EDD Bank of America card came in mail - No funds loaded yet. Am I approved?

Getting the card doesn't necessarily mean your claim is approved. EDD often sends out the B of A cards while your claim is still processing. The card is just the payment method they use - they'll load it with funds once your payments are actually approved. Keep checking your UI Online account for when your status changes from 'pending' to 'paid'. Once it shows 'paid' on the website, funds are usually loaded to the card within 24-48 hours.

got mine 2 weeks b4 any money went on it. edd takes forever lol

They mail the cards automatically when you first file a claim, regardless of approval status. I've helped many people through this process and there's usually a 1-3 week gap between receiving the card and having funds deposited after approval. The key indicators to watch for are: 1. Your UI Online status changing from 'pending' to 'paid' 2. An email/text notification if you set up alerts 3. A payment transaction appearing in your payment history If you had your eligibility interview last week and it went well, you should see movement on your claim within the next 7-10 days. The first payment typically includes multiple weeks if you've been certifying regularly since filing.

same thing happened 2 me back in january. got the card but no $$$ for almost a month after! so annoying when u need the money right away.

nope just waited & checked website like 100 times a day lol. one day it just said PAID instead of pending

My situation was exactly like yours about two months ago. I received the BoA card but couldn't get through to EDD to check my claim status. After days of calling and getting the "we're experiencing high call volume" message, I found Claimyr.com and it literally saved me weeks of frustration. They connected me to an EDD rep in about 20 minutes who confirmed my claim was approved but stuck in pending due to a system flag. Got my first payment 2 days later. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km

You really shouldn't worry too much about this - it's totally normal!! The EDD system is RIDICULOUS with how they handle these things. They send out cards before approving claims and don't explain ANYTHING properly!!! I got my card 3 weeks before any money was on it, and my husband got his card but was ultimately denied benefits (different situation though, he was fired for cause). The card means NOTHING except they processed your initial application and set up your payment method. Your claim could still be denied or approved at this point.

Quick update on your original question - you mentioned you had your phone interview last week. That's actually a good sign since they typically only schedule those when your claim is close to being processed. If the interview went well and there were no issues with your employment separation, you should see movement soon. Just make sure you continue certifying for benefits every two weeks even if you're still pending.

when i got my card i called the BoA EDD number on the back and activated it right away then i could at least check the balance with the app so id know when money finally showed up instead of having to log into UI Online all the time

One last thing to remember - once your payments do start coming through, you can set up direct deposit through the BoA EDD card website to have the funds automatically transfer to your regular bank account. Many people don't realize this option exists and just use the card for everything, but direct deposit is usually faster and more convenient.