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Income tax refund debit cards

If you haven’t activated your 2016 New York State income tax refund debit card, Bank of America will be sending you a check for the refund amount. Please look for the check in the mail in the next few weeks.

If you have any questions, please contact Bank of America directly—toll free—at 1 888 373-2881 (TTY 1 866 656-5913).

How to use your refund debit card

You can use your refund debit card like you would any other debit card, and, in most instances, there's no charge for using the card to make cash withdrawals or purchases. (See Fee schedule for income tax refund debit cards for information about charges.)

With your debit card, you can make:

  • cash withdrawals in two ways:

    • as a bank withdrawal
      • There’s no fee for the first withdrawal from any bank that accepts Debit MasterCard (virtually all banks in New York State do).
      • You can choose to withdraw the entire amount on your debit card. 
      • There's a $1.00 fee for each later withdrawal from a bank.
    • as an ATM withdrawal
      • You’ll need to create a personal identification number (PIN) when you activate your card to make ATM withdrawals.
      • The amount that you can withdraw from an ATM depends on limits set by the ATM owner. 
      • There's no fee for in-network withdrawals, which includes withdrawals from a Bank of America or Allpoint ATM.
      • There’s a $1.00 fee—which Bank of American will charge you—for out-of-network withdrawals, which includes withdrawals from any ATM not owned by Bank of America or the Allpoint network.
      • There’s an additional fee the ATM owner will charge if the ATM is out-of-network.
  • purchases anywhere Debit MasterCard is accepted and with the option of getting cash back.
    • This includes purchases with online merchants, purchases at retail stores, and purchases made over the phone.
    • You can request additional cash back from the merchant when making PIN purchases.
    • There’s no fee or surcharge for making these point of sale purchases (including the cash back option).
  • bill payments, online, in person, or over the phone.
  • ACH transfers of funds
    • You can make Automated Clearing House (ACH) transfers to another account. The following restrictions apply:
      • minimum transfer amount of $20
      • maximum transfer amount of $7,000 per day; $10,000 within a seven-day period

 How to close out your debit card account

You can close out your debit card account in the following ways:

  • determine the debit card’s balance and use the card to make a purchase in the amount of the balance;
  • use the debit card to partially pay for a transaction, then use other means to pay for the rest of the transaction; or
  • make a final withdrawal from a bank (a fee may apply).
    • Note: Most ATMs dispense money in the form of $20 bills. If the balance on your card falls below that amount, you won't be able to use an ATM to get the last few dollars off your card.

How to replace a lost or stolen card

Bank of America is no longer issuing replacement debit cards. If your card is lost or stolen, contact Bank of America at 1 888-373-2881 to receive a check for the balance of your account.

If the post office was unable to deliver your debit card after it was issued, it was returned to Bank of America and the bank notified us. You can contact Bank of America at 1 888-373-2881 to receive a check for the balance of your account.

If you moved and never received your tax refund debit card after it was issued, contact the Tax Department and we'll have the bank send you a check.

What to do if your card expires

You have one year from the time the card is issued to activate it. Once the card is activated, you:

  • have 18 months to spend or withdraw the balance;
  • do not have to maintain a minimum balance;
  • do not have to use the card periodically in order for it to remain active; and
  • will not incur fees for not using the card.

If you:

  • do not activate your card within one year from its issue date, the bank will close the account and send you a check for the amount of your refund.
  • have a balance on your card when it expires, contact Bank of America at 1 888-373-2881 to receive the balance in the form of a check.