EDD direct deposit setup failing with verification error after Money Network fraud - can't switch payment methods

I had almost the exact same situation last year. In my case, the problem was that EDD had placed a temporary block on changing payment methods after the fraud report. You need to specifically request they lift the "payment method change restriction" on your account. When I called, the first rep had no idea what I was talking about, but when I called back and got someone in the claims department, they knew exactly what to do. The restriction is actually meant to protect you but they don't explain it well.

early warning is THE WORST!!!! i had same problem trying to swithc pay method and it took like 6 weeks to fix. EDD kept saying contact early warning, early warning kept saying contact EDD. nobody actually helps!!!!

I work at a bank and deal with this more often than you'd think. Here's what's happening: After fraud is reported on a government benefits card, many systems automatically flag your account in ChexSystems and Early Warning Services (which is what EDD uses for verification). This creates a temporary situation where new account linking requests are rejected as a security measure. You need to take two specific steps: 1. Call EDD and specifically request a "manual verification override" for your direct deposit setup. They need to notate your account that you've been verified. 2. Contact Early Warning Services directly at 800-325-7775 and request a "verification status reset" for your ChexSystems profile. Mention the resolved Money Network fraud case and provide the case number. This two-step process typically resolves the issue within 2-3 business days. The system just needs confirmation from both sides that you're legitimate.

my cousin had fraud on her edd card too but she just gave up and kept getting paper checks lol

I literally JUST went through this exact problem last month! After trying everything and getting nowhere with EDD's regular number, I used a service called Claimyr (claimyr.com) to actually get through to a real EDD specialist. They have this system that connects you directly to an EDD rep instead of dealing with the busy signals and disconnects. The rep was able to see that my account had a "fraud investigation payment method lock" that needed to be manually removed before any banking changes could go through. After that it worked immediately. Check out their demo video if you're curious how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Seriously saved me hours of frustration trying to get through EDD's regular line.

I had a similar issue but mine wuz cuz I entered my routing # wrong one time and then EDD's system flagged my account for 30 days for "suspicious banking activity" even tho it was just a typo!!! Make sure ur entering everything 100% right cuz one mistake can trigger their system. Also, I noticed u can only try to add a bank account 3 times in a 24hr period before it locks u out temporarily.

You mentioned you're getting paper checks now - that means they've already changed your payment method from Money Network to checks. According to EDD guidelines, you can only change your payment method once every 30 days. So if they just switched you from Money Network to paper checks less than 30 days ago (which sounds like the case based on your timeline), the system won't let you make another change to direct deposit until that 30-day period is over. This isn't clearly explained anywhere on their website, but it's in their internal policies. You might just need to wait until the 30 days from your first payment method change has passed, then try setting up direct deposit again.

Quick update to my earlier advice: I just remembered that if you've had actual fraud (not just a payment error) on your Money Network card, there's an additional step. You need to request that EDD remove the "FCP" (Fraud Claims Protection) flag from your account. This flag automatically blocks any payment method changes for 45 days after fraud is confirmed. However, they can override it with proper verification of your identity. When you call, specifically ask if you have an FCP flag on your account and request it be manually reviewed.

have you tried logging in from a different device? sometimes the EDD website glitches on certain browsers. i couldn't do ANYTHING on chrome but safari worked fine for me

Just wanted to follow up - were you able to get this resolved? I'm curious if it was actually the 30-day payment method change restriction or the fraud protection flag that was causing your issue. This would be really helpful info for others facing similar problems.

Wow, reading through all these responses is so eye-opening! I had no idea there were so many hidden policies and flags that EDD doesn't clearly explain. The combination of the 30-day payment method change restriction AND the fraud protection flag makes total sense now. It's really frustrating that their regular customer service reps don't seem to know about these specific policies - you basically have to get lucky and reach someone in the right department who actually understands the system. Thanks everyone for sharing your experiences and solutions. This thread should honestly be pinned somewhere because this fraud-to-direct-deposit issue seems way more common than EDD lets on!

This entire thread is a perfect example of why EDD needs to completely overhaul their customer service training and documentation. It's absolutely ridiculous that people have to become detective experts just to understand basic account restrictions after fraud. The fact that there are specific terms like "FCP flag," "manual verification override," and "30-day payment method restriction" that 99% of their phone reps don't even know about is insane. How are regular people supposed to navigate this system when even the employees don't understand it? I'm dealing with a similar situation right now (Money Network fraud last month) and this thread has been more helpful than 8 phone calls to EDD. The system is broken when community members have to teach each other what should be clearly explained official policies.

Just wanted to add another potential solution that worked for me in a similar situation. If you're still having issues after trying the suggestions here, you might want to check if your bank account has any holds or restrictions on ACH transactions. After my Money Network fraud case, I discovered that my bank had automatically placed a temporary hold on new ACH authorizations as a security measure when they saw the fraud report in my credit monitoring. I had to call my bank's customer service and specifically request they remove the ACH hold. Once they did that, the EDD direct deposit setup worked immediately. It's worth checking with your bank too - sometimes the issue isn't just on EDD's side but also your bank being extra cautious after seeing fraud activity on your file.

I'm dealing with a very similar situation right now - had fraud on my Money Network card about 2 weeks ago and have been stuck in this same verification loop when trying to switch to direct deposit. Reading through all these responses has been incredibly enlightening! I had no idea about the FCP flags, 30-day restrictions, or that banks can also put holds on ACH transactions after fraud reports. It's honestly shocking that EDD doesn't proactively explain any of these policies when you report fraud. I'm going to try calling both EDD and my bank tomorrow using the specific terminology mentioned here (@Lucas Schmidt and @Sofia Rodriguez - thank you for the detailed explanations!). It's ridiculous that we have to become experts in EDD's internal systems just to receive our benefits safely. This thread should definitely be bookmarked by anyone dealing with Money Network fraud issues!

This thread has been incredibly helpful! I'm a new member here and unfortunately just joined the "Money Network fraud club" last week. Someone used my card for $450 in transactions I never made. I've been dreading the payment method switch process after reading horror stories online, but this thread gives me hope that there's actually a path forward. @Lucas Schmidt - your explanation about the "manual verification override" and "verification status reset" is exactly the kind of specific guidance that EDD should be providing upfront but clearly doesn't. I'm writing down all these terms before I call. @Sofia Rodriguez - I never would have thought to check with my bank about ACH holds! That's such an important piece that could easily be overlooked. It's honestly disturbing that we need a community forum to decode EDD's own policies, but I'm grateful this information is being shared. For anyone else in this situation - save this thread! The collective knowledge here is worth more than hours of calling EDD's general line. Quick question for those who've been through this - should I wait to call EDD until after Money Network officially closes my fraud case, or can I start the process while it's still "under investigation"?

I'm going through the exact same nightmare right now! Had $580 stolen from my Money Network card two weeks ago through fraudulent online purchases. Just got the fraud case resolved yesterday and now I'm trying to switch to direct deposit but getting that same "cannot verify bank information" error. Reading through everyone's experiences here has been SO helpful - I had no idea about all these hidden restrictions and flags that EDD puts on accounts after fraud cases. The fact that they have specific terms like "FCP flag" and "manual verification override" that their own customer service reps don't even know about is absolutely insane. I've called EDD three times already and none of the reps mentioned any of these policies. They just kept telling me to "try again later" or "contact Early Warning Services" with no real explanation. @Lucas Schmidt - thank you for breaking down the exact steps and terminology! I'm calling tomorrow morning with your specific language about the "manual verification override" and "verification status reset." @Sofia Rodriguez - I never would have thought to check with my bank about ACH restrictions on their end. That's such a crucial point that could easily be missed. This whole system is broken when community members have to teach each other what should be standard information provided by EDD. But I'm so grateful for threads like this - you've all probably saved me weeks of frustration!

I'm new to this community but unfortunately dealing with a similar situation right now. Had fraudulent charges on my Money Network card about 10 days ago and just started trying to set up direct deposit, only to hit the same "cannot verify bank information" error that everyone here is describing. Reading through all these responses has been incredibly eye-opening - I had no idea there were so many hidden policies and restrictions that EDD doesn't explain! The fact that there are specific terms like "FCP flag," "manual verification override," and "30-day payment method restrictions" that even EDD's own customer service reps don't seem to know about is absolutely mind-blowing. @Lucas Schmidt - your detailed breakdown of the exact steps and terminology is invaluable. I'm definitely calling tomorrow with those specific phrases about the "manual verification override" and "verification status reset." @Sofia Rodriguez - the point about checking with your bank for ACH holds is brilliant! I never would have thought about restrictions on the bank's side after fraud reports. It's really disappointing that we have to become experts in EDD's internal systems just to access our benefits safely, but I'm so grateful for threads like this where people share real solutions. This community knowledge is worth more than hours of calling EDD's general line and getting nowhere! For anyone else going through this - definitely save this thread. The collective experience here is going to save so many people weeks of frustration trying to navigate this broken system.

I'm brand new to this community but unfortunately joining because I'm dealing with this exact same issue! Had $420 stolen from my Money Network card through fraudulent ATM withdrawals about 2 weeks ago. Just got the fraud case resolved and now I'm stuck in the same verification loop trying to switch to direct deposit. Reading through this entire thread has been more educational than any interaction I've had with EDD so far! The fact that there are specific internal policies like "FCP flags" and "30-day payment method restrictions" that their own customer service doesn't explain is absolutely ridiculous. I've called EDD four times already and gotten four completely different answers - none of which mentioned any of the actual restrictions you all have identified here. @Lucas Schmidt - your breakdown of the exact terminology to use is incredibly helpful! I'm writing down "manual verification override" and "verification status reset" before I call tomorrow. @Sofia Rodriguez - I never would have thought to check with my bank about ACH holds on their end. That's such an important piece that could easily be the missing link. It's honestly disturbing that we need a community forum to decode what should be clearly explained government policies, but I'm so grateful this information is being shared. This thread should be required reading for anyone dealing with Money Network fraud! Has anyone had success getting EDD to expedite the process if you can prove financial hardship while waiting for these restrictions to lift? The paper checks are so slow and I'm worried about them getting stolen from my mailbox.

I just created my account specifically to respond to this thread because I'm going through the EXACT same situation right now! Had $650 stolen from my Money Network card through fraudulent transactions about 3 weeks ago, finally got it resolved last week, and now I'm hitting the same "cannot verify bank information" wall when trying to set up direct deposit. This thread has been more helpful than literally every interaction I've had with EDD combined! The fact that there are specific internal codes like "FCP flags" and hidden 30-day restrictions that their own customer service reps don't even know about is absolutely infuriating. I've called EDD six times and gotten six different explanations - none of which mentioned any of the actual policies everyone has identified here. @Lucas Schmidt - thank you so much for breaking down the exact terminology! I'm calling tomorrow morning with "manual verification override" and "verification status reset" written down. @Sofia Rodriguez - the bank ACH hold angle is something I never would have considered. Calling my credit union right after EDD. It's really disheartening that we have to crowdsource solutions for basic government services, but this community knowledge is invaluable. This thread should honestly be pinned as a resource - it's going to save so many people weeks of unnecessary frustration trying to navigate EDD's broken system! For anyone else dealing with this nightmare - screenshot this entire conversation. The collective wisdom here is gold.

I'm new to this community but unfortunately joining because of a nearly identical situation! Had my Money Network card compromised last week with $380 in fraudulent charges, and I'm already dreading what's coming next based on everything I'm reading here. This thread is absolutely incredible - the level of detail and specific solutions everyone has provided is better than anything I could have gotten from EDD directly. It's mind-blowing that there are internal policies like "FCP flags," "manual verification overrides," and 30-day payment method restrictions that EDD doesn't proactively explain when fraud occurs. The fact that we have to become experts in their own system terminology just to access our benefits is completely backwards. @Lucas Schmidt - your detailed explanations about the specific language to use when calling are invaluable. I'm writing down every term you mentioned before I even attempt to contact EDD about switching payment methods. @Sofia Rodriguez - the insight about banks potentially placing ACH holds after seeing fraud reports is brilliant! I never would have thought to check that side of the equation. @Sara Hellquiem - the 30-day payment method change restriction is such crucial information that EDD should be explaining upfront but clearly doesn't. This whole thread should honestly be required reading for anyone dealing with Money Network fraud. It's saved me from weeks of frustration trying to figure this out on my own. Thank you all for sharing your experiences and creating this incredibly helpful resource! For anyone else going through this nightmare - definitely bookmark this conversation. The collective knowledge here is worth more than hours of calling EDD's general line and getting nowhere.

I'm brand new to this community and unfortunately joining because I'm dealing with this exact nightmare right now! Had fraudulent charges totaling $485 on my Money Network card about 10 days ago, just got the case resolved yesterday, and now I'm stuck in the same "cannot verify bank information" loop when trying to switch to direct deposit. Reading through this entire thread has been absolutely eye-opening and honestly more helpful than all of my interactions with EDD combined! I had no idea there were specific internal policies like "FCP flags," "manual verification overrides," and 30-day payment method restrictions that EDD doesn't explain when fraud occurs. I've called their customer service line three times already and each rep gave me completely different information - none of which mentioned any of the actual restrictions and policies everyone has identified here. The fact that we have to become experts in EDD's own internal terminology just to access our benefits after being victims of fraud is absolutely ridiculous. This thread should honestly be required reading for anyone dealing with Money Network fraud issues! @Lucas Schmidt - thank you so much for the detailed breakdown of exactly what to ask for! I'm calling tomorrow morning with "manual verification override" and "verification status reset" written down, along with my fraud case number ready. @Sofia Rodriguez - I never would have thought to check with my bank about ACH holds on their end. That's such a crucial piece that could easily be overlooked. @Sara Hellquiem - the 30-day payment method change restriction is vital information that EDD should be explaining upfront but clearly doesn't. This community knowledge is invaluable and is going to save me weeks of frustration. I'll definitely come back and update everyone on what works - hopefully my experience can help the next person dealing with this broken system!

I'm new to this community but unfortunately joining due to a very similar situation! I had $327 stolen from my Money Network card through fraudulent online purchases about 2 weeks ago. Just got my fraud case resolved this morning and was planning to attempt switching to direct deposit, but after reading through this entire thread I'm realizing I need to be much more strategic about it. This thread is absolutely incredible - the level of detailed, actionable advice here is better than anything EDD provides officially, which is honestly shameful for a government agency. The fact that there are specific internal policies like "FCP flags," "manual verification overrides," and 30-day payment method restrictions that even EDD's own customer service doesn't know about is completely unacceptable. @Lucas Schmidt - your breakdown of the exact terminology to use is invaluable! I'm writing down "manual verification override" and "verification status reset" before I even think about calling. @Sofia Rodriguez - the insight about banks potentially placing ACH holds after fraud reports is brilliant and something I never would have considered checking. @Sara Hellquiem - knowing about the 30-day payment method change restriction upfront is going to save me from banging my head against the wall wondering why nothing is working. It's really disturbing that we have to crowdsource solutions for basic government services, but I'm so grateful this community exists. This thread should be pinned as a resource - it's going to save countless people weeks of unnecessary frustration! I'll definitely update everyone once I navigate this process. Hopefully having all this knowledge upfront will make my experience smoother than what everyone else had to figure out the hard way.

I'm also new to this community and unfortunately joining because of a Money Network fraud situation! I discovered $245 in unauthorized transactions on my card about a week ago and I'm just starting the fraud case process with Money Network now. Reading through this entire thread has been both incredibly helpful and absolutely terrifying - I had no idea about all the hidden restrictions and verification issues that come after getting fraud resolved! The fact that EDD has internal policies like "FCP flags" and "30-day payment method restrictions" that they don't explain upfront is honestly infuriating. It's clear from everyone's experiences that their customer service reps either don't know about these policies or aren't trained to communicate them properly, which leaves people like us scrambling to figure it out on our own. @Lucas Schmidt - thank you so much for sharing the specific terminology! I'm saving your advice about "manual verification override" and "verification status reset" for when I eventually need to make the payment method switch. @Sofia Rodriguez - your point about banks potentially placing ACH holds is something I never would have considered. I'll definitely check with my credit union when the time comes. This thread should honestly be turned into an official guide because it contains more useful information than anything EDD provides. It's really sad that fraud victims have to become experts in bureaucratic terminology just to safely receive their benefits, but I'm so grateful everyone is sharing their knowledge here. I'll definitely come back and update on my experience once I get through the fraud resolution and payment method switch process. Hopefully having all this information ahead of time will help me avoid some of the frustration everyone else had to endure!