Help with the Middle Class Tax Refund

Use this page to find answers for topics related to the Middle Class Tax Refund (MCTR) payment.

Identifying your payment

Your debit card

You’ll receive your debit card in an envelope such as the one below. The envelope states, “Not a bill or an advertisement. Important information about your Middle Class Tax Refund.”

Note the return address of the envelope is Omaha, NE.

MCTR mailer envelope and debit card.

Your direct deposit

You’ll receive a direct deposit to the bank account you received your 2020 California tax refund that states "FTB MCT REFUND MCT REFUND."

Using your debit card

Ways to access cash from your debit card

To access cash without fees, you may:

  • Make purchases and request cash back at participating merchants accepting Visa debit cards
  • Withdraw cash by using the Money Network Locator to find in-network ATMs
  • Transfer funds to a bank account of your choice after activating and registering your card at mctrpayment.com

Please note that limits may apply to the amount of cash you are able to withdraw at merchants and ATMs. For additional information on fees, refer to the cardholder agreement.

Concerns with your payment

Issues with your debit card

If you have questions about your MCTR debit card, including how to activate it, visit the contact information on this page for more information.

Issues with your direct deposit

Visit the contact information on this page for more information.

You didn't receive a payment

MCTR payments will continue to be issued through January 15, 2023. Check back after that date if you have not received a payment and feel that you qualify. For details about eligibility requirements and payment schedules, visit the Determine your eligibility and When you’ll receive your payment sections of our website.

Personal information

Your bank information changed

If your bank account has changed, closed, or updated since your 2020 California tax return was filed, you will receive your payment by debit card in the mail. Note that 10-14 weeks should be allowed for processing. For details about payment schedules, visit the When you’ll receive your payment section of our website.

You moved or changed your address

We use your last address on file (typically the address on your last filed return). If you’ve moved, you can edit your mailing information through MyFTB or Contact us. Note that additional time may be needed to process payments with address changes.

Use of your personal information

Money Network and New York Community Bancorp will not use your personal information for marketing purposes despite the reservation of rights in their standard privacy policy. For more information on how your personal information is being used visit mctrpayment.com.

Other eligibility and qualifications

Did not file a 2020 CA tax return

Assembly Bill (AB) 192 states that you must have already filed a tax return to qualify for the MCTR payment.

Amended 2020 CA tax return

Amending or filing your 2020 tax return after October 15, 2021 or February 15, 2022, as applicable, will not qualify taxpayers for the MCTR payment. However, FTB supports taxpayers filing true and accurate tax returns.

Household or residence

The MCTR payment is issued per tax return, not by household/residence. Two individuals in the same residence could both receive a payment individually, as long as they both qualify and did not file a joint return together in 2020.

Deceased eligible individuals

Deceased individuals that did not use the single filing status, or that claimed another person as a dependent on their 2020 tax return, may qualify for the payment. The payment is not available for individuals deceased on the day the payment would be issued and that used a single filing status without a dependent.

Incarcerated eligible individuals

Incarcerated individuals that did not use the single filing status, or that claimed another person as a dependent on the 2020 tax return may qualify for the payment. The payment is not available for individuals incarcerated on the day the payment would be issued and that used a single filing status without a dependent.

Married/registered domestic partner (RDP) filing separately

Married/RDP filing separately taxpayers who filed a 2020 tax return may each receive a payment if they each meet the qualifications for the MCTR payment.

Dependents

Individuals who were eligible to be claimed as a dependent in 2020 do not qualify for the MCTR payment.

Nonresidents or part-year residents

Eligible filers must have lived in California for six months or more of the 2020 tax year and be a California resident on the date payment is issued. They must still meet the other eligibility requirements.

Returning your payment

You received a payment in error

If you received the MCTR payment and believe this is an error, review the eligibility qualifications to verify this is a payment in error. Once verified, follow the instructions below that correspond to the payment type received.

You don't want to receive your payment

If you received the MCTR payment and wish to decline the payment, follow the instructions below that correspond to the payment type received, and include an explanation that describes why you are returning the payment.

Direct deposits and debit cards that have been used

  1. Send a personal check or money order payable to Franchise Tax Board to:

    ATTN: Middle Class Tax Refund
    Franchise Tax Board
    PO Box 1237
    Rancho Cordova, CA 95741-1237

  2. State “Erroneous MCTR payment” on the check/money order memo area.

  3. Provide a letter of explanation, stating that you received the MCTR payment in error, or that you wish to decline the payment. Include your name (and other recipient’s name, if applicable) and identification number (SSN or ITIN).

Debit cards that have not been used

  1. Send the debit card to:

    ATTN: Middle Class Tax Refund
    Franchise Tax Board
    PO Box 1237
    Rancho Cordova, CA 95741-1237

  2. Provide a letter of explanation, stating that you received the MCTR payment in error, or that you wish to decline the payment. Include your name (and other recipient’s name, if applicable) and identification number (SSN or ITIN).

Visit the contact information on this page for more information.

Income tax information

Taxable income

The MCTR payment is not taxable for California state income tax purposes. You do not need to claim the payment as income on your California income tax return. You should seek guidance from the IRS regarding federal taxability.

1099-MISC

The MCTR payments may be considered federal income. As such, 1099-MISC for MCTR payments of $600 or more will be issued. You should consult the IRS or your tax professional regarding the federal tax treatment of these payments.

Collections (offsets, withholding orders, wage garnishments, levies)

Offsets

The MCTR payment will not be subject to offset for debts owed to FTB or other government agencies.

Garnishment orders

In general, the MCTR payments are not subject to garnishment orders, with the exception of orders in connection with child support, spousal support, family support, or a criminal restitution payable to victims.

If you believe your MCTR payment that was deposited to your financial institution has been levied/frozen in error, contact the phone number provided by your financial institution.

Contact information

Customer support is available in English, Spanish, Mandarin, Hindi, Vietnamese, Korean, and Punjabi. Other languages may be supported by request.

Chat
Available at mctrpayment.com
Weekdays, 8AM to 5PM
Customer support
800-542-9332
Weekdays, 8AM to 5PM
Card activation
800-240-0223
Available 24/7
Online
mctrpayment.com