Prepaid Card FAQs

Once you activate your card and load it with money from your ABLE account, you can use it everywhere in the United States where Mastercard is accepted. You may not use your [Washington State ABLE Prepaid Card for online gambling or illegal transactions. Learn more about qualified ABLE expenses.

You can either use “DEBIT” or “CREDIT” to process your transactions.

If you suspect an error, have questions about a transaction or want to dispute a transaction, contact us as soon as possible.

Yes, you can use your card to shop and pay bills on any website in the United States that accepts Mastercard. You may not use your Washington State ABLE Prepaid Card for online gambling or illegal transactions. Learn more about qualified ABLE expenses.

When purchasing gas, we strongly recommend paying inside at the cashier. If you choose to pay at the gas pump terminal outside (pay at the pump) you must have at least a $100 available balance on your card. If you don’t have at least a $100 available balance your purchase may be declined.

Yes, but please be aware that when the total amount due is unknown (for example when you check into a hotel). Merchants have the right to pre-authorize the purchase, which puts a hold on the funds. A restaurant, for example, might hold up to 20% or more to cover whatever you tip. To avoid this kind of hold, call hotels and rental car companies first to inquire about their prepaid card policy.

You can’t get cash back with the Washington State ABLE Prepaid Card.

No, the Washington State ABLE Prepaid Card cannot be used at an ATM or for cash back transactions.

A purchase transaction may read as “pending” until the merchant sends the final transaction amount. In some cases, the amount of a pending purchase could be 15-20% higher because it hasn’t cleared yet. Depending on the merchant, they might hold extra to account for charges or tips. This is true for gas stations, hotels, cruises, mail orders, barbers and beauty shops, taxis and limos, and most commonly – restaurants and bars.

A prepaid card can hold up to $15,000 at any given time. You can spend whatever is on your card, up to $5,000 within a single day and up to $30,000 per month using your prepaid card. Any transactions that exceed those amounts will be declined.  Please refer to your Cardholder Agreement for additional details.

If you do not have sufficient funds available on your Washington State ABLE Prepaid Card to process a transaction, you can request that the merchant charge a part of the purchase to your card and pay the remaining amount with cash or another card.  These are called “split transactions.”  Some merchants do not allow cardholders to conduct split transactions. If an authorization request for more than the available balance on your card is received, it will be declined.

If a merchant gives you a credit for merchandise returns or adjustments, the merchant may do so by processing a credit adjustment, which will be credited to the available funds in your Washington State ABLE Prepaid Card. Central National Bank of Enid and Marqeta are not responsible for the delivery, quality, safety, legality, or any other aspects of goods and services that you purchase with your card.

You may view your card transaction history by logging into your ABLE account online. From there, click on your ABLE account and then click on the Card tab to review your prepaid card account activity.

If you suspect an error, have questions about a transaction or want to dispute a transaction, contact us as soon as possible.

The card will have both the Authorized Legal Representative’s name and the beneficiary’s name on the card, so both of you can use it for eligible expenses.