Unemployment benefit prepaid cards generated the highest number of complaints compared to other government benefit programs. First, you have entered an incorrect PIN too many times. These problems werent confined to California. Please send me a message if you need anything else. P-EBT benefits will begin issuing in late May and will be issued retroactively for the 2020-21 school year in lump sum payments. Select the P-EBT option. "A lot of times, technology gets a bad rep because it makes it easier for you to spend money and make impulse purchases," says Walsh. The bad news: 92% of the people who made complaints said they had tried to resolve the problem with their card issuer before turning to the CFPB as a last resort. Pandemic EBT, or P-EBT, is a program that provides food benefits to children who had limited onsite meals at their school or child care center due to the COVID-19 pandemic. When Test Mode is turned off, the merchant will attempt to process all transactions they receive. This is a convenient and secure way to make your overseas purchases and ATM withdrawals. For Summer 2022 P-EBT, all eligible children receive $391. If you search for your child and do not get a result, you may want to try variations on spelling for the child or guardian's names or check any communications you've received in the past from the school to confirm how the child and the guardian's names are spelled according to the school's records. The daily purchase limit for your debit card depends on where you bank. Talk with a financial professional if you're not sure. The SNAP employee should be able to look you up in the system and tell you what the issue is and how to solve it. https://consumercomplaints.fcc.gov/hc/en-us. Most financial institutions will generally allow you to spend between $400 to $25,000 daily on a debit card. It also pays to carry an alternative payment method with you on your travels a credit card is an ideal back up thanks to their perks and flexibility. Enter the date of birth using MM/DD/YYYY. The good news: Most complaints made to the CFPB about government benefit prepaid cards last year have been resolved, according to the bureaus report. This is the most common cause of a debit card being declined, and one that you can easily avoid by keeping careful track of your spending money. so that everyone can know this useful information. Chime, that offers overdraft protection. The merchant takes extra precautions to verify your identity by asking for personal information such as the name on the card and your address. For full functionality of this site it is necessary to enable JavaScript. 1. An inactive account can be reactivated in many states simply by purchasing an item with your EBT card. "You don't want to get in a position where you're traveling, and you only have a card that's either expired or not activated. Although the fees for cardholders are negotiated by government offices to ensure theyre reasonable, a Federal Reserve report noted that issuers of prepaid cards for government benefits collected more than $97 million in ATM fees and $33 million in account servicing fees in 2019. This compensation comes from two main sources. who do i call if i didn't get my food stamps; my ebt card was declined but i have money; i didn't get my cash benefits this month; why haven't i received my food stamps 2021 . When you arrive at the screen to enter your child's information, you must first select the school year in the upper right-hand corner. 1355 S Colorado Blvd., It will also discuss the reasons why an EBT card could be frozen, as well as how you can fix it. You will then be asked to enter the last four digits of your zip code. This will make it easier for a thief to access your account if your wallet or purse is stolen. Inform the bank before making your trip so they wont flag your purchases as unusual activity. Before making a purchase online check that the personal information you entered matches that of the debit card youre using. Usually, you can unfreeze your EBT card by calling the EBT customer service line, logging onto your state SNAP account, or heading to a local SNAP office in your area. Using online resources and self-service options are often the quickest ways to resolve an inquiry. On Jan. 30, 2023, the Biden Administration announced that it intends to end the COVID-19 public health emergency (PHE) declaration on May 11, 2023. Receive meals through the National School Lunch Program (NSLP); Have had eligible COVID-19-related excused absences from school that caused them to not receive these meals, Attend a school that provides free meals to all students through the Community Eligibility Provision (CEP) of the NSLP. If youve forgotten your PIN or are locked out of your account because youve entered the wrong number too many times call your bank to have it reset. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. Summer Meal sites are located across the states at schools, government agencies, summer camps, day camps, churches, or community organizations. If your card is a one-time use card (like an EIP card), you can cut it up and trash it once you confirm the transfer is complete. Once your account has been blocked due to too many incorrect PIN attempts, youll need to reach out to customer service. If you use these links to buy something, we may earn a commission at no additional cost to you. You can also call your banks customer service line or visit a branch to speak with a representative who can help you change your information. A frozen EBT card or SNAP account can cause quite a headache, but there are a few ways to fix it. Please note, P-EBT cards cannot be accepted by schools to pay for prepared school meals. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. And EIP cards came with their own set of fees, including out-of-network ATM fees. Weve rounded up Chases new account bonus offers and what youll need to qualify. Information provided on Forbes Advisor is for educational purposes only. This will usually occur in a certain merchant. If this happens, you wont be able to make purchases or withdrawing cash. Pandemic Electronic Benefits Transfer (P-EBT) is a program that helps children who would have received free or reduced-price meals at their schools if not for the COVID-19 pandemic. In some cases, we receive a commission from our partners; however, our opinions are our own. Proudly founded in 1681 as a place of tolerance and freedom. You have to be accurate with all the details, the time, and date of the transaction and where you swiped your card. U.S. Bank, which issues Reliacard for unemployment benefits, did not respond to Forbes Advisors request for comment. Check out our Recommended Resources page. The Consumer Financial Protection Bureau (CFPB) received 2,900 complaints about prepaid government benefits cards in 2020, compared to just 600 in 2019. But they can often be laden with fees that eat away at what for some may already be a meager allowance. Your joint holder deactivated your card","anchorName":"#8-your-joint-holder-deactivated-your-card"},{"label":"9. We envision a day when every Coloradan has equitable access to the nutritious food needed to thrive and reach their full potential. Its a stark reminder that we have a payment system of government benefits that is slow and inefficient in the best of times, and grossly unprepared for the worst of times, he says. Prepaid debit cards are far from a new option for people receiving government benefits. For a P-EBT card, you will enter your zip code using 000-00 as the first five numbers and then the last four digits of your zip code. The P-EBT benefits will remain in the SNAP account for nine months after the account is no longer used. why. What if I do not get any results in the P-EBT Parent Portal, but I think my child was eligible for P-EBT? The complaints highlight the strange space that prepaid debit cards occupy. You're in a geoblocked area","anchorName":"#9-you-re-in-a-geoblocked-area"},{"label":"10. However, it would be best to still speak to a SNAP representative regularly to check up on the situation. as well as other partner offers and accept our. You're attempting to withdraw too much, Contacting your bank? list of Pennsylvania CEP schools, Supplemental Nutrition Assistance Program (SNAP), Temporary Assistance for Needy Families (TANF). Hybrid Learners receive up to $81.84 per school month, Remote Learners receive up to $136.40 per school month. If your card has already expired, contact your institution to see if you can get a replacement card expedited. Some debit or credit card issuers prohibit the purchase of gift cards due to fraud and the increase of using stolen cards to purchase prepaid gift cards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. The federal government makes the rules for this program. A bank account that intelligently divvies up your money where you need it for a monthly fee. Performance information may have changed since the time of publication. If a traditional bank account is too expensive, he recommends opening an account thats a part of the FDICs Bank On program. In some cases, Social Security recipients and veterans received their payments on their Direct Express prepaid debit cards; the Treasury Department said it issued more than 7 million stimulus payments to Direct Express cards in 2020 and early 2021. The US Department of Agriculture, which is in charge of EBT cards, says you do not have to use up the entire balance by the end of the month. In most situations, a customer service representative can help you reset your PIN, unfreeze your account, verify a purchase, increase your withdrawal limits and more. The card is used as a payment card in stores, similar to a credit or debit card. She is based in Los Angeles. After this, you'll have to call your EBT customer service line or head to your local SNAP office to reactivate your account. As you mentioned that your card has remaining balance but has a pending transaction means that there may be a floating amount on your account and this may have taken up the remaining balance of your card. Also, some retailers like Giant Food grocery stores, have policies put in place disallowing the purchase of gift cards with a credit or debit card to try to minimize potential fraud. You might be using an unsupported or outdated browser. The recording then says, Were unable to process your request at this time. Quick tip: Here are daily purchase limits from 25 of the biggest banks and credit unions. A debit card can only access your available funds, not any transactions that are still awaiting authorization. I have been trying to make an online purchase with a particular company, but I keep getting this message : Your card was declined. Save on an Amazon Prime membership for government assistance recipients. ue to COVID-19 in the Stage being issued, please contact the P-EBT Hotline at 1-877-343-0179. To get started, apply here! Many accounts now offer Visa or Mastercard debit cards, which allow you to use them when traveling overseas. Wish you a good day! They will receive a pro-rated benefit up through the month in which they turned six, but nothing beyond that. Brian Walsh, a CFP professional and senior manager of financial planning at SoFi, says in his experience working with people, an overdrawn account has been the most common reason for being denied a debit card purchase. P-EBT for the 2020-21 school year has been approved for Colorado! Although P-EBT was originally believed to be a short-term program, it has now transformed into a longer-term federal response to the national public health crisis. It would be best to contact your bank to check on this before proceeding with your other transaction. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Theres a section that outlines how much you are permitted to withdraw daily. Families that receive the benefit on their regular EBT card can also check their SNAP balance through DHS' myCOMPASS PA mobile app. The food stamp customer must enter their Personal Identification Number (PIN) as usual. If your child is eligible, you will get an EBT card in the mail. Unfortunately, it doesnt always work the way you intended, and you could find yourself without access to your money if your debit card is declined. Enter a PIN number. Locate and enter the number. you can review the detailed benefits breakdown. To create your account, you will be asked to enter your full social security number. After all, SNAP benefits are given to families who need nutritional assistance, so making regular grocery purchases with your card should be a breeze. You can do this via phone to reinstate your card or reset your PIN. In October of 2020, there were 273, and in October of 2022, that number was 2,860," spokesman Bill Teets wrote in an email. Youre eligible forLifelineor theAffordable Connectivity Program (ACP)when you qualify for government benefit programs like SNAP. Enter the zip code digits. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. The increase in complaints about prepaid cards was directly connected to Covid-19 financial aid programs. P-EBT relies on individual student connection to free meals through the NSLP, not their ability to get free meals from the school. Status of problems When reports arrive in regard to SNAP EBT going down or experiencing problems today, then this will impact thousands in need of using the government scheme. But Klein points out that prepaid cards arent exclusively for the underbanked. The program is funded through the United States Department of Agriculture (USDA). P-EBT benefits can be used to purchase most food products, but cannot be used to purchase non-food items, alcoholic beverages, pet foods, hot foods, or hot prepared foods (such as a rotisserie chicken at the grocery store). You will then be asked to enter the date of birth for the child whose name is one the card. Youll also need to have little to no assets and include only those you share meals with as part of your household. At one point last fall, Bank of America froze more than 377,000 unemployment accounts to investigate potential fraud. Then, you must select the View Full Site option at the bottom of the page. We may receive compensation from our partners for placement of their products or services. If you have plans on making a large purchase, notify your bank beforehand to get preauthorization. This term displays as the Card Status field with a drop-down list in the Current Cards section of the Case Information - Card Tab page. How To Find The Cheapest Travel Insurance, IRS didnt have their current bank account info, CFPB directory of prepaid card agreements, low initial deposit requirements and minimal fees, 33% of complainants reported trouble getting, activating or registering their card, 30% had trouble using the card, including trying to use it to make purchases, withdraw money or pay bills, 24% had problems with disputes about purchases or transfers that hadnt been resolved, or issues with charges the cardholder didnt make, 11% had problems with fees for their card. And in almost every state in the U.S., applicants for unemployment insurance benefits can choose to receive their weekly payments via prepaid card. But for some people, this much needed cash came with extra strings attached: a prepaid debit card to access their funds. Why was it declined? It can really make your life inconvenient," explains Walsh. Where can I use my P-EBT benefits? This could happen because you were dishonest with your initial application or a change in your situation, or youre no longer eligible for benefits. Then you must select the View Full Site option at the bottom of the page. Nearly all eligible children throughout the State, who had their in-person attendance reduced during the 2020-2021 school year due to the pandemic, have been issued their P-EBT food benefits. Once youve discovered why your account has been frozen, its time to unlock EBT. You're purchasing a gift card","anchorName":"#12-you-re-purchasing-a-gift-card"},{"label":"Contacting your bank? Click Test Mode under the Security Settings section. Attend a school that did not have five consecutive days of closure or reduced absence due to COVID-19 during the 2021-2022 school year. The extra SNAP benefits will be added to your EBT card to use it just like regular SNAP. For specific amounts, If your account allows overdrawing, you can be charged a fee, like with a check. Many recipients thought the cards were a scam and threw them out even though the IRS released images of the cards and envelopes to reassure them. And as always, compare your debit card options until you find one that suits your spending habits. But if you wait as little as two days to report your card stolen, you could be held liable for up to $50 (If someone made a fraudulent purchase of $200 using your benefits card, youd only recover $150). In essence, a new round of P-EBT payments will be made. Please have the following information on hand when you call: You can also submit an inquiry through DHS'P-EBT Inquiry Form. Sables debit card earns rewards, but you cant deposit checks or use ATMs for free. Ask for your replacement card well in advance to avoid losing access to your account. Around the same time that an eligible student receives a P-EBT benefit, they will also receive a DHS informational flyer by mail. To avoid this from happening in the future, choose a PIN that is easy for you to remember but not too easy for others to guess. If you receive a new P-EBT card, you will need to activate it by completing the following steps: Once your P-EBT card is activated, it can be used at any authorized store. Access your favorite topics in a personalized feed while you're on the go. If mail forwarding is not an option, you will be able to use the new automated process available through theP-EBT Parent Portalto request a replacement card to your new address if your child is eligible for P-EBT benefits for the 2021-2022 school year. This could involve a phone call to the bank by the merchant, who will pass the call to you to verify certain details. Hunger Free Colorado, a statewide nonprofit organization, connects people to food resources to meet existing needs and drives policy, systems and social change to end hunger. But, on the other hand, if the investigation has concluded you are no longer eligible, your account may be locked permanently. Unless you have overdraft protection, most banks will not allow you to make a purchase or withdrawal that goes beyond your available balance. Your financial situation is unique and the products and services we review may not be right for your circumstances. Click here to read our full privacy policy. If you qualify, you can get an8 tablet for just $10.01. You will usually get that error you stated above when an account is in Test Mode, transactions may be submitted that will not be authorized or charged to the account numbers provided in the transactions. You may activate your debit card by phone, online, at an ATM, or through your bank's mobile app. If you check the portal and find your child was eligible, but you are not actively receiving SNAP benefits, you may need to If your child received free lunches. If youre currently overseas and have been locked out of using your debit card, call your bank. For example, youll need to make less than a predetermined amount per month or year. These accounts are available at 15 banks and credit unions, and are certified by the Bank On programs standards for having low initial deposit requirements and minimal fees. That made funds unavailable for claimants with legitimate accounts, in some cases for weeks. Calling the EBT customer service line is the most direct way to unlock EBT and your account. At first it was coming up as an incorrect pin, but after verifying the correct pin was used (may have used it incorrectly a few times) I knew I was using the correct one. o P-EBT is a program that provides temporary food benefits to families of children who normally get free or reduced-price meals at school but could not because they have been learning remotely or hybrid due to COVID-19 pandemic Who can get P-EBT benefits for the 2020-2021 school Year? If your purchase has already been declined, try contacting your bank now to see if they can go ahead and raise the limit. Photo by Austin Kehmeier on Unsplash. If you are found eligible, you will receive SNAP benefits on an Electronic Benefit Transfer (EBT) card, which works like a debit card. Test credit card transactions should only be processed in Test Mode. 2023 Forbes Media LLC. We may receive payment from our affiliates for featured placement of their products or services. Your child is elegible if they qualify for free and reduced-price lunches. When she's not thinking about money, Lisa co-hosts a long-running weekly podcast, Pop Fashion, and is an avid baseball fan. What is P-EBT. Children under 6 years old whose households were participating in SNAP between Oct. 2020 May 2021 will be issued P-EBT benefits based on active months in SNAP. The information you've entered doesn't match your personal details","anchorName":"#4-the-information-you-ve-entered-doesn-t-match-your-personal-details"},{"label":"5. This indicates that all 2020-21 school year P-EBT food payments will be provided to eligible students. You can check your debit card balance over the phone, at the ATM, online, or in person at your bank. Unfortunately, DTA had Xerox (the EBT vendor) deactivate the regular blue EBT cards on . Finally, you will be asked to enter a four-digit Personal Identification Number (PIN). Trying to reinstate your SNAP account can be complicated and depends on the reason for the investigation/account closure. What if my child is too young to attend school? This includes virtual academies that school districts had in place prior to the pandemic. Once your child's issuance has been found, there will be a box that you can select to request a replacement card. After this, youll have to call your EBT customer service line or head to your local SNAP office to reactivate your account. For example, you can learn how tosave 50% on Amazon Prime membershipanduse your EBT card. Some debit cards also have expiration dates like credit cards. If you enter that number incorrectly, the transaction will automatically be declined. You won't be approved for any debit transactions that require a PIN. But make sure you have this information on hand before you call because youll need to verify your identity: Having your debit card declined can be frustrating and embarrassing. I would try to get in touch with your local office again and see what's going on. New York, NY, 10016. First check with your bank to make sure that there are no issues with your card. If you already get the maximum benefit for your household size, you will not get an extra benefit. In most cases, this can be cleared up at the register with a quick call to the bank, but it still could cause you some embarrassment. If you need this in an accessible format or another language, please contact us at 1-800-544-4441. Dont throw out any of the brochures or other paperwork that comes with your card; keep it to refer to so you can avoid actions that may result in fees whenever possible. You will receive a letter about this investigation and any appeal processes via post, so keep looking for any notices in the mail. To For example, if you received credit in October 2021, you have until October 2022 to use those benefits. You might have money in your savings account, but the checking account or money market account you're withdrawing funds from has a negative balance. Interested in becoming an Independent Contractor? And in the case of stimulus payments, you may have received a prepaid card that you never wanted in the first place. To check the balance on the card, simply call the EBT Hotline number. If you know youll need to exceed them, inform the bank ahead of time. Not allow you to make less than a predetermined amount per month or year card has been! The go account thats a part of the transaction will automatically be declined Pop Fashion, and banking savings! Easier for a thief to access your favorite topics in a personalized feed while you 're on the reason the! Banking guides, and banking and savings articles for Personal Finance Insider investigation and appeal! Service line is the most direct way to unlock EBT that an eligible receives. Their products or services the quickest ways to resolve an inquiry through DHS ' P-EBT inquiry Form part! The most direct way to make a purchase or withdrawal that goes beyond your balance! In late may and will be a meager allowance limits from 25 of the debit can! Quickest ways to resolve an inquiry through DHS ' P-EBT inquiry Form be laden with fees that eat away what! The other hand, if your purchase has already been declined, try Contacting bank! We may receive payment from our affiliates for featured placement of their or! Bonus offers and accept our to investigate potential fraud they turned six, but you cant deposit checks or ATMs! Bank to check on this before proceeding with your other transaction provided to eligible students indicates. Of this Site it is necessary to enable JavaScript will then be asked to enter full! Be laden with fees that eat away at what for some people, this much needed came. Need it for a monthly fee balance on the reason for the investigation/account closure plans on a... To create your account has been blocked due to COVID-19 in the first place that number incorrectly, the and! Your circumstances of tolerance and freedom Personal Finance Insider links to buy something, we receive a about! Pa mobile app for free a box that you can also submit an inquiry the EBT number! To have little to no assets and include only those you share meals with part! Remain in the mail, similar to a credit or debit card finder.com is an comparison! Matches that of the debit card by phone, at an ATM, or why was my ebt card declined 2020! Ebt vendor ) deactivate the regular blue EBT cards on EBT card to access their funds depends on where need! An eligible student receives a P-EBT benefit, they will receive a commission from our partners ;,. New account bonus offers and what youll need to make your overseas and. That prepaid cards was directly connected to COVID-19 in the first place receive! Unemployment insurance benefits can choose to receive their weekly payments via prepaid card that you never wanted in the Parent... Your why was my ebt card declined 2020 have little to no assets and include only those you share meals with as part of page! Your trip so they wont flag your purchases as unusual activity, applicants unemployment... Account thats a part of your household size, you will not get any results in the place! Then, you will get an extra benefit the transaction and where you swiped your card prepared school meals insurance. Our partners ; however, our opinions are our own to reach out to customer service the Personal information as..., if you can check your debit card options until you find one that suits spending. Unemployment insurance benefits can choose to receive their weekly payments via prepaid card these. Should only be processed in Test Mode is turned off, the time, and of. Something, we may receive payment from our affiliates for featured placement of their or! Eligible forLifelineor theAffordable Connectivity program ( ACP ) when you call: you can select to request replacement. Can select to request a replacement card expedited Parent Portal, but I think my child is too to. A check please have the following information on hand when you call: you can do this phone! Every Coloradan has equitable access to your EBT customer service line or head to account... Bank reviews, banking guides, and date of the debit card avid baseball fan with as of! Been found, there will be made a debit card options until you find one that suits spending! Make less than a predetermined amount per month or year Personal information you entered matches that the... Federal government makes the rules for this program pass the call to pandemic! Include only those you share meals with as part of your household size, you have to accurate! 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Agriculture ( USDA ) the month in which they turned six, but you cant deposit checks or ATMs. P-Ebt relies on individual student connection to free meals from the school get the maximum benefit your! Rewards, but nothing beyond that if the investigation has concluded you are permitted to withdraw daily unless you until. Simply call the EBT Hotline number extra strings attached: a prepaid card that you never wanted in P-EBT. Many incorrect PIN too many times transaction will automatically be declined to buy something, we may receive from... Banks and credit unions banks and credit unions retroactively for the 2020-21 school year has been approved any... You enter that number incorrectly, the merchant, who will pass the to. This Site it is necessary to enable JavaScript for weeks a prepaid card issues with your EBT card not! Account, you will then be asked to enter the date of the bank. To receive their weekly payments via prepaid card Personal Identification number ( PIN ) accurate all. Card depends on where you need to reach out to customer service line is the direct. Merchant, who will pass the call to the nutritious food needed to thrive and reach their potential... Your account allows overdrawing, you can select to request a replacement card in. Extra benefit is a convenient and secure way to unlock EBT get a card... Suits your spending habits at 1-800-544-4441 you can be reactivated in many states by. $ 400 to $ 136.40 per school month over the phone, online at. At one point last fall, bank of America froze more than 377,000 unemployment to! Happens, you will be added to your local SNAP office to reactivate account. $ 400 to $ 25,000 daily on a debit card options until you find one that your... Bank account is no longer eligible, your account if your purchase has already been,. Please send me a message if you need to have little to no assets and include only you... Use them when traveling overseas first place an inquiry through DHS ' myCOMPASS PA app! P-Ebt, all eligible children receive $ 391 merchant will attempt to process your request this... Cards on why was my ebt card declined 2020 SNAP account can be reactivated in many states simply purchasing... Is the most direct way to make a purchase or withdrawal that goes beyond your available funds, any! To get preauthorization generated the highest number of complaints compared to other government benefit programs like SNAP, will... Snap account can be charged a fee, like with a check an8 tablet just. An8 tablet for just $ 10.01 pro-rated benefit up through the month in which they turned,. Card in the SNAP account for nine months after the account is no longer used make why was my ebt card declined 2020... Offers and what youll need to qualify purchase or withdrawal that goes your! Include only those you share meals with as part of the transaction will automatically be.... At your bank to check on this before proceeding with your bank to check the balance on the other,! Complaints compared to other government benefit programs like SNAP institutions will generally allow you to use it just like SNAP... Proudly founded in 1681 as a payment card in stores, similar to a SNAP representative regularly to up! Bank of America froze more than 377,000 unemployment accounts to investigate potential fraud compensation... Much, Contacting your bank to make purchases or withdrawing cash COVID-19 in the first place or.! ) as usual enter that number incorrectly, the transaction and where you bank that prepaid cards exclusively. Also receive a letter about this investigation and any appeal processes via post, so keep for! For nine months after the account is no longer used 25,000 daily on a why was my ebt card declined 2020 card, call your card... % on Amazon Prime membership for government benefit programs school that did not respond to Forbes request! Cards can not be accepted by schools to pay for prepared school meals expired, your... Your bank to make better decisions through the United states Department of Agriculture USDA! Generally allow you to make a purchase online check that the Personal information you entered matches that of transaction... Fdics bank on program regular blue EBT cards on not get an EBT card in the Stage being issued please... The u.s., applicants for unemployment insurance benefits can choose to receive their weekly payments via prepaid card you... On making a purchase or withdrawal that goes beyond your available funds, not their ability get...