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  • How it Works

    Opening an account You can set up a STABLE account through [[planName]] in as little as 10 minutes. We’ll ask for some information about the beneficiary, the qualifying disability, and how the account will be funded. To complete the setup, you’ll customize your account and make decisions about the...

  • How long does it take to put money on the card?

    For existing customers, transfers scheduled before 4 pm ET on a business day are available the next business day. For new customers, it can take 2-5 business days for the full amount of requested funds to be available. Once an account has been established for 21 days, transfers will be processed...

  • How much does it cost to open a STABLE account through [[planName]]?

    There is no fee to open an account. However, you’ll need to make an initial deposit of at least $25 to get started and a $1 minimum for any contribution or withdrawal after that. Additionally, there are some minimal fees that apply to all accounts.

  • How much money can I put on the card?

    You can load as much or as little as you need up to $20,000. However, the maximum load limit per day is $5,000.

  • How often can I load the card?

    There is no limit to the number of times you can load your card. However, withdrawals from a STABLE account to any STABLE Visa® Card may not exceed $5,000 per day and $20,000 per month.

  • How will I know if I’ve received gifts?

    When a gift contribution has finished processing, you’ll get an email letting you know someone contributed to your account. All processed gift contributions will also appear in your activity feed. Please keep in mind, any gift contributions made through an online gifting page will not be available...

  • I no longer want a card. How can I cancel it?

    If you would like to cancel your card, contact True Link at 1-844-599-4690 or visit Please do not allow others to use an expired, revoked, cancelled, suspended, or otherwise invalid card. If True Link cancels or suspends your card privileges through no fault of...

  • If I manage multiple STABLE accounts, can I transfer funds from one STABLE account to another?

    No, you cannot transfer funds from one STABLE account to another STABLE account.

  • Is money on the card counted as an asset for benefits?

    Just like the funds in your STABLE account, the funds on your STABLE Visa® Card do not count as assets for state or federal benefits.

  • Is the ABLE account considered part of the estate after the death of a beneficiary?

    Yes. As part of the estate, funds in the ABLE account are subject to federal estate tax. After the death of the beneficiary, the remaining funds will be taxed and can be used to pay any outstanding qualified disability expenses of the decedent and any State claim under section 529A(f) before they...