EDD Money Network card randomly declining at stores but works at ATMs - anyone else?
Has anyone been dealing with their EDD Money Network card declining at store registers? I've tried using it at Target and Walmart this week and it keeps getting declined, but then I went to an ATM and was able to withdraw cash with no problem. I just certified for my benefits last Sunday and the full amount ($872) was loaded on my card according to the app. Called the Money Network number on the back of the card but got disconnected after waiting 45 minutes. Is this happening to anyone else right now? Do I need to contact EDD directly or is this a Money Network issue?
21 comments
Brian Downey
omg same here!!! thought it was just me. tried at safeway yesterday and DECLINED but atm worked fine. so annoying!!
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Myles Regis
•So frustrating! Did you try calling Money Network? I'm wondering if it's a widespread issue.
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Jacinda Yu
This happens sometimes when the card network has a temporary glitch. Try these steps: 1. Check your balance in the Money Network app to confirm funds are actually there 2. Make sure you're selecting "CREDIT" not "DEBIT" at checkout (debit requires a PIN you may not have set up) 3. Some stores have issues with govt benefit cards - try a different retailer 4. Call Money Network again during non-peak hours (early morning works best) I had this issue last year and it resolved itself in about 48 hours. It's usually a Money Network problem, not an EDD issue.
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Myles Regis
•Thanks for the tips! I was definitely trying to use it as debit with my PIN (which I set up when I first got the card). I'll try the credit option next time. Do you know if there are any fees for using it as credit vs debit?
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Jacinda Yu
•No fees either way! That's one of the benefits of the EDD card vs. some other prepaid cards. Just select credit and sign instead of entering PIN. If it still doesn't work after trying credit, then it's definitely something on Money Network's end.
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Landon Flounder
I had a similar problem but mine was because I hadn't activated the card properly. Did you call the activation number when you first got it? Sometimes the cards arrive pre-activated but sometimes they don't.
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Myles Regis
•Yeah, I activated it months ago and have been using it fine until this week. I've had my card since March and this is the first time I've had an issue with it.
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Callum Savage
EDD and Money Network seem to have these random technical issues every few months. I think there's system maintenance happening this week - I saw a notification about it when I logged into UI Online yesterday but didn't read the details. If you need to reach Money Network quickly, try calling right when they open at 8am. Or if you need to talk to EDD directly about your card issues, I'd recommend using Claimyr (claimyr.com) - they can get you through to an EDD rep in about 5-10 minutes instead of spending all day redialing. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km I used it last month when my card wasn't working and found out there was a fraud alert on my account that needed to be cleared by EDD, not Money Network.
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Ally Tailer
•Does this claimyr thing ACTUALLY work?? I tried calling EDD 43 TIMES yesterday!!! FORTY-THREE!!!! And never got through. Kept getting that stupid "we're experiencing high call volume" message. I'm about to lose my mind.
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Aliyah Debovski
My sister had the same issue and it turned out some RETAILERS have blocked the Money Network cards because they got too many chargebacks or something. Try a grocery store instead of Target or Walmart. Also sometimes gas stations will pre-authorize like $100 when you only want $30 gas and that can mess with your card too. If ATM works just keep using that until you figure it out.
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Myles Regis
•That's interesting about the retailer blocks. I actually tried it at Trader Joe's too and same problem. Maybe I'll just stick with ATM withdrawals for now since those seem to work consistently.
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Miranda Singer
This is a known issue with the Money Network system right now. I work for a non-profit that helps people navigate unemployment benefits, and we've had several clients report this exact problem over the last 48 hours. Here's what we know: 1. The issue is affecting many cardholders across California (not just EDD cards but other government benefit cards through Money Network) 2. It appears to be related to their transaction authorization system having problems with retail point-of-sale systems specifically 3. ATM transactions use a different processing system which is why those still work 4. Money Network is aware of the problem and working on a fix - they expect it to be resolved by this Friday 5. You don't need to contact EDD about this - it's entirely on Money Network's end In the meantime, yes, ATM withdrawals are your best option. There's also an option to transfer funds from your Money Network account to your personal bank account through the app if you have one set up.
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Myles Regis
•Thank you so much for this detailed information! It's a relief to know it's a known issue and I don't need to spend hours trying to contact EDD. I didn't realize I could transfer funds to my bank account - I'll definitely look into setting that up in the app. Really appreciate your help!
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Brian Downey
are we sure this isnt edd trying to stop us from spending our money?? wouldn't put it past them tbh
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Jacinda Yu
•That's not how any of this works. Once the money is on your card, it's YOUR money. EDD has no ability to control how or where you spend it. This is clearly a technical issue with Money Network's transaction processing system.
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Ally Tailer
I had a NIGHTMARE with that stupid Money Network card back in January! It would work sometimes and not others and their customer service is THE WORST!!!! I ended up switching to direct deposit into my checking account and haven't had any issues since. You can set up direct deposit in UI Online under Payment Preferences. Takes about 2 weeks to switch over but TOTALLY worth it to avoid all this Money Network drama!!!
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Myles Regis
•I didn't realize switching to direct deposit was an option! I'm definitely going to do this. Thanks for the tip - agree that their customer service is terrible based on my experience so far.
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Landon Flounder
My friend told me sometimes the card gets blocked if you try to use it too many times in one day. How many times did you try to use it before it stopped working?
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Myles Regis
•It actually didn't work the very first time I tried to use it after the new payment was deposited. I tried at 3 different stores with the same result before giving up and trying the ATM.
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Miranda Singer
UPDATE: Money Network just posted on their status page that the issue has been resolved as of this morning. Try your card again at stores now - it should be working properly. If you're still having problems, then it might be a different issue specific to your account and you should contact Money Network customer service.
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Myles Regis
•Great news! I just tried it at the grocery store and it worked perfectly. Thanks everyone for all your help and suggestions!
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