Frozen Debit Card
We are continuing to work with Bank of America on shutting down fraudulent claims. If transactions on your card appeared to be suspect or fraudulent, it was frozen to prevent further activity.
The EDD will only contact you if we need to verify your identity. Otherwise, call Bank of America at the number on the back of your card at 1-866-692-9374 (TTY: 1-866-656-5913) to resolve the situation. Learn more about frozen cards.
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.
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.
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.
It takes at least three weeks to process a claim for unemployment benefits and issue payment to most eligible workers.
If you have never had a debit card from the EDD before, and your first benefit payment has been approved, Bank of America will put the card into the mail the next business day.
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.
Your card is valid for three years from the date it is issued and is used for all EDD benefit programs. 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.
If you lost your debit card, you must request a replacement card early in the application process before your first payment. Call Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913) and choose the Lost or Stolen option in the automated menu. You do not need to have your old card number or speak to a representative. Your new card will arrive 7 to 10 business days from the order date.
Note: Bank of America representatives cannot answer questions about your claim or pending payments.
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 debit card customer service to access your funds.
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.
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.
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 Debit Card or call Bank of America debit card customer service at the phone number on the back of your card.
Emergency Cash Assistance
Bank of America can assist you with a domestic emergency cash transfer if you need cash from your 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 debit card customer service. You may be charged a fee.
Track Your Payments
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 account or by calling the UI Self-Service Phone Line at 1-866-333-4606.
If your card is lost or stolen, 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.
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.
If your account is frozen and you can’t use your debit card or access funds, we may need to verify your identity to continue paying you unemployment benefits. If so, you should receive an email, text message, or mailed notice requesting identity verification documents. We strongly recommend that you log in to UI Online and use the upload documents option from the homepage for the fastest processing possible. Once verified, you'll continue receiving benefits.
If you can’t upload your documents online, you can mail in copies of the required documents to:
Attn: Bank of America
Employment Development Department
PO Box 2530
Rancho Cordova, CA 95741-2530
Important: If you don’t provide your identity verification documents, we may end your benefit payments. If this happens, you will receive a notice with information about how to appeal.
If you can’t access funds on your debit card or funds have been reduced and you have not received any messages from the EDD, it’s likely that Bank of America has frozen or suspended the card. This may be due to suspected fraudulent, unauthorized, or unlawful activities involved with your debit card or a suspect transaction. In this case, the EDD does not need to verify your identity and suggests that you contact Bank of America.
We do not have direct access to withdraw funds on any accounts. While debits may appear as having been debited by the EDD, the funds were debited by Bank of America.
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.
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, the 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 debit card. For digital wallets, view the Digital Account Fees and Disclosures (PDF). Careful use of this card will help you avoid unnecessary fees.
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.