EBT card fraud has been on the rise, and if you rely on SNAP benefits to feed your family, losing those funds to scammers can be devastating. The good news is that knowing what to watch for can help you protect your benefits.
In this article, we'll cover:
- How EBT fraud happens
- Common scams targeting SNAP recipients
- Warning signs your card may be compromised
- Steps to protect your benefits
- What to do if you're a victim
1. How EBT Fraud Happens
EBT fraud typically occurs in a few ways:
Skimming devices: Criminals attach devices to card readers at stores or ATMs that capture your card information when you swipe. They may also use hidden cameras to record your PIN.
Phishing scams: Fraudsters contact you pretending to be from your state benefits office, trying to get your card number and PIN.
Card theft: Physical theft of your card, often combined with shoulder surfing (watching you enter your PIN).
Data breaches: Hackers access state benefit systems or retailer databases containing EBT information.
Important: Your state will never ask for your full EBT card number or PIN via text, email, or phone. Anyone who does is trying to scam you.
2. Common Scams Targeting SNAP Recipients
Watch out for these frequent scams:
"Benefits increase" texts or calls
- Claims you qualify for extra benefits
- Asks you to "verify" your card number
- Often includes a link to a fake website
Fake customer service numbers
- Scammers post fake EBT helpline numbers online
- When you call, they ask for your card details
- Always use the number on the back of your card
Social media marketplace scams
- Offers to buy your EBT benefits for cash
- Illegal and can result in losing your benefits permanently
- Scammers may take your card info and steal everything
"Your card has been locked" messages
- Urgent texts claiming your card is frozen
- Links to fake websites to "unlock" your account
- Designed to create panic so you act without thinking
3. Warning Signs Your Card May Be Compromised
Check for these red flags:
- Transactions you don't recognize on your account
- Benefits disappearing faster than your spending explains
- Purchases at stores you've never visited
- Transactions in cities or states you haven't been to
- Your card being declined when you know you have a balance
- Notifications about PIN changes you didn't make
Important: Check your EBT balance regularly—at least weekly. The sooner you catch fraud, the better your chances of recovering your benefits.
4. Steps to Protect Your Benefits
Protect yourself with these practices:
Guard your PIN
- Never share your PIN with anyone
- Cover the keypad when entering your PIN
- Don't use obvious PINs like 1234 or your birth year
Inspect card readers
- Look for loose or unusual attachments on card readers
- Wiggle the card slot—skimmers are often loosely attached
- Use chip readers when available instead of swiping
Secure your information
- Don't respond to texts or emails asking for card details
- Only use official state websites and phone numbers
- Be suspicious of anyone claiming to be from your benefits office
Monitor your account
- Check your balance frequently
- Review transaction history regularly
- Set up alerts if your state offers them
5. What to Do If You're a Victim
If you discover fraudulent transactions:
Act immediately:
- Call your state's EBT customer service (number on your card)
- Report the unauthorized transactions
- Request a new card and PIN
- Ask about the fraud investigation process
Document everything:
- Screenshot or write down the fraudulent transactions
- Note dates, amounts, and merchant names
- Keep records of all calls and reports you make
File additional reports:
- Contact local police to file a report
- Report to your state's fraud hotline
- Consider filing a complaint with the FTC at reportfraud.ftc.gov
Important: Many states now offer reimbursement for EBT fraud under federal guidelines. Ask your caseworker about your state's policy and what documentation you need for reimbursement.
6. How Purple Helps Keep Your Benefits Safe
While Purple focuses on Social Security and disability benefits rather than SNAP, we understand that many people in our community rely on multiple benefit programs. Purple is built with security and protection as core values:
- Real-time alerts: Know immediately when transactions occur
- Easy monitoring: Clear transaction history that's simple to review
- No skimming risk: Digital-first approach reduces physical card vulnerabilities
- Fraud protection: We work quickly to address any unauthorized activity
- Accessible support: Reach real people who understand benefits and can help
Managing any kind of benefits comes with responsibility. Whether it's your EBT card or your Social Security funds, staying vigilant protects the money you and your family depend on.
If you're looking for a safer, smarter way to manage your disability benefits, Purple is built with your security in mind. Learn how Purple can help protect what matters most.