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JP Morgan Chase Direct Payment Card - FAQs

General

Fees for Using the Card

Where you can use the card

About the Direct Payment Card


General

The Department of Labor changed to Key Bank for debit card services. Why did the Department of Labor stop using the Chase Direct Payment Card?

JP Morgan Chase discontinued their prepaid card program. KeyBank offers the Department of Labor's customers all of the same services that JP Morgan Chase used to, plus some additional services like email or text alerts.

When will I get a new debit card from KeyBank?

If you file a new claim for Unemployment Insurance benefits, you should receive your debit card early in the third week of your claim.  If we have to investigate your claim, it may take longer.

If you are not collecting benefits (due to temporary work or some other reason), you will receive a new KeyBank debit card when you start collecting benefits again.  It will take 7-10 business days to get your new card in the mail, which may delay your benefits.

The debit card will be mailed in a plain white envelope.  Please watch for it in the mail.  Do not throw it away, even if you sign up for Direct Deposit.  It is valid for 3 years and can be used for future claims.

Keep your Chase Direct Payment Card and use it until all funds are gone.  The funds on your Chase Direct Payment Card will not be transferred to your new KeyBank debit card.  You can keep using your Chase Direct Payment Card as long as there is a balance on it, even if you have a KeyBank debit card. 

Get more information about the new debit card issued by KeyBank at www.labor.ny.gov/debitcard/faq.shtm.

Should I stop using my Direct Payment Card?

No. Use your Chase Direct Payment Card until all funds are gone. You can then discard it. The funds on your Chase Direct Payment Card cannot be transferred to your new KeyBank debit card. You can keep using your Chase Direct Payment Card as long as there is a balance on it, even if you have already received your new KeyBank debit card.

What are my other options for receiving benefits?

You can get your benefits direct deposited into your personal checking account. Register for direct deposit via your online account at: www.labor.ny.gov/signin.

How can I view my monthly account statement and other Direct Payment Card account information?

To view your monthly statement and other Direct Payment Card account information, log in at Chase's safe, secure web site.

You may ask to get a monthly paper statement in the mail.

How can I prove that I get UI benefits?

You may review and print the benefit payment details from your current claim after you login with your NY.gov ID and click on Unemployment Benefits.

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Fees for Using the Card

Where can I get a complete list of fees?

You can request a list of fees by calling Chase Customer Service at the number printed on the back of your card.

What is the difference between transaction fees and a surcharge?

Chase Bank charges transaction fees for using the Direct Payment Card at ATMs outside the network. 

A surcharge is a fee imposed by the owner of the 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.

Are there any fees at Point-of-Sale (POS) locations?

You can use your Direct Payment Card without a fee to make purchases at any location that displays the MasterCard logo.  

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Where You Can Use the Card

Where can I use my Direct Payment Card?

You can use your Direct Payment Card to withdraw cash at ATMs. Just look for ATMs that display the logos on the back of your Card. To find an ATM near you, call Chase Customer Service at the number printed on the back of your card.

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 you begin your transaction.

Can I get my benefits in cash or check form from a bank teller?

You can get your benefits in cash or as a check from:

  • Any Chase Bank location
  • Any bank that displays the MasterCard logo
  • Make sure to ask about fees before your complete your transaction

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 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. The fees may vary between institutions. Before you choose your transaction:

  • Show the teller the Direct Payment Card
  • Ask about fees

Can I get cash back at a Point-of-Sale (POS) and is there a fee?

Some vendors will allow you to get 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.

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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 they will mail you a new card. 

How can I find out how much money is left on my Direct Payment Card?

To find out your Direct Payment Card account balance:

  • Check it through Chase's safe, secure web site.
  • Call Chase Customer Service at the number printed on the back of your card.
  • Check it at an ATM.

What if I forget my PIN?

If you forget your Direct Payment Card PIN, call Chase Customer Service at the number printed on the back of your card 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?

When you have 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. After four tries, if the correct Direct Payment Card PIN is not entered, you must wait until after midnight to try again or call Chase Customer Service at the number printed on the back of your card for help.

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
  • Show a balance in the account

If an ATM doesn't accept your card, 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 at the number printed on the back of your card for help.

I no longer collect benefits. What do I do with the Direct Payment Card?

Your Direct Payment Card is valid for three (3) years. Even if you no longer collect benefits, you should keep using the Direct Payment Card until it no longer has a balance on it. After you have used all the funds, you may throw the card away. If you have a new Unemployment Insurance claim in the future, you will receive a new debit card from KeyBank to use to access your benefits.

Please call Chase Customer Service at the number printed on the back of your card to request a new card if you:

  • Lose the card
  • Throw away the card
  • Have an expired card (more than three (3) years old)

What do I do when my Direct Payment Card expires?

If your Chase Direct Payment Card still has a balance on it, call Chase Customer Service at the number printed on the back of your card to get a new card.

 

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