Cardholder Frequently Asked Questions
- 1. Will EDD benefits be added to my Bank of America card?
- 2. Who should I call with questions about new EDD benefit payments?
- 3. How can I check the current balance or transaction activity in my Bank of America prepaid debit card account?
- 4. How can I access the remaining funds on my Bank of America prepaid debit card account?
- 5. What happens if I don’t use or retrieve my entire card account balance?
- 6. How do I change my address on this account?
- 7. What are the fees associated with using my account?
- 8. What is a transaction fee?
- 9. When are transaction fees charged?
- 10. Am I responsible for transactions that I did not make?
- 11. What are the Bank of America EDD Prepaid Debit Card Service Center hours?
1. Will EDD benefits be added to my Bank of America card?
As of February 15, 2024, EDD stopped funding new benefits onto Bank of America prepaid debit cards.
The Employment Development Department (EDD) has changed banks, and is now issuing unemployment, disability, and Paid Family Leave benefit payments to a Money Network prepaid debit card. Learn more at edd.ca.gov/DebitCard
2. Who should I call with questions about new EDD benefit payments?
If you are eligible for benefit payments after February 15, 2024, the EDD has advised us that you may receive a new Money Network prepaid debit card.
Learn more at edd.ca.gov/DebitCard or contact the EDD at the following number(s):
- Disability Insurance 1.800.480.3287
- Paid Family Leave 1.877.238.4373
- Unemployment Insurance 1.800.300.5616
3. How can I check the current balance or transaction activity in my Bank of America prepaid debit card account?
You can view your current account balance or statements online for up to 12 months following account closure. Download your account statements now if you wish to review your transactions. Limitations may apply.
You can check your debit card account balance by contacting the Service Center at 866.692.9374, 866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.). Help is available in multiple languages.
4. How can I access the remaining funds on my Bank of America prepaid debit card account?
You may retrieve any funds that remain in your Bank of America prepaid debit card account by contacting the Service Center to request a check after confirming your identity. Reach us at 866.692.9374, 866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.). Help is available in multiple languages.
5. What happens if I don’t use or retrieve my entire card account balance?
If you do not use or retrieve all of the funds in your Bank of America prepaid debit card account, any remaining unclaimed balance will be reported and remitted as unclaimed property. The unclaimed balance on your card will be sent to the appropriate state, as required by state law, after a period of time defined by that state’s law. After we turn over the funds to the state, we will have no further liability to you for the funds, and you would have to apply to that state’s agency to reclaim your funds. In the event that your funds are returned to the EDD, you would need to contact them for any further assistance. For more information, you may contact our Service Center at 866.692.9374, 866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.). Help is available in multiple languages.
6. How do I change my address on this account?
You may request an address change by calling the Service Center at 866.692.9374, 866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.). These numbers are displayed on the back of your Bank of America prepaid debit card, as well as on your Quick Reference Guide. Help is available in multiple languages.
7. What are the fees associated with using my account?
The California Employment Development Department Prepaid Debit Card Account Agreement and Fee and Other Important Disclosures (“Fee Disclosure”) describes any transaction and service fees that may apply to your card.
The following fees apply to your card:
- International ATM withdrawals
- Emergency Cash Transfers
- International Transactions
Bank of America does not charge fees to your card for:
- Cash-back with purchases at grocery stores, drug stores, and U.S. post office locations.
- ATM withdrawals at domestic ATMs.*
- Teller cash access at any bank or credit union that accepts Visa cards.**
- Direct deposit transfers to a checking or savings account.
- Balance inquiries at ATMs* and online at www.bankofamerica.com/eddcard
- Customer service inquiries.
- Card replacements.
*Non-Bank of America ATM owners may impose an additional "convenience fee" or "surcharge fee" for certain ATM transactions (a sign should be posted at the ATM to indicate additional fees); however, Bank of America does not charge any additional convenience or surcharge fees at a Bank of America ATM which would prominently display the Bank of America name and logo.
**Bank of America does not charge fees for cash withdrawals from tellers at other banks and credit unions that accept Visa cards. However, the other bank or credit union may charge a fee.
See your Cardholder Agreement for more information about fees.
8. What is a transaction fee?
A transaction fee is a fee that may be charged when making certain transactions, such as international ATM withdrawals or emergency cash transfers. A transaction fee may have also been charged if you made an international transaction with your EDD Prepaid Debit Card. Please refer to your complete Fee Schedule in your Debit Card Account Agreement to ensure you understand any transaction fees that may have applied to your card.
9. When are transaction fees charged?
Fees for prepaid debit card transactions would be charged to your account on the day they occur. Please refer to your complete Fee Schedule in your Debit Card Account Agreement to ensure you understand any transaction fees that may have applied to your card.
10. Am I responsible for transactions that I did not make?
The Bank of America "Zero Liability" Policy protects you against fraudulent transactions if your card is lost or stolen. This Policy is subject to the terms and conditions in the California Employment Development Department Prepaid Debit Card Account Agreement.
Link to Cardholder Agreement
If you lost your card or someone used your EDD Prepaid Debit Card without your permission, it is important that you contact the Service Center at 1.855.355.5058 (help is available in multiple languages) as soon as you can to report the card lost or stolen, report any unauthorized transactions, and begin the error resolution or dispute process. The California Employment Development Department Prepaid Debit Card Account Agreement you received with your card provides specific instructions on the dispute process and the time frames that apply to the Bank of America "Zero Liability" Policy.
11. What are the Bank of America EDD Prepaid Debit Card Service Center hours?
For your convenience automated account information and dedicated customer service representatives are available 24 hours day, 7 days a week by calling 1.866.692.9374, 866.656.5913 (TTY), or 423.262.1650 (collect, when calling outside the U.S.). Help is available in multiple languages. You may also go online at www.bankofamerica.com/eddcard.