When you’re already late for work and you see your train approaching on the other side of the turnstile, there’s nothing quite as disheartening as seeing the words “Insufficient Funds.” But did you know that there’s a way to avoid this situation altogether? Commuters who take advantage of the MTA’s EasyPay Xpress program can get around long kiosk lines and missed trains with MetroCards that refill automatically.

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The EasyPay Xpress MetroCard is linked to your credit or debit card, allowing it to top up your balance automatically when you’re running low. You do have to create an account to apply and wait about three weeks for your card to arrive in the mail, but the benefits – never having to touch a grimy kiosk screen again or curse yourself as you see your train leave the station while you wait in a line – far outweigh the minor inconvenience of the sign-up process.

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To create your EasyPay Xpress account, visit the MTA’s website here and follow the instructions for either full fare or reduced fare MetroCards. You’ll also be able to choose between ‘Pay-Per Ride’ or ‘Unlimited Ride’ options like you normally would at a kiosk. Then you’ll just need to enter a few fields of information (name, address, payment info). If all of your responses are correct, your new card should be in the mail in less than a month.

One possible downside to the Xpress card is that if someone else gets their hands on it, they could potentially rack up a bill on your credit card, so be sure to alert the MetroCard Account Service Center as soon as possible at 1-877-323-RIDE (7433) if you misplace your card.

+ EasyPay Xpress