Frequently Asked Questions

Why is DUA offering the debit card in place of check payments?
Check payments are not only costly for DUA to process, but also provide limited options for customers. The DUA Debit Card, issued by Bank of America, provides customers flexibility and convenience, with cash withdrawals and purchases most anywhere in the United States and the world.

Are there fees for using the DUA Debit Card?
There is no fee for using the DUA Debit Card to make purchases, or to withdraw cash from Bank of America or Allpoint ATMs in the U.S. You will also not be charged for balance inquiries or for declined transactions at any ATM. If you use a non-Bank of America or non-Allpoint ATM in the U.S., or make an ATM withdrawal outside the U.S., there is a $0.85 per transaction fee. In addition, ATM owners may impose an additional charge for certain ATMs. For international transactions, an additional fee equal to 3% of U.S. Dollar amount of the transaction will be charged.

Where can I use my DUA Debit Card?
You can use your DUA Debit Card at any Bank of America and Allpoint ATM, and at any bank, credit union, or merchant (grocery store, gas station, restaurant, medical offices, retail or online stores, mail or phone orders) that accepts MasterCard®. You can even use your debit card to pay certain bills. These transactions are free. Please refer to the Fee Schedule below for fees associated with using a non-Bank of America or non-Allpoint ATM.

How do I use the DUA Debit Card?
You can use your debit card in the following ways:
• Use it with your PIN at any ATM to check your balance or make cash withdrawal.
• Choose “debit” and enter your PIN to make a purchase, and even get cash back.
• Choose “credit” to make a purchase with your signature. This is not a purchase on credit; the
amount of the purchase will be deducted from your account.

When will my weekly benefit payment be available on my DUA Debit Card?
If eligible, your payment should be available for your use two business days after you request benefit payment. If you’re a new claimant, your first week is a waiting period and your first payment will be paid by check regardless of whether you elect Debit Card or Direct Deposit.

How do I know if my payment has been deposited, or how much money is available on my DUA Debit Card?
You can check your balance and transactions online, at an ATM, or call the Debit Card Customer Service Center toll-free any time day or night. Additionally, you can sign up for text or email alert to notify you that your payment has been deposited into your DUA Debit Card. Please note that, depending on your contract with your mobile phone or internet service provider(s), you may be charged for receiving an alert.

Note: You have 12 months from the date of distribution to access UI benefits issued to you.  If you fail to cash a paper check or activate a debit card, the funds from the paper check and/or any unused funds deposited on the inactive debit card will be credited back to the UI trust fund.

What happens if I make a cash withdrawal or purchase that exceeds my account balance?
If you do not have sufficient funds in your DUA Debit Card, the transaction will not go through.|

Can I make a transfer to another account using my DUA Debit Card?
Yes, but only online.

What if my DUA Debit Card is lost or stolen?
Contact the Debit Card Customer Service Center immediately. If you notify Bank of America within two business days, you can lose no more than $50 for any unauthorized transactions.

Which choice is best for me: direct deposit or debit card?
The best choice for you depends on your situation. Both direct deposit and the DUA Debit Card provide many of the same benefits. There are no checks to get lost or stolen, the money is available to you as soon as it is deposited, and your payments will not be interrupted if you move.

My credit is bad. Can I still receive the DUA Debit Card?
Yes. While the DUA Debit Card looks like a credit card, it is not a credit card, and your credit rating has no effect on your use of the DUA Debit Card. As part of its agreement with DUA, Bank of America will not deny a card based on a customer’s credit history.

If I don’t like using the debit card, what other option do I have?
You can sign up for direct deposit at any time.
>> Step-by-step instructions to sign up for direct deposit.