SNAP retailer bonds.
Re-authorized after a sanction. Flat 3%.
When a retailer is re-authorized for 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 SNAP collateral bond does
SNAP — the Supplemental Nutrition Assistance Program — replaced the old food stamp program; USDA’s Food & Nutrition Service authorizes the retailers that accept it. If a retailer has been disqualified or paid a civil money penalty and is later re-authorized, 7 CFR §278.1(b)(3) directs FNS to require a collateral bond or irrevocable letter of credit.
The face amount is the greater of $1,000 or 10% of average monthly SNAP redemptions for the twelve months before the most recent sanction, and the bond must stay valid for five years from re-entry into the program.
It protects the program: FNS can collect an established claim against a previously sanctioned firm through 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 SNAP collateral bond? +
Is SNAP the same as food stamps? +
Why am I being asked for a bond? +
How long does it have to stay in place? +
Is there a credit check? +
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.