EDD Money Network card withdrawal locations - ATM fees & limits?
Just got my new EDD Money Network debit card in the mail yesterday and I'm trying to figure out where I can withdraw cash without getting hit with crazy fees. The pamphlet they sent is confusing as hell. Can I use any ATM or only specific ones? I need to get at least $500 out to pay my landlord who only takes cash (ugh). Also, is there a daily withdrawal limit I should know about? Don't want to drive all the way to an ATM just to find out I can only take out $200 or something. Anyone have experience with this new card system?
30 comments


Ethan Campbell
You can withdraw money from your Money Network card at several places without fees:\n\n1. Bank of America ATMs (completely fee-free)\n2. Any ATM with the Allpoint or MoneyPass logo (also fee-free)\n3. Cash back at most grocery stores or pharmacies when making a purchase\n4. Inside any bank that displays the Visa logo (this is called a \
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Aisha Mohammed
Thank you so much! This is super helpful. I didn't realize I could get cash back at stores - that'll be way more convenient than finding an ATM. And good to know about the $1000 limit. Do you know if there's a fee for checking my balance at ATMs? The paperwork is so confusing.
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Yuki Watanabe
DONT USE WELLS FARGO ATMS!!!! They charged me $3.50 fee even though the EDD website said all atms work!! Total BS. And some gas station ATMs charged me $4.95!!! Make sure u only use bank of america or the other ones that person mentioned above. And yeah the cash back at walmart or grocery stores works great no fees
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Carmen Sanchez
yup happen to me to at 7-11 atm. $6 fee! ridiculous. i just do cash back at target now when i buy stuff
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Andre Dupont
I've been using my Money Network card for about 3 months now. Here's my experience:\n\n- The easiest option is using the Bank of America ATMs. I've never been charged a fee.\n- You can check your balance for FREE using the Money Network mobile app or website - NEVER check it at ATMs as they usually charge $0.50-$1.00 per balance inquiry.\n- The daily ATM limit is $1,000 but there's also a transaction limit of $500 per withdrawal at most ATMs. So you might need to do two transactions to get your full $500.\n- For your landlord situation, you can also use the Money Network check feature if you set it up. They give you blank checks you can fill out yourself.\n\nOne last tip: keep your receipts! I had a failed transaction once where the ATM didn't give me cash but debited my account. Took 10 business days to get the money back.
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Aisha Mohammed
Good call on the receipts - I wouldn't have thought of that. I didn't know about the Money Network checks either, might look into that as a backup option. Do you know if there are fees for direct deposits from the card to my regular bank account? Might be easier to just transfer money directly.
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Zoe Papadakis
U kno u can also just buy a money order at the post office with that card? Thats what i always do for my rent. costs like $1.25 for a money order up to $500 and my landlord prefers that anyway
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Andre Dupont
That's a good alternative, but just to clarify - the Money Network card does have a purchase fee for money orders at some locations. Post Office is usually fine, but places like Western Union might charge extra fees when using the unemployment debit card specifically. Always good to ask before processing the transaction.
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ThunderBolt7
When I first got my EDD card, I struggled for days trying to contact someone at EDD about withdrawal questions. Kept getting disconnected or the \
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Jamal Edwards
does this actually work? ive been trying to call EDD about my card for 2 weeks now... never heard of this service before
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ThunderBolt7
Yes, it definitely worked for me! I was super skeptical too but was desperate after trying for days. They don't answer the questions themselves - they just get you connected to an actual EDD rep who can help with your specific card issues.
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Aisha Mohammed
Update: I was able to withdraw $500 from a Bank of America ATM today with no problems! Had to do it as two separate $250 transactions because of the ATM's limit (not the card's limit). Also downloaded the Money Network app which is actually pretty useful - shows my balance and all nearby free ATMs. Thanks everyone for your help!
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Ethan Campbell
Great to hear! Just FYI - you can also set up direct deposit to transfer funds from your Money Network card to your personal bank account. In the app, go to Account > Direct Deposit and follow the steps. Takes 2-3 business days for transfers to complete.
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Aisha Mohammed
Just set it up! This will be so much easier than dealing with cash. Appreciate all your help!
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Jamal Edwards
tbh i hate these stupid cards... why cant EDD just direct deposit to our normal bank accounts like a normal employer would????? i lost my card last month and waiting for a replacement was a NIGHTMARE
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Andre Dupont
You actually CAN set up direct deposit to your regular bank account. Go to the UI Online portal, select
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Paolo Romano
I've been using the EDD Money Network card for about 6 months now and here's what I've learned about fees and limits that might help:\n\n**Free ATM Options:**\n- Bank of America ATMs (zero fees)\n- Allpoint network ATMs (look for the logo - usually at CVS, Walgreens, Target)\n- MoneyPass ATMs (common at 7-Eleven, but verify the logo first)\n\n**Daily Limits:**\n- $1,000 daily withdrawal limit from ATMs\n- Individual ATM transaction limits vary (usually $200-$500 per transaction)\n- No limit on purchases or cash back at stores\n\n**Money-Saving Tips:**\n- Cash back at grocery stores/pharmacies = $0 fees and often more convenient\n- Balance checks via the Money Network app are free (ATM balance inquiries cost $0.50-$1)\n- Money orders at USPS work great for rent payments (~$1.25 fee)\n\n**Avoid These:**\n- Wells Fargo ATMs (charge fees despite being a major bank)\n- Gas station ATMs (can charge $3-$6 in fees)\n- Any ATM that doesn't display the Allpoint/MoneyPass logos\n\nFor your $500 landlord payment, I'd recommend either two ATM transactions at Bank of America or getting a money order at the post office. Both are reliable options!
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Aidan Hudson
•This is an incredibly comprehensive breakdown! Thank you for taking the time to organize all this information so clearly. The distinction between the different ATM networks is really helpful - I had no idea about Allpoint vs MoneyPass. Quick question: do you know if there's a fee for using the Money Network card at Costco? I have a membership there and would love to get cash back when I'm shopping if it's fee-free.
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Dylan Baskin
•@Paolo Romano Great question about Costco! Yes, you can definitely use the Money Network card there for cash back with no fees. Costco s'cash back limit is usually $60 per transaction, but since there s'no fee it s'a great option if you re'already shopping there. Just make sure to use it as a debit card not (credit and) you ll'need your PIN. The card works at pretty much any major retailer for cash back - Walmart, Target, Safeway, etc. It s'honestly one of the most convenient ways to get cash without dealing with ATM hunting!
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Diego Ramirez
•@Paolo Romano This is exactly the kind of detailed info I was looking for when I first got my card! One thing I d'add - if anyone is having trouble finding Allpoint ATMs, there s'actually a locator on the Money Network website that shows you all the fee-free options near you. Saved me from making the mistake of using random ATMs and getting charged. Also, for people worried about daily limits, you can spread withdrawals across multiple days if you need more than $1000 for something like rent + utilities.
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Fatima Al-Mansour
•@Paolo Romano This is super helpful! I just got my EDD card last week and was completely lost on where to use it without getting hit with fees. Quick follow-up question - do you know if there are any fees for online purchases? I usually buy groceries online for pickup and wasn t'sure if the Money Network card would work the same way as a regular debit card for those transactions. Also, is there a way to set up account alerts so I know when my balance is getting low? Thanks for sharing all this detailed info!
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Keisha Jackson
•@Paolo Romano Thanks for this detailed breakdown! I m'new to the EDD system and just activated my Money Network card yesterday. One thing I m'curious about - you mentioned that purchases have no limit, but is there a daily spending limit for debit transactions? I m'planning to use it for larger purchases like groceries and utilities, but want to make sure I won t'get declined at checkout. Also, do you know if the card works for online bill payments through my utility company s'website? Some prepaid cards don t'work for recurring payments and I d'rather know ahead of time. Really appreciate you sharing all this practical info!
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Gabriel Ruiz
•@Paolo Romano This breakdown is amazing - wish I had this when I first got my card! Just wanted to add that I ve'had good luck using the Money Network card at Walmart for cash back too. You can get up to $100 cash back per transaction with no fees, and since Walmart is everywhere it s'super convenient. Also, for anyone dealing with landlords who only take cash like the original poster, another option is to use the card to buy a cashier s'check at your local bank branch. Usually costs around $5-8 but gives you a more official payment method that some landlords prefer over money orders. The Money Network mobile app also lets you lock/unlock your card instantly if you ever lose it, which has saved me a lot of headaches!
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Zoe Papadopoulos
Just wanted to share my experience since I've been dealing with the Money Network card for almost a year now. The most important thing I learned is to ALWAYS check the ATM network logos before using any machine - saved me tons in fees! A few additional tips that haven't been mentioned: - You can use the card at credit unions that participate in the CO-OP network (usually free) - Some smaller banks will do "cash advances" over the counter with just your ID and PIN - usually no fee but call ahead to confirm - If you're ever traveling, the Money Network website has a really good ATM locator that shows fees upfront so you can plan ahead For your $500 rent situation, I'd honestly recommend doing cash back at grocery stores in smaller amounts over a few days if the ATM limits are being annoying. Most places let you do $40-100 cash back per transaction, and if you're buying groceries anyway it's completely free. Plus no risk of ATM malfunctions eating your money like some people mentioned above. The Money Network app is actually pretty decent once you get used to it - way better than trying to call their customer service line which is basically impossible to get through to!
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Giovanni Colombo
•@Zoe Papadopoulos This is really helpful advice, especially about the CO-OP network and cash advances at smaller banks - I had no idea those were options! I m'pretty new to all this unemployment stuff and honestly feeling overwhelmed by all the different card rules and fees. Your point about spreading out cash back over multiple grocery trips is smart too. I was stressing about getting $500 all at once, but breaking it down into smaller amounts over a few days would definitely be less hassle than hunting for the right ATM. Quick question - do you know if there s'a limit on how many cash back transactions you can do per day? I don t'want to look suspicious doing multiple transactions at different stores. Also, has anyone had issues with stores refusing cash back on the EDD card? I ve'heard some places can be weird about unemployment cards.
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Dmitry Volkov
•@Zoe Papadopoulos Great advice on the CO-OP network! I didn t'know about that option either. For your question about daily cash back limits - I haven t'run into any issues doing multiple transactions per day at different stores. The key is to actually buy something each time, even if it s'just a pack of gum or a drink. Most stores won t'bat an eye at cash back if you re'a legitimate customer making a purchase. I ve'done 3-4 cash back transactions in one day spread across different stores Target, (Safeway, CVS without) any problems. Just avoid doing multiple transactions at the same store on the same day - that might look suspicious. As for stores refusing the EDD card, I ve'never had that issue personally. The Money Network card is a regular Visa debit card, so most cashiers can t'even tell it s'an unemployment card unless they really look closely at the design. Just make sure to run it as debit not (credit for) cash back and you should be fine!
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Malik Jenkins
I've been using my EDD Money Network card for about 8 months now and wanted to share some practical tips I've learned through trial and error: **Best Free Cash Options:** - Bank of America ATMs are your best friend - never had a fee there - Grocery store cash back is honestly the easiest route (Kroger, Safeway, etc. usually allow $100-200 cash back) - CVS and Walgreens have Allpoint ATMs inside most locations **What to Avoid:** - ANY ATM at gas stations or convenience stores (learned this the hard way with a $5.95 fee) - Checking balance at ATMs - use the app instead to avoid the $0.75 charge **Pro Tips:** - The Money Network app has a "Find ATMs" feature that shows you exactly which nearby machines are fee-free - You can do multiple smaller cash back transactions throughout the week if you need a large amount like $500 - Keep screenshots of your balance before big withdrawals - I had one ATM eat $200 and it took weeks to resolve For your landlord situation, I'd recommend either hitting up a Bank of America ATM for two $250 withdrawals, or doing cash back over 2-3 grocery trips. Both are completely free and way less stressful than hunting for the right ATM! The card system isn't perfect, but once you know the tricks it's actually pretty manageable.
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Jace Caspullo
•@Malik Jenkins This is super practical advice! I just got my EDD card this week and was honestly pretty anxious about using it after reading horror stories online about fees and complications. Your point about keeping screenshots before withdrawals is really smart - I wouldn t'have thought of that but it makes total sense as protection against ATM malfunctions. Quick question: when you do cash back at grocery stores, do you need to meet a minimum purchase amount? Like if I just buy a $2 item, will they still let me get $100 cash back? I m'trying to figure out the most cost-effective way to get larger amounts of cash without unnecessary purchases. Also, have you ever had any issues with the Money Network app glitching or showing incorrect balances? Want to make sure I can rely on it for checking my balance instead of using ATMs.
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Molly Hansen
•@Malik Jenkins Great tips! I ve'been hesitant to use my EDD card because of all the fee horror stories, but your practical approach makes it seem much more manageable. I m'curious about the grocery store cash back - do different chains have different limits? I mainly shop at Target and Walmart, but if other stores allow higher cash back amounts it might be worth switching up my routine. Also, when you mentioned the ATM that ate "your" $200, was that at a Bank of America location or one of the other fee-free networks? Trying to figure out which ATMs are not just fee-free but also most reliable. The screenshot tip is brilliant - definitely going to start doing that. Thanks for sharing your real-world experience!
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Emma Olsen
Been using my EDD Money Network card for about 4 months now and wanted to add a few things that have saved me money and hassle: **Free Balance Checks:** - Text "BAL" to 96411 for free balance updates (way faster than the app sometimes) - Customer service line 1-866-692-9374 also gives free automated balance info **Cash Back Limits I've Found:** - Walmart: up to $100 per transaction - Target: usually $40 max - Most grocery stores: $50-200 depending on the chain - Dollar General: $40 (surprisingly convenient option) **Additional Free ATM Networks:** - Many credit union ATMs are fee-free even if you're not a member - Some 7-Eleven locations have MoneyPass ATMs (but verify the logo first!) **For Large Amounts Like Your $500:** I've found the easiest approach is combining methods - maybe $300 from a Bank of America ATM in two transactions, then $200 cash back spread across a couple grocery trips. Gives you backup options if one method hits a snag. One last tip: if you're ever stuck somewhere with only fee-charging ATMs, sometimes the fee gets refunded automatically within 24-48 hours (happened to me twice). Not guaranteed but worth checking your transaction history! Hope this helps - the card definitely has a learning curve but becomes pretty convenient once you know all the free options.
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