The EDD Debit CardSM
December 5, 2013 8:30 a.m.
Update: Information about expired debit cards for SDI customers.
- About The EDD Debit CardSM
- EDD Debit CardSM Benefits
- Debit Card Options and Activating Your Card
- Replacing Your Card
- Expired Cards
- Returning Your EDD Debit CardSM
- Additional Information
- EDD Debit CardSM YouTube Video: How to Use the Card and Avoid Fees
- For the Media
About The EDD Debit CardSM
The Employment Development Department (EDD) uses the EDD Debit CardSM from Bank of America to deliver benefit payments for all EDD benefit programs including Disability Insurance (DI), Paid Family Leave (PFL), and Unemployment Insurance (UI). The EDD Debit CardSM is valid for three years from the date of issue. Because the EDD Debit CardSM is used for all EDD benefit programs, customers should keep their card until the expiration date of the card has passed.
The EDD Debit CardSM can be used everywhere Visa® debit cards are accepted. Customers can access cash at ATMs, point of sale terminals, and at banks and credit unions that accept Visa. The Bank of America EDD Debit CardSM website provides information about EDD Debit CardSM services, including online access to account information, mobile and e-mail alerts on deposits and balances, and direct deposit transfers to a checking or savings account.
In light of reports of various phishing scams, we want to remind you to be cautious if you receive any type of inquiries by phone or e-mail regarding your EDD Debit CardSM. Neither the EDD nor Bank of America will contact you under any circumstances to request your EDD Debit CardSM account number and/or PIN (Personal Identification Number). If you are contacted by phone or e-mail and asked for your information, do not respond.
EDD Debit CardSM Benefits
Electronic payments are quicker, safer, and easier for the EDD customers. Card benefits include:
- No more waiting for checks in the mail. Funds are electronically deposited to the card.
- Use everywhere Visa debit cards are accepted – in stores, online, or by phone.
- Get access to cash at ATMs, point of sale* terminals, and at Visa banks and credit unions.
- Use your card to pay bills.
- No more check cashing fees for those who do not have bank accounts.
- Reduced security risks associated with lost or stolen checks.
- Direct deposit transfer option available.
*A point of sale is a business or place where a product or service can be purchased.
Find out more about the EDD Debit CardSM in the YouTube Video.
Debit Card Options and Activating Your Card
The EDD Debit CardSM is like any other debit card with access to funds 24 hours a day, 7 days a week, and can be used everywhere Visa debit cards are accepted. Customers can also opt for a direct deposit transfer once the card is received and activated. To activate the card, customers need to contact Bank of America either:
- Online at the Bank of America EDD Debit CardSM website.
- By phone at 1-866-692-9374 (voice) or 1-866-656-5913 (TTY).
Customers should keep the card for all subsequent payments. The card is valid for three years from the date it is issued.
Visa Debit Card
- Use everywhere Visa debit cards are accepted – in stores, online, or by phone.
- Get access to cash at ATMs, point of sale* terminals, and at banks and credit unions that accept Visa.
Please Note: Neither the Employment Development Department nor the Bank of America will contact you under any circumstances to request your EDD Debit Card account number and/or PIN. If you are contacted by phone or e-mail and asked for the information, do not respond.
Direct Deposit Transfer
Direct deposit transfers are done electronically and most can be done fairly quickly. After you receive and activate your card, contact Bank of America to transfer some or all of your benefits to your checking or savings account by performing a direct deposit transfer. This can be completed online or by calling customer service at 1-866-692-9374 (voice) or TTY 1-866-656-5913, and does not require an account with Bank of America.
Information about direct deposit transfers:
- Direct deposit transfers cannot be performed until you receive and activate the EDD Debit CardSM.
- You do not need a checking or savings account with Bank of America to set up a direct deposit transfer to your own bank account with another banking institution.
- Direct deposit transfer can be set up as a one-time transfer or as an automatic recurring transfer.
- A valid e-mail account is required.
- Delays may occur until the next business day if you bank at a smaller institution or if the transfer needs to be made over a weekend when banks are closed.
- This option can be set up by contacting Bank of America either online or by phone, 1-866-692-9374 (voice) or 1-866-656-5913 (TTY). Do not contact the EDD to set up a direct deposit transfer.
- If immediate access to your funds is critical, you may choose to only have a portion of your benefits transferred to your personal bank account and keep the remainder on your card so those funds are immediately available.
- You may begin, modify, or stop your direct deposit transfer at any time.
- Direct deposit transfer may also be referred to as a funds transfer.
Replacing Your Card
If your card is lost, stolen, or damaged, it can be replaced at no cost to you. To have a replacement card mailed to you, you must contact the Bank of America EDD Debit Card customer service by calling:
- 1-866-692-9374 (voice)
- 1-866-656-5913 (TTY)
- Collect at 423-262-1650 (if outside the U.S.)
The EDD Debit CardSM is valid for three years from the date it is issued (the expiration date is on the front of the card). Any benefit payments for which you are eligible during that time will be issued to the card. Please keep your card until the expiration date has passed. If your card is set to expire, a new card may or may not be automatically issued to you depending on your circumstances.
Customers Who Will Receive a New Card
A new card will automatically be issued to you when your card is set to expire if one of the following applies:
- There has been financial activity* in the last six months.
- You have a card balance of $20.00 or more.
Note: If you receive a new card, it does not indicate that a new claim has been filed or reopened, or that you are currently eligible to receive additional benefit payments.
Mailing time: New cards will be mailed on the first business day of the month that the card is due to expire. Customers should receive a new card within 7-10 days after the mail date.
Customers Who Will NOT Receive a New Card
A new card will not be issued to you when your card is set to expire if both of the following apply:
- There has been no financial activity in the last six months.
- You have a card balance of $19.99 or less.
For information about your EDD Debit CardSM balance, transaction inquiries, the status of your card, or for information about a new card after your card expires, contact Bank of America. If you have recently filed or reopened a claim and have questions about the status of your claim, contact the EDD.
*Financial activity means a deposit or transaction was made.
When you receive your EDD Debit CardSM and welcome packet, thoroughly read your California Employment Development Department Debit Card Deposit Agreement and refer to the Schedule of Bank Fees section to ensure you understand any transaction and service fees that may apply to your card. Fees can be avoided with careful use of the card.
There are no fees for the following:
- Cash-back with purchases at grocery stores, drug stores, and U.S. post office locations.
- ATM withdrawals at domestic Bank of America ATMs.
- Two free ATM withdrawals per benefit deposit at non-Bank of America ATMs. (Although the other ATM owner may charge a transaction or service fee).
- Unlimited teller cash access at any bank or credit union that accepts Visa cards. (When valid ID is presented to the teller).
- Unlimited direct deposit transfers to a checking or savings account (including non-Bank of America accounts).
- Unlimited balance inquiries at ATMs and online customer service.
- Unlimited automated and live customer service inquiries.
- Free domestic card replacement.
- Receive up to date account information through mobile text and e-mail alerts (you may be charged by your wireless service provider).
Additional Information about no-cost transactions and transactions with fees:
- Will I be charged fees to use my EDD Debit CardSM?
- What are the fees associated with using my account?
- What other EDD Debit CardSM services are available from Bank of America?
Returning Your EDD Debit CardSM
The EDD cannot accept debit cards sent to us by customers. Cards received by the Department will be forwarded to the Bank of America for destruction. Once benefits have been deposited on your debit card account, the funds cannot be returned to the EDD. Sending your debit card to the EDD will not satisfy repayment of a benefit overpayment. To repay a benefit overpayment, you should follow the instructions in the Notice of Overpayment that was mailed to you.
The following are great resources for EDD Debit CardSM information:
- Frequently Asked Questions
- Bank of America EDD Debit CardSM website
- How to Use the EDD Debit CardSM YouTube Video (English)
- Como Usar la Nueva Tarjeta de Débito EDD por YouTube (en español)
For the Media
Listed below are some additional resources on the EDD Debit CardSM for the media:
- The EDD Debit CardSM sound bites and b-roll footage of the EDD representative, customers, and new EDD Debit CardSM being used at ATMs and stores.
- The EDD Debit CardSM YouTube Video on how to use the card and avoid fees.
- High resolution image of the EDD Debit CardSM.
- News Release, July 7, 2011: Debit cards to replace unemployment checks for 1.2 million Californians
- News Release, November 8, 2011: EDD completes transition from checks to new EDD Debit Cards.