The ReliaCard is a reloadable, prepaid debit card issued by U.S. Bank. The ReliaCard provides an electronic option for receiving your government agency payments. It is not a credit card, but works similarly to other debit cards.
Once funds are added to the card account, it can be used to make purchases, pay bills, and make online, phone or mail-order purchases. You can also get cash back with purchases at participating merchants or withdraw cash at ATMs, banks or credit unions. The amounts of purchases, bill payments or cash withdrawals are automatically deducted from the available balance on the card.
No. Future payments will be deposited automatically onto the initial card.
You must call Cardholder Services at 855-282-6161 or visit www.usbankreliacard.com to activate the card and choose your Personal Identification Number (PIN). You cannot use the card until it has been activated. Be sure to sign your name on the back of your card in ink. Your card is not valid unless it’s signed. Note: we accept relay calls.
The card comes with:
For security reasons, the card will arrive in a plain, white, window envelope.
The card works much like other prepaid or debit cards. You can use it online, over the phone, at grocery stores, retail stores, restaurants, medical offices, etc. It is important to know your account balance before making purchases.
Select “Credit” or “Debit” to make a purchase. Select “Debit” to get ‘cash back’ with your purchase. (You will have to enter your PIN.)
Some merchants where you typically tip may authorize your transaction for an amount greater than your purchase to cover tips. Make sure your balance can cover the 20% or your transaction will be declined. When purchasing gasoline at a gas station, pay inside with the cashier to avoid a hold greater than the amount of your purchase (some ReliaCard programs may not allow you to pay with your card using the pay-at-the-pump option). The funds held will not be available for other purchases until the actual transaction amount clears. Payments made inside clear for the actual transaction amount immediately. Check your program materials for additional details.
If your program allows Card-to-Account Transfers, click on the “Transferring Funds” link on the left side of cardholder website and complete the required fields on the Card to Bank Transfer page. The transfer will appear as an ACH withdrawal on your card transaction history and monthly statement. In addition, if a fee is assessed in relation to this transfer, the description of the fee in your transaction history and monthly statement will appear as a separate ACH withdrawal transaction. For more information about this fee, please see the Fee Schedule included in your card packet, log into your account at www.usbankreliacard.com, or call Customer Service at 855-282-6161.
You must know your available balance (the teller will not have access to this information) and ask for a cash withdrawal5 in the amount you wish to withdrawal. Note: you may need to provide your driver’s license to verify your identity.
No. You can get cash back with purchases at merchants throughout the United States such as grocery and convenience stores. Cash can also be obtained from any ATM5 or over the counter at any Visa bank or credit union. To find the ATM nearest you, visit www.usbank.com/locate or www.moneypass.com.
Yes & No. The card can be used to make signature-based purchases without a PIN. However, a PIN must be used for PIN-based purchases and for cash withdrawals at ATMs. You must choose your own PIN by calling the Cardholder Services at 855-282-6161 or visiting www.usbankreliacard.com after you receive your card. For security reasons it is important that you pick a PIN that only you would know, and not share the PIN or the card with anyone.
You must contact Cardholder Services at 855-282-6161 or visit www.usbankreliacard.com to reset your PIN.
Yes. You can go to any Visa® bank or credit union and ask the teller for a cash withdrawal5.
You have the option of signing up for optional text or email alerts3 when money is added or your card balance gets low at www.usbankreliacard.com. You can also use our two-way text alert feature by texting a short code to receive the following updates:
|Balance Alert||Text BAL to 90831|
|Recent Transactions||Text TRANS to 90831|
|Customer Service Number||Text HELP to 90831|
NOTE: this feature may not be available for all programs. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check your program materials for additional details.
Yes. You can use the ReliaCard Mobile Banking app to check your account balance, enroll in and manage text alerts, view your most recent transactions or search for the nearest in-network ATM location. Search for “U.S. Bank ReliaCard” in the App Store or Google Play4.
Yes. You can visit your billers’ websites and provide your 16-digit card number and expiration date or log on to www.usbankreliacard.com. NOTE: this feature may not be available for all programs. Some fees may apply. Check your program materials for additional details.
Some features may not be available for some ReliaCard or ReliaCard II programs. Refer to your cardholder agreement for available program features.
If you need to make a purchase for more than the amount you have on your card, you will need to use two forms of payment. Tell the cashier how much you want taken from the balance on your card — the cashier cannot determine your available balance. Then, pay the remaining balance with cash, check, credit card or check card.
Usually a purchase that exceeds the available balance will not be approved. In very limited circumstances, if you do not have sufficient funds when the final amount clears, it may result in a negative balance; however you will not be charged an overdraft fee. You can check your balance online, using the ReliaCard Mobile App or by calling Cardholder Services 24/7.
The agency that funds your card has access to the amount and date of each deposit. For the ReliaCard program, the agency does not have access to your card number or cardholder initiated transactions. For the ReliaCard II program, the agency has access to your card number and cardholder initiated transactions.
Fees are located on the Fee Schedule sent to you with your card. You may view your fee schedule online by logging into your account at www.usbankreliacard.com. You may also call Cardholder Services at 855-282-6161 to request fee information. Please consult the table below for information on how to avoid fees on certain transactions for most ReliaCard programs. Please consult your program fee schedule to determine if a specific fee applies.
|Fee Description||How to Avoid|
|ATM Balance Inquiries
You can check your balance for free using any or all of the following methods:
|Monthly Paper Statement
|View your monthly statements for free online at www.usbankreliacard.com. To opt out of paper statements, call the number listed on the back of your card.|
*Out-of-Network ATMs means any ATM that is not a U.S. Bank or MoneyPass ATM.
Yes, at www.usbankreliacard.com. The following functions can be performed online:
Monthly statements can be viewed online 24/7 at www.usbankreliacard.com.
Contact Cardholder Services at 855-282-6161 to report an address change. Also contact your government agency to report an address change so that your mail may also be sent to the correct address.
For questions about your deposit, such as when you will receive the next deposit to the card, or the amount of a deposit to the card, contact your government agency. For all other questions about the card, you may log into your account at www.usbankreliacard.com or contact Cardholder Services 24 hours a day, toll-free at 855-282-6161.
You must immediately call Cardholder Services at 855-282-6161 to report your lost/stolen card and have a replacement card sent to you within 5-7 business days. You may not be responsible for any fraudulent activity that occurs on your card provided that you report the card missing in a timely manner, and have not shared your card or PIN number with anyone.
No. You must direct all ReliaCard questions to Cardholder Services at 855-282-6161, or utilize the web site, www.usbankreliacard.com, for inquiries.
The following can be done through customer service:
Note: we accept relay calls
No. The ReliaCard II program does not allow online access.
1 Successful identity verification required. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. If necessary, we may also ask to see your driver’s license or other identifying documents.
2 Visa’s Zero Liability Policy protects you against unauthorized transactions processed by Visa. You must notify U.S. Bank immediately of any unauthorized use. Other conditions may apply. See your Cardholder Agreement for details
3 Standard messaging charges apply through your mobile carrier and message frequency depends on account settings
4 The U.S. Bank ReliaCard Mobile App is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use Mobile App. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during their use.
5 Some fees may apply. Login to your account online or contact Cardholder Services for a full list of fees.