STABLE Card Information

Put Your Money to Use with the STABLE Card

The STABLE Card is a debit card you can use to easily spend money from your STABLE Account. To request a STABLE Card, visit  The card is available to all current STABLE Account holders at no cost!

The STABLE Card is a loadable prepaid debit card.  It does not pull money directly out of your STABLE Account. Instead, you choose a specific amount of money to withdrawal from your STABLE Account and load onto your STABLE Card.  You can load as much or as little onto your card as you want, up to $15,000. You can use your STABLE Card to spend money anywhere Visa is accepted. Although it is a loadable card, it works just like a regular debit card. 

If you are the Authorized Legal Representative for an individual with a disability, you will be issued the primary card, but you can also request a companion card so that both you and the beneficiary have STABLE Cards.


Let the STABLE Card Keep Records and Track Expenses for You

Once you receive your STABLE Card, you can set up an online card login by visiting  When you login to your STABLE Card portal, you can easily view, sort, and categorize all of your expenditures in one place.  The STABLE Card portal allows you to mark every expense you make as either "Qualified" or "Non-Qualified." You can upload images of receipts and write personal notes on every transaction, detailing exactly what you purchased and why.  These unique features make it incredibly easy for STABLE Account users to report expenses to agencies like the IRS, SSA, or Medicaid, if necessary.  

Transferring STABLE funds to an existing checking or savings account means commingling STABLE funds with other money. Commingling is confusing for account holders and government agencies, often making reporting requirements cumbersome.  Using your STABLE Card lets you avoid commingling STABLE funds with other money - resulting in clean, easily traceable account activity.


Free to Get - Free to Use

The STABLE Card is available at no-cost to all STABLE Account users.  Simply enroll today at There are no monthly fees on the STABLE Card.


Protection for Loved Ones - Including No Overdrafts!

The STABLE Card was designed with extra protection for those individuals who need it most.  You cannot overdraft with your STABLE Card - if you attempt to make a purchase and you do not have enough money on the card to cover the purchase, your transaction will simply be declined.  There are no overdraft fees!

For added protection, the STABLE Card will not work at cash access points and you have the option on the STABLE Card portal to restrict use of the card on other spending categories. You can also sign up for SMS alerts to notify you of activity on your card.

The balance on your STABLE Card is FDIC insured. Also, the STABLE Card is considered an extension of your STABLE Account, so funds on the card are not considered an asset for benefits testing.



For a full description of STABLE Card Terms and Conditions, click here.

Please note: STABLE Cards can only be issued to individuals; cards cannot be issued to institutional entities or businesses acting as Authorized Legal Representatives.

This card is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

Get a STABLE Card Today!

Get a STABLE Card