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How to set up direct deposit for CalWORKs Cash Aid and ATM withdrawal limits?

Hi everyone, I'm new to CalWORKs and just got approved last month. The EBT card is fine but I really want to get my Cash Aid deposited directly to my checking account instead of dealing with the card. Is this even possible? The worker I spoke with was super rushed and just told me "look online" when I asked about it 🙄 Also random question - when I do use the EBT card for Cash Aid, how much can I take out from an ATM at once? I need to pay my landlord next week and don't want to hit some kind of limit I don't know about. Thanks for any help!

PaulineW

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Yes, you can absolutely set up direct deposit for your CalWORKs Cash Aid! I've had mine direct deposited for over a year and it's SO much better than dealing with the EBT card. You need to fill out the "Authorization for Direct Deposit" form (CA 183). You can get it from your county office or sometimes download it from your county's CalWORKs website. You'll need to include a voided check or a direct deposit authorization form from your bank. Once processed, it takes about 1-2 payment cycles to start. As for ATM withdrawals, the daily limit is usually $1000, but some ATMs have their own lower limits (like $300 or $500). Also be careful about ATM fees - only use Bank of America ATMs to avoid fees with your EBT card.

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Thank you so much! Do you remember how long it took for them to process your direct deposit form? I'll go to the county office tomorrow to pick it up.

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i tryed direct deposit last year and it was a NIGHTMARE!!!!!! took them 3 months to process my form and then they still put money on the EBT card anyway. ended up just sticking with the card. atms let me take out $500 at once when i use the cash side of my ebt

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Chris Elmeda

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Each county office processes things differently. In my county, direct deposit was set up in just 3 weeks. You might have just had bad luck or something was wrong with your paperwork.

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Jean Claude

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Just be aware that not all banks will work with CalWORKs direct deposit. I tried with my online bank (Chime) and they couldn't process it - ended up having to open an account at a traditional bank. For the form, make sure you include all the routing and account numbers EXACTLY right or it'll get rejected. For ATM withdrawals, the system limit is $1000 daily like someone mentioned, but I'd recommend breaking up large withdrawals over a couple of days just to be safe. I once tried to take out $800 at once and the machine only gave me $400 because of the ATM's own limits - had to go to another one for the rest.

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Oh that's good to know about online banks! I have Wells Fargo so hopefully that works. Do you remember how long the direct deposit setup took once you submitted the form?

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Charity Cohan

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with Wells Fargo it should work fine, thats what i have. took about a month for mine to start after turning in the paperwork. make sure u keep a copy of everything!! my county lost my paperwork the first time smh

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Josef Tearle

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dont forget you still need to keep your EBT card even with direct deposit because thats how your CalFresh comes if you get that too. But the cash part goes to your bank

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Right! I do get CalFresh too so I'll definitely keep the card. Thanks for the reminder.

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Shelby Bauman

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Jean Claude

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Does this actually work? I've spent literally 2+ hours on hold before just to ask basic questions. How exactly does it work?

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Shelby Bauman

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Yeah it really works! They basically call for you and when they get a real person, they connect you. I was skeptical too but it saved me from having to keep calling back every day.

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Quinn Herbert

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I work at a community resource center and help clients with CalWORKs issues daily. Here's what you need to know: 1) Direct deposit is definitely available but processing times vary WIDELY by county. I've seen it take anywhere from 2 weeks to 3 months. 2) You MUST submit an original voided check or bank letter - photocopies are often rejected 3) The ATM withdrawal limit is $1000/day systemwide but individual ATMs may have lower limits. Bank of America ATMs have the highest limits normally. 4) If you're paying rent, consider using the Cash Aid to get a money order instead of cash - safer and gives you proof of payment 5) Keep a copy of EVERYTHING you submit for direct deposit and get a receipt! And yes, you'll keep your EBT card for CalFresh benefits even after direct deposit is set up for Cash Aid.

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Thank you for all this detailed info! I'll definitely get a money order for this month's rent while waiting for direct deposit to get set up. And I'll make sure to get copies of everything.

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Chris Elmeda

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One thing no one mentioned yet - in 2025 they're upgrading the whole system and direct deposit will be easier to set up through the BenefitsCal website. My worker told me this last month. But for now you still need to do the paper form.

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Thanks everyone for all the helpful advice! I went to my county office today and picked up the direct deposit form. The worker said it should take 30-45 days to process once I submit it. I'm going to keep my expectations low based on what you all said about delays. For now I'll just use the EBT card and be careful about ATM limits. Really appreciate all the tips!

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PaulineW

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Glad you got the form! Just double-check all your account numbers before submitting. Even one digit wrong can cause major delays. Good luck!

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