24HourFlex Debit Card

About Your Debit Card

The 24HourFlex Debit Card is the most convenient way for you to access your FSA funds, because it allows you to pay for eligible medical and dependent care expenses at eligible merchants using money directly from your account instead of paying out of pocket. The 24HourFlex Debit Card functions just like a normal debit card, only allowing you to spend up to the available balance in your account. For more information, take a look at our Debit Card Frequently Asked Questions section below.

Debit Card Verification Timeline

What happens when we ask for verification after you have used your Debit Card? Click here or the button below for an explanation of the process from start to finish, including information on submitting documentation, card suspension, and sample notifications you might receive from 24HourFlex.

Frequently Asked Questions

I Enrolled in an FSA. How and When Do I Get My Debit Card?

Cards are automatically generated and mailed upon enrollment.  You should receive your cards within 7 to 10 business days of your enrollment being processed.

I Just Received My Debit Card. How Do I Activate It?

You can activate your card by calling 1-866-898-9795. This number can also be found on the sticker on the front of your card.

Why Do I Need to Submit Receipts?

The IRS requires all transactions to be substantiated.  There are however, a few instances where substantiation takes place automatically.  If a transaction is automatically verified, then a receipt may not be requested.  Eighty percent of all card transactions auto-substantiate.  Click here to find out more.

How Do I Know If I Need to Submit a Receipt?

We will notify you when a receipt is required to verify an expense.  Notifications are issued by email, snail-mail (if you have no email address), and via your consumer portal.  Click here for more information.

I Received a Request for More Information (RMI). What Do I Do?

If the provided information for an expense does not meet IRS requirements,  we will request more information.  The details of the request can be found under your Statements & Notifications tab.  Please click here to view our guide to understanding your RMI.

What Happens if I Don’t Submit a Receipt?

For every transaction that requires a receipt, you will receive multiple reminders to submit your receipts via email, snail mail (if you do not have an email), and in the Message Center of your Consumer Portal. If you do not submit a receipt to verify an expense within 30 days of the card transaction, your debit card will be suspended. After 45 days, the amount of the unverified transaction will be treated as an amount owed that you will need to repay to your account. For more information, visit our page that outlines the Debit Card follow-up processes and provides a timeline for submitting receipts.

Where Can I Use My Debit Card?

You can use your Debit Card at any location that is either set with an MCC code that identifies your purchase or service as a medical good or has an inventory control system that automatically recognizes your purchased items as being eligible for a Flexible Spending Account.

To find out where you can use your Debit Card, follow the link below and enter a location. If your location appears, your Debit Card will be accepted!

What Can I Purchase With My Debit Card?

The card will allow you to make quick convenient payments for qualifying services and expenses.  Eligible expenses are either medical, dental, or vision related.  Cosmetic procedures and general health items will generally not qualify.  Furthermore, dependent care FSA participants are able to use their cards with most care providers.  For a complete list of eligible expenses, please visit our eligible expense list by clicking here.

How Do I Repay an Amount Owed?

In the event of an expense not meeting IRS guidelines for eligibility, an amount owed will be created on your account.  The repayment will be applied back to your available balance.  Making the repayment is quick and easy.  Please click here to view our guide to making repayments.

How To…