EPPICard - the safe and convenient way to access your deposits.
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The State of North Carolina has implemented a convenient "electronic" payment option for receiving your unemployment payments using a prepaid Debit MasterCard® card - A better way to receive your payments. Simply spend your money by presenting your debit card; it is safe, convenient and secure. You have immediate access to your funds because your unemployment payments are electronically loaded to your debit MasterCard® card account. You will not be waiting for your check to be sent through the mail.

The new debit MasterCard® card account provides access to your funds 24 hours a day at ATMs, bank teller windows and merchant locations worldwide, anywhere debit MasterCard® cards are accepted. Your debit card account is FDIC insured and your account is protected by your Personal Identification Number (PIN).

Your deposits are posted on the banking day after your payment is processed. The State of North Carolina is pleased to offer you the convenience and security of the North Carolina Debit MasterCard®.

Shop with it.

You can use your North Carolina Debit MasterCard® at merchant locations displaying the MasterCard Acceptance Mark and there is no fee for point of sale transactions at these locations using your signature or PIN. You may also ask for "cash back" with your purchase.

Get Cash Faster.

Get cash at ATMs, MasterCard® Member bank teller windows, or at your favorite merchant location as "cash back", displaying the MasterCard® Member Acceptance mark.

Toll-Free Customer Service.

You have unlimited access to our web site 24 hours a day, 7 days a week, 365 days a year. Once a payment is loaded, you may access information regarding your account via the toll-free customer service telephone number 1-866-461-4096 or the Internet at www.eppicard.com.


Your account is FDIC insured and protected by your personal secret code (PIN). Your web account is secured by your personally selected User ID and password.

Access to available balance and transaction history through the Internet.

Online web access to your card account, balance, and transaction history is the quickest and easiest way to review transactions and deposits posted to your account. The information is displayed immediately in date and time order and reflects transactions posted to your account at the time they are conducted.

Monthly transaction history for the past 60 days is available online,at any time of day for your convenience. Print your monthly statement by selecting the preferred month.

Low Transaction Fees.

North Carolina EPPICard™ cardholders are assessed the following fees:

  • $1.00 for each ATM denial for insufficient funds.
  • $5.00 for each replacement card issued after one free per year.

Avoid ATM Surcharge Fees.

  • Some ATM owners may apply a fee called a surcharge to use their ATMs.
  • Avoid paying this fee by using ATMs bearing the logo shown.

Wells Fargo ATMs

Program Material

To view these documents in PDF format, you will need Adobe Reader. This program is available for free download here:

ATM Locator

Get Cash Back with purchases
Many merchants including most grocery stores, home improvement stores, and others allow you to get cash back when you make a purchase. You can save a trip to the ATM with Cash Back.
Tell the cashier before swiping your Card you would like to get cash back with your purchase. Select "Debit Card" and follow the prompts to get "Cash Back" and the amount you would like to receive.

Find the Nearest ATM
Look for the MasterCard® or VISA® logo on ATMs worldwide. Click on the MasterCard® or VISA® logo below to find the nearest ATM

MasterCard ATMsVisa ATMs

Wells Fargo ATMs

Safety Tips when Using ATMs
ATMs are a convenient way to access your money. Here are a few tips on how you can help protect yourself when using an ATM.

  • Have your Card out and ready to use as you approach an ATM. If you observe or sense suspicious persons or circumstances, do not use the ATM at that time.
  • Avoid ATMs that are poorly lit, hidden, or obstructed from view.
  • Never count your money at the ATM. Wait until you are in a safe location.
  • Take a trusted family member or friend with you, especially at night.
  • If you feel you are being followed when leaving an ATM, drive immediately to the nearest police or fire station, or to a busy, well-lit location. Call the police immediately.
  • If you are involved in a confrontation with an assailant who demands your money, COMPLY. Your safety and life is more important than any amount of money.
  • Never swipe your Card in an ATM that looks damaged or appears to have been tampered with.
  • It is not advisable to wear expensive jewelry or bring valuables to the ATM. This is an added incentive to the assailant.
  • Do not re-enter your PIN if the ATM keeps your Card. Instead, call Customer Service immediately to report your Card lost.

You can always find your customer service number on your Card, on this website, and on the printed information included when you received your Card.

Lost, Stolen cards

If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your available funds without your permission, call us at 1-866-461-4096, or write to us at Customer Account Services, P.O. Box 245997, San Antonio, Texas 78224-5997.

Contact Us

Cardholders who have any questions about their benefits including when your payments have been deposited to your North Carolina EPPICard should call your local Unemployment Insurance Office.

For all questions related to the EPPICard™ MasterCard®, cardholders should call the Customer Service toll free number at 1-866-461-4096. Customer Service is available 24 hours a day, 7 days a week and handles calls related to:

  • Reporting lost or stolen cards
  • Balance inquiries
  • PIN changes
  • Transaction history requests
  • Registering a complaint about a card issue
  • Questions about card usage
  • Questions about international card usage

Protecting your personal and account information is our top priority

Occasionally our fraud prevention team may call you to verify if a specific transaction or transactions were authorized by you.

If we do call you, we will NEVER ask for your social security number or secret PIN number.

If you are ever unsure a call you receive about your Card or account is legitimate, hang up immediately and call us back using the toll-free telephone number found on this website, on the back of your Card or in the information included with your Card.

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