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Employment Development Department
Employment Development Department

The EDD Debit Card

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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:

*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:

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

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:

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:

Expired Cards

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:

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:

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.

Fees

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:

Additional Information about no-cost transactions and transactions with fees:

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.

Additional Information

The following are great resources for EDD Debit CardSM information:

For the Media

Listed below are some additional resources on the EDD Debit CardSM for the media: