diff --git a/Marlin/src/HAL/HAL_ESP32/persistent_store_spiffs.cpp b/Marlin/src/HAL/HAL_ESP32/persistent_store_spiffs.cpp
index 5227da3568..0ba5fff650 100644
--- a/Marlin/src/HAL/HAL_ESP32/persistent_store_spiffs.cpp
+++ b/Marlin/src/HAL/HAL_ESP32/persistent_store_spiffs.cpp
@@ -24,7 +24,7 @@
 
 #include "../../inc/MarlinConfig.h"
 
-#if ENABLED(EEPROM_SETTINGS) && DISABLED(FLASH_EEPROM_EMULATION)
+#if ENABLED(SD_EEPROM_EMULATION)
 
 #include "../shared/persistent_store_api.h"
 
@@ -102,5 +102,5 @@ bool PersistentStore::read_data(int &pos, uint8_t* value, size_t size, uint16_t
 
 size_t PersistentStore::capacity() { return HAL_ESP32_EEPROM_SIZE; }
 
-#endif // EEPROM_SETTINGS
+#endif // SD_EEPROM_EMULATION
 #endif // ARDUINO_ARCH_ESP32
diff --git a/Marlin/src/HAL/HAL_STM32F1/persistent_store_sdcard.cpp b/Marlin/src/HAL/HAL_STM32F1/persistent_store_sdcard.cpp
index 3244093577..08bc201502 100644
--- a/Marlin/src/HAL/HAL_STM32F1/persistent_store_sdcard.cpp
+++ b/Marlin/src/HAL/HAL_STM32F1/persistent_store_sdcard.cpp
@@ -28,7 +28,7 @@
 
 #include "../../inc/MarlinConfig.h"
 
-#if ENABLED(EEPROM_SETTINGS) && NONE(FLASH_EEPROM_EMULATION, SPI_EEPROM, I2C_EEPROM)
+#if ENABLED(SD_EEPROM_EMULATION)
 
 #include "../shared/persistent_store_api.h"
 
diff --git a/Marlin/src/Marlin.cpp b/Marlin/src/Marlin.cpp
index e73066fabf..bbc0499425 100644
--- a/Marlin/src/Marlin.cpp
+++ b/Marlin/src/Marlin.cpp
@@ -941,7 +941,9 @@ void setup() {
 
   // Load data from EEPROM if available (or use defaults)
   // This also updates variables in the planner, elsewhere
-  (void)settings.load();
+  #if DISABLED(SD_EEPROM_EMULATION)
+    (void)settings.load();
+  #endif
 
   #if HAS_M206_COMMAND
     // Initialize current position based on home_offset
@@ -1094,8 +1096,17 @@ void setup() {
     init_closedloop();
   #endif
 
-  #if ENABLED(INIT_SDCARD_ON_BOOT) && !HAS_SPI_LCD
-    card.beginautostart();
+  #if !HAS_SPI_LCD
+
+    #if ENABLED(SD_EEPROM_EMULATION)
+      SERIAL_ECHOLNPGM("Loading settings from SD");
+      (void)settings.load();
+    #endif
+
+    #if ENABLED(INIT_SDCARD_ON_BOOT)
+      card.beginautostart();
+    #endif
+
   #endif
 
   #if HAS_TRINAMIC && DISABLED(PS_DEFAULT_OFF)
diff --git a/Marlin/src/inc/Conditionals_post.h b/Marlin/src/inc/Conditionals_post.h
index 1a17addbd2..f6dac7ce49 100644
--- a/Marlin/src/inc/Conditionals_post.h
+++ b/Marlin/src/inc/Conditionals_post.h
@@ -1734,3 +1734,7 @@
     #define INIT_SDCARD_ON_BOOT
   #endif
 #endif
+
+#if ENABLED(EEPROM_SETTINGS) && NONE(FLASH_EEPROM_EMULATION, SPI_EEPROM, I2C_EEPROM)
+  #define SD_EEPROM_EMULATION
+#endif
diff --git a/Marlin/src/lcd/ultralcd.cpp b/Marlin/src/lcd/ultralcd.cpp
index 77a56f8482..37e63cdae8 100644
--- a/Marlin/src/lcd/ultralcd.cpp
+++ b/Marlin/src/lcd/ultralcd.cpp
@@ -81,6 +81,10 @@
 
 #include "../Marlin.h"
 
+#if ENABLED(SD_EEPROM_EMULATION)
+  #include "../module/configuration_store.h"
+#endif
+
 #if ENABLED(POWER_LOSS_RECOVERY)
   #include "../feature/power_loss_recovery.h"
 #endif
@@ -783,8 +787,13 @@ void MarlinUI::update() {
       if (sd_status) {
         safe_delay(500); // Some boards need a delay to get settled
         card.initsd();
-        if (old_sd_status == 2)
+        if (old_sd_status == 2) {
+          #if ENABLED(SD_EEPROM_EMULATION)
+            SERIAL_ECHOLNPGM("Loading settings from SD");
+            (void)settings.load();
+          #endif
           card.beginautostart();  // Initial boot
+        }
         else
           set_status_P(PSTR(MSG_SD_INSERTED));
       }
diff --git a/Marlin/src/sd/cardreader.cpp b/Marlin/src/sd/cardreader.cpp
index efd955259d..a8574569d2 100644
--- a/Marlin/src/sd/cardreader.cpp
+++ b/Marlin/src/sd/cardreader.cpp
@@ -353,9 +353,6 @@ void CardReader::initsd() {
   else {
     flag.detected = true;
     SERIAL_ECHO_MSG(MSG_SD_CARD_OK);
-    #if ENABLED(EEPROM_SETTINGS) && DISABLED(FLASH_EEPROM_EMULATION)
-      (void)settings.load();
-    #endif
   }
   setroot();
 
@@ -561,11 +558,6 @@ void CardReader::checkautostart() {
 
   if (!isDetected()) initsd();
 
-  #if ENABLED(EEPROM_SETTINGS) && DISABLED(FLASH_EEPROM_EMULATION)
-    SERIAL_ECHOLNPGM("Loading settings from SD");
-    (void)settings.load();
-  #endif
-
   if (isDetected()
     #if ENABLED(POWER_LOSS_RECOVERY)
       && !recovery.valid() // Don't run auto#.g when a resume file exists