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DEBIT CARD INFORMATION

What is the Unemployment Debit Card?
Is the Unemployment Debit Card a credit card?
If I receive a card, does that mean I have met the unemployment benefits eligibility criteria?
What should I do if I’ve moved since signing up for unemployment benefits?
How can I access my unemployment benefit funds?
Where can I get cash with my Unemployment Debit Card?
Can I access the entire cash amount of my unemployment benefit payment on the day the funds are available?
Will there be a fee for accessing my funds?
Can benefits be deposited into my personal bank account?
Can I set up a funds transfer and throw the card away?
How do I check my Unemployment Debit Card balance?
How can I track my spending?
What should I do if my card is lost or stolen?
What if I discover unauthorized or fraudulent use of my card?
Who should I call with questions?
How do I change my address?
If I re-qualify for unemployment benefits at a later point, can I use the same Unemployment Debit Card?
Anti-phishing information


What is the Unemployment Debit Card?

The Unemployment Debit Card is the way unemployment claimants in Kansas receive unemployment benefits. The Unemployment Debit Card adds convenience and security to accessing your unemployment benefit payments. A card will be mailed to your home address when your first payable week is processed. Through Bank of America, the Kansas Department of Labor (KDOL) deposits your unemployment benefit payments onto your card, making cash available to you through ATMs, MasterCard member financial institutions and other locations, such as grocery stores, that accept MasterCard debit cards. The Frequently Asked Questions on the Bank of America Debit Card Customer Service Center website will provide detailed instructions on how to use your card at www.bankofamerica.com/kdoldebitcard.


Is the Unemployment Debit Card a credit card?

No. It is a prepaid debit card. The card carries no credit line and you are not subjected to a credit check or approval process to receive the card. Purchases and withdrawals are limited to the balance on your card, similar to a checking account or a gift card.


If I receive a card, does that mean I have met the unemployment benefits eligibility criteria?

Receiving a debit card means your first benefit payment has been approved. Getting a debit card does not guarantee that you will continue to qualify for unemployment benefits and payments. You should continue to file a weekly claim. If you have any questions, visit the KDOL website, at www.GetKansasBenefits.gov, for more information on your claim.

IMPORTANT REMINDER: It can take up to one week after processing the first payable week for you to receive your debit card.


What should I do if I've moved since signing up for unemployment benefits?

Immediately notify KDOL and the Bank of America Debit Card Customer Service Center of your address change.

We recommend using the internet at www.GetKansasBenefits.gov. You can change your address from the Frequently Asked Questions page under Self Service – Change Personal Information. Or you may call the Unemployment Contact Center. Please be aware that high call volumes may lead to long waiting periods on hold if you choose to call.

Notify the Bank of America Debit Card Customer Service Center at 844-484-0046 or through your profile page on its website. Failure to report a new address could result in not receiving your Unemployment Benefits Card or other important correspondence in the mail.


How can I access my unemployment benefit funds?

To access your funds, you can:

  • Make purchases through signature or PIN-based transactions
  • Get cash back at store point-of-sale locations
  • Withdraw funds from an eligible fee-free ATM, as identified by Bank of America
  • Transfer funds to your personal bank account through Bank of America
  • Obtain cash through bank tellers at any MasterCard-member bank

Important note regarding ATM withdrawals: There is a fee for non-participating ATM withdrawals and international withdrawals. See the Bank of America Frequently Asked Questions on its website for more information.


Where can I get cash with my Unemployment Debit Card?

You can receive cash back at select retail point-of-sale merchant locations. You can also withdraw funds with no fee at any Bank of America or Allpoint ATMs in the U.S.

Locations of surcharge-free ATMs are listed on the Bank of America Debit Card Customer Service Center website. You can also withdraw funds without paying a fee at any bank branch nationwide that accepts MasterCard. Inform the teller you would like to make a cash withdrawal, indicate the exact amount and provide your Unemployment Debit Card and identification to the bank teller. In addition, you can transfer funds to your bank account. (See Can benefits be deposited into my personal bank account? below.)


Can I access the entire cash amount of my unemployment benefit payment on the day the funds are available?

Yes. The total amount is available for withdrawal on the day of payment. However, there may be a $1,000 daily limit set on ATM cash withdrawals. Please note that some transactions, such as use of your debit card at a gas station, restaurant or hotel, may cause a hold on an amount of your card for up to several days. Some ATMs set limits on the amount that can be withdrawn at one time.


Will there be a fee for accessing my funds?

Claimants will not pay any fee with their unemployment benefits debit card when:

  • Making unlimited fee-free purchases at any MasterCard retail or online merchant.
  • Getting a cash advance at any MasterCard-member bank or credit union.
  • Accessing cash at any Bank of America or Allpoint ATM in the U.S.
  • Setting up one-time or recurring fund transfers from their card to their bank account.

Can benefits be deposited into my personal bank account?

You may choose to transfer your funds into your personal bank account by setting up a transfer of funds through Bank of America's Debit Card Customer Service Center website. With this option you can set up a one-time transfer of funds or you can set up automatic, recurring transfers of future payments earned. To set up a transfer, log onto www.bankofamerica.com/kdoldebitcard or call 844-484-0046.

Note: There is no charge for this service but transfers may take up to five business days to post to your bank account.


Can I set up a funds transfer and throw the card away?

No. There may be a period of time in which your benefits are deposited to the debit card before the transfer to your bank account can take effect. Additionally, if you set up a bank transfer, you should hold on to your card to get payment detail information, receive balance alerts and update withdrawal information for your account. Your Unemployment Insurance debit card is good for three years. If you receive unemployment benefits again in that three-year time frame, benefits will be applied to the same debit card account.


How do I check my Unemployment Benefits Card balance?

Check your balance online at www.bankofamerica.com/kdoldebitcard or call 844-484-0046. You can also check your balance at network ATMs, and sign up to receive low balance alerts sent to your cell phone or email address. Note: These features are still available if you choose to transfer your funds from your debit card account to your bank account.


How can I track my spending?

You can view a summary of account information, including balances, transactions, fees and deposit amounts through the Bank of America Debit Card Customer Service website or by calling 844-484-0046.


What should I do if my card is lost or stolen?

If your card is lost or stolen, report the incident immediately by calling the Bank of America Debit Card Customer Service Center at 844-484-0046. Bank of America will send you a replacement card.


What if I discover unauthorized or fraudulent use of my card?

Please call 844-484-0046 as soon as possible if you notice unauthorized or fraudulent activity on your card and have your account reissued by Bank of America. The Bank of America “Zero Liability” Policy protects you against fraudulent transactions (subject to certain conditions).


Who should I call with questions?

You should call the Bank of America Debit Card Customer Service Center at 844-484-0046 for the following topics:

  • Card usage (retail spending issues, ATM locations, etc.)
  • Balance and transaction details
  • General payment details
  • Address changes
  • Set up or updates to bank transfer settings

You should contact KDOL with your questions about:

  • Unemployment benefit eligibility or participation
  • Missed or erroneous payments
  • Address changes

To contact KDOL call the Unemployment Contact Center. Please note that high call volumes may cause long wait times.


How do I change my address?

On the Frequently Asked Questions page, click on Self Service – Change Personal Information.


If I re-qualify for unemployment benefits at a later point, can I use the same Unemployment Debit Card?

Yes. Hold onto your Unemployment Debit Card in the event that you might receive future payments from the State of Kansas. Your card is good for three years from the date it is issued to you.


Anti-Phishing Information

Phishing is when Internet thieves troll the sea of online consumers in hopes of netting unsuspecting victims. One common method of phishing is sending “spoof,” or fake emails, which copy the appearance of websites or companies in an attempt to commit identity theft or other crimes.

Be suspicious of emails that request personal information and avoid emails telling you to click a link and submit personal information. Bank of America will never ask you via email to login or provide card or account information without you first initiating contact with the Bank of America Debit Card Customer Service Center.



Disclaimer: The information listed here does not have the effect of law or regulations, but may help answer questions you have about your claim. If you have questions or a problem with your claim that is not covered on this site, please contact the Unemployment Contact Center.