EDD Money Network card activated but won't work at ATM - balance shows on phone but not at machine

This happened to me too! The Money Network cards have a lot of security features that sometimes cause delays after activation. Here's what worked for me: 1. Wait 24 hours after phone activation before trying ATM withdrawals 2. Make sure you created a unique PIN (not 1234 or your birth year) 3. Try a Bank of America ATM specifically - they seem to work better with these cards 4. For the app issues, delete and reinstall the Money Network app 5. For the website, try clearing your browser cookies or using incognito mode If none of that works, you'll need to call Money Network directly at the number on the back of your card. Sometimes they need to manually activate certain functions on your card.

the app NEVER works lol. dont even bother with it. just use the atm after 24hrs and itll be fine. i always use 7-11 atms cuz they dont charge extra fees for money network

I HATE these stupid Money Network cards!!!! EDD switched from Bank of America last year and everything's been a NIGHTMARE since then. My card wouldn't work for a WEEK after activation! When I called customer service they just kept transferring me around in circles. No help whatsoever!!! And then when it finally did work, there's a $1,000 daily withdrawal limit which is USELESS if you're trying to pay rent in California. The website is always "down for maintenance" whenever I need it most. My advice - transfer all your money to your regular bank account as soon as you get access. Don't leave it on that garbage card.

Have you tried calling EDD directly? Sometimes they need to verify something on their end before the funds are fully released to your card. I had a similar issue and it turned out there was a hold on my account due to a verification problem.

If you need to reach EDD quickly, I'd recommend trying Claimyr. I was in a similar situation with my Money Network card not working properly and couldn't get through to anyone at EDD. Claimyr connected me with an EDD agent within 25 minutes when I had been trying for days on my own. They have a video demo of how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km and their website is claimyr.com. The agent was able to remove a hold on my account that was preventing full access to my card. Definitely worth it when you're in a time-sensitive situation like needing to pay rent.

my cosuin had this problem it was bcuz he put the wrong zip code when he was trying to use the card. make sure ur using the zip code thats on file with edd not ur new address if u moved recently

Just checking back - were you able to resolve this? I remembered another important detail - sometimes these cards get sent with a temporary freeze for security reasons. If you call the Money Network number and specifically ask if there's a security freeze, they might be able to remove it immediately.

I'm so glad you got it sorted out! The ZIP code mismatch issue is actually pretty common when people update their address with EDD but forget that Money Network maintains a separate record. For anyone else reading this thread who might have similar issues, here are the key takeaways: 1. Always wait 24 hours after phone activation before attempting ATM use 2. Double-check that your ZIP code matches what's on file with Money Network (not necessarily what's updated with EDD) 3. 7-11 ATMs are fee-free for Money Network cards 4. If you're still having issues, call the number on the back of the card and specifically ask about security holds 5. Daily ATM limit is $1,000 but you can do teller withdrawals up to $4,000 with ID and PIN Thanks for updating us with the resolution - this will definitely help other people who run into the same problem!

Welcome to the community! I'm glad this thread was helpful for you. The Money Network card system can definitely be confusing at first, especially coming from the old Bank of America EDD cards. A few additional tips that might help you and other newcomers: - Keep the customer service number (on the back of your card) saved in your phone - you'll probably need it at some point - If you plan to transfer money to your regular bank account, you can do it through the Money Network website once you get logged in (usually takes 1-2 business days) - Some grocery stores like Walmart and Target also have fee-free ATMs for Money Network cards if 7-11 isn't convenient - The mobile app really is pretty unreliable, so don't stress too much if it doesn't work - the website and phone customer service are your best bets Hope your first experience with the card goes smoothly! Feel free to ask if you run into any issues.

Just want to add one more tip that saved me a lot of headaches - if you're planning to use your Money Network card for online purchases or bill payments, make sure to register it for online transactions first. I tried to pay my utility bill online right after activation and it got declined even though I had funds available. Turns out there's a separate activation step for online/phone purchases that you have to do either through the website or by calling customer service. They'll ask you to verify some personal info and then online transactions will work within a few hours. Learned this the hard way when my internet almost got shut off!

This is such a comprehensive thread! As someone who just joined this community after struggling with my own EDD card issues, I really appreciate how everyone shares practical solutions here. I wanted to add one more thing that might help others - if you're having trouble reaching Money Network customer service during business hours (they can get pretty backed up), I've found that calling early in the morning (around 7-8 AM PST) or later in the evening (after 6 PM) tends to have shorter wait times. Also, if you're switching from direct deposit to the debit card or vice versa, make sure to allow extra processing time - my first payment after switching took about 5 business days longer than usual to show up. The EDD website doesn't always make this clear, so I thought it was worth mentioning!

This thread has been incredibly helpful! I'm dealing with a similar situation right now - got my Money Network card 3 days ago, activated it, but I'm getting "insufficient funds" errors at ATMs even though I can hear the automated balance when I call. Based on everything shared here, it sounds like I should try using my old ZIP code (I moved 2 months ago and updated my address with EDD but probably not with Money Network) and maybe wait another day since it's only been 72 hours. One question for the group - has anyone had success getting Money Network to update your address over the phone, or do you have to do it through the website? The website login is giving me issues similar to what the original poster experienced. I'd rather get the ZIP code sorted out properly than keep using my old one long-term. Thanks everyone for sharing such detailed experiences - this is exactly the kind of real-world advice you can't find in the official documentation!

I just want to say how amazing this community is! I'm new here and was dealing with my own Money Network card issues when I found this thread. Reading through everyone's experiences and solutions has been incredibly reassuring - it's clear that most of these card problems are temporary and solvable, even though they're super stressful when you're dealing with them. For anyone else who might be new to the EDD Money Network system like I am, here's a quick checklist based on what I've learned from this thread: 1. Wait 24+ hours after phone activation before trying ATM withdrawals 2. Use the ZIP code that's on file with Money Network (might be different from your EDD address) 3. Try fee-free ATMs at 7-11, Walmart, or Target 4. Call Money Network customer service early morning or evening for shorter wait times 5. Ask specifically about security holds if your card isn't working 6. Activate online transactions separately if you plan to pay bills online 7. Consider transferring funds to your regular bank account for easier access Thanks to everyone who shared their experiences - you've saved so many people time and stress! This is exactly the kind of peer support that makes navigating these systems so much easier.