eipcard.com

January 22, 2026

What EIPCard.com Is — And What the EIP Card Really Means

EIPCard.com is the official website tied to the Economic Impact Payment (EIP) Card — a prepaid debit card used by the U.S. government to distribute certain stimulus payments to eligible individuals. The card itself isn’t something people apply for on the site; rather, it’s where cardholders can go to manage and access their stimulus payment funds once they’ve received the EIP Card in the mail.

The EIP Card program was launched by the U.S. Department of the Treasury’s Bureau of the Fiscal Service during the federal COVID-19 relief efforts (such as the CARES Act of 2020 and the American Rescue Plan Act of 2021). If the IRS did not have your direct deposit information on file, they may have issued your stimulus payment as a prepaid debit card instead of sending a check or direct deposit.

That’s the basic context for why the site exists: it supports a government payment program by offering a place for cardholders to log in, check their balances, activate cards, find FAQs, and access tools (like an ATM locator or customer service contacts).

How the EIP Card Works

When the IRS sends an Economic Impact Payment via a prepaid card, the card arrives in a plain white envelope that says “Economic Impact Payment Card” and shows the U.S. Department of the Treasury seal. Inside is the prepaid VISA or Mastercard-branded card with your stimulus funds loaded on it.

Once you get the card, you must activate it before use. This can usually be done by phone (1-800-240-8100) or by following instructions on EIPCard.com. After activation, you can:

  • Use the card like any debit card anywhere Visa or Mastercard is accepted.
  • Withdraw cash at in-network ATMs for no fee and out-of-network ATMs with a fee (often waived for the first withdrawal).
  • Transfer the funds to your personal bank account without a fee.
  • Check your balance online, by phone, or through a mobile app.

There are some protections on the funds — they are typically FDIC-insured, and Visa’s Zero Liability Policy applies to unauthorized transactions, meaning you aren’t responsible for fraudulent charges if you report them promptly.

What EIPCard.com Offers

The website itself is intended as a portal for cardholders. Here’s what you typically find there:

  • Login access to manage your card balance and account settings.
  • Activation instructions for new cards.
  • FAQs about how the card functions.
  • Support for locating in-network ATMs and viewing fee schedules.
  • Contact information for customer service if the card is lost or stolen.

It’s not a place where you apply for a stimulus payment or request an EIP Card — that’s all done by the IRS based on your tax filing and banking information.

Scam Concerns and Misunderstandings

Because the EIP card issuance was new and unfamiliar for many people during the pandemic, a lot of confusion and suspicion popped up online. Some people thought EIPCard.com itself was a scam simply because the domain uses “.com” instead of “.gov” — which is common for government programs. But the EIP Card does have a legitimate government origin (Treasury-backed prepaid debit distribution) and the website is the correct place for enrolled cardholders to manage their account.

That said, scammers have taken advantage of the situation by creating look-alike domains, fake emails, texts, and phishing attempts that imitate stimulus payment communications. The Federal Trade Commission and IRS warn people to never give out personal information in response to unsolicited contacts, and only use official channels (like IRS.gov) to check payment status.

There are also independent reviews of the eipcard.com domain that note potential credibility weaknesses because of poor site design or limited transparency about the organization owning the domain. These reviews recommend caution and emphasize verifying links and URLs before entering sensitive information.

Why It Matters

Understanding what EIPCard.com is — and what it isn’t — helps separate the official program from potential scams. The basic facts:

  • The Economic Impact Payment Card is real and was used to deliver stimulus funds.
  • The card is issued on behalf of the U.S. Treasury and backed by federal programs.
  • EIPCard.com is a management portal for cardholders, not a place to apply for funds.
  • Always verify you’re on the correct site and never share sensitive information based on unsolicited messages.

Key Takeaways

  • EIPCard.com is linked to the U.S. Treasury’s Economic Impact Payment Card program, used for managing prepaid cards containing stimulus payments.
  • The EIP Card is a legitimate method for distributing certain government relief payments when the IRS lacked direct deposit info.
  • You can use the card like a debit card and manage it online, by app, or by phone.
  • Scam variations and phishing attempts exist, so always verify links and use gov-authorized information sources.

FAQ

Is EIPCard.com a scam?
Not inherently — it’s the official portal for the Economic Impact Payment Card program. But because third parties sometimes run look-alike scams, you must verify you’re on the right site before entering personal data.

Can I apply for a stimulus payment at EIPCard.com?
No. The IRS decides who gets payments and how they are delivered. EIPCard.com is only for managing a card once received.

Why does a government program use a .com domain?
Some government contractors use commercial domains to host payment management portals. The official government information about the program is still on IRS.gov.

How do I activate my EIP Card?
Follow the instructions included with your card — usually by phone or through the EIPCard.com activation process.

What should I do if I suspect a scam?
Report unsolicited contacts to the FTC and IRS, and always check official government resources for stimulus payment info.