FNS retailer collateral bonds.
Re-entering SNAP. Flat 3%.
When a firm re-enters SNAP after a sanction, USDA’s Food & Nutrition Service can require a collateral bond under 7 CFR §278.1(b)(3). The amount tracks your redemption history; we issue it at a flat 3% with one soft credit pull.
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Apply to filed in one sitting.
Your SNAP re-authorization is waiting on this bond. Here is the whole process:
Apply once, online
Business details, the bond amount FNS set, and an effective date. The only extra step is a one-time consent to a soft credit pull.
Reviewed & approved
Most clear quickly; if underwriting needs anything, you hear from an underwriter within 48 hours. The credit check is a soft pull that never affects your score.
File with USDA FNS
Receive the executed collateral bond ready to submit with your SNAP retailer application. The bond is valid for five years when re-entering the program. Wet-ink originals mailed on request.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Enter the figure FNS set and the premium updates.
What it is and who needs it.
What the FNS collateral bond actually does
A retail food store or wholesale food concern must be authorized by USDA’s Food & Nutrition Service to accept SNAP benefits. If a firm has been disqualified or paid a civil money penalty and later re-applies, 7 CFR §278.1(b)(3) directs FNS to require a collateral bond or irrevocable letter of credit as a condition of re-authorization.
The face amount is the greater of $1,000 or 10% of the firm’s average monthly SNAP redemption volume for the twelve months before the most recent sanction. The bond must remain valid for five years from re-entry into the program.
The bond protects the program: if FNS establishes a claim against a previously sanctioned firm, it can collect through total or partial forfeiture of the collateral bond. It is not insurance for you — if the surety pays, you repay the surety.
You need this bond if you are
Five minutes. The whole thing.
These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is typically issued within 1–2 business days.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the FNS collateral bond? +
Why am I being asked for a collateral bond? +
How long does it have to stay in place? +
Is there a credit check? +
Is this the same as the $1,000 food stamps bond? +
Other New York bonds.
Re-enter SNAP with one document.
Flat 3%, $275 minimum, five-minute application, e-signed bond in 1–2 business days. Free until issued.