EDD Debits Cards in California

The California Employment Development Department (EDD) debit card from Bank of America is issued to persons receiving EDD, and is used to deliver benefit payments. The EDD debit card in California is used to issue Unemployment Insurance (UI), Disability Insurance (DI) and Paid Family Leave (PFL). Your EDD debit card is valid for a maximum of three years from the date it was issued. Continue reading this page to find out about the benefits of the EDD debit card, how to activate EDD debit cards and how to replace EDD debit cards when lost or stolen.

Benefits of the EDD Debit Card in California

EDD debit card benefits are numerous. You get your EDD debit card in the mail once you have been approved to receive DI, PFL or UI benefits payments from the state. The package with your EDD debit card also includes instructions on how to activate and use the card, a quick reference guide, a California EDD Debit Card Deposit Agreement and a copy of the Bank of America Privacy Policy. The Bank of America EDD debit card is very convenient. You no longer have to wait for benefit checks in the mail, which means you will no longer have to pay fees to cash your checks. The card can be used online or in stores, anywhere VISA is accepted. You can use the card to withdraw cash at convenient ATM, VISA-accepted banks and credit unions and point-of-sale terminals. You can also use your EDD card to pay your bills. To learn more about EDD debit card benefits, download our free guide.

How to Activate EDD Debit Cards in California

When you are ready to activate your EDD Debit Card, you can simply call the EDD Debit Card Customer Service toll-free number, or you can visit the online customer service at the Bank of America EDD website. Once you have activated your EDD card and selected a Personal Identification Number (PIN), you can use your card straight away. You can use your card to check your balance 24/7 using the number on your card, at the Bank of America EDD website or at an ATM. You may also sign up for mobile and text alerts for your balance.

To learn more about using Employment Development Department (EDD) debit cards, download our comprehensive guide.

Are there any fees for my EDD debit card account in California?

You will usually not have to pay any fees with your EDD card unless you go over your allowable number of free transactions at non-Bank of America ATMs. You can use your Bank of America EDD debit card for a maximum of two free ATM withdrawals per deposit at non-Bank of America ATMs. Free EDD debit card benefits also include:

  • A cash-back option when you make purchases at a drug store, a grocery store or a U.S. post office.
  • Unlimited withdrawals at Bank of America ATMs.
  • Unlimited direct deposit transfers to checking or savings accounts.

Limits may be imposed on your EDD debit card account in certain circumstances. EDD card limits may be imposed due to some form of suspicious activity. Typically, your ATM EDD debit card withdrawals must be made in multiples of a fixed amount. Some ATMs may have a maximum daily withdrawal limit or a maximum amount that you can withdraw in one transaction. If you wish, you may transfer some or all of the money on your EDD debit card to your checking or savings account. You must make direct deposit transfer requests via the Bank of America. Any UI benefits, PFL payments or DI benefits you have not used will stay on your card, as long as it is still valid. Because your EDD card is not connected to a line of credit, it will not show up on your credit report.

How to Replace EDD Debit Card in California

You can obtain an EDD Debit Card replacement free-of-charge if your card is lost, stolen or damaged. To have a replacement EDD Debit Card mailed to you, contact the Bank of America EDD Debit Card customer service toll-free number. Your EDD Debit Card is valid for three years from its issue date. You will automatically receive a new card if there has been a deposit or a transaction on your card within the last 90 days, or if you have a minimum balance of a certain amount. Receiving a new card does not necessarily mean that a new claim is reopened, nor does it necessarily mean that you are eligible to receive further payments from DI benefits, PFL or UI.

How to Dispute a Transaction on your Employment Development Department (EDD) Debit Card in California

If you feel there has been a transaction on your EDD Debit Card that is incorrect or was not authorized, then you should contact the Bank of America EDD Debit Card Customer Service toll-free number. You should alert the bank of your EDD Debit Card dispute as soon as possible. The Bank of America EDD Debit Card Customer Service will need to hear from you no later than 60 days after you noticed the error on your account.

Download our complimentary guide to review more details about EDD debit card usage.


What Kind of Employment Development Services Are Available in California?

If you are currently unemployed and need help finding a job, the state of California offers unemployment benefits to eligible applicants, in order to help them get by while pursuing work. In addition to financial assistance, the Employment Development Division of California also offers training benefits, which allow unemployed individuals to learn new skills and get a higher education so that they can earn a better living. Find out more about these employment services by downloading our guide.


What Education Assistance Is Available in California?

Just as unemployed individuals can benefit from services offered by the state, so too can college students. California students can qualify for financial aid from the government, such as loans and grants, which can help them cover the costs of higher education. Find out how you can get financial assistance for your schooling by downloading our guide.