How Can I Keep My EBT Card Secure?

Phishing and spam attacks targeting EBT users are on the rise, using deceptive texts and emails to gain access to accounts. Recognizing these scams is the first step in protecting your benefits from theft.

How Benefits Are Stolen

Thieves use several methods to steal benefits. Card skimming devices on payment terminals copy your card data, while fraudulent texts and emails trick you into revealing your PIN. Impostors may also call, posing as EBT staff to get your card details. A regular check EBT balance in Vermont can help spot unauthorized use early.

What To Do If Your Benefits Are Stolen

If you suspect fraud, change your PIN immediately. To replace stolen 3SquaresVT benefits, you must report the theft to Economic Services within 30 days and submit Form 271 within 10 days. Replacements for electronic theft between October 2022 and December 2024 are possible up to twice a year. This program relies on federal authority that is set to expire, and Reach Up benefits are not replaceable.

Other Common Issues with EBT Cards and How to Resolve Them

Beyond benefit theft, other common issues can prevent you from using your EBT card. Here are three frequent problems and the steps you can take to resolve them quickly.

Card Won't Swipe, Insert, or Tap

A damaged card is a common culprit when a transaction fails. A scratched magnetic stripe, a cracked chip, or general wear can prevent a point-of-sale terminal from reading your card. Before you check Vermont EBT balance, first make sure the card itself is functional.

Sometimes the issue is with the retailer’s machine, especially if it’s set to accept only one type of payment method, like chip cards, and your card’s chip is damaged.

• First, try cleaning the magnetic stripe and chip with a soft, dry cloth. If the card is visibly bent or damaged, call EBT Customer Service at 1-800-914-8605 for a free replacement.

• Attempt the transaction in another checkout lane or at an ATM that displays the QUEST® logo. If the card works there, the original terminal was likely at fault.

• If you cannot buy groceries while waiting for a new card, you can request an emergency replacement at a DCF district office.

Invalid, Forgotten, or Blocked PIN

Your four-digit PIN is what authorizes every purchase and cash withdrawal. An EBT balance check in Vermont can confirm your funds are there, but a blocked PIN will stop you from using them. Entering the wrong PIN too many times will temporarily block the card as a security measure.

This often happens from simple mis-keyed numbers or if you have not changed the initial PIN you received with the card.

• You can reset your PIN by calling the automated system at 1-800-914-8605 and following the prompts, or you can speak with an agent after verifying your identity.

• If too many incorrect attempts have locked your card, you must wait 24 hours before you can create a new PIN.

• Once you have a new PIN, memorize it and avoid storing it with your card.

Benefits Not Appearing on Schedule

Benefits are deposited on a set schedule based on the last digit of your Social Security number. Missing a deadline for an interim report or recertification can also pause deposits until the required paperwork is processed.

Federal holidays can also cause a slight delay, with funds sometimes posting later in the morning instead of overnight.

• Before assuming there is an issue, confirm your deposit date. You can also use the Benny app to see your real-time EBT balance.

• You can also check if benefits were loaded by visiting ebtEDGE or calling the EBT hotline. A quick check EBT balance in Vermont can clarify if the deposit has arrived.

• If your benefits have not been deposited, contact the Economic Services Division at 1-800-479-6151 to confirm your case is active and all your documents have been received.