Refund Debit Card

Debit Card Image

The refund debit card provides an easy way to receive your Missouri refund and avoid check cashing fees.

The amount of your refund is determined by the Missouri Individual Income Tax Return or Property Tax Credit Claim you submitted to the Missouri Department of Revenue.

Married taxpayers filing a joint return will each receive separate cards. Each card must be activated separately. Once activated, each card may access the full refund amount.


Why should I choose to receive my refund on a debit card?

The refund debit card is convenient and safe. There are many benefits of receiving your refund on a debit card such as:

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How do I receive my refund on a debit card?

A refund debit card is an option whether you file electronically or file a paper return.

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How can I use my refund debit card free of charge?

You can use your refund debit card, for free, almost anywhere Visa is accepted:

The Chase cardholder website at www.ucard.chase.com allows you to locate an ATM, view statements, pay bills, and transfer funds from your refund debit card to your personal checking or savings account.

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Is my refund debit card ready to use when I receive it?

No. Your card must be activated prior to use. To activate your refund debit card, you must call Chase Customer Service at 1-866-444-0463 or log on to www.ucard.chase.com. When activating your card, have your card in front of you. You will be prompted to enter basic identifying information. Once your card is activated, you will create your own personal identification number and can begin using your card.

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How will I know the available dollar amount on my refund debit card?

You can check your refund debit card balance by:

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Is it possible that the amount on my refund debit card may not be the same amount as the refund shown on my Missouri Individual Income Tax Return or Property Tax Credit Claim?

Yes. There are a number of reasons why the amount on your refund debit card may be different from the refund amount shown on your Missouri Individual Income Tax Return or Property Tax Credit Claim. Some reasons may include:

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Can I purchase fuel with my refund debit card?

Yes. However, you will not be able to use the "pay at the pump" feature. To purchase fuel, you must complete the transaction inside the store location.

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How do I use my refund debit card to get cash at an ATM?

Your refund debit card must be activated prior to using an ATM.

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What is an "ATM decline"?

An "ATM decline" occurs when you attempt to withdraw more money than is available on your refund debit card.

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If I am married and filed a joint return, will my spouse and I each receive a refund debit card?

Yes. Married taxpayers filing a joint return will each receive separate cards. Each card must be activated separately. Once activated, each card may access the full refund amount.

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What do I do if the amount remaining on my refund debit card is not sufficient to make a purchase at a retail location?

Many stores support split-tender transactions that allow you to pay for part of the purchase with the balance on your card, and pay for the remainder by another means such as cash or credit card. If the store supports this, you will need to provide them with the exact amount to debit from your refund debit card, and pay for the balance of the purchase by another means.

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How do I close my refund debit card account?

You can close your refund debit card account by bringing the account balance to zero. This may be done several ways, such as:

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How do I make a bank teller-assisted cash withdrawal from my refund debit card?

You will need to have your activated refund debit card and know the current balance on your card. Visit any bank or credit union that accepts Visa and request a “cash advance” from the teller for the available amount. Most banks require some form of ID to prove you are the owner of the card.

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If I don't want a refund debit card, do I have another option?

Yes. You can elect to have your refund direct deposited into your personal savings or checking account by electronically filing your return or using the Department's fill-in 2-D barcode forms, or you may receive a paper refund check.

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What if I enter the wrong personal identification number or forget my personal identification number?

You should call Chase Customer Service at 1-866-444-0463.

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Are there fees imposed when I use my refund debit card?

Please refer to the chart below (or the card carrier and brochure that accompanied your refund debit card).

CARDHOLDER FEES
Point of Sale Transactions:
Purchase Free
Decline Free
Purchase with cash back Free
ATM Transactions:
ATM Inquiries Free
ATM Cash Withdrawals (Daily limit $800)

Unlimited free transactions at MoneyPass, UMB, and Chase ATMs; 1 free transaction at other ATMs, then $1.50 per transaction (additional fees may apply)

Purchase with cash back Free
Operator Assisted Fees:
Balance Inquiry Free
Account Research Not available – self service is available on cardholder website
Stop Payment Not Available
Over the Counter Cash Withdrawals Free
Card Replacement (Lost/Stolen/Fraud) – standard mail 1 free, then $5.00 each
Card Replacement (Lost/Stolen/Fraud) – Expedited $15.00 each
Statements:
Online Statement Free
Paper Statement Free, provided upon request only
Additional Fees:
Account Transfer through cardholder website Free
Online Bill Pay through cardholder website Free
International Transactions 3% of purchase
Account Alerts Free
Maintenance Fees:
Maintenance/Service Free
Account Setup Free
Account Termination Free
Inactivity Fee $15.00 or balance of account, whichever is less (after 18 months).   A one-time inactivity fee will be assessed on each account that has been inactive for 18 months and has a balance.  At 12 months of inactivity, the cardholder will be contacted and provided notice of the impending fee.  The one-time fee will be $15.00 or the balance in the account, whichever is less.  Chase will calculate this fee by applying a rate of $1.50 per month for 10 months incurred beginning at 8 months of inactivity.  Account activity is defined as a deposit, withdrawal, purchase or any type of financial activity, but not a balance inquiry.  Cardholders are encouraged to use one of Chase’s free methods of accessing funds to avoid inactivity fees.

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Can I deposit the balance from my refund debit card to my personal bank account?

Yes. There are two options:

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What should I do if my refund debit card is lost, stolen, or damaged?

Contact Chase Customer Service at 1-866-444-0463 immediately and request a new card. Any remaining balance will be transferred to the new card. There is one free replacement card allowed. After that, a $5.00 replacement fee will be imposed by Chase.

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What happens if I receive a refund debit card, but I don't activate it?

If you don't activate your refund debit card within 365 days, your refund debit card account will be closed and the available balance will be returned to the state of Missouri.

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What if I activate my refund debit card and use it, but leave a balance on the card?

If the refund debit card is activated and a balance remains after 18 months of inactivity, Chase will charge a one-time inactivity fee of $15.00. See the cardholder fees for additional details.

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I requested my refund be issued on a refund debit card and the Department's online Refund Inquiry System indicates my refund has been issued but I have not received my refund debit card, what should I do?

Contact the Chase Cardholder Customer Service at: 1-866-444-0463 (24 hours per day /7 days per week).

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Will I have online access to my refund debit card account?

Yes. Once you activate your refund debit card, you can set up your online account at www.ucard.chase.com.

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What do I do with my refund debit card when the balance is zero?

Your refund debit card cannot be reloaded. You should dispose of the card because it has no remaining value.

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Can't find an answer to your question(s)?
Email us! Income@dor.mo.gov