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The NC CSS program began to phase in the "ncKIDScard" (child support debit card) program in April 2007. Custodial parents (CPs) have the option of receiving their child support payments through direct deposit or through the "ncKIDScard" program. Electronic payments have replaced paper checks for most CPs.
If a CP does not request direct deposit and meets the enrollment criteria, he/she will be enrolled in the “ncKIDScard” program. During the initial implementation period, any CP who had received a child support check in the last six (6) calendar months and did not request direct deposit was enrolled. Payments from the noncustodial parent (NCP) are deposited automatically into the CP's “ncKIDScard” account, where CPs can access the funds by using a VISA debit card that is issued to them.
The benefits of the "ncKIDScard" program are:
The "ncKIDScard" (debit card) program replaces paper checks for custodial parents (CPs) who meet the enrollment criteria and have not authorized direct deposit. (This program began in April 2007.) To qualify for automatic enrollment in the “ncKIDScard” program, a CP must be an active participant in an open case in ACTS and have:
During the initial implementation period, any CP who has received a child support check in the last six (6) calendar months is enrolled.
Some custodial parents (CPs) are excluded from enrollment in the "ncKIDScard" program, such as CPs who already are receiving their child support payments through direct deposit. Also excluded from enrollment are CPs in:
NC CSS began to phase in the "ncKIDScard" (child support debit card) program in April 2007. Systems and Methods, Inc. (SMI) originally provided the debit cards through a subcontract with JPMorgan Chase. As each local CSS agency implemented this program, ACTS identified the custodial parents (CPs) who met the enrollment criteria.
Effective April 2011, SMI manages the "ncKIDScard" program and The Bancorp Bank issues the "smiONE Visa" debit card for new enrollees in the program. The last date of enrollment for the JPMorgan Chase debit card was March 31, 2011.
An enrollment file containing identifying information for each CP is sent daily to the private vendor who operates the North Carolina Child Support Centralized Collections Operation (NCCSCC). The enrollment process can take up to (10) business days. If the noncustodial parent (NCP) makes a payment during the processing period, the CP receives it by check.
CPs who already have a debit card through JPMorgan Chase are issued a new debit card from The Bancorp Bank, based on a scheduled rollout of local CSS agencies that begins on May 2, 2011. Funds will continue to be loaded to JPMorgan Chase debit cards until after the 10-day pre-note period of enrollment for The Bancorp Bank “ncKIDScards”.
When the enrollment process is completed, CPs receive an “ncKIDScard” and a welcome packet. CPs must activate the “ncKIDScard” by calling The Bancorp Bank Customer Service and providing their debit card number and the last four (4) digits of their Social Security number (SSN).
One card is issued per CP, based on the CP's MPI number. CPs can request up to five (5) secondary cards. If CPs request additional cards, they must actually transfer funds to the secondary cards, which gives CPs more protection and control. A card is good for four (4) years before it expires.
Child support payments are no longer sent by checks, and all future payments are automatically deposited in the “ncKIDScard” account within two (2) business days after the NCP's payment has been applied to the CP's case.
Upon receiving the "ncKIDScard", custodial parents (CPs) must activate it by calling The Bancorp Bank Customer Service at 1-877-776-9765 and providing their debit card number and last four (4) digits of their Social Security number (SSN). If a CP's “ncKIDScard” is lost, stolen, or damaged, the CP can get one (1) free replacement card per year.
While every effort has been made to keep costs associated with the “ncKIDScard” as low as possible, certain ATM fees still apply, such as inactivity fees, balance inquiry and monthly maintenance fees, or fees incurred when the card is used at an ATM outside the AllPoint network. Other fees also can apply.
To verify the account balance for the “ncKIDScard”, CPs can call Thr Bancorp Bank Customer Service, access the account online ("http://www.smionecard.com"), or verify the balance using an ATM machine. CPs also receive monthly electronic or paper statements for their “ncKIDScard” accounts.
If CPs have a balance remaining on their JPMorgan Chase “ncKIDScard” and have questions regarding the account, they can call the JPMorgan Chase Customer Service at 1-866-834-1120 or access the account online ("http://www.myaccount.chase.com").
When CPs contact the local CSS agency with inquiries related to their “ncKIDScard” or “ncKIDScard” account, CSS caseworkers should refer them to The Bancorp Bank Customer Service at 1-877-776-9759.
Custodial parents (CPs) can stop participating in the "ncKIDScard" program by requesting the direct deposit of their child support payments. A CP can request a change from “ncKIDScard” to direct deposit for various reasons, including the establishment of a new bank account.
Requests for direct deposit are submitted using the Authorization For Automatic Deposit Of Child Support (DSS-4718). CPs can obtain this authorization form by contacting the local CSS agency or the Customer Service Center or by downloading it from the DSS website: "http://www.ncdhhs.gov/dss/cse/eft.htm" or from the eChild Support website: "http://www.ncchildsupport.com".
For questions or clarification on any of the policy contained in these manuals, please contact your local county office.