Preventing SNAP Benefit Theft: How to Protect Your EBT Card from Fraud

Electronic Benefit Transfer (EBT) cards, which allow Supplemental Nutrition Assistance Program (SNAP) recipients to access their benefits, have become a target for thieves using advanced skimming and scamming techniques.

With a rise in these theft cases, particularly in states like California, it is crucial to understand how to protect your EBT benefits. This article provides the latest tips and strategies to prevent EBT theft and what to do if your benefits are stolen.

What is EBT Theft?

EBT theft typically occurs in two ways:

1. Skimming: Thieves place devices on card readers at ATMs or point-of-sale (POS) terminals to steal EBT card information, including the PIN. Once the data is stolen, they create counterfeit cards to access the benefits.
2. Scamming: Fraudsters deceive recipients into revealing their EBT card information, PIN, or Social Security number by impersonating officials through phone calls, text messages, or emails.

California’s Rise in EBT Theft

California, like many other states, has seen a significant rise in EBT theft. Between January and September 2023 alone, over $3 million worth of SNAP and cash benefits were stolen from residents through skimming and other fraudulent methods.

These rising cases prompted the state to introduce more stringent security measures and educate recipients on protecting their benefits.

How to Prevent Your EBT Card Benefits from Being Stolen

To safeguard your benefits, you must adopt a proactive approach. Here are several effective methods:

1. Protect Your PIN

• Never share your PIN with anyone, even family members.
• Change your PIN regularly, ideally before every benefit distribution or after large transactions. There is no limit on how often you can change your PIN.
• Cover the keypad when entering your PIN at any ATM or POS terminal to avoid cameras capturing your input.

2. Inspect Card Readers

• Before using your EBT card, inspect the card reader for any unusual devices or loose parts. Skimming devices can be small and easily disguised.
• Avoid ATMs or POS terminals that look tampered with, especially those that require you to enter your PIN more than once.

3. Monitor Your Account

• Check your EBT account regularly for any unauthorized transactions. If you notice suspicious activity, change your PIN immediately.
• You can use the ebtEDGE app to track your benefits, freeze your card, and manage transactions securely.

4. Beware of Phishing Scams

• Scammers may impersonate CalWORKs or EBT officials and send fake messages claiming your card is compromised. Never provide your card number or PIN in response to unsolicited calls or texts.
• Contact your local county office directly if you receive suspicious communication.

5. Use Secure ATMs

• Avoid using ATMs that appear to have unusual signage or require extra steps like entering your PIN multiple times. These could be signs of skimming devices.
• If possible, limit cash withdrawals to avoid keeping large balances on your card, reducing the risk of losing significant amounts if theft occurs.

What to Do If Your EBT Benefits Are Stolen

If you suspect your benefits have been stolen, you must act quickly to minimize further loss:

1. Contact Customer Service: Call the number on the back of your EBT card (877-328-9677) to report the theft and cancel your card. You can also contact your local caseworker to initiate the process.
2. File an EBT Theft Report: In California, you’ll need to complete an EBT 2259 form to officially report the theft. If your cash benefits were stolen via a scam, also file an EBT 2259A form.
3. Replacement of Benefits: Some states now allow for the replacement of stolen benefits, thanks to the Consolidated Appropriations Act of 2023. However, replacement is typically limited, and you must report the theft promptly.

Key Security Features to Protect Your Benefits

California has introduced several key features through its ebtEDGE app to help recipients protect their benefits:

• Biometric Login: Use fingerprints or facial recognition to log in securely.
• PIN Reset: Easily reset your PIN if you suspect any unauthorized activity.
• Freeze Card: Temporarily block transactions if you suspect your card has been compromised.
• Transaction History: View up to 365 days of transaction history to monitor for suspicious activity.
• Block Internet Transactions: You can block certain types of transactions, like online purchases, for added security.

Key Tips for Preventing EBT Theft

Prevention Method	Description
Protect Your PIN	Never share your PIN and change it regularly.
Inspect Card Readers	Look for loose or altered devices before using card readers.
Monitor Your Account	Regularly check for unauthorized transactions.
Avoid Phishing Scams	Ignore suspicious calls, texts, or emails asking for your PIN.
Use Secure ATMs	Avoid ATMs with unusual features or signage.

Conclusion

With the rising cases of EBT theft, especially through skimming and scamming, it is essential to take proactive steps to protect your benefits.

By following the tips outlined in this article—such as changing your PIN regularly, inspecting card readers, and monitoring your account—you can significantly reduce your risk of falling victim to these theft schemes. Remember to act fast if your benefits are stolen, as timely reporting is critical for recovering lost funds.

FAQs

References

• For detailed information on EBT theft and prevention, please visit the California Department of Social Services website or contact your local county office.
• The ebtEDGE app offers secure tools to manage and protect your EBT benefits.