Frequently Asked Questions - The EDD Debit CardSM
About the EDD Debit CardSM
- How can I get my EDD Debit CardSM replaced?
- Why are my benefits initially on a debit card and not immediately established as a direct deposit?
- When will I receive my EDD Debit CardSM?
- What will I receive with my EDD Debit CardSM?
- How do I use my EDD Debit CardSM?
- What is a direct deposit transfer?
- How do I set up a direct deposit transfer to my checking or savings account?
- Do I need an account with Bank of America to use my EDD Debit CardSM?
- Will the EDD view or track my transactions on my EDD Debit CardSM?
- Will my EDD Debit CardSM affect my credit score?
- How can I find more information about the debit card and debit card services?
How can I get my EDD Debit CardSM replaced?
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.)
Why are my benefits initially on a debit card and not immediately established as a direct deposit?
The EDD Debit CardSM allows benefits to be paid to claimants who do not have a bank account and eliminates the need for the EDD to request and maintain bank account information for each claimant. Advantages of the debit card include: ease of use, increased security, and efficient delivery of Disability Insurance, Paid Family Leave, and Unemployment Insurance benefit payments.
You may choose to transfer some or all of your benefits to your checking or savings account by performing a direct deposit transfer. Information regarding direct deposit transfers is available on the EDD Debit CardSM page.
When will I receive my EDD Debit CardSM?
The EDD Debit CardSM is mailed to you when certify for your first week and the payment is authorized by the EDD. Subsequent payments are issued to the EDD Debit CardSM when you submit a certification and you are determined eligible for payment.
UI Customers will receive the following separately once their first benefit payment has been issued:
- An Electronic Benefit Payment Notification letter.
- A claim form.
- The card itself in no more than five business days of receiving the notification letter.
What will I receive with my EDD Debit CardSM?
The following items are in your EDD Debit CardSM welcome packet:
- EDD Debit CardSM
- Instructions and information
- Wallet-size Quick Reference Guide with customer service and fee schedule information
- California Employment Development Department Debit Card Deposit Agreement with Schedule of Bank Fees
When you receive your card, carefully read all information to ensure proper activation and use of the card. We recommend you activate your card immediately.
How do I use my EDD Debit CardSM?
Once you receive and activate your new debit card, you can then use the card immediately as you would a personal debit card. You can make purchases up to the amount available on your card anywhere Visa® cards are accepted. You can withdraw cash without charge at any Bank of America network ATM, and can make two free withdrawals per benefit deposit at non-network ATMs.
You may also elect to walk into any financial institution that accepts Visa® and cash out the balance on the card. (NOTE: You’ll need to keep close track of your card balance via phone or online tools if you wish to cash out an exact balance, bank tellers do not have access to your card account information.) In addition, you may also choose to have Bank of America conduct a direct deposit transfer of some or all of the available funds to your personal checking or savings account.
You will need to keep your card because all subsequent payments for which you are eligible will be paid directly to your card account.
What is a direct deposit transfer?
A direct deposit transfer is done electronically and transfers the money available on your EDD Debit CardSM account to your personal checking or savings account. Most can be done fairly quickly. After you receive and activate your card, contact Bank of America either online or by phone, 1-866-692-9374 (voice), or TTY 1-866-656-5913, to set up your direct deposit transfer.
Important Information about direct deposit transfers:
- Direct deposit transfers cannot be performed until you receive and acticate 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 happens 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.
How do I set up a direct deposit transfer to my checking or savings account?
After you receive and activate your card, contact Bank of America either online or by phone, 1-866-692-9374 (voice), or TTY 1-866-656-5913.
You will need the following to set up a direct deposit transfer:
- An EDD Debit CardSM issued in your name.
- A valid e-mail account.
- Your routing and account numbers for the account you want to transfer the money to.
Do I need an account with Bank of America to use my EDD Debit CardSM?
No. You do not need a checking or savings account with Bank of America or any other financial institution to receive your benefit payments on the EDD Debit CardSM.
Will the EDD view or track my transactions on my EDD Debit CardSM?
Bank of America does not share information about card accounts or transactions with third party agencies for privacy reasons. As a normal practice, the EDD will only have access to information related to the amount of benefits deposited to your EDD Debit CardSM and the date those deposits are made. The exception to this practice is when unemployment and disability insurance fraud is suspected and being investigated. In this case, transaction information will be made available to EDD investigators as part of the investigative process and could lead to disqualification of benefits with additional penalties and criminal prosecution.
Will my EDD Debit CardSM affect my credit score?
No. The EDD Debit CardSM is not associated with a credit line and will not show up on your credit report. Your EDD Debit CardSM allows you to access your benefit payment funds from your EDD Debit CardSM account.
How can I find more information about the debit card and debit card services?
Check out the Bank of America EDD Debit CardSM website for additional information about the debit card, current debit card services, and for information about new debit card services from Bank of America.
Will I be charged fees to use my EDD Debit CardSM?
Fees can be avoided with careful use of your card. 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 by following the tips provided in the welcome packet.
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 (though the other Bank may charge a transaction or service fee).
- Unlimited teller cash access at any bank or credit union that accepts Visa® cards.
- 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.
Fees may apply for the following:
- ATM withdrawals at non-Bank of America ATMs (after the two free transactions per deposit).
- International ATM withdrawals.
- Non-Bank of America ATM transactions by ATM owners who may impose an additional “convenience fee” or “surcharge fee.”
- Domestic Emergency Cash Transfer.
- International Transaction Fee.
Some merchants may charge a “convenience fee” or “surcharge fee” for debit card transactions. (point of sale/POS terminals).