Cardholder Frequently Asked Questions

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South Carolina Department of Revenue Income Tax Refund Prepaid Debit Card Program Overview
How Does a Prepaid Debit Card Work?
Prepaid Debit Card Benefits
Fee Schedule
General Program Information
Privacy Information
How to Activate your Prepaid Debit Card
Joint Filer Information
How to Use your Prepaid Debit Card
- Purchases
- Pay Bills
- Balance Inquiries
- Cash Withdrawals
- Account Closures
- Address Changes
- Access to Low Balances in your Prepaid Debit Card Account
- Special Transactions
Lost or Stolen Cards
Expiration Dates

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

The South Carolina Department of Revenue (SCDOR) offers taxpayers a convenient option for personal income tax refunds with prepaid debit cards. Taxpayers also have the option to deposit directly to their bank accounts.

Prepaid debit cards deliver value to cardholders and save government agencies – and taxpayers – money.

How does a Prepaid Debit Card work?

The SCDOR Income Tax Refund Prepaid Debit Cards are Visa Debit Cards issued by Bank of America on behalf of the South Carolina Department of Revenue. The SCDOR will automatically deposit your tax refund directly to your card account. You do not need a traditional bank account, and there is no credit check or minimum balance requirement. With your prepaid debit card, you do not have to pay a check-cashing fee and there are no monthly fees.

Prepaid Debit Card accounts are FDIC-insured and protected by Bank of America’s zero liability protection. If your prepaid debit card is lost or stolen, Bank of America will reimburse you for any unauthorized transactions, subject to certain terms and conditions set forth in the South Carolina Department of Revenue Income Tax Refund Prepaid Debit Card Deposit Agreement you receive with your debit card.

Once you receive and activate your card, you can use your prepaid debit card like any other debit card. You can use it to make purchases, pay bills, and get cash back at any store or vendor that accepts a Visa Debit Card. You can also make ATM withdrawals or request a teller cash withdrawal from any bank or credit union that accepts Visa cards. Fees can be avoided by using your card to make purchases and get cash back at merchants and by using Bank of America ATMs. If you use other banks’ ATMs, you will be charged a fee. See the Fee Schedule section for a complete listing of fees.

Prepaid Debit Card Benefits

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

Benefits of the prepaid debit card include:

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 the 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

Bank Fees for South Carolina Department of Revenue Income Tax Refund Prepaid Debit Card transactions will be charged to your account daily.
Purchase at Merchants (signed, using PIN, online, phone, or mail purchases) No fee
Bank of America ATM Withdrawal (in the U.S.) No fee
ATM Balance Inquiries or Declined Transactions (all ATMs)** No fee
Online, Automated, Live, or International Customer Service Inquiry No fee
Online Funds Transfer No fee

Non-Bank of America ATM Withdrawal (in the U.S.) $2.00 per transaction
ATM Withdrawal (all ATMs outside the U.S.) $2.50 per transaction
Teller Cash Access (Available at financial institutions that accept Visa cards)
(Limited to available balance only)
No Fee for first withdrawal, $5.00 thereafter
Emergency Cash Transfer (in the U.S.) $15.00
Emergency Cash Transfer (outside the U.S.) $30.00
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 Check Issuance Fee $5.00

*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 Prepaid Card Program Information

Here’s how the prepaid debit card will work:

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 803.898.5000 or

Privacy Information

Keeping your information private is one of our most important responsibilities. The SCDOR has provided us with limited personal information in order to establish your prepaid debit card account, mail the card to your attention and to be able to verify your identity as the account owner when you call or go online for account information. Visit the Terms & Conditions for an explanation of how the Bank manages your information related to this prepaid card program.

How to Activate Your Prepaid Debit Card

Activation of the card is simple and more secure.

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.

Joint Filer Information

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 the Balance Inquiries section below for more information on balance inquiries.

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

Once the card is activated, 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. Cardholders can also use any ATM to check the current balance on their card.

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.

Out-of-network withdrawals:
For withdrawals from ATMs that aren’t owned by Bank of America, please refer to the Fee Schedule. 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 obtain cash with your card will be able to do so by visiting any bank that is in the Visa bank network. Visa banks that accept Visa cards will display the Visa logo on and around their offices. Before visiting your bank to request a withdrawal, make sure your card is activated and know your card balance.  Taxpayers can make one free withdrawal at any Visa member bank.

Online Funds Transfers

In order to transfer funds from your card account to a traditional checking or savings account owned by you in the United States, 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.

Account Closures

You may contact the Bank of America Customer Service Center to close your account and request a check for the remaining balance. An account closure check issuance fee of $5.00 applies to all such requests. Checks are typically issued within 7 to 14 days.

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. Contact the Bank of America Customer Service Center to change your address and request a card to the new address.
If you change your address on the SCDOR Income Tax Prepaid Debit Card account, you should also contact the SCDOR at 803.898.5000 or to download and complete the address change form SC8822.  The form can be found on SCDOR’s website under Forms and Instructions, Business Registration section.

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:

Special Transactions

Be careful in using your card at such establishments as they may put a hold on your card:
Gas Stations: Paying at the pump may cause a hold of up to $100; consider paying inside, saying how much you want to purchase and signing the receipt, doing so avoids the hold.
Restaurants: Restaurants may verify you have enough in your account for the bill. Make sure you have enough funds to cover any added tip.
Hotels: The hotel may hold the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, the hold may take a few days to be removed.
Auto Rentals: You may use your card for final payment for a rental car, but a credit card may be necessary to reserve a rental car.
Returns: Store return policies may vary. You may receive a credit to your account, or a store credit. A credit to your account may take a week to process before funds are available for use.

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 provides 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 an error has occurred in your Account.

Bank of America must hear from you no later than 60 days after you learn of the error.

A Customer Service representative will provide you with a dispute form to complete and return.

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 Check Issuance Fee. After a period of time as defined by state law, unclaimed balances will be reported and remitted as unclaimed property to the appropriate state.

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