The Middle-Class Tax Refund (MCTR) program distributed over 16.8 million payments to provide relief to Californians beginning in 2022. However, the FTB has noted that there are some MCTR debit card recipients who have not yet activated their MCTR cards or who have not used their MCTR funds.
MCTR debit card recipients who have not activated their cards will receive an activation reminder letter that includes instructions to activate their debit card. Funds are available for a limited time and must be used before the program expires on April 30, 2026.
To activate a MCTR debit card, call:
(800) 240-0223
Once a debit card is activated, funds can be withdrawn for free at in-network ATMs or transferred directly to a personal bank account.
If a MCTR debit card is lost, call the number listed above.
For more information about MCTR debit cards, including in-network ATM locations, go to: