qualified transportation expense (QTE) plans

eTRAC Commute—the next best thing to a free ride!

Save as much as $1,608 a year! That's 30 to 40 percent on every commute and parking fee

Qualified transportation expense plans (QTEs) allow you to have a certain amount of money deducted from your paycheck, before any taxes are calculated, to pay for commuting expenses.

Because it's tax-free, the amount you set aside is 30 or 40 percent higher than you would otherwise be able to spend. That money is deposited directly into your eTRAC Account.

You use the money in your accounts to pay for qualified expenses, which means you save 30 to 40 percent. (The percentage depends on your tax bracket.)

Set aside as much as $335 per month to pay for parking and commuting

The 2008 monthly tax-free limits are $220 for parking expenses and $115 for transit expenses.

eTRAC MasterCard

With our innovative, technologically advanced eTRAC MasterCard® card, you'll be able to access those funds as quickly as you can swipe the card.

Read more about eTRAC Commute below or go directly to how eTRAC Commute plans work and instructions for enrolling. Additional information can be found in the eTRAC qualified transportation expense plans FAQ.

What qualifies for eTRAC Commute

Your eTRAC Commute funds can be used to pay for:

transportation to or from work on a subway, train, bus, ferry
parking at or near your workplace
parking at a commuter lot where you transfer to mass transit

Why eTRAC Commute is better than other programs

Maybe you've been enrolled in a voucher or pass distribution program in the past. Maybe you're wondering if the hassle of a commuter benefit program is worth the savings. eTRAC Commute is far superior!

Our eTRAC card gives you instant, on-the-spot access to the funds you need. No standing in line! No receipts to keep. No waiting for reimbursement.
It's flexible, just like your plans. Use your eTRAC Card to buy just the commuting fares you want—a daily pass, a weekly pass, a monthly pass. Use a transit vending machine or go online to order passes.
No lost funds. Going on vacation? No problem, the money just rolls over to the next month.
Spending less—or more—than you thought? No problem. Adjust next month's contribution online. It only takes a minute.
Your funds are always secure. Lose a voucher or a transit pass, and you've lost your money. Lose an eTRAC MasterCard card and your funds are secure, guaranteed.
Need more cash to commute? Easy. Your eTRAC Card can be loaded with after-tax dollars to pay for commuting expenses above the monthly limits.

Why wait? Sign up today and start saving

Signing up is easy. Ask your employer for your Member I. D. number. Calculate how much you'll spend on commuting expenses. (Need help? Our Tax Savings Calculator makes it easy). Then sign up.