Questions and Answers about the Third-round Economic Impact Payment — Topic D: EIP Cards

These updated FAQs were released to the public in Fact Sheet 2022-22PDF, March 25, 2022.

If you didn't receive, or get the full amount of, the third-round Economic Impact Payment, you may be eligible to claim the 2021 Recovery Rebate Credit and must file a 2021 tax return – even if you don't usually file taxes – to claim it. Your 2021 Recovery Rebate Credit will reduce any tax you owe for 2021 or be included in your tax refund.

If your income is $73,000 or less, you can file your federal tax return electronically for free through the IRS Free File Program. The fastest and most secure way to get your tax refund is to file electronically and have it direct deposited, contactless and free, into your financial account. You can have your refund direct deposited into your bank account, prepaid debit card, or mobile app, and will need to provide routing and account numbers.

If you didn't get the full amounts of the first and second Economic Impact Payments, you may be eligible to claim the 2020 Recovery Rebate Credit and must file a 2020 tax return – even if you don't usually file taxes – to claim it. DO NOT include any information regarding the first and second Economic Impact Payments or the 2020 Recovery Rebate Credit on your 2021 return.

Maybe. If your third-round payment was issued by mail, your payment arrived in the mail as a paper check from the U.S. Treasury or debit card.

The EIP Card was sent in a white envelope with a return address of “Economic Impact Payment Card,” and displays the U.S. Department of the Treasury Seal. The card has the Visa name on the front and the issuing bank, MetaBank®, N.A. on the back. Information included with the EIP card explains that this is your Economic Impact Payment. If you have an Economic Impact Payment Card, visit EIPcard.com for more information.

After May 2021, debit cards were no longer mailed for the third-round Economic Impact Payment or the plus-up payment.

Securely access your IRS online account to view the total amount of your first or second Economic Impact Payment amounts under the Tax Records page.

If your debit card is lost or destroyed, request a free replacement with MetaBank® Customer Service.

No, your third-round payment will not be deposited on the same EIP card.  EIP Cards are not “reloadable” and can’t have payments added.

Yes. The limit on ACH transfers to a bank account is $2,500 per transaction. You can easily transfer the money from your EIP Card to an existing bank account online at EIPcard.com or by using the Money Network Mobile App. You will need the routing and account number for your bank account. To transfer funds:

  1. Call 800-240-8100 (TTY: 800-241-9100) to activate your card.
  2. Register for online or mobile app access by going to EIPCard.com or the Money Network Mobile App and click on “Register.” Follow the steps to create your user ID and password. Be sure to have your EIP Card handy.
  3. Select “Move Money Out” and follow the steps to set up your ACH transfer. Transfers should post to your bank account in 1-2 business days.

If your EIP card is lost or destroyed, you may request a free replacement through MetaBank® Customer Service. To request a replacement call 800-240-8100 (select your language and then select option 2 from main menu) and enter the last six digits of the Social Security number of the person who is listed first on your tax return.

EIP Cards are sponsored by the Treasury Department’s Bureau of the Fiscal Service, managed by Money Network Financial, LLC and issued by Treasury’s financial agent, MetaBank®, N.A. The EIP Card was sent in a white envelope with a return address of “Economic Impact Payment Card,” and displays the U.S. Department of the Treasury Seal. The card has the Visa name on the front and the issuing bank, MetaBank®, N.A. on the back. Information included with the EIP card explains that this is your Economic Impact Payment. If you have an Economic Impact Payment Card, visit EIPcard.com for more information. 

For all other EIP Card issues or questions, such as a name correction, contact MetaBank®, N.A. at 800-240-8100, or visit EIPcard.com.