- What is the ReliaCard Visa?
- Is it a credit card?
- How does the ReliaCard work?
- When the card is sent in the mail, what does the envelope look like?
- What information or instructions come with the card?
- Do I need a PIN to use the card?
- How does a cardholder get a PIN?
- What does the cardholder do after receiving the card?
- When getting cash, does the cardholder have to go to a U.S. Bank ATM or U.S Bank Branch?
- How does the State of Nebraska deposit money onto the card?
- Is a cardholder able to add funds to the card in addition to what the State deposits?
- Does the cardholder receive a new card every time a payment is due to him/her?
- Does the recipient or provider have to have an existing relationship with U.S. Bank or any other bank?
- How does a recipient or provider qualify for the card?
- Whom can the cardholder contact if they have questions about the card?
- How do cardholders check the available balance?
- What happens if the card is lost or stolen?
- Can a cardholder request a second card for another individual such as a family member?
- Can the card be used by someone other than the person whose name is on it?
- What happens if a cardholder no longer receives payments from the State, or has decided to switch to having payments directly deposited into a checking or savings bank account?
- Are there any fees associated with this card?
- Can the ReliaCard be overdrawn?
- Does the cardholder receive a monthly paper statement in the mail?
- What services does U.S. Bank’s 24-hour customer service center provide?
- Can the cardholder view the account on-line?
- Can the State view or track individual cardholder transaction activity?
- If the cardholder receives payment from more than one participating State card program, will that cardholder have one, two or more cards?
- Do I need to activate the card prior to funds being deposited?
- Will I earn interest on my funds in my ReliaCard Visa Account?
Q1: What is the ReliaCard Visa?
Nebraska contracts with U.S. Bank to provide a consumer prepaid Visa branded debit card, or Electronic Payment card (EPC) as a payment type option.
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No. Unlike a credit card, no credit line will be available with the ReliaCard. Cardholders can only spend the funds that the State deposits onto the card.
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The ReliaCard can be used to make purchases everywhere Visa debit cards are accepted (over 20 million merchants nationwide and more internationally), including places like grocery stores, gas stations, and restaurants. (It cannot be used to rent a car.) The card can be used to pay bills, and for online, phone, and mail orders. Cardholders can also get cash from over 1 Million Visa/Plus® branded ATMs, or at any bank or credit union that accepts Visa. To locate an ATM: http//visa.via.infonow.net/locator/global/jsp/SearchPage.jsp. The amount of the purchase or cash withdrawal is automatically deducted from the available funds on the card.
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For security reasons, the cards are mailed in a plain white windowed envelope with a Fargo, North Dakota (ND) return address.
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The card comes with the following:
- Instructions on how to activate the card.
- Card member agreement, disclosing fees and all other terms and conditions of use.
- Welcome brochure detailing where and how the card can be used.
- U.S. Bank privacy pledge.
- Visa Purchase Security guide to benefits.
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No PIN is needed to make signature-based purchases. You must use a PIN for cash withdrawals at ATMs or when requesting cash back with a purchase. You choose your own PIN when you receive your card. For security reasons, it is important that you pick a PIN that only you would know. Do not share your PIN or the card with anyone. You should never write your PIN on your card.
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The card mailing does not include the PIN. After the cardholder receives the card, he/she must call U.S. Bank customer service at 866-276-5114 to activate the card and select a 4-digit PIN. In the event that he/she forgets the PIN or does not pick a PIN at the time of card activation, the cardholder must call customer service and request that a PIN letter to be mailed to him/her.
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The card mailing does not include the PIN. After the cardholder receives the card, he/she must call U.S. Bank customer service at 866-276-5114 to activate the card and select a 4-digit PIN. The State can then deposit funds to the card. The cardholder cannot use the card until it is activated and has a PIN. In the event that he/she forgets the PIN or does not pick a PIN at the time of card activation, the cardholder must call customer service and request that a PIN letter to be mailed to him/her.
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No. A cardholder may obtain cash from any of the 1 Million Visa/Plus branded ATMs throughout the world, or over the counter at any bank or credit union that accepts Visa. The cardholder can also get cash back on purchases made at 1.4 million Interlink? merchants throughout the United States such as grocery and discount stores. Note: To identify an Interlink merchant, look for the Interlink logo (on the back of the card) displayed on the merchant’s door or check out counter.
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Anytime payments are due to the cardholder, the State will deposit funds electronically to the card. This is the same process used for depositing funds directly into a checking or savings account (direct deposit). This process sends funds safely and dependably.
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Q12: Does the cardholder receive a new card every time a payment is due to him/her?
No. All future payments will be automatically deposited onto the initial card received. If the card is ever lost or stolen and reported as stolen, a new one will be sent to the cardholder. The remaining available balance from the old card is transferred to the new card. Subsequent payments will go to the new card automatically.
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Q14: How does a recipient or provider qualify for the ReliaCard?
No credit approval is required. Individuals should contact the respective state agency program.
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For payment questions about program issues, such as when the next deposit will be to the card, or what the amount will be, the cardholder should contact the respective state program staff. For all other questions about the card, U.S. Bank customer service is available 24x7x365 toll-free at 866-276363-5114. This number is listed on the back of the card.
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Cardholders can obtain their current available balance three ways:
- View the account online at: www.reliacard.com.
- Perform a balance inquiry at an ATM.
- Call the toll-free customer service number on the back of the card (See Q/A #21 for possible fees).
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Cardholders must call the toll-free customer service number (866-276-5114) to report a lost or stolen card. A new card will be issued and any remaining balance will be transferred to the new card. The cardholder will not be responsible for any fraudulent activity that occurs on the card, provided the card is reported missing in a timely manner, and the cardholder has not shared the card or PIN with anyone.
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No, only the individual to whom the State is issuing payments will receive a card.
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For security reasons, cardholders should never share the PIN or allow anyone else to use the card.
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The cardholder should contact the specific state agency operating the card program for details.
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Yes. Please link to the respective program for information on potential fees.
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Normally the cardholder can only use up to the amount of funds available to them. However, under certain circumstances, such as pay-at-the-pump gas dispensers, or restaurants in which a tip is added to the bill, the card can become overdrawn. If the card is overdrawn, the cardholder is subject to an over-limit fee of $10.00. It is therefore important for cardholders to track the account balance carefully in order to avoid an overdraft situation. Note: As a one time courtesy, U.S. Bank will reverse this fee if the cardholder calls U.S. Bank customer service to discuss how they became overdrawn and to learn how to avoid the fee in the future.
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Q24: What services does U.S. Bank’s 24-hour customer service center provide?
The following can be done through customer service (866-276-5114):
- Activate the card
- Choose/Change PIN (Personal Identification Number)
- Balance inquiry
- Review recent transaction history, including deposits
- Report card lost or stolen and have it reissued
- Speak to a live representative if additional assistance is needed
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Yes, at www.reliacard.com. The following functions can be performed on-line without a fee:
- PIN Change
- Balance inquiry
- View current month’s transactions
- View previous statements for last 12 months
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No. For privacy reasons, U.S. Bank does not share card account numbers or transaction details. However, for reconciliation purposes, the state does have access to the amount and date of deposits to the individual cards via the state payments systems.
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Individuals receiving payments or benefits from more than one State program utilizing the ReliaCard will receive multiple cards. For example: A child support recipient who is also a Health and Human Services provider will receive two ReliaCards, one for child support payments and one for provider payments. That individual will need to distinguish the cards (for example, the child support card number may end with “6” and the provider payment card may end with “8”). An advantage to the cardholder to having more than one card instead of all payments consolidated onto one card is that EACH card has it’s own specific cash access transactions per month. The State is implementing some card design changes that will help the cardholder distinguish between cards for different types of state payments/benefits received.
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Please link to the specific state agency program for more information on card activation.
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