$1,400 Stimulus Payment Problem: What If You Lost Your Stimulus Debt Card?

Stimulus Check

$1,400 Stimulus Payment Problem: What If You Lost Your Stimulus Debt Card?

The Internal Revenue Service pumped out 159 million stimulus payments priced at more than $376 billion as of April 14, in the form of direct deposit, check and prepaid debit cards. But if you lost your debit card? 

The Internal Revenue Service pumped out 159 million stimulus payments priced at more than $376 billion as of April 14, in the form of direct deposit, check and prepaid debit cards.

The federal aid is part of President Joe Biden’s $1.9 trillion American Rescue Plan that sent out a third round of coronavirus pandemic relief to Americans. The package provides one-time payments of $1,400 to eligible individuals and $2,800 for couples filing a joint federal return. Families could get an additional $1,400 for each eligible dependent.

The IRS is sending most of the relief by direct deposit when possible, since it is the quickest method for Americans to receive the relief, and the rest is being mailed by check and prepaid debit cards.

The latest batch of aid sent out two million stimulus payments, with about 60 percent by direct deposit.

Millions of Americans, however, didn’t receive the first and second rounds of relief payments through direct deposit, creating loads of frustration, as many people lost or accidentally tossed the payment, especially if it was in the form of a prepaid debit card. It was reportedly unclear whether the envelope was from the IRS or Treasury Department, since many of them arrived in plain envelopes.

And instead of referring to the relief as a stimulus payment, the IRS dubbed it as an “economic impact payment,” or EIP, so many people didn’t know what it was, prompting them to throw it out with the junk mail. The debit card also contains the Visa logo on the front, with its issuing bank as MetaBank, the Treasury Department's financial agent.

The department has now altered the appearance of the envelope that contains the prepaid debit card after getting complaints from the previous rounds of payments. Recipients of the third economic relief payment will see the Treasury logo and the alert: “Not a bill or an advertisement. Important information about your Economic Impact Payment,” with the return address: “Economic Impact Payment Card, PO Box 247022, Omaha, NE 68124-7022.”

But even if you accidentally throw away or lose your prepaid debit card, don’t worry—the IRS says you can get it replaced just by a simple phone call.

If you tossed out or lost the pandemic prepaid debit card, you’ll have to call (800) 240-8100 for a free replacement.

You’ll have to first select a language and then wait for Option 2 for a lost or stolen card. Next, select Option 1 and enter the last six digits of your Social Security number, in addition to your Zip code. 

The automated call will then direct you to a customer service representative, who will instruct you to answer security questions to ensure a replacement card can be mailed.

Many Americans are still waiting for the third stimulus payment that was featured in Biden’s rescue package, but White House press secretary Jen Psaki said that the Treasury Department and the IRS are “working hard” to send federal aid out “as fast as possible.”

“Department of Treasury and the IRS are working hard to get relief payments out the door as fast as possible to the American people; people can expect to start seeing direct deposits hit their bank accounts as early as this weekend,” Psaki said last month. “And payments to eligible Americans will continue throughout the course of the next several weeks.”

Rachel Bucchino is a reporter at the National Interest. Her work has appeared in The Washington Post, U.S. News & World Report and The Hill.