Debit Card

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Latest Updates

New Chip-Enabled Debit Cards

Starting July 25, you will receive a new chip-enabled debit card if you:

  • Are a new claimant receiving EDD benefits for the first time.
  • Have a card that is expiring soon.
  • Need a replacement card because your card is expired or has been lost, stolen, or damaged. Learn more about replacement and expired cards.

If you have a question about activity on your account related to fraud or suspected fraud, contact a Bank of America fraud specialist directly at 1-800-558-9226.

About the Debit Card

The EDD issues benefit payments for Disability Insurance, Paid Family Leave, and Unemployment Insurance claims using a visa debit card. This prepaid debit card is a fast, convenient, and secure way to get your benefit payments and is not subject to a credit check or monitoring by the EDD. With the debit card you can:

  • Get your money sooner.
  • Use it everywhere VISA is accepted (in stores, online, and by phone).
  • Withdraw cash at ATMs, banks, and stores with cash back options.
  • Transfer funds to the financial institution of your choice at no additional cost.
  • Be notified when a deposit is made to your card or when you have a low balance.
  • Receive fraud protection from a Zero Liability Policy.

Note: Your card is valid for three years from the date it is issued and is used for all EDD benefit programs, so you should keep it until it expires.

New Cardholders

If you have never had a debit card from the EDD before, Bank of America will mail you a card after your first benefit payment has been issued by the EDD . It can take 7 to 10 business days to receive your card in the mail.

To activate a new card, use one of the following methods:

  • Online - Visit the Bank of America debit card website and select Activate My Card.
  • By phone - If you are calling from within the United States, call 1-866-692-9374 or 1-866-656-5913 (TTY). If you are calling from outside of the United States, call collect at 1-423-262-1650.

Existing Cardholders

Your card is valid for three years from the date it is issued and is used for all EDD benefit programs. If you previously participated in an EDD benefit program using a card, and began participating in an EDD benefit program again within three years of the date the card was issued, you will not have to wait for a new card to receive benefits. We will continue to load funds on your existing card and you will have immediate access to them.

If your card is lost or stolen, you must call Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913). When prompted, choose the “lost or stolen” option from the automated menu. You do not need to have your old card number or speak to a representative.

If your card is damaged, you can order a replacement card online by visiting the Bank of America debit card website.

Replacement cards will be delivered in 7 to 10 business days from the date you order it. Once you order a replacement card, avoid requesting a second one. Ordering a second card will permanently block the first one and this may cause a delay in receiving your payments.

Note: Bank of America representatives cannot answer questions about your claim or pending payments.

Expired Cards

Card Activity within the Last 90 Days or $20 or Greater Balance

If you have activity on your card within the last 90 days, or if there is a balance of $20 or more, Bank of America will automatically mail you a new card before your card expires.

No Card Activity within the Last 90 Days and Balance Less Than $20

If you did not have any activity on the card within the last 90 days, or if you have a balance of less than $20, contact Bank of America debit card customer service to request a new card. You can check your remaining balance by calling one of the telephone numbers listed in the Additional Information section of this page.

If you no longer want to use your card, contact Bank of America to retrieve any remaining funds, and then destroy your card. Do not mail your card to the EDD for any reason. The EDD cannot accept returned debit cards and cannot remove funds from the debit card. If you return a card to the EDD, we will forward it to Bank of America for destruction.  If you have an overpayment established on your claim and would like to make a payment to the EDD, visit Benefit Overpayment Services to learn how.

Payments

It takes at least three weeks to process a claim for unemployment benefits and issue payment to most eligible workers. Payment information for Unemployment Insurance is updated daily and is available through your UI Online account or by calling the UI Self-Service Phone Line at 1-866-333-4606.

Payment information for Disability Insurance or Paid Family Leave can be accessed through your SDI Online account or by calling one of the toll-free numbers provided at Contact Disability Insurance and Paid Family Leave.

You can set up a one-time or recurring direct deposit transfer to the financial institution of your choice at no cost to you. Visit Bank of America Debit Card or call Bank of America debit card customer service at the phone number on the back of your card.

Bank of America can assist you with a domestic emergency cash transfer if you need cash from your debit card immediately, such as if your card is lost or you are still waiting for your card to arrive in the mail. You can speak with a Bank of America customer representative by calling one of the phone numbers listed in the Additional Information section of this page. Visit Bank of America’s website and select Fee Information for information about emergency cash transfer fees.

Keep track of your debit card payments and balance information by downloading the Bank of America Prepaid Card app from any app store. Payment information is updated daily and is available through your UI Online or SDI Online account or by calling one of the toll-free numbers provided on Contact EDD.

Disclosures and Fees

You will receive a welcome packet with your card. Be sure to read all information including fees for the debit card. For digital wallets, view the Digital Account Fees and Disclosures (PDF). Careful use of this card will help you avoid unnecessary fees.

Additional Information

For more information about your debit card, visit Debit Card FAQs or Bank of America Debit Card FAQs.

If you need more help, you can speak with a Bank of America Customer Service representative 24 hours a day, 7 days a week by calling one of the following phone numbers:

  • Within the United States: 1-866-692-9374
  • Outside of the United States: 1-423-262-1650 (Collect)
  • TTY: 1-866-656-5913

Important: Bank of America representatives cannot answer questions about your claim or EDD programs.

Forgotten PIN

You can reset your PIN by logging into your account on Bank of America’s website. Go to My Settings, select My PIN, then select Forgot PIN.

Avoid Fraud

Keep your card in a safe place and never share your card, personal identification number (PIN), or other confidential information with anyone.

Important: The EDD and Bank of America will never contact you to request your debit card account number or PIN. If this information is requested by phone or email, do not respond.