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By
John Waggoner
AARP En español Published July 07, 2020If you are one of the 4 million Americans who received your stimulus payment mailed to you on a preloaded debit card, you may soon get a letter asking a simple question: Why haven't you
activated it yet?
The debit cards went to certain taxpayers eligible for a stimulus payment who filed federal tax returns for 2019 or 2018 but for whom the Internal Revenue Service (IRS) didn't have bank
account information to make a direct deposit. Instead, the stimulus payment, which the IRS calls an economic impact payment (EIP), is loaded onto the debit card. The Visa debit cards were
issued by MetaBank, N.A., and came in a plain envelope from Money Network Cardholder Services.
The debit cards were originally mailed in May and June. Because the cards were sent in nondescript envelopes, some people may have tossed them out along with their junk mail. Taxpayers who
were mailed a debit card for their stimulus payment but haven't activated it yet will receive a letter this month reminding them that they can activate it to access their money. If the debit
card is lost, the letter will provide instructions for obtaining a free replacement card.
Unlike the original mailing, the reminder letter will be hard to mistake: The U.S. Treasury Department logo will be prominently displayed on the envelope and letter. The left front of the
envelope will say: “Not a bill or an advertisement. Important information about your Economic Impact Payment.”
treasury.govThe letter includes instructions for people who haven't activated their card yet and carries a picture of what the debit card looks like. It will also include a toll-free phone number to
call if you haven't received a card or accidentally threw it away: 800-240-8100. If you receive a letter with a different phone number, it's probably a scam, says the National Consumer Law
Center.
If you simply haven't activated your card, go to the Money Network site and create a login and a four-digit personal identification number. If you lost your card, or accidentally tossed it
out with the junk mail, you can get one free replacement card from MetaBank customer service: 800-240-8100 (option 2 from the main menu). Subsequent replacements cost $7.50. You don't need
to know your card number to request a replacement.
%{postComment}%John Waggoner was AARP's money editor from 2019 to 2024, covering everything from budgeting and taxes to retirement planning and Social Security. He was previously a reporter for Kiplinger's
Personal Finance and USA Today and has written books on investing and the 2008 financial crisis. Waggoner's USA Today investing column ran in dozens of newspapers for 25 years.
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