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EDD switched from Bank of America card to paper checks - how long until checks arrive?

So my situation is super frustrating. EDD apparently closed my Bank of America card without warning me (thanks a lot!), but they're still processing my benefits. When I checked my payment history it shows my last payment as 'outstanding' which I think means they're sending a paper check instead. Has anyone else had this happen? I'm kinda worried because rent is due next week and I NEED this money. How long do these paper checks usually take to arrive? My account is still active and I've been certifying like normal, just suddenly no card access. Anyone been through this?

This happened to me in January! EDD has been transitioning from Bank of America to Money Network for debit cards, but sometimes during that process they default to paper checks. In my experience, the checks took about 5-7 business days to arrive after showing as 'outstanding' in the system. Make sure your mailing address is correct in your UI Online account, because they'll use whatever address they have on file.

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5-7 business days? Ugh that's cutting it close for my rent. Do you know if there's any way to expedite it or check the status? My address is correct but I'm paranoid about it getting lost.

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Emma Wilson

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mine took like 2 weeks so dont get ur hopes up lol edd is always slow with everything

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2 weeks?? That's not what I wanted to hear... Did you call them at all or just wait it out?

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Malik Davis

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I work with unemployment claimants regularly, and this situation is actually pretty common right now. The transition from Bank of America to Money Network has created some gaps. When your payment shows as 'outstanding' it means the check has been issued but not cashed. You're right that they're sending a paper check. The EDD mail processing center typically takes 3-5 business days to prepare and mail the check, and then USPS delivery adds another 2-5 days depending on your location. If it's been more than 10 business days since the 'outstanding' status appeared, you should contact EDD to inquire. Important: Make sure you're set up for direct deposit or the new Money Network card for future payments to avoid this delay. You can update your payment preference in UI Online under 'Payment Methods'.

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Thanks for the detailed info! It's only been 3 days since it changed to 'outstanding' so I guess I need to be patient. I'll definitely set up direct deposit after this - had no idea they were changing from BofA to Money Network. Appreciate the help!

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THEY ARE DOING THIS TO EVERYONE!!!! My card got shut down with NO NOTICE and I had $1,890 on there that I couldn't access for WEEKS!!! EDD is THE WORST and they don't care at all about us. I had to call them 47 TIMES before I got through to a person who could help me. When you finally get your check, cash it immediately because they might try to cancel it or something, I wouldn't put it past them!!!

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Ravi Gupta

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I know this is frustrating but EDD isn't canceling checks after they're issued. The Bank of America transition to Money Network was actually announced months ago, though communication could have been better. Did you eventually get your funds or have your card reactivated?

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GalacticGuru

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Have you tried calling EDD? Sometimes they can tell you exactly when the check was mailed out and give you a tracking number. Worth a shot!

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I've tried calling like 20 times but keep getting the "we're experiencing high call volume" message and then it hangs up on me! So frustrating!

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If you need to reach an EDD rep quickly, try using Claimyr. I was in the same boat last month - couldn't get through for days but Claimyr got me connected to an EDD rep in under 25 minutes. They have a system that navigates the phone tree and waits on hold for you. It was honestly worth it to get my check info. Their site is claimyr.com and they have a demo video at https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km that shows how it works. The rep I spoke to confirmed exactly when my check was mailed which gave me peace of mind.

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Emma Wilson

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wait are they replacing all the bofa cards? i still have mine and use it every 2 weeks, should i be worried???

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Ravi Gupta

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Yes, EDD is phasing out all Bank of America cards and replacing them with Money Network cards or encouraging direct deposit. It's been happening gradually throughout 2025. You should check your UI Online account and update your payment preferences to either direct deposit or request the new Money Network card to avoid any payment delays.

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Update on my earlier comment - I remembered that my first paper check took 5 business days, but subsequent ones came faster (3-4 days). I think once you're in their paper check system, it gets more efficient. Also, I eventually switched to direct deposit and that was MUCH faster - funds available within 1-2 days of the payment showing as paid in the system. Highly recommend setting that up for future payments.

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That's good to know! I'm definitely going to set up direct deposit after this check arrives. Dealing with these delays is too stressful when you've got bills to pay.

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Omar Fawaz

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this reminds me of when i had my identity stolen last year and someone changed my address with edd! took me FOREVER to get it fixed and i missed like 3 payments. make sure ur address is right in the system!!!

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Oh no, that sounds awful! I double-checked and my address is correct, thankfully. Did you ever get those missed payments?

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Omar Fawaz

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yeah but it took like 2 months and tons of phone calls. the whole system is a mess tbh

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Ravi Gupta

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I want to clarify something important here. The 'outstanding' status specifically means a payment has been issued but not yet cashed or cleared. For paper checks, this means the check has been printed and mailed but not deposited or cashed by you yet. If your payment is showing as 'outstanding' that's actually good news because it means the payment process is already in motion. The standard timeline is: 1. Payment shows as 'paid' in UI Online 2. Check is processed and mailed (1-3 business days) 3. Status changes to 'outstanding' 4. USPS delivers check (2-5 business days) So from 'outstanding' status to check-in-hand is typically 2-5 business days depending on USPS. As others have mentioned, direct deposit is much faster for future payments.

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Thank you for explaining this so clearly! It's been showing as 'outstanding' for 3 days now, so hopefully the check will arrive in the next few days. The EDD website doesn't explain these statuses well at all.

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