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Hey Sergio! I went through this exact same situation about 6 months ago and totally understand the stress. Here's what helped me: EDD certifications always open at midnight on Sundays for the two-week period that just ended. Since you're starting work Wednesday, you'll certify that following Sunday for the week that includes Wed-Sat of work. The key thing is to report your GROSS earnings (before taxes) for those 4 days even if you haven't gotten your first paycheck yet. You can estimate based on your hourly rate x hours worked. EDD will reduce your weekly benefit by (earnings - $25), so if your weekly benefit is $400 and you earn $200 that week, you'd get $400 - ($200 - $25) = $225. Set a reminder for Sunday morning to certify right away - I always did mine around 6am to avoid any system issues. And seriously, be super accurate with your reporting. EDD's computers eventually catch everything through wage crosschecks, so honesty is the best policy. You've got this!
Thanks Jamal, this is super helpful! I really appreciate you breaking down the math - seeing the actual calculation makes it so much clearer. The $400 - ($200 - $25) = $225 example really helps me understand what to expect. I'm definitely going to set that Sunday morning reminder like you suggested. It's such a relief to hear from people who've been through this exact situation successfully. The stress was really getting to me but everyone's advice here has made me feel so much more confident about handling this transition properly!
Welcome to the community! I see you're getting great advice here already. Just to echo what others have said - definitely report those Wed-Sat earnings when you certify on Sunday, even without a paycheck yet. One tip that really helped me when I was in a similar situation: if you're unsure about your exact gross daily rate, it's better to slightly overestimate than underestimate. EDD will adjust things later when they get your actual wage reports from your employer, but underreporting can trigger penalties. Also, keep good records of your hours and pay calculations - screenshot or write down exactly what you reported each week. This saved me during a later audit when EDD questioned some of my partial week certifications. The transition period is always nerve-wracking but you'll get through it!
Pro tip for everyone: Transfer your full benefit payment to your personal bank account IMMEDIATELY when it hits your Money Network card. You can set up automatic transfers in the Money Network app. No fees for transfers, and then you avoid all these restaurant holds and ATM fees. Been doing this since they switched from BofA and haven't had a single issue since. Another workaround for restaurant purchases: if you know you're running low on funds, ask the cashier to process it as a final sale with no tip option. Many places can do this if you explain the situation. Doesn't always work, but worth trying.
This is absolutely infuriating! As someone who just started dealing with these Money Network cards after being on the old BofA system, I had no idea about these authorization holds. It's unconscionable that they're essentially holding our own money hostage when we're already struggling financially. I've been reading through everyone's suggestions and it sounds like the immediate transfer to a personal bank account is the way to go. But what about people who don't have bank accounts? Are there any other options for them, or are they just stuck dealing with these predatory practices? Also, has anyone tried disputing these holds directly with Money Network? I'm wondering if there's any way to get them to adjust their policy for unemployment benefit cards specifically, since this isn't regular spending money - it's government assistance that people depend on for basic necessities.
Great questions! For people without bank accounts, I'd recommend looking into prepaid cards from credit unions or even opening a basic checking account - many have no minimum balance requirements. Some credit unions specifically serve low-income members and offer free accounts. As for disputing with Money Network directly, I haven't had luck there. They claim it's "industry standard" but that doesn't help when you can't buy groceries. The authorization holds are technically legal, but applying them to government benefit cards feels predatory. I think the real solution has to come from EDD changing their contract requirements with Money Network, which is why contacting state reps is so important. We need to make enough noise that they realize this is hurting the people these benefits are supposed to help.
I had a similar experience last year! My eligibility interview was only about 6 minutes and I was convinced I'd blown it because I didn't get to present half of what I'd prepared. The interviewer asked maybe 3 questions total and seemed to already know the basic facts of my case. Turns out she had already reviewed all my uploaded documents beforehand and just needed to verify a couple details verbally. Got my approval letter 5 days later and received all my back pay within 2 weeks after that. The key thing is that you've been consistently certifying during this whole process - that shows you've been available and looking for work, which strengthens your case. Try not to overthink it too much. Employment date discrepancies are usually pretty cut and dry when you have the documentation to back it up.
This gives me so much hope! Thank you for sharing your experience. It's really reassuring to hear from someone who went through almost the exact same thing. I have been certifying every week even though it shows "disqualified" so hopefully that works in my favor like you mentioned. The waiting is just killing me after 7 months without any income, but your story makes me feel like there's actually light at the end of the tunnel.
I'm going through something very similar right now! My eligibility interview was scheduled for next week and I've been preparing for hours, gathering every piece of documentation I can think of. Your post actually makes me feel a bit better about what to expect - I was imagining this intense hour-long interrogation but it sounds like they might already have most of what they need from the case file. The 7 months without benefits sounds absolutely brutal though. I've only been waiting 3 months and it's already putting serious financial strain on my family. Really hoping your decision comes back positive soon! Keep us posted when you hear back - stories like yours help the rest of us know what we're dealing with in this whole process.
PSA: If anyone else is struggling with EDD issues, there's a really helpful Facebook group called 'EDD Unemployment Help'. Lots of good info and people sharing their experiences.
I had the exact same blank page issue last month! Turns out it was a browser compatibility problem. Try using a different browser - I switched from Chrome to Firefox and it worked immediately. Also, if you're still missing weeks to certify, you can request backdating once you get through to someone. Make sure to explain that the technical issues prevented you from certifying on time. The EDD can usually backdate your claim to cover those missed weeks if you have a valid reason. Don't give up - the system is definitely broken but you'll get through it eventually!
StardustSeeker
That's great news! Thanks for following up with the resolution - it really helps other people who might run into the same issue. Stories like yours are exactly why it's so important to resist the urge to immediately reapply when the system shows confusing messages. The 7-10 day processing window seems to be pretty consistent based on everyone's experiences here. Glad everything worked out for you!
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Malik Thompson
•Absolutely agree! This whole thread should be pinned or something - so many people probably go through this same panic when they see that confusing reapply message. I'm new to all this unemployment stuff and was actually getting worried about my own claim I filed last week, but reading through everyone's experiences here has been super helpful. It's reassuring to know that the 7-10 day wait is normal and that the system just has these quirky glitches during processing.
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Javier Gomez
This is such valuable information for anyone dealing with EDD! I'm bookmarking this thread for future reference. It's crazy how a simple system glitch can cause so much anxiety when you're already stressed about being unemployed. Bruno, thanks for sharing your experience and following up with the resolution - it really shows how patience pays off even when the system seems broken. For anyone else reading this, it seems like the key takeaways are: 1) Don't panic and reapply immediately, 2) Wait the full 7-10 business days, 3) Watch your mail for the Customer Account Number, and 4) Document work search activities from day one. This community is awesome for helping each other navigate these confusing processes!
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