Final answer:
A funds transfer for an EDD customer can typically be completed online without a debit card by using online banking and the account details to instruct the bank to transfer funds directly.
Step-by-step explanation:
Even if an EDD (Employment Development Department) customer does not have a card, a funds transfer can often be completed online. This is because a debit card, much like a check, is an instruction to the user's bank to transfer money directly from their bank account to another party. If online banking is available, a customer can usually make a transfer using bank account information without needing the physical debit card.