credit, you will need to provide your signature, and you cannot get cash back.
You cannot use your ReliaCard to:
- Pay for gasoline at the pump. To protect you from overdrafts and pre-authorization holds, you must go inside the service station and pay at the counter before you start pumping gas.
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Are Unemployment Benefits Taxable
Unfortunately, your unemployment compensation is not tax free.
That means youll have to pay taxes on your unemployment benefits. You can have taxes withheld upfront from your unemployment payments, or you can report the money when you file your federal income taxes.
Before you file your tax returns, make sure you look for your 1099-G form in the mail. Like a W-2, a 1099-G reports income for the tax year but instead of wages, the form reports certain kinds of payments issued by governments, such as unemployment.