Reminder: FSA debit card changes

If you participate in the Healthcare FSA and use the PayFlex Card®, please know there will be changes in how you use the card beginning April 1.

Using a personal identification number (PIN) with your debit card

Today when you use your card, you must use it as a credit card. Beginning April 1, the PayFlex cards may be used as a debit or credit card. In fact, a merchant may require you to choose “debit” and not let you use “credit.” If you use “debit,” then you will need a PIN, which is required to complete a debit transaction. This is true for any location that accepts your PayFlex card—pharmacies, doctors’ offices and other health care locations.

This change is part of a new law (the Durbin Amendment to the 2010 Consumer Protection Act). This new law will reduce the amount that merchants have to pay for credit card fees.

To obtain a PIN for your card, please call card services on or after April 1; the number is 1-888-999-0121. If you call the number before April 1, you will hear a message asking you to call back on or after April 1. Once you have your PIN, you can begin using it right away.

If you pay with your card and choose “debit,” you will have to enter your PIN when prompted. If your spouse or dependent also has a card for your account, they will use the same PIN that you use.

Debit card activation – May 1

When you received your PayFlex card, it was pre-activated. That means that you did not have to activate your card before using it. Beginning May 1, this will change. New debit cards will not be pre-activated. If you receive a replacement card on or after May 1, you will have to activate the card before you can use it. You will get a replacement card when your current card expires or if you report your card as lost or stolen. Each card will have an activation label with instructions. It will also have the toll-free number to call to activate your card: 1-877-261-9951.

For further details please review the PayFlex card PIN Frequently Asked Questions or visit the employee benefits website. If you have additional questions about these changes, please call PayFlex Member Services (the number is located on the back of your PayFlex card).