If you don’t have an account relationship with the bank, it may be concerned about whether there are sufficient funds in your account. Sometimes there are delays in the processing of transactions, including direct deposits, as banks activate back up plans. FEMA Assistance Cards will be issued without consideration of insurance. Maintain your debit card as if it were cash; keep it in a safe place. If your ATM card does not work, it is probably because your bank’s verification system is not working. If you have home owners insurance, do I qualify for a FEMA Assistance Card?”]