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- 1.
What is the Visa Electronic Payment Card?
- The Visa Electronic Payment Card (EPC) is one option for a safe and secure method for payment of weekly Temporary Disability benefits. It can be used to get cash from an ATM or bank. It can also be used to make purchases the same way you would use a debit card. Please see questions and answers below on how to use the card without incurring fees.
- 2. What
are the benefits of using the new Visa Electronic Payment Card?
- •
No waiting for a check to arrive in the mail.
• No worries about getting your check cashed or expensive
check cashing fees.
• Access your money on the network or by presenting your Visa Electronic Payment Card at point-of-sale or ATM locations.
•To find all ATM locations nearest to you, click here and then enter your zip code
• Safe, fast, and convenient access to your money without incurring any fees if used properly
• Chase Customer Service toll-free number (1-866-847-8586) is available to answer your questions and obtain your account balance 24 hours a day, 7 days a week. No fee to access your account on-line or via the interactive voice response system and 5 free calls to a Chase customer service representative per month; $0.25 for each call thereafter.
• Chase will send you monthly statements to help you track your transactions and know your balance.
-
3. Do
I have a choice how I receive Temporary Disability benefits?
- Yes,
you have a choice of Direct Deposit into your personal Checking
or Savings account or Electronic Payment card. There are very
few differences between DD and EPC. In both cases your Temporary
Disability benefit payment is electronically added to your account. Please be sure to use your Electronic Payment Card properly to not incur any fees; otherwise please click here to see the fee schedule.
- 4.
While collecting Temporary Disability benefits can I still get
a check?
- The RI Department of Labor and Training is no longer issuing checks. You have a choice of Direct Deposit or the Electronic Payment Card (EPC).
- 5.
How do I get the new Visa Electronic Payment Card (EPC)?
- •
You must be eligible to receive Temporary Disability (or Unemployment)
benefits to receive the new Visa Electronic Payment Card.
• When filing your claim, you will have the option to receive
your benefits via Direct Deposit or Electronic Payment Card
(EPC). If you do not select Direct Deposit you will automatically
receive the EPC.
• Your card will be sent to you in the mail in a plain white windowed envelope, after you are determined to be monetarily eligible to qualify for benefits.
• You may use your card only after benefits have been deposited in your account and you have activated the card. Please follow instructions that will arrive with the card.
- 6.
When the card is sent in the mail, what does the envelope look
like?
- In
order to protect you from potential card theft, your card will
arrive in a white windowed envelope that does not display the
Department of Labor and Training/Unemployment Insurance name
or logo.
- 7.
Can I choose Electronic Payment Card if I now have Direct Deposit?
- Yes,
by contacting the Temporary
Disability Customer Service Center at 401-462-8420.
- 8.
When will benefits be deposited in my account?
- Whether you have direct deposit or the Electronic Payment Card benefits will be deposited within 24 to 48 business hours of approval by the Department of Labor & Training. Approval is based on monetary eligibility and medical certification from your Qualified Health Care Provider (doctor). You should always check your balance before using the card. You may conduct balance inquiries free of charge through the convenience of Internet access at www.myaccount.chase.com OR you may call Chase Customer Service toll-free number
1-866-847-8586. You have 5 free calls per month; $0.25 fee for each call thereafter.
- 9.
How do I activate my Electronic Payment Card (EPC)?
- You
cannot use the EPC card until it has been activated. You should
activate your card immediately after you receive it by calling
Chase Customer Service toll-free number (1-866-847-8586) and
selecting a 4-digit Personal Identification Number (PIN), as instructed when you receive your card
in the mail. 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.
- 10.
How do I use my Visa Debit Card to get cash at an ATM or Bank?
- • You have are allowed one (1) free transaction withdrawal at network ATM’s with each deposit to your account. Please note that nNon-participating banks will charge a surcharge fee. A transaction fee is charged for additional withdrawals during the same deposit period.
• You can get surcharge-free ATM cash withdrawals only at more than 40,000 Allpoint and Chase ATMs nationwide. Look for the Allpoint logo at ATMs at CVS, Target, Hess, Mobil and Exxon gas stations, to name a few. There are 1,953 Allpoint locations in Rhode Island.
• When using your card at an ATM, insert the card and enter your 4-digit PIN. Each ATM may have their specific maximum withdrawal. If you need to withdraw above and beyond the maximum ATM withdrawal allowed, see a teller at any Visa bank.
• Press "Withdrawal" and then "Checking".
• Follow the instructions until the transaction is completed.
• Don't forget to take your cash, your Card and your receipt.
• You may use your Visa Electronic Payment Card (EPC) to perform a bank teller transaction at any Visa member bank free of charge where you can withdraw up to the entire balance in your card.
• Visa member banks are banks that accept Visa cards and will often display the Visa logo on and around their bank branch offices.
• If you are unsure if your bank is a Visa member bank, simply ask the teller.
• 95% of banks in Rhode Island are Visa member banks, and you can perform your free transaction at any of these banks' teller windows.
• When using your card at the bank teller window, present your card and tell the cashier the amount of cash you wish to receive. You may be asked to show identification and sign a receipt.
- 11.
How do I use my Visa Electronic Payment Card to make purchases?
- •
Simply present your card when paying.
• The money is automatically deducted from your account.
• You may also ask for cash back with your purchase at
many merchant locations.
Please note: When you are using the Electronic Payment Card
at a Point-of-Sale (POS) machine and if you select "credit"
and sign for the transaction it will be free. If you select
"debit" and enter your 4 digit PIN you will be charged
$.25 for the transaction.
- 12.
Where can I use my Visa Electronic Payment Card to make purchases?
- You
can use your Visa Electronic Payment Card anywhere you see the
Visa Logo displayed.
- 13.
Can I use my Electronic Payment Card outside of RI or in another
country?
- Yes, you can use the Electronic Payment Card anywhere that accepts
VISA or any ATM. Please click here to see the fee schedule.
- 14.
Can I transfer the money on my Visa Electronic Payment Card
to my personal checking or savings account?
- Yes, the Electronic Payment Card (EPC) will have a new feature as of March 11, 2011.This feature will provide customers with the convenience to transfer the EPC funds to a personal checking or savings account. EPC customers will no longer have to visit an ATM or bank teller to deposit funds from their JPMorgan Chase account to another account of their choice. This feature does not charge a fee as of 6-15-11.To elect this option, cardholders may:
•
Access the EPC account with JPMorgan Chase via the Internet at: www.myaccount.chase.com
•
Click on the “Account Transfers” tab
•
Enter the transfer information (including the amount , account and routing numbers)
• Once the customer verifies the required information, a confirmation page will be displayed
•
The transferred funds are usually available in the designated account within 24 to 48 business hours.
In the unlikely event that a transfer cannot be completed, customers are to contact JPMorgan Chase by calling 1-866-847-8586.
- 15.
Will I be able to add other funds to my card, in addition to
what the Temporary Disability Insurance puts on it?
- No.
Only the state can deposit funds to the card.
- 16.
How much money can I withdraw from an ATM?
- You
may withdraw up to the balance available in your Electronic
Payment Card account or the maximum amount allowed by the ATM, each ATM may vary the maximum allowed.
- 17.
Will the total credits of my claim be on my card when I receive
it?
- No,
just weekly payments authorized by the RI Department of Labor
and Training will be added to your Electronic Payment Card.
- 18.
What if my Electronic Payment Card doesn't work?
- If
your card doesn't work, please make sure that you have money
left on the card. If you card is denied because of insufficient
funds you will be charged a fee. The ATM may be out of service
or may not be on the network that accepts the card. Reminder:
You may use your card surcharge-free at all Allpoint and Chase ATMs.
- 19.
What should I do with the card after the money is gone?
- Keep
it. We'll use it to pay you the next time you draw Temporary
Disability or Unemployment benefits. When the card is sent to
you it will have an expiration date three years from date of
issue. Should you need to file another claim for Temporary Disability
or Unemployment benefits during this time this same card will
be used.
- 20.
What is an ATM denial?
- An ATM denial occurs when you try to withdraw more money than you have available in your account. It is important to keep track of your balance. You may check your balance by;
• Going to the website at www.myaccount.chase.com, which is free of charge… OR
• Calling Chase Bank Customer Service at 1-866-847-8586 and using the Interactive Voice Response system which is free of charge; if you select to speak with a Chase customer service representative you have 5 free calls per month- $0.25 for each call thereafter.
Please Note: An incorrect PIN entry is not an ATM denial. An ATM denial will charge a transaction fee of $1.00. An ATM Inquiry to check your balance will charge a transaction fee of $0.50.
-
21.
How do I perform a balance inquiry?
- You
may conduct balance inquiries free of charge through the convenience
of Internet access to your account information at
www.myaccount.chase.com
OR
You can call Chase Customer Service at 1-866-847-8586
OR
You may check your ATM balance at Allpoint
and Chase ATMs for $0.50; other ATM's may also charge
a surcharge fee.
- 22.
What is an ATM surcharge?
- A
surcharge is a fee charged by the bank or entity that owns the
ATM. This fee is not charged by Allpoint
and Chase ATMs. A surcharge fee is in addition to possible
transaction fees you may be charged. To avoid this fee, make
all of your withdrawals from surcharge-free ATMs (i.e.Washington
Trust, Allpoint and Chase).
- 23.
What is the difference between a transaction fee and a surcharge
fee?
- A
transaction fee is a cost you may incur when using the
card. You can make one ATM cash withdrawal for each benefit
deposit at any ATM location without having to pay a transaction
fee.
A surcharge is an additional fee that may be charged
by the owner of an ATM. You will never have to pay a surcharge
if you use an Allpoint or Chase ATM.
-
Click here to find a list of Electronic
Payment Card Service Fees.
- 24.
How do I know if my ATM is charging me a surcharge?
- Read
all of the ATM messages carefully. You will not be charged a
surcharge unless you agree to it. You may cancel any transaction
to avoid incurring the surcharge fee. Press "Enter"
to accept the surcharge fee and continue with your transaction.
Please Note: Allpoint and Chase
ATMs will never charge a surcharge, though you may incur transaction
fees when using these ATMs. ATMs at these locations will still
ask you to agree to pay a surcharge, but you will not incur
this fee. You must agree to accept the surcharge in order to
complete your transaction, but the surcharge will not be subtracted
from your account balance.
- 25.
I went to a surcharge-free ATM and it still said that I had
to pay a surcharge. Why?
- Allpoint and Chase ATM surcharge message
will appear even though they are surcharge-free. Accept the
surcharge if you want to make the transaction. You WILL NOT
be charged the surcharge amount as long as you're using a surcharge-free
ATM.
- 26.
How do I avoid paying fees?
- •Always
know your balance so that you will not be charged an ATM denial
fee.
• Use your one free cash withdrawal (per deposit—usually
one per week) at participating bank ATMs or any Visa Member
bank teller window.
• Take your Visa Electronic Payment Card to your personal
bank and ask that the balance be transferred to your personal
checking or savings account (make sure your bank is a Visa bank
to ensure you don't incur a fee)
• Avoid using ATMs that are not participating in the program.
• At Point-of-Sale (POS) transaction ask for "credit"
and sign for the transaction.
- 27.
What do I do if I'm charged an unexpected transaction fee?
- Call
Chase Customer Service at 1-866-847-8586 and they will help
you figure it out. If you are charged a fee that you shouldn't
be charged, you will be reimbursed.
- 28.
What should I do if I forget my PIN?
- Call
the Chase Customer Service number on the back of your card 1-866-847-8586.
- 29.
What if I enter the wrong PIN?
- If
you are having trouble remembering your PIN, DO NOT try to guess
your PIN when entering it on a POS terminal or ATM. When you
enter the wrong PIN, you have two more changes to enter the
correct number. If the correct PIN is not entered by the third
try, you must wait until after midnight to try again. [Note:
After several attempts, some ATMs may confiscate your card for
security purposes.] Call Chase Customer Service 1-866-847-8586
if you are having problems with your PIN.
- 30.
What happens if the Visa Electronic Payment card is lost or
stolen?
- Call
the toll-free Chase Customer Service Center, 1-866-847-8586,
to report a lost or stolen card. A new card will be issued and
any remaining balance will be transferred to the new card.
- 31.
What should I do if I'm expecting a card in the mail and don't
receive it?
- Call
Chase Customer Service at 1-866-847-8586 and let them know that
you have not received your card. Make sure your mailing address
is accurate. Look at your junk mail and make sure it's not in
that pile. In order to protect you from potential card theft,
your card will arrive in a white windowed envelope that does
not display the Department of Labor and Training name or logo.
Unlike paper checks, debit cards are not shipped through the
Department, so it may take an extra day or two for the Electronic
Payment card to reach you. Once you have your card, you will
no longer have to wait for a check to arrive in the mail.
- 32.
How do I get my name or address changed on this account?
- Call
the Temporary Disability Insurance (TDI) Customer Service Center
at 401-462-8420 to change the name or address on the account.
- 33.
Can someone other than the person whose name is on it use the
card?
- For
security reasons, you should never share your PIN or allow anyone
else to use your card.
- 34.
Can I request a second card for another individual such as a
family member?
- No.
Only the person approved for Temporary Disability Insurance
benefit payments will receive a card.
- 35.
Can I get into debt by using the Visa Electronic Payment Card?
- Your
card is a prepaid Visa Electronic Payment Card, not a credit
card.
- 36.
Can I use the card to build a credit history?
- No.
The card does not help establish credit history as no credit
check is required to receive the card, and it is not tied to
a bank account or a credit line.
- 37.
Will use of the Visa Electronic Payment Card hurt my credit
rating?
- No.
Your card will be a prepaid Visa Electronic Payment Card not
a credit card. Use of the Visa Electronic Payment Card will
have no effect on your credit rating.
- 40.
Will I earn interest on the funds in my Visa Electronic Payment
Card account?
- No.
The account does not earn interest.
- 41.
Can the State view or track my transactions?
- No.
For privacy reasons, only the cardholder will have access
to this information.
- 42.
Do I still need to update my claim?
- Yes.
When
you receive a status update form, you must call 462-8700 to
report the current status of your claim.
- 43.
Whom do I contact if I have questions?
- Questions
regarding the Electronic Payment Card are to be directed to
Chase Customer Service at 1-866-847-8586. Questions regarding
Temporary Disability Insurance are to be directed to the Temporary
Disability Insurance Customer Service Center at 401-462-8420.
- 44. When is the toll-free Chase Customer Service line available?
- The
call center is available 24 hours per day, 7 days per week.
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