Oregon State Treasury


Prepaid Cards

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ORS 293.875​ designates the State Treasurer as the sole banking and cash management officer for the state.  Via that designation, Oregon State Treasury (OST) has broad authority to review, establish, and modify policies and procedures for the efficient handling of cash and cash equivalents under the control of all state agencies, including universities.  OST acts as the bank for all state agencies, contracting with private banks and financial service providers to deliver a variety of cash management services to those agencies.

Additionally, OST negotiates with our financial service provider to offer a variety of optional cash management services that agencies may choose to utilize.  Via our negotiations with our provider, we ensure that all public depository and other regulatory requirements for these services are met.  For these optional services, agencies may choose to contract with other vendors as long as their normal contracting process is followed and OST Third Party Vendor Policy (02.18.14.PO) requirements are met.  

Prepaid Card Overview

OST works with state agencies to determine the most cost effective method to handle funds whether it be receipting or disbursing. In recent years, calls to gain efficiencies, streamline processes, increase security measures, and cut costs, both to the state and to customers, have resulted in several agencies making decisions to move towards electronic disbursement methods.  Some agencies provide electronic funds transfer as an option for distribution of funds. Others have mandated electronic methods. When an agency mandates electronic methods of disbursing funds, the customer has the option of using their own electronic deposit solution, such as a checking account, savings account, or reloadable prepaid cards.
U.S. Bank ReliaCard
When a customer is unable or unwilling to provide their own deposit alternative, the state currently contracts with U.S. Bank to provide a prepaid card solution for state agencies.  It is recommended that agencies meet with OST to review banking needs as a first step in considering electronic payment methods.  Prepaid card solutions are beneficial for the unbanked when looking at moving toward electronic payments.  Programs that are currently utilizing the U.S. Bank ReliaCard solution include:

U.S. Bank Focus Card
All state employees now have the opportunity to deposit all or a portion of their pay directly to the U.S. Bank Focus Card.  You do not need a bank account to have your pay deposited to a card.  More information regarding the Focus Card program can be found by visiting the Oregon Statewide Payroll websitePrograms that are currently utilizing the Focus Card solution include:

Agency Readiness

Prepaid reloadable card solutions are a cost effective alternative to paper checks. Utilization of prepaid card solution is simply another vehicle for direct deposit through standard ACH funding to payroll and benefit recipients. Before implementing a prepaid solution, agencies should take time to evaluate their customer base and their need for alternate means of receiving funds electronically, determine their staff capacity and commitment in implementation and subsequent communication to customers, as well as considering mandating electronic payments.  A prepaid solution is a key component in a mandated environment, as certain state laws pertain to mandating payments, such as development of administrative rules and access to payroll funds.  Before deciding to implement a prepaid card solution, contact Customer Solutions .

Prepaid Card Implementation

OST coordinates with U.S. Bank and our customers to determine the best prepaid card solution based on proposed cardholder demographics and payment types.  U.S. Bank provides direction through an agency's prepaid card program implementation.  Each agency that participates in the state's prepaid card program will be required to sign an interagency Agreement as well as have the ability to originate ACH transactions as the prepaid cards are funded via ACH.


U.S. Bank ReliaCard

The U.S. Bank ReliaCard  is a reloadable, prepaid debit card that select Oregon agencies use to make electronic benefit payments to recipients. The card is offered as one option for State of Oregon benefit recipients to receive payments. Other options include Direct Deposit of funds to a recipients checking or savings account, or even to a reloadable, prepaid debit card of the recipients selection.  Each State Agency has a different process for sign up and notification of benefits. 
If you are a ReliaCard cardholder and have questions about an individual card, please review the Cardholder Information Guide or contact ReliaCard Customer Service at the following number related to your benefit program:
Employment: 855-279-1270
Child Support: 855-254-9746
SAIF: 855-254-9819 

U.S. Bank Focus Card 

The U.S. Bank Focus Card is a reloadable, prepaid debit card that Oregon agencies use to make electronic payroll payments to employees. The card is offered as one option for employees to receive State of Oregon payroll payments. Other options include direct deposit of funds to an employee's checking or savings account.
If you are an Focus Card Cardholder and have questions about an individual card, please see Oregon Statewide Payroll website or contact Focus Customer Service at:


Interagency Agreement 

Agencies that wish to participate in the prepaid card program, will be required to execute an Interagency Agreement between the Agency, OST, and U.S. Bank.

Mandating Electronic Payments

Electronic payment mandates are business decisions that are legislatively authorized and made at the discretion of the agencies responsible for disbursing payments. It is important to understand that where an electronic mandate exists, it is NOT the use of the state offered prepaid card program itself or any other prepaid card that is mandated; it is simply the use of an electronic funds transfer option.  

In accordance with ORS 293.525​, in order to mandate electronic payments, agencies are required to write an Administrative Rule in coordination with the State Treasurer's Office. Below are some examples of State Agencies that have mandated electronic payments along with their supporting OAR.  

Escheatment of Funds

Escheatment of funds is a mandated process to ensure unclaimed property (ORS 98.336​) is not held indefinitely by holders, such as Financial Institutions.  Agencies are responsible for managing the escheatment of unclaimed funds based on Administration of Unclaimed Property (OAR 141-045).
With the state's prepaid card program, U.S. Bank takes on the responsibility for the processing of unclaimed property based on Oregon law and agencies are no longer responsible for ensuring the transfer of unclaimed property to the Department of State Lands.

ReliaCard Cardholder Information Guide 

The Cardholder Information Guide is a resource for agencies to offer to their benefit recipients as well as to serve as a tool to help inform an agencies daily interaction with customers surrounding cardholder inquiries.

To view the entire Cardholder Information Guide in .pdf format, click here

The guide can also be viewed on this website by selecting a specific section or simply scrolling down the screen.

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The U.S. Bank ReliaCard is a reloadable, prepaid debit card that select Oregon agencies use to make electronic benefit payments to recipients. The card is offered as one option for receiving your State of Oregon benefit payments.  Other options include direct deposit of funds to your own checking or savings account, or even to a reloadable, prepaid debit card of your own selection.  Each state agency has a different process for sign up and notification of benefits. Please visit the links below for more information about specific agency programs.

The ReliaCard is not a credit card. Instead, it works similarly to other debit cards. The card does not help establish credit history as no credit check or approvals are required to receive the card.

Successful identity verification is required. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Convenient - Withdrawal cash at ATMs 24 hours a day and make purchases anywhere debit cards are accepted, including retail stores, grocery stores, restaurants and pharmacies. The card may also be used to pay bills via bill pay, and for online, phone and mail order purchases. Some fees may apply. A full schedule of fees can be found here.

Reliable - Payments are automatically deposited to your account on time, which means no more lost or stolen checks and no more check cashing fees. Provides quick access to pay without waiting in line to cash or deposit a check.

Secure - No need to carry large amounts of cash. Funds are protected by the VISA Zero Liability Policy and are FDIC insured.


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For security reasons, the card will arrive in a plain, white, window envelope with your program name and an Indianapolis, Indiana return address.

Information Mailed with the Card

  • Instructions on how to activate the card and fee schedule
  • The cardholder agreement, which discloses terms and conditions
  • A usage guide detailing where and how the card can be used
  • The U.S. Bank Privacy Pledge

After you Receive the Card

After receiving the card in the mail, you must call Cardmember Services at the number listed below related to your benefit program to activate the card and choose your Personal Identification Number (PIN):


          Employment: 855-279-1270
          Child Support: 855-254-9746
          SAIF: 855-254-9819


You cannot use the card until it has been activated. Be sure to sign your name on the back of your card in ink. Your card is not valid unless it’s signed.

Keep Your Card and PIN Secure

  • Your card is like cash, keep it safe and secure
  • Choose a PIN that only you would know
  • Do not share the PIN or the card with anyone
  • You should never write your PIN on your card
  • If you forget your PIN, call Cardmember Services
  • The PIN is also required when accessing cardholder information online


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Call Cardmember Services 24 hours a day at the number listed below related to your program to take the following actions:

  • Activate the card
  • Choose/Change PIN (Personal Identification Number)
  • Balance inquiry
  • Review recent transaction history, including deposits
  • Report card lost or stolen and have it reissued
  • Report an address change (you will also need to call your issuing agency)
  • Speak to a live representative if additional assistance is needed
          Employment: 855-279-1270
          Child Support: 855-254-9746
          SAIF: 855-254-9819


For questions about your funds, such as when you will receive the next deposit to the card, or the amount of a deposit to the card, contact the issuing agency.

Fraud Protection

If the card is lost or stolen, call Cardmember Services to report it immediately and they will send a new one. The remaining balance from the old card is transferred to the new card. Future payments will be deposited to the new card. You may not be responsible for any fraudulent activity that occurs on your card provided that you report the card missing in a timely manner, and have not shared your card or PIN number with anyone. The Visa Zero Liability Policy protects you against unauthorized purchases for U.S. issued cards only.  This does not apply to ATM transactions or to PIN transactions not processed by Visa.  You must immediately report any unauthorized use. See Cardholder Agreement for details

Address Change

Contact Cardmember Services to report an address change.  Also contact your agency to report an address change so that your mail may also be sent to the correct address.


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How to use your card for free

  • Unlimited U.S. Bank ATM cash withdrawals
  • Unlimited VISA bank teller cash withdrawals
  • Two free non-U.S. Bank cash withdrawals, per month
  • Automated balance inquiry via phone and internet
  • Email alerts  (Standard messaging charges apply through your mobile carrier and message frequency depends on account settings.)

Current Fee schedule

Click here for the current fee schedule

Manage Your Card Balance

You can check your card balance in a variety of ways:

  • Phone - Call Cardmember Services
  • Text - Text a shortcode* to get your balance 
  • Alerts - Sign up to receive free email or text alerts when funds have been deposited to your account or when your balance gets low
  • ATM - Perform a balance inquiry at an ATM

NOTE: Bank tellers, whether they are U.S. Bank or not, will NOT be able to provide balance information.

*A shortcode is a 5-digit number similar to a phone number that you can text commands to.  For example, once you have enrolled in alerts online, you may text the word “BAL” to 42265 and you get a text message reply with your account balance.

Manage Your Card Online

You can manage your account online at anytime at www.USBankRelia​Card.com. Actions you can take include:

  • PIN change
  • Balance inquiry
  • View transactions
  • View statements
  • Alert Notifications - You have the option of signing up for text or email alerts such as the addition of funds, low balance, zero/negative balance, and change of address.  Log in to the cardholder website and click the “Alerts” tab to learn more 

Manage Your Card from a Cell Phone

If your cell phone is an internet enabled “smartphone” you can use the ReliaCard Mobile Banking App to check your account balance or view your most recent transactions. The App is available to download for free at the cardholder website, in the iTunes store or Google Play.  You can also check your balance or access a mini statement by texting us a shortcode. Log in to the cardholder web​site and click the “Alerts” tab to learn more.


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You can get cash using your card in a variety of ways. These include withdrawals from an ATM, cash request from a teller, and cash back at point-of-sale purchases.  Some fees may apply.  A full schedule of fees can be found here.

Cash at an ATM

You can obtain cash from any VISA or Plus-branded ATM

  • Insert or swipe your card and enter your 4-digit PIN
  • Select “Withdrawal from Checking”
  • Enter the amount to be withdrawn

Cash from a Bank Teller

Go to any Bank or credit union that accepts VISA

  • Have your ID ready to verify your identity
  • You must know your available balance as the teller will not have access to this information
  • Ask for a cash withdrawal in the amount you wish to withdraw

Cash Back With Purchases

You also can get cash back on purchases at participating merchants throughout the United States, such as grocery and discount stores**. 

  • When the authorization machine asks for credit or debit, select ‘debit'
  • Enter the 4-digit PIN
  • Select ‘Yes’ for cash back
  • Enter the amount, press ‘OK’

** Please note that not all merchants allow for cash back


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The card works much like other prepaid or debit cards. You can use it online, over the phone, at grocery stores, retail stores, restaurants, medical offices, etc. It is important to know your account balance before making a purchase.

When making a purchase at Point of Sale 

  • Using the authorization machine
  • Select CREDIT to make a purchase with NO cash back
  • Select DEBIT to make a purchase WITH cash back
  • For Debit purchases you will have to enter your PIN

When making a purchase Online

  • Choose “Credit Card” as the payment option
  • Enter your card number on the front of the card
  • Enter the 3 digit code on the back of the card


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Q:  Do I need to have an existing relationship with the U.S. Bank or any other bank?


Q:  Will I earn interest on the funds on my card?

No. The money remaining on the card does not earn interest.

Q:  Does the ReliaCard work at gas stations?

Yes. However, you can only use the ReliaCard at gas stations that offer indoor cashier service. ReliaCard will not work at an outdoor pay-at-the-pump fuel dispenser.

Q:  How does the State deposit money onto the card?

The State electronically deposits funds to the card. This allows funds to be sent quickly, safely, and dependably. Holidays and weekends will lengthen the amount of time needed for a disbursement to reach your account.

Q:  Can I add funds to my card in addition to what the State puts on it?

No, only the State can deposit funds to the card. Holidays and weekends will lengthen the amount of time needed for a disbursement to reach your account.

Q:  Can I request additional cards for another individual, such as a family member?

No, only the recipient to whom the State is issuing payments will receive a card.

Q:  If decide to switch payments to be directly deposited into a checking or savings account, what happens to my card?

You can continue to use your card until any remaining balance has been used.

Q:  Is a PIN (Personal Identification Number) needed to use the card?

Yes and no. You can use the ReliaCard to make signature-based purchases without a PIN. However, you must use a PIN for cash withdrawals at ATMs, or when selecting “debit” at the point of sale. You will choose your own PIN by calling Cardmember Services​ after you receive your card. For security reasons, it is important that you pick a PIN that only you would know, and that you do not share the PIN or the card with anyone. You should never write your PIN on your card. If you forget your PIN, call Cardmember Services.

Q:  How does the ReliaCard work?

You can use the ReliaCard to make purchases everywhere Visa debit cards are accepted, including places like grocery stores and restaurants. You can even use the card to pay bills, and for online, phone, and mail orders. You also can get cash from any Visa or Plus-branded ATM worldwide, or from any bank teller that accepts Visa. The dollar value for purchases or cash withdrawals is automatically deducted from the available funds on the card.

Q:  How do I qualify for the card?

No approval is required. If you receive payments and have a social security number, you qualify. If you want to receive your payments on a ReliaCard, you can sign up, regardless of past credit or banking history.

Q:  Can someone else use my card? 

For security reasons, you should never share your PIN or allow anyone else to use your card.

Q:  What are the fees associated with this card?

A list of fees will be provided to you when you receive your card.  The fee schedule can be found by clicking here.

Q:  Where can I use my ReliaCard?

The ReliaCard can be used to make purchases everywhere Visa debit cards are accepted; millions of merchants nationwide including places like grocery stores, restaurants, ATM's and tellers.  The card can even be used to pay bills, and for online, phone, and mail orders.

Q:  Can I contact my local bank or the local U.S. Bank for customer service on my ReliaCard account?

No.  You must direct all of your ReliaCard questions to the toll-free Cardmember Services​ number. You may also utilize the website for inquiries.

Q:  Do I receive a new card every time a payment is made?

No. All future payments will be automatically deposited onto the initial ReliaCard. If the card is ever lost or stolen, U.S. Bank will send you a new one. Subsequent payments will go automatically to the new card, along with any remaining available balance from the old card.

Q:  Will I receive a monthly paper statement in the mail?

Cardholder monthly statements are available online at USBankReliacard.com​.  U.S. Bank will not  provide paper statements, unless you specifically request to receive them.

Q:  Do I have to go to a U.S. Bank ATM or U.S. Bank branch to get cash?

No. You can obtain cash from any Visa or Plus-branded ATM throughout the world, or over the counter at any bank or credit union that accepts Visa. You also can get cash back on purchases at participating merchants throughout the United States, such as grocery and discount stores.

Q:  When using an ATM to withdraw funds, which selection (checking, savings, or credit card) do I choose? 

You should select "checking" when making a withdrawal at any ATM.

Q:  Can the State view or track my transaction activity?

No. For privacy reasons, U.S. Bank does not share card account numbers or transaction details. However, for reconciliation purposes, the agency that issues your payment does have access to the amount and date of deposits to individual accounts.

Q:  Is there a daily maximum amount I can take from my ReliaCard account?

In order to lessen the risk of loss due to fraud or theft, U.S. Bank has the following limits on the dollar amounts of transactions:

  • You may withdraw up to $1,525 from an ATM each day
  • You may withdraw up to $5,000 from a financial institution each day
  • You may buy up to $4,000 worth of goods or services using point-of-sale each day

Q:  Is there a limit to how many times I can use my card each day?

In order to lessen the risk of loss due to fraud or theft, U.S. Bank has the following limits on the frequency of transactions:

  • You may make only 5 cash withdrawals from an ATM each day
  • You may make only 5 cash advances from a financial institution each day
  • You can make only 20 point-of-sale transactions each day

Q:  Can I make a purchase for more than the amount on my card?

If you need to make a purchase for more than the amount you have on your card, you will need to use two forms of payment. Tell the cashier how much you want taken from the balance on your card - the cashier cannot determine your available balance. Then, pay the remaining balance with cash, check, credit card or debit card.

Q:  Can the card be overdrawn?

Normally you can only access the amount of funds available to you. However, under certain circumstances, such as restaurant tips, the card can become overdrawn. An overdrawn card will result in a negative balance, for which you would be liable as the cardholder. Typically, the negative balance would be deducted from the next automatic funding to the card.  U.S. Bank does not access an overdraft fee.

The ReliaCard is issued by U.S. Bank National Association. Member FDIC. (c) 2013 U.S. Bank.

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 If you have questions about the program that you receive funds for,
please contact that agency directly. 

If you are interested in the Prepaid Card Program or have questions about the above information, please contact a member of Customer Solutions
by sending an email to: