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How to Use Your EDD Debit Card to Piss Off Bank of America


I'm tired of Bank of America getting to profit off of Americans' hardships and am more than happy to help people stick it back to them.

This guide will show you how to prevent Bank of America—a predatory corporate bank that nevertheless got bailed out in the 2008 financial crisis—from profiting off of your unemployment benefits.

This guide will show you how to prevent Bank of America—a predatory corporate bank that nevertheless got bailed out in the 2008 financial crisis—from profiting off of your unemployment benefits.

The Rich Are Getting Richer and the Poor Are Getting Poorer

Americans across the country are fed up with billion-dollar corporations accepting bailouts while flying on their corporate jets to attend meetings in order to determine how many workers to terminate and how many jobs to ship overseas.

Corporate executives are writing themselves end-of-year bonuses that 99% of Americans will never earn in their lifetime. Americans are tired of billion-dollar corporations and the wealthiest 1% of Americans paying less of a percentage in taxes than a family of four trying to survive on $50,000 a year.

While corporations are earning record profits quarter after quarter since the stock market crash, these same corporations continue to lay off workers, cut hours, cut benefits, and decrease wages, all the while accepting subsidies from the very workers that they have laid off.

If you don’t believe that the rich are getting richer and the poor are getting poorer, would it change your mind if you knew that Bank of America makes $408,000 whenever unemployed California residents swipe their debit cards? What if I told you that BofA makes a boat-load more from California residents who are sick or who have sick family members?

If that upsets you, I suggest you continue reading to find out exactly how this corporate bank is profiting from millions of Americans and what you can do to stick it back to them.

The fact that a predatory bank that has repeatedly stolen billions from Americans is allowed to profit off of those same Americans' unemployment benefits is absurd and upsetting—don't let them get any more of your money!

The fact that a predatory bank that has repeatedly stolen billions from Americans is allowed to profit off of those same Americans' unemployment benefits is absurd and upsetting—don't let them get any more of your money!

Introducing the California EDD Debit Card, Courtesy of Bank of America

Since July of 2011, Californians who receive unemployment, state disability, or paid family leave MUST use Bank of America’s Visa debit card to receive their payments. Beneficiaries have no choice but to accept this form of payment regardless of whether or not a beneficiary has their own financial institution where they have a checking or savings account.

While Americans across the country were occupying Wall Street, unemployed Californians—many of whom have lost their homes from shoddy, unethical mortgages written by Bank of America—were making that same bank wealthier every time they swipe their EDD debit cards.

How Bank of America Makes Money From People Accessing Unemployment Benefits

Commonly referred to as a convenience fee, a swipe fee, or an interchange fee, all credit card companies are allowed to charge merchants a fee for accepting electronic payments, and these fees are often passed on to the consumer. Swipe fees currently run between 21 and 24 cents (down from 44 cents) per transaction. These fees total about $20 billion dollars a year for big banks. Additionally, banks are allowed to charge merchants .05 percent of a total transaction as a fraud loss recovery charge.

And while Bank of America did not pay California for the contract or vice versa, the bank makes $408,000 in convenience fees if every Californian on unemployment swipes their debit card just once or pays one bill via the internet with their EDD Visa debit card. Two swipes each and BofA makes $816,000 in convenience fees; three swipes and BofA makes over $1.2 million dollars in convenience fees. How convenient indeed!

These figures do not include fraud loss recovery charges or Californians who are on state disability and paid family leave. It only includes the 1.7 million Californians who are unemployed. Nice one, BofA.

If you happen to be a Californian receiving unemployment benefits, disability, or paid family leave, you must refrain from using the EDD debit card, whether by swipe or bill paying via the internet.

How to Use Your EDD Debit Card to Piss Off Bank of America

Obviously, you shouldn’t use your EDD debit card to swipe or to pay bills. If you have a bank, there is no reason why you should be using Bank of America’s debit card, since they are capitalizing on people who are down on their luck—people like you.

Don’t forget that BofA was a recipient of TARP (the bank bailout) and thanked you by raising your interest rate on your credit card!

Activate Your Card Over the Phone and Avoid Doing So Online

There are two choices to activate your EDD debit card, either by phone or online. Use the phone. If you activate the EDD debit card via the internet, there is a long list of personal information gathering in order to attempt to gain you as a customer.

Call BofA’s customer service number to activate the EDD debit card: 1-866-692-9374. Assign yourself a PIN number.

Request Your Money From a Bank of America Branch

Walk yourself into any BofA branch and request the money.

Note: You will need to know the exact amount on the card, since BofA doesn’t have this information.

I recommend that you ask for twenties in lieu of hundreds, because if you are handed a counterfeit $100 dollar bill, BofA will not reimburse you for your loss.

Take Your Money Elsewhere and Do Not Open Up an Account With Them

Make sure to give a firm, unpleasant “no” when the BofA teller asks you if you would like to open up a checking or savings account. If you are tempted, keep in mind that due to the recent cap in convenience fees from 44 to 24 cents, BofA plans to recoup its losses by charging their customers a $5 monthly service charge fee for those who use their debit cards.

Take your money to your financial institution and deposit it there.

After you have taken out your money and deposited it at your financial institution, visit Bank of America’s website and link your checking account to the debit card.

An important point to note is that neither Bank of America nor the EDD informs you that your EDD Visa debit card account number is your card number and your password is the last six digits of the card number. That's because BofA wants to make it very inconvenient for you to link your bank account to the debit card. The longer your money sits in the bank's money vaults, the more interest BofA receives from the Fed. Disgusting.

Access your account and input your financial institution information. You can choose to set up automatic transfers, which still takes up to two or three days. So, if possible, try to drive to a BofA branch and take out the cash immediately.

Note: If you need your money immediately, do not link your checking account to the debit card and transfer funds immediately, as this process takes two to three days. Your money will sit in BofA’s money vaults, and the Fed will pay interest to the bank on your money. BofA will also be able to loan out a percentage of your money, charging high interest rates and loan origination fees, and maybe even write another shoddy mortgage loan.

Your EDD Visa Debit Card Won't Work Exactly Like a Usual Debit Card

If you decide not to do any of the above and instead use your EDD Visa debit card, understand that it's treated differently than other debit cards.

Merchants can place holds on your account. Gas stations are able to hold up to $75 on your debit card (in addition to charging you more per gallon for using a debit card).

The below quote is from Bank of America’s website:

Are there any transactions that I can make with my card that will cause a “hold” on my funds?

Since your EDD Debit Card functions just like a debit card, there are certain types of common transactions where sometimes a “hold” of an estimated amount of final payment will be placed on your account to make sure you have enough money to pay the bill. For example, at gas stations if you are paying at the pump it may cause a hold of up to $75; consider instead paying inside with the cashier and signing the receipt where no “hold” will be placed on your card. In addition, hotels, auto rental, and restaurant merchants may hold the amount of your estimated bill until final settlement of the transaction, making these funds unavailable for other purchases. These holds may take a week to remove, so keep that in mind when making these special types of transactions. Remember to always check your available balance before making a transaction.

If you do not have a bank account, you either need to get one (not at Bank of America) or refrain from using your debit card as much as possible. For all purchases that you are able to pay via cash (grocery shopping, gas, etc.), stop at a Bank of America ATM machine, withdraw the money, and use cash instead of the EDD debit card.

  • Note: If you use another bank’s ATM instead of Bank of America's, you will be charged $1 after two withdrawals.
The kind of unethical policies and heartless tactics employed by Bank of America and other big corporate banks were the primary catalyst for the Occupy Wall Street movement.

The kind of unethical policies and heartless tactics employed by Bank of America and other big corporate banks were the primary catalyst for the Occupy Wall Street movement.

This Is What Occupy Wall Street Was All About

When big banks are allowed to profit from people who are sick, from people who are taking care of sick family members, and from people who are unemployed—largely due to the big bank’s unethical behavior—something is very wrong with our country.

What’s worse is that 99% of Americans are having a hard time changing this, because the 1% has all the money and the power.

Updated Information for COVID-19 Precautions

When you sign up for unemployment, there is now an option to receive paper checks;

Due to COVID-19, I would recommend that you use the transfer option on Bank of America's website rather than visiting the bank in person. It still can take up to three days to receive the funds in your bank account, however.

No, there is no minimum amount required to be remaining on your EDD card. You can use or transfer the entire amount. Your balance can be zero. The card remains open, so EDD is able to deposit money onto the card.

Gas stations will sometimes put an additional sum of money onto your purchase amount, however, and hold those funds until the transaction goes through. Why? I have no idea.

If you are calling Bank of America, I recommend doing so first thing in the morning—the wait time is not as long.

Nevertheless, I still recommend that you do not use your card. I recommend getting the cash out of BofA. Don't give them any more money!

This content reflects the personal opinions of the author. It is accurate and true to the best of the author’s knowledge and should not be substituted for impartial fact or advice in legal, political, or personal matters.

Questions & Answers

Question: How can I get a "replacement" debit card for my EDD claim when I haven't received the original and funds have been deposited twice so far?

Answer: Google: bofa edd debit card phone number, call and inquire on the status of the card. It will be about an hour wait on hold first thing in the morning....longer if you wait till the afternoon.

Question: How do I find my pin if I have forgotten it to my Bank of America EDD debit card?

Answer: You have to call the number on the back of the card, select the appropriate prompts, and enter a new PIN.

© 2011 Jenifer L


Christina Hodgen on September 21, 2020:

I need more money.

Frank James on September 18, 2020:

If my account number is my card number where would we fi da routing number. Are all bofa routing numbers the same?

Jenifer L (author) from california on September 15, 2020:

Your reply remark makes no sense.

Jenifer L (author) from california on September 15, 2020:

No, you need to have the card in order to get your money. The problem here is that the EDD needs to communicate your proper address to BofA. Even though EDD claims that they have the proper address, apparently EDD did NOT give the updated address to BofA. Your problem is with EDD.

Jenifer L (author) from california on September 15, 2020:

Next time get the cash rather than a refund to the card. Also, don't swipe your card. Not only did BofA make money when you swiped the card, BofA now has the money that was refunded to you. On top of that, BofA is making it difficult for you to get YOUR money. You should be able to verify your identify via phone. Call the BofA EDD phone number. You should only need your name, social security number, date of birth, and address. Ask to speak to a supervisor. Do NOT let them charge your for a reissue of the card if BofA closed it (I'm guessing because of the expiration date).

Antonette on September 14, 2020:

I returned something i brought with my edd card and they refunded my money to the card and bofa closed my card and said i have to come in to verify identity before they will reissue a card to me

carlos ayon on September 07, 2020:

how can i get my prepaid card link to get paid my unemployment with out calling or logging in app

abe on September 04, 2020:

i updated my address over 2 months ago but boa keeps mailing it to my old address so ive been chasing my debit card for 2 months and they keep giving me same answer (its not showing in there system call edd)ive got emails confirming that i updated and changed my address.anyways can i go in the branch with no debit card and get my funds ?

Dontneedsoap on August 22, 2020:

My name is Jennifer L and I don't know how business works:

"the bank makes $408,000 in convenience fees if every Californian on unemployment swipes their debit card just once or pays one bill via the internet with their EDD Visa debit card."

-- If everyone on EDD swipes their debit card, Bank of America will not make $408,000 in convenience fees. They will have revenue of $408,000 and have a lose of millions of dollars.

What do you think happens if BofA makes no money on this project?

- they either withdraw from the project (and EDD has to pay for it themselves because other banks aren't going to do it for free) or the State of California begins paying them for this service.

Thus, the tax payers of the State of California LOSE!

Jennifer Chewoian on August 22, 2020:

Please help I try calling the fraud department and every time every day at different times that I’ve called both the number on the back of the card and even the help number on the app I wait for around two hours only to be hung up on. I’ve never been connected to any fraud department that I’m aware of maybe once in the beginning for something I don’t even know Thursday how it occurred. So once again I called today and of course they put me on hold for two hours but I hung up and decided to write you because I don’t know what to do and I’m sure at this point that they use up most of my money and that might be why they’re doing this I’m not sure if it had something to do with Grubhub that I can remember. How do I fix this if I can’t get a hold of anyone who can fix it obviously there’s no fraud going on since it’s my card how do I get my money out I wish I’d seen this sooner Is it possible that they’re saying I can’t get my money out but I can? I’ve noticed times when I couldn’t make a payment or buy some thing and next thing you know it works again but this time he said there was a frog some thing on my account some nonsense?? Please help . I’m also wondering if transferring my money to PayPal which I was trying to do may have also given them a reason to do this to me please help thank you

Proud American on August 08, 2020:

@reese_smith to unlock card call number on back of card and follow instructions. It will allow your transactions to be approved. Its declined as a precautionary step against fraud

Sam on August 03, 2020:

Can I send someone in my family a Western Union wire transfer with my EDD debit card

Reese_Smith on July 29, 2020:

Anyone else having an issue where it says restricted or decline? with their EDD BofA debit card? I needed money to pay my bills and it took about 3 weeks to get my card. Where as I immediately went to withdraw 3 consecutive times and the 4th time, it says restricted. What do I do to get it unrestricted?

connie on July 26, 2020:

i have tried for 3 days to make a damn password to activate my BofA EDD card and it is immpossible

Rob on July 18, 2020:

Stunning this bank is involved in handling govt. benefits. I left them in 2011 because of their insane fees. As I struggled to finish college, work full time and have a family life, living paycheck to paycheck, these clowns would gouge me hundreds in overdraft fees. WHEN THE MONEY WAS THERE. Flat out theft imo

Pat on July 15, 2020:

I just tried to transfer my funds to my checking. It states on the website to make sure that the account and routing number are correct because if not, they can't get the money back for you. I went as far as clicking submit, but noticed that they don't show what account and routing is going to be used for the transfer on the last screen. Noped right out of there...I'll try going to my bank.

ART on July 10, 2020:

My bank has two routing numbers. Which one am I supposed to use? Is it considered a direct deposit or a wire transfer? When I'm shown the two routing numbers this is the message underneath:

"This routing number can only be used for direct deposits and ACH transactions. For wire transfers, please use routing number..."

Jenifer L (author) from california on July 08, 2020:

Hi Dominic,

Unfortunately there is no other way to get access to your money until you get the card. When you file for unemployment, there is an option to receive paper checks--that is one of the things that changed since writing this article, and that update is at the bottom of the article.

BofA apparently has a limit to how much you can withdraw, so at this time, I would advise you to activate the card as soon as you get it and then transfer the money online to your checking or savings account.

Another option is to go to your own bank, and if your bank offers Visa credit card, you can transfer the money from BofA directly to your bank (you will need to know the exact amount). Present your bank with the BofA card.

The third option is to go to BofA once you get your card. Again, have the exact amount on the card and withdraw. They will tell you that they have a max limit for withdraw, but remind them that you ARE NOT a BofA customer, and you need your money now.

I am sorry about the card. Those cards are good for four years, and the cards are used for all state benefits (disability, PFML, unemployment).

We had the same thing happen with losing the card. With a one-person income in our household, we needed the money ASAP. We went eight weeks with no income, an extra six days went to waiting for a new card to be sent by BofA.

Dominic on July 08, 2020:

I applied for unemployment 4/2020 and I was just processed, after waiting all that time and a week after they said it was sent they figured out that it was sent to boa prepaid debit card!?!? I signed up for direct deposit, and on top of that I applied two years ago when I left my job of 20 yrs and was denied, but I was supposed to keep the boa debit card they sent me? Now I have to wait another week (even with expedited mail) to receive a new card. So the money is in boa's vault while I'm struggling for months, I know damn well there's a way for me to get my money before I get the new card

Jenifer L (author) from california on July 01, 2020:

This is a rule for BofAs customers. You are not a customer. Another reader had the same problem, but she was successful in obtaining her money in one transaction based on the fact she is not a customer

Jenifer L (author) from california on July 01, 2020:

If your bank utilizes Visa credit card, you can go into your bank. You could also do it online on BofA website, although it can take up to 3 business days to transfer.

Lena ryan on July 01, 2020:

B of a would only allow me to pull off up to 1500 dollars a day at the teller is this normal

PJ on June 30, 2020:

I can't get anyone on the phone from BoA to transfer my EDD Debit balance to my checking account, any other plans or ideas?

Jenifer L (author) from california on June 28, 2020:

When you use "credit", you are charged more money. This is usually around .10 per gallon. A swipe fee.

Kevin on June 27, 2020:

If using a debit card at a gas station pump, when it asks “is this a debit or credit card” (even if it is a bebit card) click “credit” not debit or click “no” it’s not a debit card then it don’t ask for a PIN it asks for the cards zip code. Punch in your zip and there will be no hold put on the account but you’ll onky be charged for the amount of gasoline put in your vehicle

Cristina S on June 20, 2020:

I hate B of A and have told anyone that listens now I am more upset knowing they do this !!!! What’s wrong with the government... how did that bank get the EDD deal?? I recommend all the credit unions ... they don’t rip you off ... why can’t we just boycott in front of B or A ??? Wondering if that is illegal ?

PC on June 10, 2020:

Thank you for letting everyone know how much they profit off of unemployment cards! This bank is evil! When my brother in law, under severe financial stress, had a stroke at age 40 in 2009 (he survived), we looked at his finances and were stunned to find B of A was charging $35 PER overdraft, even if funds were deposited prior on that SAME day... ten bills on a day, they'd take $350 in fees! In total, B of A stole over $9,000 in overdraft fees from his bank account, who knows what he had been going through as he kept trying to refill the bucket. Take money out of B of A!!!

Jenifer L (author) from california on June 09, 2020:

You are correct! That has been my experience as well after I say that I am not intrested in banking with them.

Michael Smegma Pence on June 09, 2020:

Bank of America tellers are very rude to EDD cardholders who do not have B of A------ accounts. They try and get you to go to another bank even if you do not have any bank account anywhere.

Jenifer L (author) from california on June 07, 2020:

That is correct, Richard! But my view is that BofA should not be allowed to profit from the unemployed. Especially when their shoddy mortgages contributed to people's unemploymeent status.

RichardMenzies on June 07, 2020:

It's not JUST B of A that charges stores for point-of-sale transactions, it is most EVERY credit and debit card!

Jenifer L (author) from california on June 07, 2020:

RIchard, there is an update in my article about the card versus a check.

Additionally, BofA charges the store a surcharge, and the merchants pass that on to the customers. This information is in my article.

RichardMenzies on June 07, 2020:

Firstly,I hate banking institutio.

That being said:

Clearly you have not investigated the facts.

B of A is NOT the one placing a.25 cent "convenience fee" on debit/credit cards, IT IS THE STORE that does that.

VERY clearly stated with the card info is "ATM owners [which includes point-of-sale machines] may impose an additional 'convenience fee' or 'sur charge' for certain ATM [and pay-point] transactions, however you will not be charged any additional converience fee or sur charge fee at any B of A ATM.

Another fact:

Read the informatio from EDD:

"You do not have to receive your payments on this benefit card".

This is one of THE most incredibly uninformed, deceptive and ignorant posts that I have ever read online.

Amy9204 on June 06, 2020:

Thank you! I just wasted an hour of my life trying to deal with them because now, after getting some extra benefits on my unemployment account, which gives me a higher balance than I usually have, I discovered that they don’t allow you to transfer more than $5000 every seven days. That has to be illegal. This is our money. I can’t find the information about transfer limits per specific time period anywhere else on their site. You also can’t use your edd card for Apple Pay, PayPal, or Venmo. It’s like they’re forcing you to use it for BofA. I used to have a checking account with them and it was a nightmare. They are the absolute worst. I am definitely going to withdraw my money from a branch and stick it to them that way as you suggest. Never gonna use the card again. experiences like this make me appreciate my sweet little credit union even more. Thank you for the appropriate title to your post, which is how I found it! :-)

Jenifer L (author) from california on May 29, 2020:

Wow! I am so sorry! There is now an option on the EDD website to receive paper checks rather than using an EDD card.

Jenifer L (author) from california on May 29, 2020:

I would call the BofA number. However, make sure that the gas station did not put additional money on hold. When you purchase gas with the BofA card, an additional amount of money is put on hold until the transaction goes through.

JohnsonShayD on May 28, 2020:

Preamble to the article was quite a lot of foreplay, glad it finally rolled around and delivered the promise built into the title.

I do wish I'd have read this 2 weeks ago as I'd probably not be ticked off as badly as I am at 2:00AM on a Thursday, searching for something to take my attention off feeling like Bank of America just zipped up their pants and told me to wipe my chin. From the beginning of dealing with these arrogant jerks at BofA, even a simple card activation, which 20 years ago my kindergarten aged son used to do for fun, is a trollop through information gathering, terribly poor worded phrases and questions to keep you around their website longer and nauseating advertisements that make it easy to understand why after dealing with them, some people run screaming from their homes, rubbing peanut butter in their hair while clutching their prepaid debit card. (look it up!)

The kicker for me today was a really embarrassing moment trying to purchase a 2$ flashlight. I'd activated the card already, went through my hazing initiation and learned all the Bank of America secret handshakes, do's and don'ts, setup my mobile BofA prepaid debit card app, setup the BofA online Account Access (a completely idiotic joke of an online banking account, different user/pass, verifications, etc. P.I.T.A) and tested the card twice making small purchases. This 2$ purchase flashed "UNAUTHORIZED ACCESS" on the checkout screen for all to see. Having no cash on me, I left the store and the flashlight there. Going to the grocery store thinking it was a fluke, I shop for an hour, push my cart to the register, unload, check out and when it's time to pay - "UNAUTHORIZED ACCESS" I didn't get my groceries. I go home and call the BofA Customer Card Care department and hear the automated recording say "YOU ARE CALLING ON A CLOSED ACCOUNT" What the hell is going on? Operator comes on, asks me for 10 kinds of identity verification stuff like color of my neighbors carpet, length of cat's tail, etc (not really the cat one, but they are excessively stupid about this part) The 'service' representative rushes at that point and says "it all looks good, no problems here and thank you for calling Bank of Amer...." WHOOOOOAAAAA! I explain, she says oh, I understand, could you please hold for a teeny tiny moment? 2 HOURS AND 10 MINUTES later I'm still listening to the worst music I've ever had nightmares about and then the line goes dead. Guess what time it was? That's right folks, quitting time. 4:59 PM Pacific Time. I call back and these pompous jerks tell me I'll just have to call back and talk to someone in the morning because it looks as if someone blocked here blocked your card. We can't unblock it until you call the Risk department. CLICK! They hung up. Now I'm boiling. I need my money. It took 2 weeks just to get the card and 2 more days of BULL**** to get access to my money. I called back and a new person answered who asked me if I tried "linking another bank to the card for transfers or something?" I said yes and she almost whispered "don't ever do that here" ... at least that was her message. No, she couldn't turn my card on but she made me very clear about trying to hook up a simple bank account to transfer money was a BIG NO NO at Bank of America. She told me that she was sure it was that and I'd have to call the RISK department, answer some more questions about tire pressure and 3rd grade teachers birthplace but thought I'd come out ok.

I've got 1 hour and 47 minutes to go. Thanks for letting me vent about the biggest, most corrupt waste of space in the known universe - Bank of America. They truly do suck and for their sakes, I hope they turn loose of MY money without any more aggravation. In case they are difficult or wanna play telephone toughguy or something, I figure it's time for them to stress and be embarrassed now. I am ready with phone numbers and contact information with the news stations who do stories about consumers like us, getting screwed by big corporations. I'm done playing these games and feeling ran over.

Dustin on May 16, 2020:

How do I get money back from fraud on my BofA card that happened at a gas pump?

mara/i hate BofA for lying- stealing on April 10, 2020:

B of A stoled my inheritance 40 ac and my home under construction. my construction loan was to roll over to a 30yr fix apon completion. this was in 2007-2008 it was time for last draw, Kelly Bird from BofA told me house had to be compleat and every contractor paid before i got last draw so i borrowed 40k from my dad , everyone paid up house finished, Bof A valued my home at 550k my loan was for 315k I paid out of pocket for a lot. Kelly Bird told me i would not get last draw because i no longer qualify for the loan because guidelines changed due to the realestate crash in 2008 Bof A told me i had to vacate my home and property i owned they forclosed on me because my home was worth 2x what i owed, they would not give me last draw to finalize house finished. every attorney i spoke with told me that the banks are getting away with whatever they want and their is nothing they can do. i had to move to my other house find homes for all my abandon-abused animals i have taken in (dogs,cats, horses, goats, sheep,pigs) over 50 babies that broke my heart not to mention the property has been in the family for over 40yr we had our pet cemitary on it, not only did i loose property home i still had to pay my dad back the 40k 30k on a second on my other house to have commercial solar out there because it was off grid. I hate BofA i will never use BofA they should never of been bailed out, Kelly Bird lied to me and i cried so much for loosing everything, separating all the babies i worked full time (server)i had no problem paying off loan but they refused to turn it into a mortgage so they could steal my home, 12yr later and i still hate Bof A/kelly bird

ScrewBofA on January 26, 2019:

A teller refused to help me in a branch! I was told I have to use the ATM

tom on March 29, 2018:

To the Lloyd Blankfein of Goldman Sachs. CBS anchor woman Cindy Hsu recently got involved in dangerous coraption business with crazy CBS anchor Otis Livingston to steal money from Goldman Sachs company employees bank accounts never trust Cindy Hsu and Otis Livingston they belong in prison!!!!!!!!!!!!!!!!!

Shurtado on April 28, 2017:

whats funny is that i had disability in 2011 for brain surgery, so without knowing they (edd) sent me a new card in 2014 to an old address and with me filing a claim now (COMPLETE DIFF. ADDRESS) due to hip replacement "you'd think they would realize that i have a new address on file". So here i am for weeks waiting on this visa card that i thought i would receive, but no not until i called to place it as stolen or lost, was i told "oh you were sent one back in 2012 at such and such address..but its funny because my claim does not have that address and what really got me is that i would not have been notified and they would be gaining from my money while bills are piling up and I'm completely in the dark, now the real doozie is i can now wait almost 2 weeks to receive the new updated card or pay them $10 to receive through express mail and of course no worries because they can deduct it from my check. I would think that this is their mistake and i shouldn't have had to pay since they didn't even check to see that my addresses were completely different however since they automatically send out a new card to those who ever had priors claims "every 3 yrs. you get a card no matter if you need it or not.. Ridiculous "i tell you"..

Melanie Palen from Midwest, USA on April 15, 2017:

Wow, that's really crappy! Good thing I don't have a Bank of America EDD card! That would be awful!

Tom on March 18, 2017:

Here is the issue I have

Since my back disability pay is a little over 9k for almost 8 weeks they paid in three payments two at 3k+ each and one at 2k+.

Now only one transaction hit my checking account the rest are sitting on a card I can no longer find

The reason only one hit was they have a max of 5k per week that can be transferred

I now have to wait for a new card (2 weeks since I have a po box)

Then I need to call to have one transferred every other week as it can't come the same week as my next payment

So all said and done they will be using my money for over a month before I can get it all

Went to a branch and they said they are not linked to edd accounts and can only deal with them over the phone

B of A sucks!!!!

Boycotting BofA on March 17, 2017:

I am not an Occupy Wall Street type. Though many of the large corporations in this country are run by corrupt individuals that take advantage of the political climate in the country to cut benefits and pay, legally discriminate, move jobs abroad etc....

It is the this type of scheming executive in a large corporation that will point out to their employees how all inclusive they are in advancement and in hiring ..but yet they discriminate towards older tenured employees and other would be employees based on age, race etc... They will reduce your pension (in front of your eyes) and tell you to your face they have not.

OK, OK ..Don't want to get carried away. My point here is although I do not support the way Occupy Wall Street goes about its business; I agree that there are big companies that need to be taught a lesson by the American people, and Bank of America is one of those companies. This thread is about how not to use the California EDD Visa debit card issued by Bank of America.

The following is about transferring funds from the B of A debit card account as explained on the EDD site:

•What is a direct deposit transfer?

A direct deposit transfer is done electronically and transfers the money available on your EDD Debit CardSM account to your personal checking or savings account. Most can be done fairly quickly. After you receive and activate your card, contact Bank of America either online or by phone, 1-866-692-9374 (voice), or TTY 1-866-656-5913, to set up your direct deposit transfer.

Important Information about direct deposit transfers:

•Direct deposit transfers cannot be performed until you receive and activate the EDD Debit CardSM.

•You do not need a checking or savings account with Bank of America to set up a direct deposit transfer to your own bank account with another banking institution.

•Direct deposit transfers can be set up as a one-time transfer or as an automatic recurring transfer.

•A valid e-mail account is required.

•Delays may occur until the next business day if you bank at a smaller institution or if the transfer happens over a weekend when banks are closed.

•This option can be set up by contacting Bank of America either online or by phone, 1-866-692-9374 (voice) or 1-866-656-5913 (TTY). Do not contact the EDD to set up a direct deposit transfer.

•If immediate access to your funds is critical, you may choose to only have a portion of your benefits transferred to your personal bank account and keep the remainder on your card so those funds are immediately available.

•You may begin, modify, or stop your direct deposit transfer at any time.

•Direct deposit transfers may also be referred to as a funds transfer.


This is how to do it ONCE YOU OBTAIN the debit card. Which is my problem. That's another story and the reason I ran into this article today.

Long story short. B of A expected me to keep an ATM card from a claim last year. After fracturing ribs this year and filing a new claim EDD sent letters stating they deposited funds into B of A. I've been waiting for a card. Finally after a few weeks I call them. They expected me to keep the used up card from the old disability claim. Then told me it would be $10 to have them expedite shipping to get the card in a couple of days or I can wait 14 days to have it processed and mailed through the post office. That was a couple of days ago. I decided I'd call them back today and asked them to wire the funds to my credit union. They would not but told me they would send the cash to me via Western Union for a $15 fee. I told them I'd wait.

I have enough to get by until the card arrives using rainy day funds ..but it is the fact that Bank of America is making this so difficult to get my disability payments that has me up in arms.

I am canceling my B of A MasterCard and will not do business with Bank of America again.

CurrentEDDCardholder on January 17, 2017:

Hmmm, I am not sure about other banks, but I never have to go into a BOA location to obtain my disability payments. Neither do I ever use my BOA EDD Debit Card to make any purchases or attempt to transfer funds online or by phone. I take my own personal debit card to my own personal bank, along with EDD card and formal ID. The bank transfers my money either into my personal account or cash on spot. I usually get cash and deposit it into ATM so funds are available immediately in my account. I never have any issues. I also am not charged any fees by doing this. I collect my full payment amount.

rocknroth on January 04, 2017:

I am expecting my last Disability Deposit...

Since I filed my last form on-line I have been checking back every day.

Now it says "Access Denied-You Do Not Have Permission of Access This Server" WTH?

So I backed out and tried again and again. same message.

FINALLY, after about the tenth try, I got back in and was able to log-in!

WHEW, BUT where are my funds?

CA has not processed it! Usually I mail it but given the holidays, I filed on-line, BUT NOOOOOOOO it was not processed after ten days...

If I mail it in, it is processed in about three days.

I guess they can hide the fact that they are not working or processing on-line. This is why they get things mailed in that should have been processed in a timely manner on-line. I still have time before the deadline so I am mailing in the form anyway. ;)

Thank you all for posting, this has been most valuable.

Sayyes2014 on October 19, 2016:

What if you already bank with BofA what could be recommended for that? Could I or should I transfer funds into my account?

Heather on August 17, 2016:

Thanks for the info! I've been drawing out the money and depositing it into my CU account, but I was pretty irritated to have to make that extra step instead of just depositing checks like before. I would like to share this article on Facebook, but I don't see a link to do that. Any suggestions?

Jo Mills on August 17, 2016:

They HATE when I go in and get cash off the card ... they told me yesterday that they do not service these cards and I must call the customer service number, I grabbed my card back and said, no thank you, I want you the cash, and need it this instant. He did it, but hated it ... I'm going back there to the same branch, until I'm employed ... B of A took money from me for YEARS ... thousands in fees and mistakes ... to thank you ... I'll use the card to get my cash, but not a second longer than I have to ... I want nothing to do with B of A ... including using it's funky agreement with EDD.

justyce2014 on December 24, 2013:

i just wanted to add that now you cannot use your card for online purchases as it is now considered a prepaid loadable piece of shit. Am definalty going to a credit union cuz this messed up my christmas as far as ordering online. AGAIN YOU CAN NOT USE THIS CARD FOR ONLINE PURCHASES IF YOU ARE MAKING "PAYMENTS" IF YOU PAY IN FULL ORDER ALL DAY LONG, BUT TRY TO USE IT FOR VALUE PAY, AND IT'S a NO..BUT THEY WILL accept PAYPAL? WTH? I AM SO DONE WITH BOA, ESPECIALLY AFTER LAST YEAR ON 12/07 THEY SOLD OUT THEIR PROPERTY PRESERVATION DEPT TO SAFEGUARD AND WENT TO TEXAS AND LAID EVERYONE OFF RIGHT BEFORE CHRISTMAS. I REALLY HATE THESE PEOPLE.

Michelle on July 31, 2012:

I'm going to have to agree. BofA sucks monkey balls. I'm currently on disability and having foreclosure. They decided to add$ 1500.00 to my financials for a modification. When I asked them to change it, they refused even though this is what they will base my loan payments on. They can have my house. Its not worth the stress. They are not helping fine owners to keep their homes, they wouldn't even help with the principal on the loan. This is the Obama plan?

Jason on June 20, 2012:

I'm a Californian, unemployed since Jan 2010, and I both am a BofA customer and UIB card holder.

I have never, since receiving my UIB card, been charged for using it under these so called "transaction fees" of $0.21-.44 you guys speak of, except at gas stations when I didn't have cash on me (now I always carry cash).

I've had a few mysterious $3~ fees from BofA from time-to-time on my "campus edge checking account", but they've always waived my overdraft fees, so I'm not complaining.

So long as my account is free at BofA, I'm actually a satisfied customer. Don't know what all the anti BofA flaming is for. Wells Fargo charged me $7,000 in overdraft fees back in '09!

Jenifer L (author) from california on April 21, 2012:

It's not just the state of California--many states have enlisted the big banks for the distribution of money for people collecting unemployment (et.al.).

Stacie on April 20, 2012:

Why on earth is the state of California making people use B of A to get their money? We should be mad at the state of Califofnia!

Norcall fairy on February 27, 2012:

Thanks for the info. I couldn't figure out how to log on and transfer my money out. And b of a customer service was of no help! Btw, if you want to make a difference take your money to a credit union!

Del on February 16, 2012:

B of A is owned the Catholic church which also ownes GM. The Vatican is one of the most richest and powerful institution on the planet. B of A along with Citi Bank and other big banks illegally evicted American famalies from their homes and then pled a deal with the Federal Government (along with Citi bank and other big banks)to pay $25 billion for causing a $750 billion housing problem. And the kicker is that evicted families will only get $1,500.00 for being illegally evicted. Money is not bad. It is man's heart that has an evil nature. When it comes to making money over putting people first, money will more than likely win. A millionaire is never happy with his money; he always wants to make more and more is never enough.

Tiffani V. on February 03, 2012:

Deni, THANK YOU so much for the information. The company I was working for recently went out of business. Therefore, I found it necessary to apply for unemployment. Much to my surprise, instead of a check I received a notice stating that I would be receiving a Visa Debit Card from Bank of America (an institution I've always loathed) in 5 days. I was stunned and livid!! I searched online to see if anyone else was as steamed as I was and could see how wrong this is. Which is how I came across your article and helpful tips. I did exactly as you said, called to activate, went into a BofA branch and withdrew the full amount. Yes, I was asked if I considered opening an account with them and said "No, I don't want to do ANY business with Bank of America. And all of this pisses me off." (I wanted to tell her I'd rather eat my own vomit than have an account with BofA). I just went to their website and linked to MY account with Wells Fargo. Again, thank you! :)

Jenifer L (author) from california on January 31, 2012:

Why am I not surprised?!

Saadie on January 30, 2012:

You can't withdraw more than $1000 per day from a BofA teller nor a BofA ATM or any other ATM. THey are liars because on their faq page https://prepaid.bankofamerica.com/EDDCard/PRC384/C...

They state there are no limits yet there are $1000 daily limits.

Saadie on January 30, 2012:

Good luck getting the money from BofA-holes. I had a few thousand bucks on the card because my claim was being processed for a few weeks and the money added up. So I go into my local BofA-holes to take out my money off the card. They say nope you can only take out $1000 a day unless of course you have a BofA-hole account. So I would have to go there multiple times to get my money. I called the number on the account and they said that yes as long as I saw a teller I should be able to get ALL my money but no they said they just implemented this policy a month ago at this stupid bank. I called another local BofA-holes and they said they didn't even have that much in their bank at the time! So I'm going to have to get a babysitter and trek far into the city to get my money from a bigger BofA-holes. This is the most ridiculous thing I have ever encountered and this is MY MONEY!

Jenifer L (author) from california on January 27, 2012:

Sorry, but you are incorrect. When my husband received his card, the account number and password was not on the card. Also, by viewing how people have found this article by searching for the information--this is not the case, either. Perhaps it's true today, but even up until 30 days ago, people are still trying to find this information.

Thanks for your comment!

asfd on January 26, 2012:

The sticker on the card which comes with the card informs all cardholders that the card number is the username and the password is the last six digits are the passwords. Stop making up lies to make yourself look good. Its ignorant pricks like you that make America worse its not the 1%. The 1% got there by hard work and determination which all of us can achieve.

Marcy Fierro on January 21, 2012:

Thank you so Much for the info!!! Ive been looking for this forever!!! Money is in my Credit Union Acct and no longer B of A!!!!!

stephen on November 27, 2011:

I'm. Going to get my edd card tomorrow. I was planning on withdrawing the money from bofA to my own bank and now I definitely will.

Camacho on November 26, 2011:

This is making me sick! I thank you for this very enlightening info! I will be only too glad to take my dough out of Bake of Ass-----. I never did like the taste of being fed pooh! I was not happy at all when I received my card. Bad enough I have to be on unemployment, but now I am helping to make the rich richer. BROTHER CAN YOU SPARE ME A JOB?

John on November 01, 2011:

Not all corporations are evil, not all rich people are evil, but ALL megabanks ARE. "Too big to fail"? Know how we got out of the Great Depression? We let the banks fail. Lending money for a profit is a sin, Jesus turned over the tables in the temple because of this very reason. We need to dissolve megabanks. Small local banks and credit unions are not like this. And we certainly need to get rid of the Fed Res.

Jenifer L (author) from california on October 19, 2011:

I agree with you.

I was a bank teller for a very short period of time when I was younger. We always had the pep talks...sell, sell, sell. We would be pulled aside on the days that welfare checks went out, making sure that we knew to really push checking accounts. I never was good at it, and my boss was always reminding me of that. It was just disgusting.

SanXuary on October 19, 2011:

Bank of America is a criminal organization ran by con men. Everyone should take their money out of the place and leave it bankrupt. I have never had an account their but if I lived in California I would call my legislature and demand that the state remove any association with them. If it costs the taxpayers anything to have an account with them, without choice they should have every right to not keep their money there. This bank proves that they will subvert any regulation or loop hole in order to rob and profit from others. When they can not do it legally they craft plans that force the poor as usual to accept their costs. Go Wall Street Protesters of California and put them to shame.

Jenifer L (author) from california on October 18, 2011:

Oh, no...Chase. I had been putting off searching for banks that may have gained a contract similar to California's. I knew it would be bad news. We are all at the mercy of big banks...aargh!

Dora Weithers from The Caribbean on October 18, 2011:

Good information and strategy to take control. You would think that our present economic situation would remind businesses and individuals alike to avoid greed and trickery. In MI Chase get the honors of serving the unemployed.

Jenifer L (author) from california on October 16, 2011:

Hillbilly Zen, it is completely outrageous--makes me feel, well, pukey! Pi** off, BofA!

The bunco squad--

Thank you. I'm hopeful that enough Californians find this hub, read it, understand it and get pi**ed. Enough is enough. If you can't be at an OWS demonstration, cut up your BofA card--inside the branch!

Thanks to both of you for reading and leaving great comments.

the bunco squad from Savannah GA on October 16, 2011:

Great hub, and a great way to keep Mr. Banker from stealing more money. As I watch the O.W. movement grow I am even prouder to be an American. For the longest time I thought that My life would pass before the people woke up to the bondage they had been sold in to.

Hillbilly Zen from Kentucky on October 16, 2011:

This is an outrage and as usual, Ms. Deni, you're right on target. It's this kind of insidious highway robbery that Americans need to be made aware of, and thank you for doing just that. Thumbs up and totally awesome!

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