How Can I Keep My EBT Card Secure?

Phishing and spam attacks targeting EBT cardholders in South Carolina are becoming more frequent and sophisticated. Understanding the common ways thieves operate is necessary for taking the right steps to protect your account on time.

How EBT Benefits Are Stolen

Thieves use several methods to steal benefits. Scams often involve text messages or calls claiming your card is locked, directing you to fake websites to enter your card number and PIN. Another major threat is electronic skimming, where criminals install hidden devices on store card readers to copy your card information and create clones.

What To Do If Your Benefits Are Stolen

If you suspect fraud, call 1-800-554-5268 immediately to cancel your card. For thefts between October 1, 2022, and December 20, 2024, South Carolina could replace benefits if a stolen benefits affidavit was filed within 30 days. However, that federal program has expired, and stolen funds can no longer be replaced. Cash benefits are not replaceable.

Other Common Issues with EBT Cards and How to Resolve Them

Beyond security threats, everyday issues can disrupt access to your benefits. Here are three common problems South Carolina EBT cardholders face and the steps to resolve them efficiently.

Card Declined at the Register

A declined card at checkout can be frustrating. It often happens due to an incorrect PIN, insufficient funds for the purchase, or attempting to buy non-eligible items. A damaged magnetic stripe or chip can also prevent the card from being read correctly.

• First, confirm your balance. You can check it on the Benny app, the ConnectEBT website, or by calling the 24-hour voice system.

• Slowly re-enter your PIN. Be aware that three incorrect attempts will lock your card for 24 hours.

• Ask the cashier to separate SNAP-eligible products from other items and try the transaction again.

• If the card’s magnetic stripe or chip is worn, try wiping it with a soft cloth. If it still doesn’t work, you will need to order a replacement.

Benefits Not Deposited on Time

If your benefits haven't appeared on the expected date, it could be due to a misunderstanding of South Carolina's deposit schedule. Payments are issued between the 1st and 19th of each month based on the last digit of your case number. A delay can also occur if a required interim or recertification packet is incomplete, which temporarily pauses the case.

• Confirm your specific deposit date based on your case number’s ending digit.

• Check your balance through the ConnectEBT portal, the Benny app, or the automated phone line before taking further action.

• If you recently submitted an interim report, confirm it was accepted and provide any missing documentation, like income stubs, immediately.

• If a full business day has passed since your scheduled deposit date and the funds are still missing, call the DSS Client Services line.

Lost, Damaged, or Demagnetized Card

EBT cards can stop working due to normal wear and tear, accidental damage like bending or washing, or simply being misplaced. Since the card is your only way to access benefits, it is important to act quickly when it is lost or unusable.

• As soon as you notice your card is missing or damaged, call the EBT Customer Service line at 1-800-554-5268 to report it and request a replacement. Your old card will be immediately deactivated.

• A new card typically arrives by mail within 5–7 business days. Confirm your mailing address with the representative to prevent delays.

• Once the new card arrives, you must activate it and create a new PIN. This can be done by phone or on the ConnectEBT portal.