EDD ATM Card – Features, Benefits, and How to Apply

EDD ATM card are debit cards previously issued by the Bank of America to unemployment recipients from the California Employment Development Department (EDD).

The EDD ATM card is a vital tool for individuals who receive unemployment benefits or other forms of assistance from California state.


As of February 15, 2024, EDD debit cards are now issued to a new money network prepaid debit card, not Bank of America.

If you still have your EDD debit card from Bank of America, it will only be active until April 2024.

The EDD ATM card gives you access to your employment funds, and this article will explore its features, benefits, how to apply, and how to activate it. Keep reading.

Features of the EDD ATM Card

The EDD ATM Card has features that make it stand out. Below are some of them:

  • They allow direct deposit of unemployment benefits as well as other state assistance funds
  • They provide quick access to funds without the need for paper checks
  • Their cardholders can withdraw cash from any ATM worldwide
  • The card is flexible and can be used to make purchases from online merchants, retail stores, and bill payments
  • Cardholders can check their account for free using channels such as ATMS and phones.
  • They charge no monthly fees

Requirements for the EDD ATM Card

Requirements for the EDD ATM Card are in alignment with those set by the Employment Development Department of California, below are some of them:

  • Required to be a California resident
  • Required to meet the specific employment and income requirements
  • required to provide personal information
  • required to complete an application process through the EDD website or by phone

Benefits of the EDD ATM Card

The EDD ATM card has benefits for users that make using the card very convenient, below are some of them:

Convenience: The card eliminates the need to wait for and cash paper checks, streamlining the process of receiving and accessing funds.

Security: With features like PIN protection and fraud monitoring, the EDD ATM card offers a secure way to receive and manage funds electronically.

Accessibility: Cardholders can access funds 24/7 through ATMs, making it ideal for individuals who may not have easy access to traditional banking services.

Budgeting: The ability to track spending and monitor account balances helps users manage their finances more effectively.

Emergency Funds: In times of financial hardship, the EDD ATM card provides a lifeline for individuals to access essential funds quickly.

Downsides of the EDD ATM Card

While the EDD ATM card has amazing benefits, it also has its downsides. Some of them have been listed below to enable you to make an informed choice:

Limited Services: The card may not offer the same range of services as a traditional bank account, such as check-writing or interest-bearing savings options.

Fees for Out-of-Network ATMs: While using in-network ATMs is usually free, withdrawing cash from out-of-network ATMs may incur fees.

Potential for Fraud: As with any financial product, there’s a risk of fraud or unauthorized transactions, requiring users to remain vigilant and report any suspicious activity promptly.

No Overdraft Protection: Unlike some bank accounts, the EDD ATM card typically does not offer overdraft protection, meaning transactions that exceed the available balance may be declined.

Dependency on Government Funding: Changes in government policies or funding allocations may impact the availability or number of benefits loaded onto the card.

How to Apply for the EDD ATM Card

Having read through this article and understood the features, requirements, benefits, and downsides of the EDD ATM card, if you wish to be a user of the card, you will have to apply for it.

Follow the steps listed below to apply:

  • visit the EDD website or put a call across through your mobile device
  • provide the required information
  • follow the instructions provided for you
  • wait for your card

How to Activate Your EDD ATM Card

Upon receiving your EDD ATM Card, you will have to activate it to commence usage, follow the steps below to begin:

  • Open the EDD ATM card delivered to you
  • Read the package carefully, you will find the activation instructions
  • Call the toll-free number
  • Follow the instructions issued to you to set up your PIN

If you have followed the steps above accordingly, you will successfully activate your card. This means it is now ready for use.


Can I use the EDD ATM card to receive funds other than unemployment benefits?

Yes, the card can be used to receive various types of state assistance funds, including disability insurance and paid family leave.

Are there any fees associated with the EDD ATM card?

While there are typically no monthly fees for using the card, fees may apply for certain transactions, such as out-of-network ATM withdrawals or balance inquiries at non-EDD ATMs.

How long does it take to receive the EDD ATM card after applying?

The timeframe for receiving the card may vary, but it typically takes a few business days to receive the card by mail after the application is processed and approved.

What should I do if my EDD ATM card is lost or stolen?

If your card is lost or stolen, report it immediately to the EDD by calling the customer service number on the back of the card. A replacement card can be issued, but there may be a fee for expedited delivery.

Can I transfer funds from my EDD ATM card to my bank account?

In some cases, individuals may be able to transfer funds from their EDD ATM card to a personal bank account.

This option may be available through the EDD website or by contacting customer service for assistance.

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