How to change your EBT card PIN and what to do if it is stolen

Content

• Why your EBT PIN matters
• How to change or reset your EBT card PIN
• What to do right away if your EBT card is lost or stolen
• What to do if you see unauthorized EBT transactions
• Ways to protect your benefits from scams and skimming
• When you may want extra help
• FAQ
• References

Why your EBT PIN matters

Your EBT card (Electronic Benefits Transfer card) is the way many states deliver benefits like SNAP (food benefits). The card works much like a debit card. In most stores, you access benefits by using the card at a checkout terminal and entering a 4-digit PIN.

That PIN is a key part of your security. If someone gets your card number and your PIN, they may be able to use your benefits.

The most common ways benefits get stolen include:

• Card skimming devices placed on a store terminal or ATM
• Hidden cameras or fake keypads that capture your PIN while you type it
• Scam calls, texts, or emails that trick you into giving your card number or PIN

If you suspect your PIN is known by someone else, changing it quickly is one of the best ways to stop additional transactions.

How to change or reset your EBT card PIN

EBT is run by your state, so the exact steps can differ. Most states offer at least one of these options: phone, in-person, and sometimes an online portal or app.

Before you start

You may be asked to confirm information to protect your account. Depending on your state, you might need:

• Your EBT card number
• The cardholder’s identifying information (for example, date of birth or ZIP code)
• Sometimes other security details your state uses to confirm it’s really you

If you’re a caregiver helping someone else, be sure you have permission to manage the account. Some states use an “authorized representative” process for this.

Option 1: Change your PIN by phone

For many people, the simplest method is calling the EBT customer service number printed on the back of the card.

Steps that usually work in most states:

• Turn the card over and locate the EBT customer service phone number.
• Call that number (avoid using phone numbers sent to you by text or voicemail).
• Follow the menu prompts for changing your PIN.
• Choose a new PIN that is hard to guess.
• After you update it, use the new PIN the next time you shop.

If you think a scammer may have your PIN, change it as soon as possible, even if no benefits have been stolen yet.

Option 2: Change your PIN at your local SNAP or social services office

Some states allow you to change your PIN in person at a county or local benefits office. This may be helpful if:

• You’re locked out after too many incorrect PIN attempts
• You don’t have reliable phone service
• You need help verifying identity information

If you’re not sure where to go, your state’s SNAP agency (or county office) can tell you the right location.

Option 3: Change your PIN through your state’s official website or app

Some states offer online tools that let you:

• Change your PIN
• Check balances and transactions
• Report a card lost, stolen, or damaged
• In some areas, lock or unlock the card between purchases

If you use an online option, make sure it is your state’s official site or a state-approved portal. If you’re unsure, start with your state SNAP agency’s website.

Choose a strong PIN

A strong PIN reduces the chance someone can guess it.

Tips that are widely recommended:

• Avoid simple patterns like 1111, 1234, or 9876
• Avoid repeated or consecutive numbers
• Don’t write your PIN on the card or keep it in your wallet
• Don’t share your PIN outside your household
• Cover the keypad with your hand when entering your PIN at a store or ATM

Many agencies also recommend changing your PIN regularly, especially right before your monthly benefits load.

What to do right away if your EBT card is lost or stolen

If your EBT card is missing, time matters. Acting quickly can help prevent more losses.

Do these steps as soon as you can:

• Call the EBT customer service number on the back of your card to report the card lost or stolen.
• Ask to have the card deactivated or blocked so it can’t be used.
• Request a replacement card through the process your state uses.
• Contact your local SNAP office or caseworker to report the issue and ask what to do next in your state.

If you’re worried you might not remember the customer service number during a stressful moment, consider writing it down now and storing it in a safe place at home (not in your wallet).

If you still have the card but think someone knows your PIN

Sometimes the card isn’t stolen, but the PIN may have been compromised (for example, after a suspicious terminal, a scam text, or a phone call that felt “off”).

If that happens:

• Change your PIN right away using the official customer service number or your state’s official portal.
• Check your EBT account for recent transactions you don’t recognize.
• Report suspicious activity to your local SNAP office promptly.

While you wait for a replacement card

If your state mails replacement cards, you may have a gap before the new one arrives.

While you’re waiting:

• Keep checking your account for unauthorized activity
• Ask your local office if there are emergency options in your state if you cannot access food
• If your state has a card lock feature, ask whether you can enable it going forward

What to do if you see unauthorized EBT transactions

Unauthorized charges can happen even if you still have your card. Many theft cases involve skimming or stolen card data.

Act quickly to stop more transactions

• Change your PIN immediately (using the customer service number on the back of the card or your state’s official method).
• Report your card stolen or compromised to customer service if you believe the card data was captured.
• Save any information you have about the suspicious transactions (date, time, store location, amounts).

Report the problem to your local SNAP office

Your local SNAP office is usually the place to report benefit theft and learn what options exist in your state.

When you contact them, it may help to have:

• Your case information (if you have it)
• The transaction details you don’t recognize
• A short timeline of what happened (for example, “I used the card at Store A on Monday, then saw charges Tuesday morning”)

Some states may require a specific form or claim process for electronic theft.

Ask about replacing stolen benefits

Rules for replacing stolen SNAP benefits have changed over time.

Important points to know:

• Federal authority for states to replace SNAP benefits stolen through skimming, cloning, or similar methods ended for theft occurring after December 20, 2024.
• Some states may still have their own programs or state-funded options, but eligibility and timelines can vary.

Because deadlines and documentation requirements can be strict, contacting your local SNAP office right away is your best next step.

Ways to protect your benefits from scams and skimming

You can’t control everything, but a few habits can lower your risk.

• Change your PIN regularly, especially before your monthly benefits are issued
• Cover the keypad every time you enter your PIN
• Inspect card readers when you can and avoid machines that look loose, damaged, or unusual
• Be cautious with late-night or rushed transactions, when it’s easier to miss tampering
• Do not share your PIN with anyone outside your household
• Be skeptical of urgent texts or calls claiming your benefits will be “shut off” unless you confirm your card number or PIN
• Remember: state agencies and EBT processors generally do not call or text asking for your PIN
• Check your account often so you can spot unauthorized charges early

If you’re supporting an older adult, it can help to agree on a simple routine, like checking the balance and transactions on the same day each week.

When you may want extra help

If you’re dealing with a stolen EBT card while also managing medical needs, caregiving, or multiple benefits programs, it can feel like a lot.

These Understood Care pages may be helpful:

• Application support and paperwork help: https://understoodcare.com/care-types/application-help
• Coaching for advocacy and making calls with confidence: https://understoodcare.com/care-types/education-for-self-advocacy
• Help keeping tasks and follow-ups organized: https://understoodcare.com/care-types/care-coordination‍

FAQ

• How do I change my EBT card PIN?
  In most states, you can change your PIN by calling the EBT customer service number printed on the back of your card and following the prompts. Some states also allow in-person PIN changes at a local benefits office, and some offer online options.
• What number do I call to reset my SNAP EBT PIN?
  Use the customer service number printed on the back of your EBT card. Avoid numbers you receive by text message or voicemail unless you can verify they are official.
• Can I change my EBT PIN online?
  Some states offer official websites or apps that allow you to change your PIN. If you use an online option, make sure it is the official state or state-approved portal.
• What should I do if my EBT card was stolen?
  Call the EBT customer service number on the back of the card immediately to report it stolen and deactivate it. Then request a replacement card and contact your local SNAP office for next steps.
• What if my EBT card wasn’t stolen, but I think someone knows my PIN?
  Change your PIN right away using the official customer service number or your state’s official portal. Then check recent transactions and report suspicious activity to your local SNAP office.
• Will SNAP replace stolen EBT benefits?
  Replacement rules depend on when the theft happened and your state’s policy. Federal authority for states to replace benefits using federal funds ended for theft occurring after December 20, 2024, but some states may have additional options. Contact your local SNAP office promptly.
• How often should I change my EBT PIN to prevent skimming?
  Some agencies recommend changing your PIN regularly, including right before your monthly benefits are issued, and immediately if you see suspicious activity.
• What information do I need to change my EBT PIN?
  Many states ask for your card number and additional identifying information for security. The exact details vary by state.

References

• Consumer Financial Protection Bureau. What should I do if my EBT card or PIN is lost or stolen, or I see unauthorized charges?
  https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-ebt-card-or-pin-is-lost-or-stolen-or-i-see-unauthorized-charges-en-2055/
• U.S. Department of Agriculture, Food and Nutrition Service (FNS). SNAP State Directory of Resources (state EBT websites and customer service numbers).
  https://www.fns.usda.gov/snap/state-directory
• U.S. Department of Agriculture, Food and Nutrition Service (FNS). Addressing Stolen SNAP Benefits (tips to protect benefits, change PIN, and report theft).
  https://www.fns.usda.gov/snap/stolen-benefits
• U.S. Department of Agriculture, Food and Nutrition Service (FNS). SNAP Sunset of Replacement of Stolen Benefits Plans (policy update on replacements after Dec. 20, 2024).
  https://www.fns.usda.gov/snap/sunset-stolen-benefits-replacement-plan
• U.S. Department of Agriculture, Food and Nutrition Service (FNS). SNAP EBT (program overview).
  https://www.fns.usda.gov/snap/ebt
• U.S. Department of Agriculture, Food and Nutrition Service (FNS). SNAP EBT Factsheet for New Retailers (includes how EBT is used and PIN entry at checkout).
  https://www.fns.usda.gov/snap/ebt/new-retailers-factsheet
• California Department of Social Services (CDSS). EBT Safety (PIN changes and theft prevention).
  https://www.cdss.ca.gov/ebt-safety
• California Department of Social Services (CDSS). EBT Card (what to do if your card is lost or stolen).
  https://www.cdss.ca.gov/ebt-card
• California EBT Project. Client FAQ (changing PIN, reporting stolen card, and next steps).
  https://www.ebtproject.ca.gov/Clients/clientfaq.html
• New York State Office of Temporary and Disability Assistance (OTDA). Electronic Benefit Transfer (EBT) brochure (PIN safety, reporting lost/stolen cards, and protective steps).
  https://otda.ny.gov/programs/publications/5004.pdf
• New York State Office of Temporary and Disability Assistance (OTDA). Protect yourself from EBT skimming (flyer).
  https://otda.ny.gov/programs/publications/5210.pdf
• Federal Bureau of Investigation (FBI). Skimming (how skimming works and protective steps).
  https://www.fbi.gov/how-we-can-help-you/scams-and-safety/common-frauds-and-scams/skimming
• U.S. Department of Agriculture, Food and Nutrition Service (FNS). SNAP EBT Chip and Tap Cards are Coming Soon (modernization update; PIN still required).
  https://www.fns.usda.gov/snap/ebt/modernization/retailer-notice/chip-tap-cards

This content is for education only and does not replace guidance from your local SNAP agency or EBT customer service. If you believe you’re experiencing active fraud or feel unsafe, contact local authorities right away.