EDD Debit CardSM

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EDD Debit CardSM Benefit Payments

It takes at least three weeks to process a claim for unemployment benefits and issue payment to most eligible workers.

If you choose to receive payments via a debit card, Bank of America will mail you a card once benefit payments are available. Due to the high volume of claims being processed, it may take a few extra days to receive your EDD Debit Card in the mail.

  • If you received Unemployment Insurance, Disability Insurance, or Paid Family Leave benefits on an EDD Debit Card in the last three years, you will receive your benefit payments on that card. If your card has expired, a new card will automatically be sent to you once funds are available.

    Note: If you were issued a card before 2015, you must request a new one. Visit Replace My Card on Bank of America's website or contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913).

  • If you lost your EDD Debit Card, contact Bank of America as early as possible in the application process to request a replacement card before your first payment. Your new card will arrive 7 to 10 business days from the order date. You have a couple options to request a new card:
    • Visit Replace my Card on the Bank of America website.
    • Contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913). You do not need to have your old card number or speak to a representative. Choose the Lost or Stolen option in the automated menu. The call center is experiencing higher than normal wait times and Bank of America is working to address the issue.

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

Payment information is updated daily and is available through your UI OnlineSM account or by calling the UI Self-Service Phone Line at 1-866-333-4606.

About the EDD Debit Card

The EDD issues benefit payments for Disability Insurance, Paid Family Leave, and Unemployment Insurance claims using the EDD 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.

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.

EDD Debit Card Benefits

  • 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.

Delivery and Activation

New and Existing Cardholders

If you have never had an EDD Debit Card before, and your first benefit payment has been approved, Bank of America will put the card into the mail the next business day.

If you have had a debit card in the past and it is still active, you will not have to wait for a new card. We will continue to load funds on your existing card and you will have immediate access to them.

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.

If your card has expired, review Expired Cards.

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

  • Online - Visit the Bank of America EDD 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.

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.

Direct Deposit Transfers

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 EDD Debit Card or call Bank of America Debit Card Customer Service at the phone number on the back of your card.

Track Your Payments

Keep track of your EDD 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 account or by calling the UI Self-Service Phone Line at 1-866-333-4606.

Expired Cards

Card Activity within the Last 90 Days

If your card has expired and there was activity on it 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

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 EDD Debit Card Customer Service to access your funds.

Order a Replacement Card

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.

Lost or Stolen Cards

If your card is lost or stolen, you can order a new one using one of the following options:

  • Visit Replace My Card on Bank of America’s website.
  • Call Bank of America at 1-866-692-9374 (TTY: 1-866-692-9374). When prompted, choose Lost or Stolen from the automated menu. You do not need to have your old card number or speak to a representative.

Frozen Cards

If your account is frozen and you can’t use your EDD Debit Card or access funds, we may need to verify your identity to continue paying you unemployment benefits. You’ll get an email, text, or notice in the mail requesting identity verification within 5 - 7 business days of your account being frozen. If you need to verify your identity, you can log into UI Online and use the “Upload Documents” option from the homepage for the fastest processing possible. Once verified, you'll continue receiving benefits.

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. To request an emergency cash transfer, contact Bank of America EDD Debit Card Customer Service. You may be charged a fee.

Returned Cards

The EDD cannot accept returned debit cards. If you return a card to the EDD, we will forward it to Bank of America. Once benefit payments have been deposited into your debit card account, EDD cannot remove the funds from the debit card.

Disclosures and Fees

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

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 EDD Debit Card account number or PIN. If this information is requested by phone or email, do not respond.

Additional Information

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