The monthly benefit is deposited through an electronic benefit transfer (EBT) system into a government-designated personal bank account, which can be accessed at any time with the debit card to withdraw cash or to make food purchases from authorized retailers.[35] Since September 2001, 75% of each family's monthly benefit has been designated exclusively for making direct food and grocery purchases, while the remaining 25% can be withdrawn as a cash benefit.[35][2] The EBT debit card system has improved the program's payment accuracy rate to 96.4% in 2003, 4 years ahead of its 2007 goal of 95% accuracy.[3]