One more important tip about Money Network direct deposit: if you've previously had your tax refund direct deposited to a bank account, make sure you're using the exact same name format and account information for your EDD direct deposit. The verification system sometimes cross-checks against your IRS information, and if there are discrepancies (even minor ones like using a middle initial in one system but not the other), it can flag your account for manual review, which delays payment. This is especially important if you've changed banks recently or if your name has any possible variations (hyphenated names, suffixes, etc.).

Just wanted to add my experience as someone who recently went through this same decision process. I started with the Money Network card because I was nervous about giving my bank info to another system, but after 2 weeks I switched to direct deposit and I'm so glad I did. The card itself worked fine for purchases, but I had issues with ATM withdrawals - some machines would charge extra fees that weren't clearly disclosed, and one time an ATM glitched and I had to wait 3 days for them to credit back my money. Plus their mobile app is pretty clunky compared to my regular bank's app. With direct deposit, the money just shows up in my account like any other deposit and I can use my regular debit card, Zelle, online banking, etc. Much simpler. The only downside is you do have to wait for the first payment cycle to kick in, but after that it's smooth sailing. @Rajiv Kumar since you mentioned rent coming up soon, I'd definitely recommend direct deposit for the faster processing time that others mentioned. Good luck!

Yes, I've had multiple EDD employees hang up on me too! It's incredibly frustrating when you've been waiting for hours just to get disconnected. I've found that sometimes calling early in the morning (like right when they open at 8am) gives you a better chance of reaching someone who's less overwhelmed. Also, I always try to stay calm and polite even when I'm angry - some reps seem more willing to help when you're not yelling at them (though I totally understand the urge to!). Has anyone else noticed certain times of day work better for getting through?

Yes, this has happened to me multiple times! It's so frustrating because you spend literally hours trying to get through, and then when you finally do, they just hang up without warning. I've had reps hang up when I asked to speak to a supervisor, when I questioned why my claim was taking so long, and once even when I was just trying to verify my identity. It feels like they have zero accountability. I've started taking notes of every call - the time, the rep's name if they give it, and what happened - just in case I need to escalate this somewhere. Has anyone had success filing complaints about this behavior?

Just to give you some hope - I won my appeal after waiting about 8 weeks for the hearing. Once the decision was made in my favor, I received all my backpay for the weeks I had been certifying during the wait within 3 business days. It was a huge relief. The judge was very fair and listened carefully to my explanation. As long as you have documentation and tell the truth, you have a good chance, especially for work search related disqualifications which are often misunderstandings.

I'm currently waiting for my appeal hearing date too - filed my appeal about 6 weeks ago and got the acknowledgment letter 3 weeks ago. From what I've learned talking to others who've been through this, the wait times are all over the place right now. Some people get their hearing scheduled within a month, others wait 3+ months. It really depends on which office is handling your case and their current backlog. A few things that have helped me while waiting: I set up a dedicated folder for all EDD paperwork, I'm keeping a detailed log of everything (dates, phone calls, letters received), and I found a local legal aid clinic that offers free consultations for unemployment appeals. Even if you don't need a lawyer, they can review your case and give you tips on what evidence to focus on. The hardest part is the financial stress while waiting. I've had to get creative with side income - selling stuff I don't need, doing odd jobs for neighbors, etc. But everyone I've talked to who had legitimate cases and good documentation ended up winning their appeals. Hang in there!

I'm going through something similar right now! One thing I learned is to document EVERYTHING - dates you called, who you spoke with, reference numbers, etc. I started keeping a spreadsheet because the reps sometimes give conflicting info. Also, if they determine you do owe money, don't ignore it even if you can't pay right away. They can garnish wages and tax refunds, so it's better to work out a payment plan. The whole process is super stressful but you'll get through it! 🤗

I just went through this exact situation a few months ago! The most important thing is to stay organized and persistent. When you call SDI, have your case number, Social Security number, and the overpayment notice in front of you. If you can't get through on the phone (which is super common), try sending a written appeal or inquiry by mail - sometimes that gets better results. Also, don't be afraid to ask for a supervisor if the first person you talk to isn't helpful. The whole process is frustrating but definitely manageable if you stay on top of it. You've got this! 💪

Guys, don't forget to check if you qualify for any of the extended benefit programs. With all the COVID stuff, there might be additional help available.

Hey Emily! Just wanted to add that when you do file your new claim, make sure you don't have any gaps in your certification weeks from your old claim. If you missed any weeks, you might need to address that first before filing the new one. Also, keep in mind that there's usually a one-week waiting period for new claims, so plan accordingly. The whole process can take a few weeks to get your first payment, so don't panic if it's not immediate. Good luck with everything!