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Bank of America EDD PrePaid Debit Card

Updated: Mar 28, 2022

Last updated: February 22, 2022

When will I get my Bank of America prepaid debit card?

You will receive your EDD BoA Debit card within 10 business days of your first weeks’ PAID status on an unemployment benefits certified week. However, the average wait time is usually around a week.

If you selected you would prefer to receive paper checks, you will not be receiving a EDD prepaid debit card.

Please note, in some rare cases EDD or Bank of America will opt out of a card for a claimant for various security reasons and will automatically switch the claimant to paper checks which a claimant will also receive by mail within 10 business days. If you are unsure of your status and have not received your EDD Bank of America Prepaid Debit Card within 10 business days then you can call the EDD Bank of America Phone Customer Service Number 1-866-692-9374 or EDD Claims Line at 1-800-300-5616.

You also have the option of checking your status by going to your UI Online account and clicking “Payments”. If any of the payment statuses say “Outstanding” then you can expect to receive a check instead of a EDD BoA Prepaid Debit Card.

Where is my EDD debit card? Is there a way to track my Bank of America EDD debit card?

While claimants or representatives do not have access to the official delivery tracking number assigned to a EDD BoA Prepaid Debit card that has been ordered and sent out, there is a way to check if it's actually been issued out. The day after your EDD certified weeks show as “PAID” on the EDD UI Online website (first certification only) you can call 1-866-692-9374 and request what date the card was issued. This normally happens the same day of approval if early enough in the day. As long as the card is registered as “ordered” then you can expect to receive it within 7-10 business days.

How long will funds appear on my debit card after I certify?

Once the status of a certified week says PAID then you can expect funds to process onto your EDD Bank of America Prepaid Debit Card by the following morning. The average wait time for benefits to show up onto your debit card is 24-48 hours but can be longer over a weekend or holiday. It could also take longer if you certified for multiple weeks.

Do I call Bank of America or EDD about my card?

If the issue or concern that you are experiencing is directly related to your EDD Bank of America bank account, prepaid debit card, or transfers then you need to call Bank of America. EDD can only help you with your claim specifically. The following issues would be considered directly related to your debit card and EDD BoA bank account:

  • Your debit card has been frozen for any reason.

  • You’re trying to make a payment and are being declined.

  • Your card has been lost, damaged, or stolen.

  • You suspect fraud on your account or need to dispute a charge or multiple charges.

  • You have had a change in and need to update any personal information on file.

**Please note that sometimes Bank of America will require you update your address through your UI Online account. However, pending no flags on your account, most personal information can be updated over the phone.**

How do I register my Bank of America prepaid EDD debit card online?

Once you receive your EDD debit card from Bank of America you will register your card either via the website or by the phone number on the card received.

  • To register online go to:

  • If you have never registered click Need User Name (This is located right under "Remember Username" on the right hand side)

  • Create a user name

  • Create a Password - the password portion is super picky and does not like any name. We recommend picking random letters, numbers and special characters.

  • Enter your three digit code on the back

  • Click Sign In

Is there a way to set up direct deposit?

No, but you can set up an automatic transfer into your personal account. Additional instructions on how to set up transfer. When EDD deposits the money into the debit card, it will automatically be transferred to a bank account of your choice. It's just two steps:

1. Set up auto transfer

Scroll down and go to Recurring Transfer and Transfer-To Accounts

Recurring Transfer

For Amount: You can choose “Full Deposit” for the full amount to be transferred or you can specify.

For When: Change to "After Each Deposit”

This makes it so every time money is deposited into the account from EDD, it will initiate a transfer.

Transfer-To Accounts

Connect it to your bank of choice by adding the corresponding account and routing number.

2. Set up text alerts
  • Go to "My Settings" and click "Alerts"

  • Add your phone number or e-mail address -- whatever you prefer for notifications.

  • Check off "Value Load" - you'll get a notification for when money gets deposited

  • Check off "Funds Transfer Requested" - and you'll get a notification when money gets transferred

That’s it!! Now you don’t have to constantly sign in and monitor your account for when EDD is extra slow in processing your funds.

Once you have completed this you are able to view your balance, transfer your funds to your bank. When you are at the home page you have the option to pick the following, action you can use:

  • My Money

  • Balance & Transactions

  • Statements

  • Transfers

  • You are able to add in your checking or saving account number and initiate a transfer of your funds. Please note - IF you put in the incorrect checking or saving account it will be very hard for you to get your money back. It is recommended to make a small transfer amount and ensure the transfer goes into your account.

  • ATM Locator

  • Dispute Transactions

  • To file a dispute you need to call 1-855-355-5047 for more information

How fast will I receive my payments after I certify?

After you receive your EDD pay card you funds will automatically load the day after you certify. EX: If you certify on Sunday and your weeks change to paid before midnight, your funds should be available on Monday. This only happens if your weeks change from pending to paid. All pending line items will not be paid onto your card until they show paid.

What if I have an old Bank of America Prepaid Debit Card? Do I need a new one?

If you have previously received unemployment or disability benefits from the EDD on a prepaid card from the last 3 years and it has not expired, EDD will continue to send funds to that existing prepaid card account. If you are no longer in possession of that card, you will need to request a replacement card by accessing the Replace My Card feature on this website.

Can I get my debit card replaced if I lost it?

Yes! If you’ve lost or misplaced your card or feel that your information has been compromised or stolen, you can contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913) to get it replaced at no cost.

**Please note that if you have any fraudulent charges you can ask to speak to the risk department to open a dispute over the charges and have the funds reimbursed back to you. **

If you’re only needing to replace a damaged card you can simply order a replacement card online at the Bank of America debit card website.

Once a card is expired and you’ve had activity on the card within the last 90 days or there’s a balance of $20 or more on the card then Bank of America will automatically send you a new debit card before the original card expires. 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.

Logging into the EDD Bank of America Online Browser vs. EDD Bank of America App

It is important to note if you’re having trouble logging into your online account, it is possible you are using the wrong password. The password you have for your EDD Bank of America App is not the same password as the one you would have set up for the website.

What if I have an emergency and need cash before my card arrives?

In a situation where you are waiting for your Bank of America EDD prepaid debit card to arrive but are needing emergency funds, you can contact Bank of America at 1-866-692-9374 to request an “emergency cash transfer”. From there, a representative will be able to guide you through the process of obtaining those funds.

Will Bank of America or EDD contact me to obtain personal information regarding my Bank of America EDD debit card account?

NO. If you receive any type of correspondence by phone, text, mail, email, etc. requesting information about your account or your prepaid debit card DO NOT RESPOND. Bank of America and EDD will never reach out to you requesting personal information from you. Help protect yourself against fraud by verifying any type of correspondence you receive by contacting EDD (1800 300- 5616) and BoA (1-866-692-9374) directly.

How do I update my address with Bank of America EDD?

In order to update your address to receive a new BoA EDD debit card or correspondence from Bank of America, you must go through EDD by either updating your information in your EDD UI Online account under “Profile” or by calling EDD at 1-800-300-5616 and having a representative update your information for you.

**Please note that if you are requesting a new card or certifying your first weeks and have never had an EDD BoA Debit card before, it will take about 48-72 hours for your new address update to reach Bank of America and therefore you should hold off on requesting a new card or certifying new weeks until you have confirmed the update with BoA. You can always call their customer service line 24/7 at 1-866-692-9374 to make sure your address has been updated.***

Are there any spending limits once I receive my Bank of America EDD prepaid debit card?

Depending on a claimant and their account history, some people may have certain spending limits on their card. For example, if a claimant has any type of security flag on their account, they may have a spending limit of $2000 a day. This would vary and be separate from the ATM withdrawal limit. If you notice that your card is being repeatedly frozen when you attempt to make a purchase or payment then you should call Bank of America Customer service line to find out what your personal spending limits are and if they can be removed or not. This is usually an issue for people who had several months of stuck benefits that were eventually released to them and they received a lump sum of money from EDD.

My card was declined after trying to make a purchase and when I called BoA EDD Customer Service Line it said my account was closed. What does that mean?

Usually, when an automated message says that the account is closed it means that the account was temporarily frozen because of a suspicious transaction or a customer exceeded their daily limit. You can ask to speak to a customer service representative to have the card reopened in order to continue using it. In some scenarios you may have to speak to the risk department in order to verify your identity and authenticate the account.

How does Bank of America EDD verify your identity?

There are 3 ways BoA can authenticate an account user/ verify your identity over the phone.

  1. If a client has set up their account, they will have set up a series of security questions i.e. “what is your favorite color?” that will always be asked any time an account is needing to be authenticated. This is the easiest and most efficient way to verify your identity.

  2. If an account has not been set up, then Bank of America will ask you a series of multiple choice questions based on public record. These questions tend to be extremely difficult and often confusing. You will always have an option to answer “D) none of the above.

  3. In some scenarios, Bank of America can verify you by texting a code to your phone that you will repeat back to them. You can always ask for the option if option 2 is unattainable. However, there is no guarantee your account will have this option.

Additional information on the debit card can be found on the EDD website.

If you still have questions about your Bank of America EDD prepaid debit card or account or are having any issues in receiving many months of unemployment benefits owed to you, we can help. See if you qualify for our 30 minute phone consultation here and an Unemployment Guru will be in touch with you.



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