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Employment Development Department
Employment Development Department

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:

*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

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:

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:

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:

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.

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.


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:

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:

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: