Stimulus Money Going on 4 Million Prepaid Debit Cards – Do You Get One?

Written by Charlie

This week, the IRS started having 4 million stimulus debit cards sent out. Find out how to know if you will receive one and what to look for, as well as some details about the card.

Over 140 million Americans have received stimulus payments so far, most via direct deposit. Checks have started going out and even more will be going out next week. However, for 4 million recipients of stimulus money, this week the Treasury Department started sending out prepaid debit cards. It is just for a specific group of people – here is how to know if you will be getting one.

4 Million Debit Cards with Stimulus Money – Who Gets Them?

These prepaid debit cards are issued by Metabank and are used through the Visa network (so they can be used as payment anywhere Visa is accepted). They are in the mail even now and some people may have already received them. So, who gets them?

The people that will receive the debit cards fit BOTH of the following parameters

People Who Did Not Have Bank Information on 2018 or 2019 Tax Return

If you had owed money or had not had your bank account information on your 2018 and 2019 tax return (maybe you did for 2019 but it has not been processed yet), the time to give the IRS your bank information for direct deposit payments through the Get My Payment tool has passed for early recipients.

Instead, the prepaid debit cards will go out to the address that the IRS has on file for these recipients. These debit cards will be mailed out by Metabank on behalf of the Treasury Department so keep an eye on your mailbox for such an envelope! It “will arrive in a plain envelope from “Money Network Cardholder Services”.”

People Who Had Their Returns Processed By the Andover or Austin Processing Centers

For people to receive these debit cards, they also needed to have had their returns processed by the IRS processing centers in Andover, MA or Austin, TX. Those processing centers cover taxpayers in several states including Texas, Louisiana, Mississippi, as well as from foreign locations.

If you have had to send your returns to the processing centers in those locations and you do not have bank account information on file with the IRS, be looking for this prepaid debit card!

What Do I Need to Do with the Stimulus Debit Card?

Link: Stimulus Debit Card FAQ

When you receive it, there will be instructions with the debit card on how to activate it. Not only will you be able to activate it but you can also set up an account online so you can view your transactions and be able to check your balance quickly online for free.

What Does It Cost to Use the EIP Debit Card?

There are no fees to withdraw your cash from the card as long as the ATM is an in-network ATM. Out-of-network ATMs will charge a fee for the withdrawal.

To get your cash, simply enter your 4 digit pin and withdraw the money – that simple! Inside the packet you will receive, there will be information about daily limits and such so keep those limits in mind.

Here are the only other times you would have fees for using the card:

Hopefully, if you fit the profile for this, you will get your debit card soon! The IRS says that these will get to those recipients that it is for quicker than receiving a check so that is good news. Plus, you can withdraw money with it or use it for shopping.

Some of the links on Running with Miles are affiliate links that pay a commission if a purchase is made. Running with Miles is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to

About the author


Charlie has been an avid traveler and runner for many years. He has run in marathons around the world for less than it would cost to travel to the next town - all as a result of collecting and using miles and points. Over the years, he has flown hundreds of thousands of miles and collected millions of miles and points.
Now he uses this experience and knowledge to help others through Running with Miles.


  • I meet condition one (filed both years with no bank info – owed). I do not meet condition two. I had no luck with the web site to add bank info.

    I am on Social Security and that is direct deposit. I meet all conditions to get a stimulus payment.

    So should I expect a check, or a direct deposit? It’s seemed to be a grey area (at least for me).


    • I am also an SSI/SSDI recipient thru direct deposit. I do not file taxes. My check came at the end of May to my direct deposit. It seemed everyone else had gotten theirs. You don’t have to give them your account. The read I g said the check word get your direct deposit from SS. Hope this helps

  • Someone claim my kids on their taxes and they can’t file they both worked and have w2’s nor can they receive their stimulus check is it a way around this?

    • No, if they were claimed on the most recent tax return that this individual filed, you cannot do anything about it. So sorry.

  • Those who received SSA 1099 tax form claim as dependent will not get anything. What about college students who work part time job and have low income but never claimed as dependent?

  • I don’t have a bank account and I only get $200 a month playing piano for my church. I’m not drawing any ssi or retirement. My adult children help me with things that I need or sometimes want. My daughter filed a tax return and claimed me because she’s the one that helps me the most. Will I get a stimulus check?

  • I am a single parent , my son is 7 years old and child support took his 500.00 hundred dollars because I owe back money to child support that I have been paying for years. My question is, why did Child support take his 500.00 dollars. Don’t my son have the right to eat like and other child.

    • No i did not get anything or my brother we are well below the 40,000 dollars income