News & Announcements for Tax-Advantaged Accounts -- Beginning April 1, 2013, debit cards for tax-advantaged accounts can now be used as debit or credit. However, a merchant may ask you to select debit. This means, you will need a personal identification number (PIN) to complete your transaction. This new PIN requirement is part of the Durbin Amendment, which is part of the larger Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

For those who currently have an Aetna or PayFlex debit card, you are encouraged to call 1-888-999-0121 to get your PIN on or after April 1. A PIN can be requested at any time of the day. Provide your card number, the 3-digit code located on the back of your card, and your zip code. If your spouse and/or dependent have a card, they will use the same PIN.

Starting January 1, 2013, the IRS now limits the amount you can put into a Health Care Limited FSA. The maximum amount is $2,500. However your employer amount may be different. Check with your employer for the yearly contribution limit.