UPDATE: Finally got through to EDD this morning! Turns out there was a discrepancy between the dates my doctor entered and my original claim dates. The rep fixed it right away and said my payment should process in the next 24-48 hours. Thanks everyone for your suggestions and support!

So glad you got it resolved! This is such a common issue with EDD - small date discrepancies between what doctors submit and the original claim can cause major delays. For anyone else dealing with this, it's worth asking your doctor's office to double-check the exact dates they're certifying against your original claim dates. Sometimes they use the wrong start date or accidentally overlap periods. It's frustrating that these technical glitches can hold up payments for weeks when people are already dealing with medical issues and financial stress.

Thanks everyone for the helpful responses! I'm going to try calling tomorrow morning when they open. Hoping I can get through without too much of a wait. I'll update if I run into any issues with the process in case it helps anyone else.

Good luck calling tomorrow morning! Pro tip: I've found that calling right at 8:00 AM sharp gives you the best chance of getting through quickly. Also, have all your info ready before you dial - claim number, SSN, and be prepared to verify your identity. The whole process once you get through usually takes less than 10 minutes. The representatives are generally pretty helpful with payment method changes since it's a common request. Hope it goes smoothly for you!

I just went through this exact same frustration with my EDD disability card! The zero balance issue is incredibly common - it happened to me too even though I could see approved payments in my online portal. Here's what finally worked for me after days of trying: 1. Call the number on the back of your card and immediately ask to speak with the "EDD prepaid card fraud department" - don't let them transfer you to regular BofA customer service who can't help with these specific cards. 2. The zero balance is almost certainly an automatic fraud hold they put on new cards with large deposits. Once you verify your identity with the fraud department, they can release it immediately. 3. For transfers, forget the mobile app completely - it's terrible. Use the desktop version of prepaid.bankofamerica.com/eddcard (not the regular BofA website) to set up direct transfers to your bank account. 4. If direct transfer doesn't work, the PayPal workaround someone mentioned above actually works great - just make sure to use the free 3-5 day transfer option. The whole system is unnecessarily complicated, especially when you're already dealing with pain and mobility issues. But once you get through this initial setup nightmare, the transfers become automatic. Don't give up - your benefits are rightfully yours! Hope your back feels better soon.

I'm so sorry you're dealing with this frustrating situation on top of your back injury! I went through something very similar when I was on disability for a knee surgery earlier this year. The EDD/BofA debit card system is truly awful and feels designed to make everything as difficult as possible. A few things that helped me get through this nightmare: 1. The zero balance issue is almost always a fraud hold - call the number on the back of your card and ask specifically for the "EDD prepaid card fraud department." Don't let them transfer you to regular BofA customer service. 2. Use the desktop version of prepaid.bankofamerica.com/eddcard (NOT the regular BofA website or mobile app) to set up direct transfers to your bank account once the hold is released. 3. If you're still having trouble, try the PayPal workaround - add your EDD card to PayPal, then transfer from PayPal to your bank using the free 3-5 day option. 4. Keep your confirmation numbers from any EDD payments you can see in your online portal - this helps when talking to customer service. The most important thing is not to panic - your money is there, it's just their overly aggressive fraud prevention system causing problems. I know it's incredibly stressful when you're already dealing with pain and can't easily drive to a branch, but you will get through this. Focus on your recovery and don't let this financial stress make your back worse. Hang in there!

UPDATE: Finally got through! Used the 12:01pm tip from @profile6 combined with the menu sequence from @profile2, and miraculously got connected to a representative after only 15 minutes on hold. They confirmed what @profile2 suggested - there was an Action Item in my account requesting additional documentation about my ongoing treatment plan. I've submitted that now and they said my extension should be processed within 3-5 business days. Thank you all for your help!

So glad to see this thread - I've been lurking here for weeks trying to figure out how to get through to EDD about my own disability claim issues. Reading through everyone's experiences, it's clear the system is really broken when people have to crowdsource phone tricks and hidden menu options just to talk to someone about their benefits! I'm dealing with a similar situation where my claim has been "under review" for over a month with no communication. Going to try the 12:01pm calling time and check for those Action Items that @Andre mentioned. It's ridiculous that we have to become detective-level experts just to access services we've paid into, but I'm grateful for this community sharing what actually works. Will report back if I have any success!

I'm dealing with a similar situation right now! My SDI payments were coming on Thursdays for the first month, then EDD had to do some kind of manual correction on my claim and now I haven't received anything for over a week. I'm not sure if my payment day shifted or if there's still an issue with my claim. Did you get any kind of notification when your payment day officially changed, or did you just have to figure it out by waiting to see when the next payment came through? I'm trying to decide if I should call them or just wait a bit longer to see if it shows up on a different day.

I'm in the same boat right now! My SDI payments were always on Tuesdays for the first 3 weeks, then last week EDD had to manually fix something with my certification and now I'm not sure what day to expect my payment. It's so stressful when you're trying to manage bills and expenses while on disability. Based on what everyone's saying here, it sounds like the payment day shift is permanent after manual processing, which is frustrating but at least predictable once you figure out your new day. I'm going to wait until tomorrow (Thursday) to see if my payment comes through, and if not I'll try calling EDD or maybe that Claimyr service someone mentioned. Thanks for posting this question - it's really reassuring to know this is a common issue and not something wrong with just my claim!