How Can I Keep My EBT Card Secure?

Phishing and text message scams are becoming more common in Rhode Island. Understanding the different ways thieves try to steal your benefits is the first line of defense. Knowing what to do if you become a victim allows you to take the right steps quickly.

How EBT Benefits Are Stolen

The most widespread threat in Rhode Island is card-skimming. Criminals attach a fake reader or keypad overlay to a store’s payment terminal to capture your card’s magnetic stripe data and record your PIN with a hidden camera. Always inspect payment terminals for anything loose, bulky, or misaligned and cover the keypad when entering your PIN.

Phishing scams through text messages or emails are also on the rise. These messages often create false urgency, claiming your benefits are suspended and asking you to confirm your PIN or card number through a link or phone number. State EBT processors will never contact you to ask for this information.

Newer tactics include fake social media pages offering bonus SNAP funds or malicious public Wi-Fi networks that mimic the official ebtEdge login page to steal your credentials.

What To Do If Your Benefits Are Stolen

If you suspect your EBT benefits have been stolen, you must act immediately to protect your account and report the fraud.

1. Immediately change your PIN and use the card freeze function on the ebtEdge app or website.

2. Print or take a screenshot of the fraudulent transactions from your account history.

3. Call the Rhode Island DHS at 1-855-697-4347 to file a fraud allegation.

4. Submit the online Fraud Allegation Form.

5. File a police report if your physical card was stolen.

6. Request a replacement card through ebtEdge.

Federal law previously allowed for the replacement of stolen SNAP benefits for theft that occurred between October 1, 2022, and September 30, 2024. For theft occurring after that date, benefits are generally not replaced. You must file a fraud report within 30 days of discovering the theft to be considered for any potential one-time, case-by-case payment from the state. Stolen RI Works or EBT Cash funds are not eligible for federal replacement.

Other Common Issues with EBT Cards and How to Resolve Them

From a card that won’t swipe to a balance that seems off, EBT card issues can be frustrating. Most problems have simple solutions, allowing you to get back to your shopping without much delay. Here are a few common hurdles.

Card Will Not Swipe, Insert, or Tap

A worn magnetic stripe or a damaged chip can prevent the card from being read. Sometimes, the issue isn't with your card but with the store's Point-of-Sale (POS) terminal, which may not be properly configured for EBT transactions.

• Gently wipe the magnetic stripe with a soft cloth. Make sure you are swiping or inserting the card in the correct direction.

• Ask the cashier if you can try another checkout lane, as a different card reader might work.

• If the card is cracked or still doesn't work, order a free replacement by calling Rhode Island EBT Customer Service at 1-888-979-9939 or through the ebtEDGE portal. A new card usually arrives in about a week.

• While you wait for a replacement, you can access any EBT Cash benefits at an ATM or from retailers that offer cash back on debit purchases.

Forgotten or Locked PIN

It's easy to forget your PIN, especially if you don't use it frequently. Entering the wrong PIN three times in a row will temporarily lock your card for security purposes, preventing access to your benefits.

• You can reset your PIN using the automated phone menu at 1-888-979-9939 or with the self-service tool on the ebtEDGE website. You will need your card number, date of birth, and the last four digits of your SSN.

• Choose a four-digit number that is not easy to guess, like a birthday or a repeating sequence. For added security, consider changing your PIN just before your benefits are loaded each month.

• If your account is still locked after a reset, wait 24 hours. If the problem persists, call the DHS Call Center at 1-855-697-4347 for assistance.

No Benefits on the First of the Month

Rhode Island SNAP benefits are typically loaded on the first of every month. If your balance is zero or lower than expected, it often indicates that required paperwork, like a Recertification Packet or a Six-Month Interim Report, is late or under review.

• First, double-check your balance. You can find it on your last store receipt, by calling the toll-free EBT number, or by using the Benny app or ebtEDGE portal.

• Check your notices on the HealthyRhode portal. Your benefits may be on hold until you submit updated information about your income or household size.

• Upload any requested documents like pay stubs or rent proof through HealthyRhode, use a drop-box at a DHS office, or send them by mail. Benefits are usually restored within 72 hours after the documents are processed.

Helpful Links to Bookmark

• Rhode Island Department of Human Services: The main hub for SNAP and EBT information.

• ebtEDGE Cardholder Portal: Check your balance, change your PIN, or request a new card.

• HealthyRhode Customer Portal: Upload documents and view official notices about your case.

• Benny: Check your real-time SNAP and EBT Cash balance and earn cashback on purchases.

• MoneyPass ATM locator: Find surcharge-free ATMs for EBT Cash withdrawals.