Commuter Benefit Plan (CBP)

key features of Commuter Benefits:

  • The Beniversal Prepaid Mastercard and eTRAC Prepaid Mastercard: Instant access to funds and widespread acceptance through all qualified transportation and parking merchants accepting Debit Mastercard.
  • BRIWEB: Your secure online resource for balance, transaction details, online claims and more.
  • CBP Resource Center: Find your city and see tips about using your Beniversal or eTRAC card for commuting in your area
  • BRIALERTS: Opt-in to receive real-time alerts by text message or email regarding your accounts with BRI.
  • BRIMOBILE App: On-the-go access to view balances, recent transactions and submit claims for iPhone, iPad and Android devices.
  • Participant Support: Our Participant Services representatives are available to assist by phone, email and online chat. Click here to view contact details.

Note: Standard text messaging rates from your wireless service provider may apply.

How do I use my Commuter Account?

Commuter Benefit Plans (CBPs), governed by Internal Revenue Code (IRC) Section 132(f), allow employees to pay for certain workplace mass transit and parking expenses on a tax-free basis through payroll deductions. This provides up to 40% tax savings for employees.


  • Set aside pre-tax dollars, up to the IRS limits, to pay for eligible mass transit and parking expenses.
  • Change elections. Election changes are not limited by a plan year and can generally be updated monthly. See your employer for the specific process to update your elections.
  • Carry over unused funds. You carry over unused funds from month-to-month. If your needs change or you have built up a balance, you can adjust or even stop your elections while you continue to use your existing balance.

There are two primary commuter benefit accounts—a mass transit account and a parking account. If you have both expenses, you will need to make separate elections for each.

A mass transit account allows participants to set aside funds on a tax-free basis to pay for eligible workplace mass transit expenses.

What are the limits for a mass transit account? To view the most up-to-date annual contribution limits established by the IRS for mass transit accounts, please visit our Plan Limits page.

What mass transit expenses are eligible under a CBP? Qualified mass transit must (a) occur in a commuter highway vehicle (e.g. bus, train, subway, vanpool) and (b) be used in connection with travel between a residence and place of employment.

A parking account allows participants to set aside funds on a tax-free basis to pay for eligible workplace parking expenses.

What are the limits for a parking account? To view the most up-to-date annual contribution limits established by the IRS for parking accounts, please visit our Plan Limits page.

What parking expenses are eligible under a CBP? Qualified parking may include either: (a) parking provided to a participant on or near the business premises of the employer, or (b) on or near a location from which the participant commutes to work by mass transit. Parking on or near property used by the participant for residential purposes is not considered an eligible expense.

Still need to enroll? You can enroll in a Commuter Benefit Plan (CBP) at any time. There is no need to wait for an annual enrollment period. Please contact your employer benefits representative to determine how and when you should enroll. Online enrollment may be an option for your plan.

You have enrolled, now what? Using your Commuter Benefit Plan is convenient and easy. Here are a few quick tips.

  1. Receiving your Beniversal® Prepaid Mastercard® or eTRAC Card (if offered): If you have enrolled in a Commuter Benefit Plan for the first time, you will be receiving a Beniversal or eTRAC Card by mail. Your card will arrive in a plain white envelope from BRI. Once you receive your card, you will need to activate it by calling the number on the activation sticker. If you already have a Beniversal or eTRAC Card, you can continue to use the card through the expiration date. The card is accepted everywhere Debit Mastercard is accepted. Learn more about the Beniversal Card.
  2. Logging into BRIWEB: BRIWEB is your secure participant login for managing your accounts with BRI. Our online portal allows you to view balance and transaction information, submit claims, manage election changes (if available from your employer), download plan documents and much more. Learn more.
  3. Downloading the BRIMOBILE app: BRIMOBILE is your on-the-go account access to view balances and recent transactions and submit claims. The app is available for iPhone, iPad and Android devices. Learn more.
  4. Submitting claims: When not using the Beniversal Card, you can submit a claim for reimbursement of eligible expenses. Claims can be submitted online at BRIWEB, through the BRIMOBILE app or by sending a claim form by mail.
  5. Checking Your Balance: Login to BRIWEB or BRIMOBILE to view the balances of your Mass Transit and/or Parking accounts. Alternatively, you can call our 24/7 automated QuickBalance Line. Just dial Participant Services at (800) 473-9595, select the card balance option from the menu prompt,and enter your card information.
  6. Changing elections: As your mass transit and parking needs change, you may need to change your monthly elections. Consult your employer benefits representative to determine how and when election changes should be submitted. Election changes can often be submitted through BRIWEB.
  7. Questions: Try our Frequently Asked Questions or contact Participant Services. Participant Services is available to assist with your questions by phone, chat and email. Representatives are available in English and Spanish.

Commuter Benefit Resources

Commuter Benefits Related Articles

How Do I Get Started?

Contact your employer benefits representative for details on how to enroll in a Commuter Benefits Plan. Online enrollment may be available. Check out our Commuter Resource Center for city-specific parking and transit information!