EDD SDI payments started but no debit card yet - normal timeline?

congrats on getting approved! when i went on disability last year my payments started showing up about 4-5 days before i got the actual card. totally normal. the letter and the card ship separately.

The debit card is sent separately from Bank of America, not directly from EDD. It typically takes 7-10 business days after your first payment is processed to arrive. If you don't receive it within 10 business days, you should contact Bank of America EDD Debit Card customer service at 1-866-692-9374. You can also set up a direct deposit to your personal bank account through your SDI Online portal if you prefer not to use the debit card. Just log in to your account, go to 'Account Options' and look for 'Direct Deposit'.

Is this ur first time on disability??? If they already APPROVED u and money is going into ur account i wouldnt worry!!!! But i got sooooo confused when i first got my disability too lol. They do everything seprate and sometimes things get delayed in the mail. Card can take up to 2 weeks i think!!! Just keep checking ur mailbox!!

THE EDD IS THE WORST ABOUT COMMUNICATION!!! I waited THREE WEEKS for my card while they kept depositing money into the account I couldn't access! Called Bank of America multiple times and they kept saying 'it's been shipped' but wouldn't give me a tracking number or anything. Finally showed up randomly one day.

This is completely normal. The EDD payments and the Bank of America debit card operate on different systems. Here's what's happening: 1. EDD approves your claim and begins processing payments 2. Your approval letter is sent 3. First payment is issued to your debit card account 4. Bank of America gets notification to issue a card (this happens AFTER your first payment) 5. Card is mailed separately (can take 7-10 business days) If you need access to your funds immediately, you can call Bank of America EDD at 1-866-692-9374 to request expedited shipping of your card (may cost extra), or you can set up direct deposit to your personal bank account through your SDI Online portal. Keep your approval letter safe - it contains important information about your claim period and benefit amount that you might need for reference later.

If you're really stressed about getting your money, try using Claimyr to get through to an EDD rep fast. I was in a similar situation and spent days trying to reach someone. Used claimyr.com and got connected to an agent in like 20 minutes who confirmed my card status. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd

This happened to me last month! The card took about 9 days to arrive after my first payment. One thing to note - when you DO get the card, make sure you activate it right away through the Bank of America EDD card website. You'll need to create an account there to manage your debit card, which is separate from your SDI Online account. Also, they don't automatically send you a new card when you have multiple disability claims - they reuse your existing card for future claims, so keep it even after your claim ends!

I just went through this exact same thing a few months ago! The timing is totally normal - EDD processes and sends payments before Bank of America issues the physical card. I think it's because they want to make sure you get your benefits as soon as possible even if there are postal delays with the card. Mine took exactly 8 business days to arrive after my first payment hit. One thing that helped me feel less anxious was checking my SDI Online account regularly - you can see all your payment history there even before you get the card. Congrats on getting approved and don't stress, the card will come!

Hey Emma! This exact same thing happened to me when I first got on SDI about 6 months ago. I was so confused when I saw the payment in my account but no card in sight! Turns out it's completely normal - EDD starts your payments right away but the Bank of America card ships separately and takes about a week to 10 days. I think they do it this way so you don't have to wait for the postal service to get your benefits started. My card showed up on day 9 and I've had no issues since. Just keep an eye on your mailbox and don't panic if it takes the full 10 business days. The system works, it's just not very intuitive for first-timers!

This is super reassuring to read as someone who's about to apply for SDI! I had no idea that payments could start before the card arrives - that actually sounds like a good thing since you don't have to wait for mail delays to get your benefits. Question though - when you say the deposit "hit your account," do you mean it went to your regular bank account or to the EDD debit card account that you just can't access yet without the physical card? I'm trying to understand how the money flow works before I submit my application.

I'm going through the exact same situation right now! Just got my approval letter yesterday and saw my first payment deposited, but no debit card yet. Reading through all these responses is making me feel so much better - I was starting to worry that something went wrong with my application. It sounds like 7-10 business days is pretty standard for the card to arrive. Thanks for asking this question Emma, and thanks to everyone who shared their experiences! It's really helpful to know what to expect as a first-timer with SDI.

I'm dealing with this exact situation right now too! Got my approval letter on Tuesday and saw the first payment show up yesterday, but still no debit card. Reading through everyone's experiences here is such a relief - I was starting to think maybe I needed to call someone or that there was an issue with my claim. It's really helpful to see that 7-10 business days seems to be the standard timeline and that EDD starts payments before the card arrives. I had no idea they operated on separate systems! Thanks for posting this question Emma, and thanks to everyone who shared their timelines and advice. Definitely going to look into setting up direct deposit like Olivia mentioned too.