How to Receive Adoption Subsidy Payments

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The New York State Office of Children and Family Services and local departments of social services issue adoption benefits electronically via direct deposit or a nationally branded debit card.


Log into NYEPAY to make your payment selection and view your monthly remittance statement. You can also manage your account and change your banking information as necessary.

How do I log into and navigate the NYEPAY website?

Option 1 - DIRECT DEPOSIT: Already have a bank account?

Have benefits deposited into your existing checking account for immediate access.


  • To set up direct deposit to your checking account, use the Adoption Subsidy Direct Deposit/Debit Card Authorization Form:
    • OCFS-4744 - Adoption Subsidy Direct Deposit/Debit Card Authorization Form
    • OCFS-4744-S - Formulario de Autorización de Depósito Directo o en Tarjeta de Débito del Subsidio de Adopción

Option 2 - DEBIT CARD

example illustration of a Key Bank Mastercard

Your monthly subsidy card is automatically deposited to your card.

Use your card everywhere Master Card debit cards are accepted - at ATMs, banks, in stores, and online.

Withdraw your subsidy in increments at ATMs, banks or at retail stores.

The KeyBank MasterCard offers more ways to access and manage your funds without incurring a fee.

The KeyBank MasterCard offers the following:

  • Free point-of-sale purchases with the cashback option at participating retailers for PIN-based transactions.
  • Unlimited teller withdrawals at any MasterCard member bank.
  • No charge for the following services (No hay cargos o tarifas para los siguientes servicios):
    • ATM withdrawals at KeyBank and Allpoint ATMs.
    • Transfer of funds online to a personal checking or savings account.
    • Contacting KeyBank customer support via this toll free number: 1-866-295-2955, or the online cardholder website:
  • View the full list of all fees (lista completa de cargos) for Key2Benefits for your monthly adoption subsidy card.

For more information on the KeyBank MasterCard visit their web site:

For inquiries please call OCFS Electronic Payment Call Center at 1-877-437-7855 or email us at

To register for direct deposit or debit card, or to review your remittance advice statement, got to the NYEPAY web site.