Q: I went to buy groceries and my EBT card was declined. My app says $0.00, but I didn’t spend it. Is this a glitch?
A: Likely not. If your balance dropped to zero overnight—specifically near the start of the month when benefits load—you are almost certainly a victim of card skimming.
In February 2026, we are seeing a massive spike in “Ghost Swipes.” Criminals place paper-thin overlays on card terminals at convenience stores and bodegas. They capture your magnetic stripe data and PIN, then clone your card to drain the funds instantly at an ATM hundreds of miles away.
Q: Can I get my stolen benefits back?
A: Yes, but the clock is ticking.
Under the extended federal protections for 2026, states must replace stolen SNAP benefits if you can prove electronic theft. However, you cannot just wait. Most states have a strict 30-day window to report the theft. If you wait until March, you might forfeit your February deposit.
Q: What is the first thing I should do right now?
1. Change your PIN immediately.
Do this through the ConnectEBT app or your state’s specific portal. If the scammers still have your data, they can keep checking your balance.
2. Request a new card.
Your current card is compromised. Do not use it again.
3. File a “Statement of Theft” (Affidavit).
You must submit a formal claim. This is usually a specific form (like the EBT-2259 in some regions).
Q: How long does reimbursement take?
It varies wildly by state. Because of the 2026 surge in claims, processing times have slowed.
| State Region | Estimated Replacement Time | Maximum Replacement |
| Northeast (NY, NJ, PA) | 10–15 Business Days | 2 Months of Benefits |
| South (TX, FL, GA) | 15–20 Business Days | 2 Months of Benefits |
| West (CA, WA, OR) | 5–10 Business Days | 1 Month of Benefits |
Q: How can I prevent this from happening again?
The magnetic stripe on EBT cards is outdated technology (unlike chip cards), making it vulnerable.
- Use the “Lock” Feature: Many state EBT apps (like Providers or the official state app) now allow you to “Freeze” your card when you aren’t in the checkout line. Keep it frozen 24/7 until you are actually paying.
- Wiggle the Reader: Before inserting your card, pull on the card reader slot. If it feels loose or bulky, do not use it.
- Cover Your Hand: Skimmers often use tiny hidden cameras to record you typing your PIN. Always cover the keypad.
Q: Who do I contact?
Do not call the police first; they cannot refund you. Call the number on the back of your EBT card or visit your local USDA SNAP State Directory to find your local office’s fraud department.
Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Always consult official government resources.
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