How Can I Keep My EBT Card Secure?

Phishing and spam attacks targeting EBT users are on the rise across Rhode Island. Recognizing the various forms this fraud can take is the first step in protecting your benefits and responding effectively if they are compromised.

How EBT Benefits Are Stolen

Card-skimming is a dominant threat, where criminals attach fake readers to terminals to steal card data and record your PIN. Phishing and text scams also trick users into giving away their credentials by sending fake alerts about suspended benefits that link to spoofed websites.

What To Do If Your Benefits Are Stolen

The federal program for replacing stolen benefits ended on September 30, 2024, so reimbursement is not guaranteed. You must still report theft within 30 days by following these steps:

1. Immediately change your PIN and freeze your card.

2. Call the Rhode Island DHS fraud line at 1-855-697-4347 and submit an online fraud form.

3. Request a new card via ebtEdge.

Other Common Issues with EBT Cards and How to Resolve Them

Beyond fraud, several common issues can prevent you from accessing your benefits. Knowing how to troubleshoot problems like a malfunctioning card, a forgotten PIN, or a missing balance can save time.

Card Won't Swipe, Insert, or Tap

A worn-out magnetic stripe or a scratched chip can make your EBT card unreadable at the checkout counter. Sometimes, the issue is with the store's Point-of-Sale (POS) terminal if it is not properly configured for EBT transactions.

• Gently wipe the magnetic stripe with a soft, dry cloth. You can also ask the cashier to try a different checkout lane, as another card reader might work.

• If the card is physically damaged or still fails, you can order a free replacement by calling Rhode Island EBT Customer Service at 1-888-979-9939 or logging into the ebtEDGE cardholder portal.

• While you wait for your new card, 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 is common for households to forget their Personal Identification Number (PIN) between shopping trips. Entering the wrong PIN three times in a row will temporarily lock your card for security.

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

• When you create a new four-digit PIN, avoid using simple patterns or birthdays. For added security, consider changing your PIN right before your benefits are scheduled to load each month.

• If your card remains locked after a reset, you may need to wait 24 hours before trying again. For persistent issues, call the DHS Call Center at 1-855-697-4347 for assistance.

Missing or Incorrect Benefit Amount

Rhode Island SNAP benefits are typically deposited on the first of every month. If you see a zero or reduced balance, it often indicates that required paperwork is late or your case is 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 mobile app.

• If the balance is incorrect, check your notices on the HealthyRhode customer portal. Most cases require an annual Recertification Packet and a Six-Month Interim Report to update income and household details. Missing these documents will put your benefits on hold.

• You can submit required documents like pay stubs or rent proof online through HealthyRhode, at a drop-box at any DHS office, or by mail. Once the paperwork is processed, benefits are usually restored within 72 hours.