SC Department of Revenue
Income Tax Refund Prepaid Debit Card Program Overview


South Carolina Department of Revenue
Income Tax Refund Prepaid Debit Card Program Overview

The South Carolina Department of Revenue (SCDOR) is offering taxpayers an additional option for personal income tax refunds, prepaid debit cards.  Taxpayers also have the option to deposit directly to their bank accounts.

Prepaid debit cards have been used by the federal government and more than 40 states to efficiently disburse unemployment benefits, disability benefits and child support for several years. Prepaid debit cards deliver value to cardholders and save government agencies - and taxpayers - money. In fact, this year, the U.S. Treasury began implementing an all-electronic mandate for federal benefit payments, including Social Security and SSI.

Prepaid Debit Card Benefits

Convenience and Flexibility for Taxpayers
This new prepaid debit card is a particularly useful option for taxpayers that don't have traditional bank accounts. The cards are cost-efficient, secure, easy-to-use, and provide many options for making withdrawals and purchases.

Benefits of the prepaid debit card include:

  • No more check-cashing fees
  • Use everywhere Visa debit cards are accepted - in-stores, online or by phone
  • Get access to cash at ATMs, retailers, and at any bank or credit union that accepts Visa
  • Use your card to pay bills
  • Improves control over money - take only what you need, when you need it
  • Account information and customer service - available 24 hours a day, 7 days a week

Cardholders have free access to thousands of Bank of America ATMs in South Carolina, neighboring states, and nationwide. An online ATM-finder is available at  Information about ATM locations is also available from Bank of America Customer Service Center at 1.866.472.4959, 1.866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.).

Fee Schedule

Schedule of Bank Fees
Bank Fees for South Carolina Department of Revenue Income Tax Refund Prepaid Debit Card transactions will be charged to your account daily.

Purchase Transaction Fees


Purchase at Visa Merchants (signed or using PIN)

No Fee

Online, Phone, Mail Purchases or Bill Payments

No Fee

ATM Transaction Fees*


Bank of America ATM Withdrawal (in the U.S.)

No Fee

Non-Bank of America ATM Withdrawal (in the U.S.)

$2.50 per transaction

ATM Withdrawal (all ATMs outside the U.S.)

$2.50 per transaction

ATM Balance Inquiries (all ATMs) **

No Fee

ATM Transaction Decline (all ATMs)

No Fee

Other Service Fees


Automated Customer Service Inquiry

Live Customer Service Inquiry

International Customer Service Inquiry

Online Account Information

No Fee

No Fee

No Fee

No Fee

Cash Access

(Available at financial institutions that accept Visa cards)

(Limited to available balance only)

No Fee for first withdrawal,

$10.00 thereafter

Online Funds Transfer

No Fee

Emergency Cash Transfer (in the U.S.)


Emergency Cash Transfer (outside the U.S.)


Card Replacement Domestic

One Free, $5.00 thereafter

Card Replacement - Express Delivery (additional charge)

$15.00 per request

Card Replacement (outside the U.S.)

Quote provided at time of request, as price varies by country

International Transaction Fee

2% of U.S. dollar amount of transaction

Account Closure Fee



*ATM owners may impose an additional "convenience fee" or "surcharge fee" for certain ATM transactions (a sign should be posted at the ATM to indicate additional fees); however, you will not be charged any additional convenience or surcharge fees at a Bank of America ATM. An ATM Transaction Decline occurs when you request an amount greater than your balance or you incorrectly enter your PIN more than four times. A Bank of America ATM means an ATM that prominently displays the Bank of America name and logo.

**Balance inquiries may not be available at all ATMs outside the U.S.

Note: For any questions related to the above fee schedule, please call the Customer Service Center at 1.866.472.4959, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.). For any questions regarding your income tax refund amounts, please contact the SC Department of Revenue.

General Program Information

Here's how the prepaid debit card will work:

  • Once SCDOR determines a taxpayer's refund, it will transfer that amount to Bank of America on behalf of the taxpayer.
  • Bank of America will then create an account in the taxpayer's name in the amount of the refund and issue a prepaid debit card.
  • The taxpayer can then use the card to make purchases or withdrawals until the funds are exhausted.

The taxpayer can't make personal deposits to the account. SCDOR will not reuse the card and the cardholder may destroy it once funds are exhausted. This is not a credit card and the cardholder cannot overdraft funds.

For any questions regarding your South Carolina Income Tax refund amount, please contact the SCDOR at 803.898.5709 or

How to Activate Your Prepaid Debit Card

Activation of the card is simple and secure. It's no more difficult than activating a credit card.

Taxpayers will receive their card in the mail which will include instructions on how to activate and use it. Upon receipt of the card, taxpayers should immediately visit the Customer Service Center website at, or call the toll-free number, 1.866.472.4959, 1.866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.), to activate the card. Once activated, the taxpayer may use the card.

  • For security reasons, the taxpayer will need:
    • the 16-digit number that appears on the face of the card
    • the three digit security code on the back of the card
    • the last four digits of their social security number
  • During the activation process, the taxpayer will be asked to create a Personal Identification Number (PIN). The PIN can be used to make ATM withdrawals and purchases.
  • Once the card is activated, the taxpayer will be given the account balance and may begin using the card immediately.

Joint Filer Information

  • Spouses filing a married filing joint return will each receive two separate prepaid debit cards in one envelope.
  • The cards will be issued in the name of the taxpayers as listed on their South Carolina income tax return.
  • When the first card is activated, the second card will also be activated, but only for transactions that don't require a PIN. If the holder of the second card wishes to engage in transactions requiring a PIN, they must go online or call and create their own PIN.
  • Because the prepaid debit card account is a joint account, each card provides access to the entire amount of the refund. As is the case with paper checks, disputes regarding who accesses the funds are not the responsibility of SCDOR.

How to Use Your Prepaid Debit Card

The card may be used everywhere Visa debit cards are accepted.  Always know your balance before performing a transaction.  See Balance Inquiries below.
To conduct purchases with a signature:

  1. Present or swipe the debit card
  2. Choose "credit"
  3. Sign, take the debit card and receipt

To conduct purchases with a PIN:

  1. Swipe the debit card
  2. Choose "debit" and enter the PIN
  3. Many grocery stores, convenience stores, and U.S. post offices offer cash back without a fee. 
  4. For cash, select the amount and it will be added to the purchase total.
  5. Take the debit card, cash and receipt.

Pay Bills

By using the card to pay bills online or over the phone, taxpayers can avoid costly fees charged by check cashers and others. 

Balance Inquiries
Cardholders may check the balance on their cards and review transaction activity 24 hours a day at . Cardholders may also call the Customer Service Center at 1.866.472.4959, 1.866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.) for automated information for balance and recent transactions.

Cash withdrawals

ATM Withdrawals
In order to make ATM withdrawals, taxpayers must have activated the card and created a PIN.

The amount that can be withdrawn from an ATM depends on limits set by the ATM owner. Some owners impose limits on how much can be withdrawn in a single transaction or in a day.

In-network withdrawals:
There is no fee for withdrawals from ATMs owned by Bank of America in South Carolina and nationwide.
" Bank of America's website will include a link to an ATM locator.

Out-of-network withdrawals:
For withdrawals from ATMs that aren't owned by Bank of America, please refer to the schedule of fees. There may also be an additional charge by the owner of the ATM.  Cardholders are notified of fees prior to the completion of the transaction and may cancel the transaction to avoid fees.

Bank Withdrawals
Taxpayers who choose to convert a card to cash will be able to do so by visiting any bank that is in the Visa bank network.

Online Funds Transfers
In order to transfer funds from your card account to a traditional checking or savings account at any U.S. financial institution, you may perform an Online Funds Transfer via the Customer Service website at
You will need to register a "transfer-to" account prior to performing your first transfer. Once your "transfer to" account is authenticated (this can take up to 5 business days), your transfer will be made.  Once your transfer is made, it can take up to 2 business days to receive your funds in your account, and the transfer cannot be canceled once entered.
A minimum value of $20.00 may be transferred. To begin this process you will simply sign on to the website and select the "Transfer funds" link within your online Account Summary page.

Address Changes
All card maintenance activities should be directed to the Customer Service Center at 1.866.472.4959. If the post office is unable to deliver a card, it will be returned to Bank of America.
If you change your address on the SCDOR Income Tax Prepaid Debit Card account, you should also contact the SCDOR at 803.898.5709 or to complete the address changes.

Access to Low Balances in Your Prepaid Debit Card Account
Because most ATMs dispense money in the form of $20 bills, if the balance on a card falls below that amount, you won't be able to use an ATM to access all funds to the dollar and cents level in your card account. The balance can be fully accessed by:

  • determining the balance and using the card to make a purchase in that amount; or
  • using the card to make a partial payment, and using a secondary means for the remaining purchase amount as you would do with a retailer's gift certificate; or making a final withdrawal at any bank or credit union that accepts Visa

Lost or Stolen Cards

If a card is lost or stolen, you need to contact the Customer Service Center to request a replacement.  If the card has been used, the bank will issue the replacement card in the amount of the remaining balance.

The Bank of America "Zero Liability" Policy protects the taxpayer against fraudulent transactions if a card is lost or stolen (subject to certain conditions). If the card is lost or used without taxpayer permission contact the Customer Service Center at 1.866.472.4959 as soon as possible to report the card lost or stolen, report any unauthorized transactions and begin the error resolution or dispute process.

The Cardholder Agreement received with the card will provide specific instructions on the dispute process and the time frames that apply to the Bank of America "Zero Liability" Policy.


All card account disputes should be directed to the Customer Service Center at 1 866.472.4959. You should contact customer service as soon as you can if you think your electronic history or receipt is wrong, or if you need more information about a transfer on the electronic history or receipt.

Bank of America must hear from you no later than 60 days after the earliest date you electronically access your account, if the error or problem could be viewed in your electronic history; or the date we sent the FIRST written history on which the error or problem appeared. In any event, you must report the error or problem no more than 120 days after the transaction allegedly in error was credited or debited to your account.

A Customer Service representative will provide you with a dispute form to complete and return. A dispute form may also be obtained on the customer service website at

Expiration Dates

Your card expires 12 months from the issuance of your card and this expiration date is shown on the front of your card. If a balance remains on your card after expiration, you may contact the Customer Service Center and we will send you a check for the remaining balance less the Account Closure Fee. After a period of time, unclaimed balances will be reported and remitted as unclaimed property to the state.

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