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Commuter Benefit Accounts

Employee Benefits

Commuter Transit Account

A WageWorks® Commuter Transit Account is a pre-tax benefit account used to pay for public transit—including train, subway, bus, ferry or vanpool—as part of your daily commute to and from work. It’s a great way to put extra money in your pocket each month and make your commute more convenient and affordable.

Save Time and Money on Public Transit as Part of Your Daily Commute

Spot Photo Transit Final

Why enroll in a WageWorks Commuter Transit Account?

  • Save an average of 30-40% on public transit as part of your daily commute to and from work
  • Reduce your overall tax burden—funds are withdrawn from your paycheck for deposit into your account before taxes are deducted
  • No waiting for Open Enrollment—sign up any time to start saving—and no “use it or lose it” as long as you’re employed by your current employer.

“I spend $270 a month for a commuter rail pass and a subway pass. With a WageWorks Commuter Transit Account, I save over $900 a year using tax-free dollars to pay for my commuting expenses. It's like I commute free for three months of the year.”

- A happy WageWorks Commuter Transit Account participant

Savings With Your Commuter Transit Account

A Commuter Transit Account lets you pay for qualified public transit expenses on a pre-tax basis. The money you contribute to your account is not subject to payroll taxes, so you end up paying less in taxes with more take-home pay from your check.

Use this calculator to see how much you can save with a Commuter Transit Account.


Your Estimated Tax Savings
Without Commuter Transit With Commuter Transit
Gross annual pay (estimate) $60,000 Gross annual pay (estimate) $60,000
Estimated tax rate (30%) -$18,000 Max. annual commuter transit contribution -$3,180
Net annual pay =$42,000 Adjusted gross pay =$56,820
Estimated annual commuter transit expenses -$3,180 Estimated tax rate (30%) -$17,046
Final take-home pay =$38,820 Final take-home pay =$39,774
Take home this much more with a Commuter Transit $954

All figures in this table are estimates and based on an annual salary of $60,000 and maximum contribution limits to the benefit account. Your salary, tax rate, healthcare expenses, and tax savings may be different.


Contributing to Your Commuter Transit Account

A Commuter Transit Account has a monthly limit. Simply decide how much to contribute to your Commuter Transit Account up to the allowed monthly limit. The IRS sets the contribution limits. You can contribute up to a maximum of $270 per month* to your Commuter Transit Account. A different limit may apply to you according to your employer’s plan.

Use this calculator to estimate your monthly eligible expenses and determine a monthly Commuter Transit Account election amount that’s right for you.

You can pause, change, or cancel contributions to your Commuter Transit account at any time, although there are deadlines for changes and cancellations for specific benefit months. There's no "use it or lose it" policy with your account unless you quit your job with money left in your account. Available balances can be rolled over year to year. But keep in mind that if you stop working for your employer, you forfeit any unused money left in your account.

*Monthly contribution limit in 2020 for transit 

Enrolling in Your Commuter Transit Account

You can enroll in a Commuter Transit Account at any time—there’s no need to wait for the next Open Enrollment period.

To sign up, simply log into your WageWorks account. If you haven’t yet created an account, register for one now. Click on the PLACE YOUR ORDER button to sign up for a WageWorks Commuter Transit Account. Keep in mind that most orders must be placed a month in advance. Plan ahead and save! Place your order this month for next month’s transit passes.

If you have questions about enrolling in a WageWorks Commuter Transit Account, contact the person or organization managing your benefits enrollment.

Placing Commuter Transit Account Orders

It's easy to place a transit order. Just log into your WageWorks account and click the Place Your Order button under Commuter Transit Account.

Key Features and Benefits of Your WageWorks Commuter Transit Account

Wide Range of Public Transit Coverage Nationwide Offers Choice and Flexibility

WageWorks offers public transit coverage options in all 50 states and in more than 350 metropolitan areas nationwide. If you take public transit to work, it’s almost certain you can use your WageWorks Commuter Transit Account to make your commute easier and more affordable. 

Convenient Order and Delivery Options Save You Time

You order public transit monthly passes right from your WageWorks account. Prepaid transit passes are delivered directly to your home or office each month.

Need to change your order? It’s simple. Just log into your WageWorks account to add or change your preferred mode of public transit, or pause, change, or cancel contributions to your account. Just keep in mind that there are deadlines to place, change, or cancel your order for any given month. Be sure to carefully read your plan deadlines when you place your order.

Automatic Contributions Make Saving Simple

WageWorks makes saving simple. You decide how much to contribute to your Commuter Transit Account each month. Funds are withdrawn automatically from each paycheck for deposit into your account before taxes are deducted.

Depending on your employer’s plan, you may either:

Variety of Payment Options Make Your Account Easy to Use

With a variety of convenient payment options, your WageWorks Commuter Transit Account makes it easy for you to get reimbursed for eligible commuting expenses like train, subway, bus, and ferry tickets and passes. 

Payment options include:

  • Buy My Pass. WageWorks purchases your transit pass using funds in your account, and your pass is mailed directly to your home each month. Order your passes each month or schedule a recurring monthly order.
  • Load My Smart Card. Load money onto transit agency smart cards (where available) directly from your account.
  • Pay by Debit Card. Use the convenient WageWorks Commuter Card to pay for transit passes and tickets at most commuting-related point of purchase locations. You decide how much money to load onto your card each month to cover your monthly commuting costs.

Learn more about these payment options.

Web Portal and Mobile App Make Your Account Easy to Manage

WageWorks makes it easy to manage your Commuter Transit Account. Log into the WageWorks secure web portal to manage all aspects of your WageWorks account:

  • Check account balances
  • Review deadlines for placing, changing, or canceling orders
  • Submit claims and view claims status
  • Look up eligible expenses
  • Upload and store receipts for your tax records
  • Select your reimbursement methods (by check or direct deposit)
  • Choose to receive account alerts by email or text

The WageWorks EZ Receipts mobile app puts the power of the WageWorks web portal in the palm of your hand. Download this handy app to your mobile device, log in to your account, and check balances, submit claims, view transactions, snap photos of receipts, get account alerts by text or email—all on the go!

Employee Resource Center

Ready-to-use tools to help you make the most of your WageWorks benefits.