FAQs

No, a credit check is not required to open an ABLE Visa® Prepaid Card. However, the federal government does require True Link to verify the identity of each cardholder who opens a Card account. When a Card account is opened, True Link will ask for the following information to attempt to verify the cardholder’s identity through an automated system: NameAddress (cannot be a PO Box)Date of birthSocial Security numberAdditionally, in the case that an Authorized Legal Representative (ALR) is serving as card administrator, True Link will request information from the ALR during Step 3 of the ABLE Visa Prepaid Card application.

There are no transaction fees with the ABLE Visa® Prepaid Card. You’re only charged a $1.25 monthly fee once you’ve activated your card.* Please note that the monthly fee is charged every month, regardless of how often you use — or don’t use — the card.*Other fees, terms, and conditions apply. Please see the Cardholder Agreement.

For existing customers, transfers scheduled before 4pm ET/1pm PT on a business day are available the next business day. For new customers, it can take 2-7 business days for the full amount of requested funds to be available. Once an account has been established for 21 days, transfers will be processed like those for existing customers.

In case of errors or questions about your card account, please contact True Link as soon as possible at 1-888-219-9054. Alternatively, you can write True Link Financial, Inc., at PO Box 581, San Francisco, CA 94104. True Link must allow you to report the potential error for up to 120 days after the transfer was credited or debited to your Card Account. You may request a written history of your transactions at any time by contacting True Link at 1-888-219-9054 or at the address above. You will need to tell True Link: (1) your name; (2) your Card Number, (3) why you believe there is an error, (4) the dollar amount involved, and (5) approximately when the error took place. If you tell True Link orally, they may require that you send them your complaint or question in writing within ten ...

You may obtain your balance information, along with a 60-day history of your account transactions, at no charge, by visiting ablecard.truelinkfinancial.com or by calling 1-888-219-9054. You also have the right to obtain a 60-day written history of account transactions by calling 1-888-219-9054 or by writing True Link Financial, Inc., at PO Box 581, San Francisco, CA 94104.

The card administrator can customize where the card can and can’t be used to make purchases, and settings can be adjusted to allow or block categories of spending and even block specific vendors.You can update the settings at any time by logging in to your ABLE Card administrator dashboard at able-for-all.truelinkfinancial.com. Once there, click the tab labeled “Spending Monitor” and click the toggle next to each setting you wish to change. Settings take effect immediately and save automatically.Please note: Since the ABLE Visa® Prepaid Card is a reloadable prepaid card, purchases can be made only with funds in the account.

If you would like to cancel your card, contact True Link at 1-888-219-9054 or visit ablecard.truelinkfinancial.com. Please do not allow others to use an expired, revoked, cancelled, suspended, or otherwise invalid card. If True Link cancels or suspends your card account privileges through no fault of yours, you will be entitled to a refund of any remaining balance, as provided in the Cardholder Agreement. Funds will be provided by check, made out and sent to the cardholder. True Link may additionally offer you the option of a refund by card-to-bank transfer at its discretion.

If your card is lost or stolen, please deactivate the card immediately to prevent additional transactions and protect against fraud. You can deactivate the card online, through the 24/7 automated phone system (1-866-984-8576), or by speaking with their Customer Support team at (1-866-984-8576) during True Link’s regular business hours, 6am-5pm PT. If you’d like to replace your card, you’ll need to close the account and order a replacement. You can request a new card online or by calling the Customer Support team. Once the new card arrives and is activated, any funds remaining on the lost card will be transferred automatically to the new card.

Yes. Once you receive your ABLE Visa® Prepaid Card, you can log in and set up customized restrictions on certain spending categories. You can also turn on text message alerts to notify you of a range of activity on your ABLE Visa Prepaid Card.**Standard text message rates, fees, and charges may apply.

The ABLE Visa® Prepaid Card can be used everywhere Visa debit cards are accepted, both online and in-store.

You can use your prepaid card anywhere Visa cards are accepted, including online bill-pay. Your card can be used for a number of everyday living expenses geared toward improving your health, independence, and quality of life. The list includes, but is not limited to:Reoccurring charges like living expenses, rent, transportation, etc.EducationEmployment, training, and supportAssistive technologyPersonal support servicesHealth, prevention, and wellnessFinancial managementAdministrative servicesLegal feesOversight and monitoringFuneral and burial costs…and morePlease note: If you use the card to pay for something that doesn’t qualify, you’ll have to pay tax on the growth, plus a 10% penalty on earnings for non-eligible expenses. Also, keep in mind that a portion of your non-qualified ...

No. Once money is moved from your account onto your ABLE Visa® Prepaid Card, it cannot be moved back into your ABLE account.

There is no limit to the number of times you can reload your card on a given day or month; however, withdrawals from the ABLE account to any ABLE cards may not exceed $5,000 per day and $20,000 per month.

Unfortunately, at this time, you are not able to set automatic transfers onto the card.

The ABLE Visa® Prepaid Card offers a convenient way for beneficiaries and Authorized Legal Representatives (also known as ALRs) to spend funds from their ABLE accounts.Here’s how to fund your ABLE Visa Prepaid Card:Log in to your account at www.sumday.com/loginOnce you’ve logged in, initiate a withdrawal directly to your ABLE Visa Prepaid Card by navigating to the Withdrawals page and selecting the Prepaid Card optionEnter the withdrawal amount from your investment option(s)Review the information, and then edit or confirm your withdrawalPlease note: Each card has a unique routing and account number. Once the funds have been added to the ABLE Visa Prepaid Card, you can begin to make transactions.

Even though your prepaid card can only be pre-loaded with funds from your ABLE account, it is not linked directly to your funds. True Link and Sunrise Banks N.A. issue and manage the card and features and allow you to add your ABLE funds to the card from your ABLE account.

True Link Financial, Inc. is a financial services provider that powers the ABLE Visa® Prepaid Card features and services.An innovator in the investment space, True Link has developed specialized fraud-detection algorithms that prevent common types of fraud and financial abuse. By partnering with True Link, ABLE gives cardholders access to custom features and controls. Cardholders have the option to set up restrictions on certain spending categories — important functionality for the disability community — and turn on SMS alerts to notify cardholders of a range of activity for added protection.

In just a few steps you can sign up to receive an ABLE Visa Prepaid Card. After you’ve registered, it takes about 6-8 business days to receive your card in the mail. For any subsequent cards, you may opt to pay for expedited shipping, which takes 2-4 business days. Then, once your card is activated, simply load it with funds from your ABLE account and you can start using it.

Just like the funds in your ABLE account, the funds on your ABLE Visa® Prepaid Card do not count as assets for state or federal benefits.