Payment Information

Payments - IWD debit card or Direct Deposit

IWD Debit Card

When you file an unemployment insurance claim and have selected to receive payment by a U.S. Bank ReliaCard®, a card will be mailed to you. The card will not expire for three years, so please do not destroy the card. If you have received a card in the last three years, the card is still valid and payments will be issued to that card. The ReliaCard provides the quickest form of payment for unemployment benefits.

The benefit payment is deposited three to four business days after the weekly claim is filed, if all eligibility requirements are met. Holidays may delay the payment.

The ReliaCard is issued and serviced by U.S. Bank. A new card may take up to 10 business days to arrive. Through the ReliaCard cardholder website, you can:

  • Check your account balance.
  • Review transaction history.
  • Sign up for balance alerts (text messages and email).
  • Sign up for notification of deposits by email.

You can also download the ReliaCard mobile app to manage your debit card.

The ReliaCard customer service is available 24/7 for card inquiries at:


  • U.S. Bank ReliaCard Pre-Acquisition Disclosures
  • Only IWD can update your personal information for the ReliaCard.
  • Address or name changes should be reported to IWD.
  • Card account balance and transaction history are not available to IWD staff.

You must contact U.S. Bank to order a replacement card or to report a lost or stolen card.  

The ReliaCard is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A Inc. © 2020 U.S. Bank. Member FDIC.


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

Direct deposit cannot currently be added to an unemployment insurance claim unless you filed a claim after March 31, 2019.  We are working on making updates to allow customers to add and make changes to direct deposit at anytime while filing for unemployment insurance.  Those options should be available in the next few months.

It is  your responsibility to verify the benefit payment was deposited into the correct account and resolve any direct deposit errors directly with your financial institution. IWD is not responsible for incorrectly reported routing and/or account information. Funds that are deposited into an incorrect account may not only delay your payments, but also may not be recovered or returned to IWD or you.

In an effort to safeguard sensitive information, IWD will have limited access to updating account information.  IWD will not accept any paper forms to change account information. If you do not wish to update your account information online when you file an unemployment insurance claim application, the IWD Debit Card will be the default payment method.

Expectations for Payments

If you do not already have a IWD Debit Card, the quickest way to receive your payment during the COVID-19 pandemic is through direct deposit.  After you have applied for unemployment insurance payments, your payments will take some time to be issued to you as your claim is processed.  If you have elected to receive your payment by direct deposit, it can take 7-10 business days to receive a payment.   If you have selected a IWD debit card and have not been issued a card before, it can take over 10 business days currently to receive your card in the mail.  It is like that payments will be loaded on the card prior to you receiving by mail.

Payment issue date 

The payment issue date is the date that IWD has sent a payment to your debit card or personal checking or savings.  This date does not mean that your payment will be on your card or in your bank account on this day.  The standard time to receive your payment on the IWD Debit Card is 3 business days aftger the payment is issued.    If you have selected direct deposit, the standard time to receive your payment in your account is 4 business days.

IWD Contact Information

Review these Frequently Asked Questions about Unemployment Insurance.

To contact IWD for questions regarding an UI claim:

Phone: 1-866-239-0843

Notice to Bank of America Cardholders: 

Iowa Workforce Development has changed prepaid card providers

What's happening: As of January 27, 2021, your Bank of America debit card will no longer receive deposits from Iowa Workforce Development. Your Bank of America card account will remain active until May 31, 2021.

What to expect: Iowa Workforce Development has already issued replacement cards with our new prepaid service provider, U.S. Bank. 

What you need to do: Prior to May 31, 2021, you may continue to use your Bank of America debit card until the remaining funds are exhausted. If your card expires prior to that date it will not be reissued. To transfer funds to your existing checking or savings account, select the “Transfer funds” option on the Bank of America website. The website URL is listed on the back of your card. Your card also remains subject to the terms of the Bank of America cardholder agreement. 

  • If your card is lost or stolen, replacement cards will only be issued prior to March 31, 2021. After that time you will need to contact Bank of America to retrieve your funds. 
  •  If there are funds remaining in your card account on June 1, 2021, you will need to contact Bank of America to retrieve your funds. 
  • To retrieve funds from Bank of America after your card is closed, call the number on the back of your card. Bank of America will assist you with obtaining your remaining balance with options including the ability to transfer funds to an existing checking or savings account through the “Transfer Funds” option on the Bank of America cardholder website, or through an Emergency Cash Transfer (Western Union). If you require the funds by check, it will take time to process. During that time you will not have access to your money, so it is important to use or withdraw those funds before the deadline if you want to avoid delays.
  • As Iowa Workforce Development will no longer be funding these cards, Bank of America may at any time close your account once your balance reaches zero.