What is California Middle Class Tax Refund Card

How to Access Your Middle-Class Tax Refund. Qualification for the middle-class tax refund. How to Receive Middle-Class Tax Return Funds. Transfer Money from MCTR to a Bank Account. What is California middle class tax refund card.

What is California Middle Class Tax Refund Card

Tax refund offers a feeling of reward to taxpayers after the hard-earned money. The rebates are generally something to look forward to after the financial year. A tax refund is compensation to taxpayers for an overcharge tax amount paid to the government or tax department. If you are qualified for a refund, you will automatically receive a rebate through direct deposit or mailed pre-loaded debit card.

The middle-class tax refund (MCTR) is a one-time payment to relieve middle-class taxpayers. It is a legal program approved by the California government to help taxpayers.The program is designed to curb the rising cost of living (high gasprices, groceries).

MCTR is calculated based on family size and income rate. The payments are issued between October 2022 and January 2023, covering 32000000 users and their dependents. With most of the payment done, a few issues surfaced, such as fraud and non-payment. California Franchise Tax Board utilizes LLC to review and distribute payment to cover all arising taxpayer grieves.

Middle Class Tax Refund

California Middle Class Tax Refund Card
What is California Middle Class Tax Refund Card

Qualification for the Middle-Class Tax Refund

California residents are eligible for the middle-class tax refund if:                  

  • Meet the California adjusted gross income (CAAGI) limits described on the middle-class tax refund
  • You were  not eligible to claim as a dependent in the 2020 tax year
  • If one is a California resident on the date the payment is issued
  • The taxpayer should have lived in California for six months or more of the 2020 tax year
  • The individual should have filed their 2020 tax return by October 15, 2021

MCTR depends on the difference between the tax owed to the treasury at the end of the year and the amount withheld throughout the year. If the amount of the tax owed is less than the latter number, the individual receives a tax refund.

How to Receive Middle-Class Tax Return Funds

The amount is disbursed through various legal systems as follows:

  • Direct deposit payment will be made to eligible taxpayer who e-filed their 2020 CA tax return and received their CA tax refund by direct deposit.
  • The Debit card payments are directly credited to your account and sent via mail. You will need your card’s 4-digit PIN and may be asked for your ID.

How to Transfer Money from MCTR to a Bank Account

There are a number of ways to transfer money to your bank account.

  • Transfer funds by calling 1-800-240-0223
  • Activate your MCTR card before attempting to transfer funds.
  • Call 1-800-240-0223 and follow the instructions with the interactive voice response unit {IVRU}.
  •  Cell phone to transfer funds

Simple steps to follow:

  • Click on ‘START’
  • Activate your account to access to your content.

Middle-Class Tax Return Debit card Replacement When Lost

  • Freezeyourcardorcancelyour card. MCTR provides a simple mobile app allowing users to freeze or cancel their debit card if lost or misplaced. This safeguards the card’s fraudulent activities. However, one can unfreeze the card through the app and continue receiving tax services.
  • Notify your bank or credit union. The debit cardholder must notify the bank immediately when they realize the card is lost/misplaced.
  • Visit your account online at least once a day. In case of any fraudulent transactions, notify your bank immediately.
  • Send your bank a follow-up letter or email to create a written record.For certainty, include the information you provided by phone or in person.
  • Update your auto pays. Ensure you contact any businesses with an autopay service connected to your card so you won’t miss a payment.


  1. What is the meaning of MCTR abbreviations?

    MCTR means Middle-class tax refund. It is a legal repayment issued to particular taxpayers in California.

  2. When is/was payment disbursed?

    The amount was issued from October 2023 to January 2024

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