EDD Money Network card transfer to external bank accounts - what's allowed?
I received my unemployment benefits on the EDD Money Network card last week but I really need to move the funds to my credit union checking account. I tried linking it through my online banking but it's not working. Does anyone know if we're allowed to transfer money from these EDD cards to non-Bank of America accounts? And if so, how do I do it? The instructions that came with the card weren't very clear about this. I don't want to do something that might cause problems with my claim.
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Giovanni Marino
Yes, you absolutely can transfer money from your EDD Money Network card to any personal bank account, regardless of the bank. I've done it multiple times to my Chase account. There are a few ways to do it: 1. Set up direct transfer through the Money Network mobile app or website (moneynetwork.com) 2. Use the card to withdraw cash at an ATM, then deposit to your credit union 3. Write yourself a Money Network check (if they provided the checkbook) The app/website method is easiest. Just log in, add your credit union account (you'll need routing and account numbers), and initiate the transfer. Takes about 2-3 business days to complete. No fees for the transfer.
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Amara Okonkwo
•Thank you so much! I didn't realize the Money Network app was different from the Bank of America app - that's probably why I was confused. I'll download it and try setting up the transfer to my credit union today.
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Fatima Al-Sayed
u can also use zelle to send the money to yourself if ur credit union has zelle. thats what i do cause its instant
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Dylan Hughes
•Zelle has daily limits though, just be aware. I tried sending $2,000 once and it wouldn't let me do it all at once.
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NightOwl42
I tried doing this last month and had MAJOR issues. The Money Network website kept giving me error messages when linking my bank account. Customer service wasn't helpful AT ALL. I spent hours on hold just to be told to "try again later" 🙄 What finally worked was withdrawing at an ATM then depositing at my credit union. Annoying but at least I got my money. Make sure you know your PIN for the card!
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Amara Okonkwo
•That sounds frustrating! Did you have to pay ATM fees? I'm worried about getting charged multiple times since I need to transfer about $3400.
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Sofia Rodriguez
Former EDD employee here - yes, transferring to external accounts is 100% allowed and won't affect your claim in any way. The Money Network card is YOUR money once it's been deposited. One important tip: if you're having trouble with the Money Network website/app, call the number on the back of your card specifically for customer service. The regular EDD reps can't help with card-specific issues. Also, there's a transfer limit of $5,000 per day, so plan accordingly if you have a large balance.
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Amara Okonkwo
•Thanks for clarifying! I tried calling the number on the back of the card earlier but couldn't get through. Do you know if there are specific hours when it's easier to reach someone?
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Dmitry Ivanov
If your having trouble getting through to EDD or Money Network, try using Claimyr. I was in the exact same situation last month and couldnt get a human on the phone for days. Claimyr got me connected to a real person in like 10 minutes. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km The rep I talked to helped me troubleshoot the transfer issue right away. Worth it when ur desperate to move that money.
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Ava Thompson
•I've been skeptical of these third-party services, but I did use Claimyr last year when my account was frozen and they actually did get me through to EDD quickly. Saved me from days of endless redialing. Is it still working well in 2025? The EDD phone system is somehow WORSE than it was during the pandemic!
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Dylan Hughes
Why not just use the card directly? I just use my EDD card for all my purchases and bills. Less hassle than transferring.
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Amara Okonkwo
•My landlord only accepts checks or bank transfers, and most of this money needs to go toward rent. Plus I like having everything in one account for budgeting purposes.
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NightOwl42
IMPORTANT: Make sure you don't empty the card completely if you have pending certifications!! My friend left $0.00 on her card and when her next payment came through it got flagged for review because the system thought something was wrong with the card. Took her 3 weeks to sort out. Always leave at least $10 on there.
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Giovanni Marino
•This is actually a myth. I've fully emptied my card multiple times with zero issues. The Money Network and EDD payment systems are separate, and having $0 on your card doesn't affect future payments at all. EDD doesn't monitor your card balance.
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Fatima Al-Sayed
does anybody know if theres a fee to transfer?? edd takes enough of our money already lol
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Sofia Rodriguez
•There's no fee to transfer from Money Network to your bank account using the online/app method. However, ATM withdrawals might have fees depending on which ATM you use (non-AllPoint ATMs charge a fee). You get 4 free ATM withdrawals per month at AllPoint ATMs - look for the logo or check the Money Network app for locations.
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