The EDD Debit CardSM

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About The EDD Debit Card

The Employment Development Department (EDD) uses the EDD Debit Card 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 Card is valid for three years from the date of issue. Because the EDD Debit Card is used for all EDD benefit programs, customers should keep their card until the expiration date of the card has passed.

The EDD Debit Card 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 Card website provides information about EDD Debit Card 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.

Avoid Fraud. Protect yourself from phishing scams: Neither the EDD nor 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.

EDD Debit Card 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 Card in the YouTube Video.

Debit Card Options and Activating Your Card

The EDD Debit Card 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 Options

  • 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.
  • Sign up for text or e-mail alerts on deposit loads or minimum balances through Bank of America. Your wireless provider may charge you for message and data usage.

NOTE: Bank of America will no longer be offering the Daily Available Balance alert. If you have signed up to receive this e-mail or text alert, the messages will discontinue beginning April 29, 2015. You can still check your debit card balance anytime by phone at 1-866-692-9374, at an ATM, or on the Bank of America EDD Debit Card website.

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 Card.
  • 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.)

You can request your card replacement be expedited for a fee. Refer to the Bank of America’s Schedule of Bank Fees page for Express Delivery and emergency cash transfer options.

Expired Cards

The EDD Debit Card 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 will be automatically be issued to you when:

  • There has been financial activity* in the last 90 days.
  • 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.

  • If a new card is not issued to you under the circumstances above, a new card will automatically be issued to you if your card is expired and a benefit payment is issued to you. You should receive the new card within 7-10 days from the date the payment was authorized by the EDD.   
  • Customers who have a balance on their card, but it is less than $20.00, have not had financial activity in the last 90 days, and have not had a payment issued since the card expired, must contact Bank of America for a new card.

For information about your EDD Debit Card 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 Card 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:

  • Domestic card replacement.
  • 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 (ATM owners may charge a transaction or service fee).
  • Teller cash access at any bank or credit union that accepts Visa cards (when valid ID is presented to the teller).
  • Direct deposit transfers to a checking or savings account (including non-Bank of America accounts).
  • Balance inquiries at ATMs.
  • Automated and live customer service inquiries.
  • Online account information.

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

Emergency Cash Assistance

Bank of America can assist you with a domestic emergency cash transfer if you need cash from your EDD Debit Card immediately and are still waiting for your card to arrive in the mail. Refer to the Bank of America’s Schedule of Bank Fees page for information on emergency cash transfers and other services. To request an emergency cash transfer, 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.)  

Returning Your EDD Debit Card

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 Card information:

For the Media

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