Getting your EDD (Employment Development Department) money can be a crucial step in managing your finances during a period of unemployment or disability. While the EDD previously issued benefits through Bank of America debit cards, there have been significant changes. As of February 15, 2024, benefits are no longer issued to Bank of America debit cards. Instead, they are now issued to a new Money Network prepaid debit card.
However, if you still have funds on an old Bank of America EDD debit card, this guide will walk you through the steps to access those funds. Let's get started!
Understanding the Change: Bank of America to Money Network
Before we dive into the "how-to," it's vital to understand this key change. The EDD has transitioned from Bank of America to Money Network for issuing debit card benefits. This means:
- New benefits: If you're receiving new EDD benefits, they will be loaded onto a Money Network prepaid debit card, not a Bank of America card.
- Existing Bank of America cards: If you still have an old Bank of America EDD debit card with a balance, you'll need to follow specific steps to access those funds.
This guide focuses on accessing funds from your old Bank of America EDD debit card. If you have a new Money Network card, the process will be different (and generally simpler, as Money Network offers direct transfer options).
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| How Do I Get My Edd Money From Bank Of America |
How Do I Get My EDD Money From Bank of America (for old cards)?
If you possess an older Bank of America EDD debit card with funds remaining, here's your step-by-step guide to retrieve your money.
Step 1: Confirm Your Card's Status and Balance
Engage with us right now! Do you know your current balance on your old Bank of America EDD card? Have you used it recently? Knowing this will help determine your next course of action.
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Check Online: If you previously set up online access with Bank of America for your EDD debit card, log in to check your balance and transaction history. This is the fastest way to confirm if funds are still available.
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Call Bank of America: If you don't have online access or prefer to speak with someone, call the dedicated Bank of America EDD customer service line. This number is crucial.
- Bank of America EDD Customer Service: 1-866-692-9374
- TTY: 1-866-656-5913
When prompted, navigate the automated menu to check your balance.
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ATM Inquiry: You can also visit a Bank of America ATM and perform a balance inquiry.
Important Note: If your card has been inactive for an extended period, or if the balance is very low, it's possible Bank of America may have a specific process for handling those dormant accounts.
Step 2: Contact Bank of America to Request a Check
This is the primary method for getting funds from an old Bank of America EDD debit card. Since new benefits are no longer issued to these cards, Bank of America's standard procedure is to issue a check for any remaining balance.
- Call the Dedicated Line: As mentioned in Step 1, call Bank of America at 1-866-692-9374.
- Explain Your Situation: Clearly state that you have an old EDD debit card with a remaining balance and that you need to request a check for those funds.
- Provide Necessary Information: Be prepared to provide your personal information for verification, including:
- Your full name
- Your EDD debit card number
- Your Social Security Number (SSN) or other identifying information
- Your current mailing address (where you want the check sent)
- Confirm Mailing Address: Double-check and triple-check the mailing address you provide. An incorrect address could significantly delay you receiving your funds.
- Ask About Processing Time: Inquire about the expected timeframe for the check to be processed and mailed to you. This can vary, but generally, it might take a few business days to a couple of weeks.
- Retain Confirmation: If possible, ask for a confirmation number for your request or note down the date and time of your call, along with the name of the representative you spoke with. This can be helpful if there are any issues later.
Step 3: Alternative Methods (Limited for Old Cards)
While requesting a check is the most direct and recommended method for old Bank of America EDD cards, some limited alternatives might exist depending on your card's status.
3.1: ATM Withdrawal
If your card is still active and has a balance, you might be able to withdraw cash from a Bank of America ATM.
- Find a Bank of America ATM: Use the Bank of America website or mobile app to locate a nearby ATM.
- Know Your PIN: You will need your Personal Identification Number (PIN) to withdraw cash.
- Withdrawal Limits: Be aware of daily ATM withdrawal limits. These can vary, but typically range from a few hundred to over a thousand dollars per day. You may not be able to withdraw your entire balance in one go if it's a large amount.
- Note: The EDD Money Network card has an ATM withdrawal limit of $1,000 per transaction and per day, but limits for older Bank of America cards might differ. It's best to confirm with Bank of America.
- Fees: While withdrawals at Bank of America ATMs are generally free for their cardholders, using a non-Bank of America ATM may incur fees from both Bank of America and the ATM operator.
3.2: Point-of-Sale (POS) Purchases with Cash Back
If your card is still active, you could potentially make a purchase at a store and request cash back.
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- Participating Retailers: Many grocery stores and pharmacies offer cash-back options with debit card purchases.
- PIN Required: You'll typically need to enter your PIN for these transactions.
- Limit on Cash Back: The amount of cash back you can receive is usually limited by the retailer and your card's daily spending limits.
3.3: Over-the-Counter Bank Teller Withdrawal
If you have a significant balance and your card is active, you may be able to withdraw funds at a Bank of America branch.
- Visit a Bank of America Branch: Go to a physical Bank of America location.
- Bring ID: You will likely need to present a valid form of identification (e.g., driver's license, state ID).
- Card and PIN: Be prepared to provide your EDD debit card and potentially your PIN.
- Teller Discretion: While possible, the success of this method for an old EDD specific card might be at the discretion of the branch and depend on their internal policies regarding these legacy cards. This is why requesting a check is generally more reliable.
Step 4: Monitor for Your Check
Once you've requested a check, patience is key.
- Expected Delivery: Keep an eye on your mail for the check within the timeframe provided by Bank of America.
- Contact If Delayed: If the check doesn't arrive within the expected period, call Bank of America's EDD customer service again to follow up. Have your confirmation details ready.
Step 5: Deposit the Check
Once you receive the check, you can deposit it into your personal bank account.
- Mobile Deposit: Most banks offer mobile check deposit through their banking apps.
- ATM Deposit: You can deposit the check at an ATM.
- Bank Teller Deposit: Visit your bank's branch and deposit the check with a teller.
Important Considerations and Warnings
- Security: Always be vigilant against scams. The EDD or Bank of America will never ask for your PIN over the phone or via email.
- Timeliness: It's always best to retrieve funds from old accounts as soon as possible to avoid potential issues with dormancy or expiration of the card.
- Record Keeping: Keep detailed records of all communication with Bank of America and the EDD regarding your funds. This includes dates, times, names of representatives, and any confirmation numbers.
- Direct Deposit for New Benefits: If you are currently receiving EDD benefits or expect to in the future, it is highly recommended to set up direct deposit to your personal bank account through your myEDD account. This is generally the safest, fastest, and most convenient way to receive your payments with the new Money Network system.
10 Related FAQ Questions
Here are 10 related frequently asked questions, starting with "How to," along with quick answers:
How to transfer money from my new Money Network EDD card to my bank account?
You can transfer funds from your Money Network EDD debit card to your personal bank account online through the Money Network website or via the Money Network Mobile App. Transfers typically take 2-3 business days.
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How to activate my new Money Network EDD debit card?
Call 1-800-684-7051 or download the Money Network App to activate your debit card and set your PIN.
How to check the balance on my new Money Network EDD debit card?
You can check your balance by calling 1-800-684-7051, logging into your Money Network account online, or using the Money Network Mobile App.
How to find an ATM to withdraw cash from my EDD debit card (Money Network)?
Use the Money Network App or visit the Money Network website's ATM locator to find fee-free ATMs. Other ATMs may charge fees.
How to get cash back with my new Money Network EDD debit card?
You can ask for cash back when making a purchase using your PIN at participating retail locations, such as grocery stores.
How to report a lost or stolen Bank of America EDD debit card?
Contact Bank of America immediately at 1-866-692-9374 (or 1-866-656-5913 for TTY) to report a lost or stolen card.
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How to set up direct deposit for future EDD payments?
Log in to your myEDD account (UI Online for Unemployment, SDI Online for Disability/Paid Family Leave), navigate to "Benefit Payment Option" in your profile, and select "Direct Deposit" to enter your bank routing and account numbers.
How to dispute an unauthorized transaction on my EDD debit card?
Contact the card issuer (Bank of America for old cards, Money Network for new cards) immediately upon noticing any unauthorized activity. They will guide you through the dispute process.
How to understand the transaction limits for my Money Network EDD debit card?
Refer to the "Transaction Limit Schedule" provided by Money Network, which is often available on their website (
How to contact EDD customer service for questions about my claim?
For questions related to your claim eligibility, payment amounts, or claim status, you must contact the EDD directly through your myEDD account or their official contact numbers, as Money Network representatives cannot answer claim-specific questions.
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