How Can I Keep My EBT Card Secure?

With phishing and spam attacks on the rise, EBT users are increasingly targeted by deceptive texts and calls. Recognizing the different forms these scams can take allows you to take the necessary steps to protect your benefits on time.

How Are EBT Benefits Stolen?

Thieves use several methods to steal benefits. Hardware skimming and cloning are growing threats where devices on card readers capture your card and PIN. Digital attacks often come as 'smishing' texts or calls claiming your card is locked, directing you to fake websites. To safely check EBT balance in New Mexico, use official portals.

What To Do If Your Benefits Are Stolen

SNAP benefits stolen electronically between October 1, 2022, and December 20, 2024, may be replaced if you file a claim within 30 days. Report the theft by calling 1-800-283-4465 or filing a claim online through YESNM, listing all disputed transactions. A regular EBT balance check in New Mexico can help spot fraud early.

Other Common Issues with EBT Cards and How to Resolve Them

Beyond security threats, everyday issues can disrupt access to your benefits. Knowing how to handle a damaged card, a forgotten PIN, or a balance discrepancy can save you time and stress.

Card Will Not Swipe, Tap, or Insert

A worn magnetic stripe, a bent chip, or small tears can prevent POS terminals and ATMs from reading your card. This physical damage can make it impossible to check New Mexico EBT balance at a store or make a purchase.

• Try a different terminal first. If that fails, ask the cashier to process a manual food-benefit voucher. The cashier will write down your card number and call to approve the purchase for SNAP items. Keep your voucher copy.

• If the card is damaged, call the EBT Help Desk at 1-800-283-4465 to cancel it and order a replacement. A new card will be mailed in about seven days, so be sure your address is current. You can find more details on the EBT information page.

Forgotten or Locked PIN

Entering the wrong PIN four times in a row will lock your card until midnight as a security measure. An incorrect PIN will also prevent an EBT balance check in New Mexico and block any purchases.

• Call 1-800-843-8303 and follow the prompts to choose a new PIN. You will need your card number, date of birth, and the last four digits of your Social Security Number.

• You can also reset your PIN online through the ebtEDGE website or its mobile app after creating an account.

• Pick a four-digit number that is easy for you to remember but hard for anyone else to guess. Never write it on the card or keep it in your wallet.

Balance Shows “Zero” or Seems Wrong

Your balance might appear incorrect due to posting delays, pending holds from gas stations, or merchant reversals. These discrepancies are usually temporary. To stay on top of your funds, it's a good idea to check EBT balance in New Mexico regularly.

• Confirm your real-time balance by saving receipts, calling the 24-hour FIS hotline, or using the ebtEDGE portal. You can also download the Benny app, which imports your EBT data automatically after you link your card.

• If a transaction still looks wrong after 24 hours, you have 90 days to open a claim for an inaccurate charge by calling the FIS dispute line. Keep the receipt and note the store name, amount, and date when you call.