Iowa Workforce Development Debit Card and Direct Deposit Information

Debit Card

The claimant may choose to have unemployment insurance (UI) benefit payment(s) deposited to an Iowa Workforce Development (IWD) Debit Card. The IWD Debit Card is valid for three years and will be used for current and any future UI benefit claims (even if the claimant does not activate the card). UI benefit payment(s) are deposited three to four business days after the claimant files the weekly continued UI claim, as long as the claimant meets all eligibility requirements. Holidays may delay the payment.

    The IWD Debit Card is issued and serviced by Bank of America. The IWD Debit Card allows faster, easier and more secure access to UI benefit payments which include:

    • Access to funds 24 hours a day, 7 days a week – no bank account required
    • Access cash at any ATM, bank, and credit union that accepts MasterCard ®
    • Can use the IWD Debit Card to make purchases and get cash back from merchants


    • Only IWD can update personal information with Bank of America (please contact IWD to report an address or a name change)
    • The IWD Debit Card account balance and transaction history is not available to IWD staff
    • The claimant must contact Bank of America to order a replacement card or to report a lost or stolen card
    • In the unlikely event that a purchase is approved for an amount over the remaining amount on the Card, the claimant will be responsible for the amount of any negative balance​

    Avoiding Fraud

    Sometimes criminals will try to trick individuals into disclosing personal information in a text, email or on a phone call. Phony emails may be directed to a fraudulent website that looks like a Bank of America website. These phony emails may even ask you to call a phone number and provide account information.

    Consider the following to help you identify fraud:

    • Bank of America will never ask for personal information, such as your Social Security Number, Personal Identification Number (PIN) or Prepaid Card Number in an email or text 
    • Offers sounding too good to be true often are, like if you are asked to fill out a short survey in exchange for money being credited to your account at the account number you provide (Bank of America will never request information in this way)
    • Receiving notification claiming your UI account may be closed if you fail to confirm, verify or authenticate personal information is also not compliant with Bank of America business standards

    If you receive a suspicious email or are directed to a website that also looks like Bank of America, report it to and then delete the suspicious email.

    Bank of America Contact Information

    Bank of America customer service is available 24/7 for debit card inquiries.

    Phone: 855-477-1137
    TTY: 866-656-5913

    • Check account balance
    • ATM locator
    • Review transaction history
    • Sign up for text or email alerts
    • Review frequently asked questions
    • Contact a representative​

    Direct Deposit

    The claimant may choose to have unemployment insurance (UI) benefit payment(s) directly deposited to a checking or savings account. UI benefit payment(s) are deposited four to five business days after the weekly continued UI claim is filed, if all eligibility requirements are met. Holidays may delay the payment.

    The claimant is enrolled in direct deposit if checking or savings account information was provided on the UI application at the time of filing. To start, stop or update direct deposit information, a Direct Deposit Agreement form must be completed.  Do not use the bank deposit slip to complete the form as the slip may contain internal banking information not used for direct deposit transactions.

    You are encouraged to verify bank routing and account numbers with your financial institution. It is the claimants responsibility to verify payment was deposited to the correct account and to resolve any direct deposit errors directly with the financial institution. IWD is not responsible for incorrectly reported account information. 

    IWD Contact Information

    Review these Frequently Asked Questions about Unemployment Insurance.

    To contact IWD for questions regarding an UI claim:

    Phone: 866-239-0843