EDD website won't let me switch from Money Network to direct deposit - bank info verification keeps failing
I'm at my wits' end trying to switch my payment method from the Money Network card to direct deposit! The EDD website keeps rejecting my banking information during the verification step. I've triple-checked that I'm entering everything correctly - routing number, account number, etc. But every time I try to save it, I get some vague error about 'unable to verify account information.' I've called EDD FOUR times today. First time, I waited 2 hours only to get disconnected. Second time, someone answered but said their 'system was down' and to call back. Third time, got transferred to a different department who told me there was nothing they could do and I should just 'keep trying online.' Fourth time they hung up while transferring me! Is anyone else having this problem? I hate the Money Network card and the fees are killing me. My last payment took 5 days to show up on the card! I have bills due and need that money in my actual bank account. What's the secret to making this work??
17 comments
Yara Sayegh
I had the exact same issue last month and finally figured out the problem! The EDD system has this weird quirk where it only accepts bank verification during certain times of day, like between 8am-2pm. Something about their system maintenance schedules. Also, make sure you're using the account where your name is EXACTLY as it appears on your EDD profile - even a middle initial difference can cause rejection. And don't use special characters when entering your name if prompted.
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Connor Gallagher
•Seriously?? That's ridiculous - nowhere does it say anything about time restrictions! I'll try again tomorrow morning. My name should be exact... but maybe I'll double-check my EDD profile too. Thanks for the tip!
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Keisha Johnson
omg that money network card is THE WORST!! i kept mine for 3 months b4 i figured out how to switch. the atm fees are highway robbery!!!
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Connor Gallagher
•RIGHT?! I've probably paid $45 in fees already. It's outrageous. Did you eventually get direct deposit working?
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Keisha Johnson
•yea but i had to go to the bank and get a official letter from them with my account info on it. then i uploaded that to edd through the contact us thing. took like 2 weeks but it worked!
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Paolo Longo
The EDD payment system is DELIBERATELY COMPLICATED to discourage people from getting their benefits. I've worked in state government and this is BY DESIGN. They make it difficult to receive payments hoping people will just give up and stop claiming. The Money Network card contract is a sweetheart deal between California and the card company - they SPLIT THE FEES you pay. That's why they make it so hard to switch to direct deposit!!!!
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CosmicCowboy
•While I understand your frustration, this isn't accurate information. The state doesn't receive a portion of Money Network fees. The difficulties with the system are due to outdated technology and security protocols, not malicious intent. There's no benefit to the EDD when claims are harder to process - it actually creates more work for them through increased phone calls and support requests.
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Amina Diallo
I switched mine over no problem last week lol. Just put in the numbers and it worked. Maybe ur bank doesnt allow it? Some credit unions have problems with the EDD system.
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Connor Gallagher
•I have Bank of America, which is definitely supported. That's what's so frustrating - it SHOULD be working! Glad it was easy for you though.
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CosmicCowboy
Having worked through this issue with many claimants, here's what you need to know: 1) The EDD system only verifies bank accounts Monday-Friday, 8am-4pm. Attempts outside those hours will appear to fail. 2) There's a common issue with banks that have merged or changed routing numbers. Double-check that you're using the current routing number (sometimes the one printed on checks is outdated). 3) The account holder name must EXACTLY match your EDD profile name. This is the most common issue. 4) If you continue having problems, you can submit Form DE 4005 by mail or fax with a voided check to establish direct deposit. Unfortunately, reaching EDD by phone right now is extremely difficult due to high call volumes. I recommend using Claimyr (claimyr.com) which helps you bypass the busy signals and connects you directly to an EDD representative. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Many people I've worked with have had success getting their direct deposit issues resolved this way.
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Connor Gallagher
•This is SUPER helpful! I didn't know about the time restrictions - that might be the issue since I've been trying in the evenings. I'll also check my routing number again, and I had no idea about that DE 4005 form as a backup option. I'm going to try one more time during the right hours tomorrow, but if that doesn't work, I'll definitely check out that service. At this point, I'd do anything to avoid more hours on hold just to get disconnected. Thank you!
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Oliver Schulz
I experienced something similar when trying to switch from Money Network to direct deposit. The system kept rejecting my bank info no matter how carefully I entered it. Turns out there was a flag on my account that needed to be cleared first because I had previously reported a payment issue. You might want to ask specifically if there are any flags or blocks on your account that would prevent changing payment methods. Sometimes the regular reps don't check for this automatically.
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Connor Gallagher
•That's interesting - I did have a payment issue back in January that got resolved, but maybe there's still some kind of flag. If I can actually get through to someone, I'll definitely ask about this. Thanks for sharing your experience!
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Natasha Orlova
have u tried using a difrent browser?? sometimes the edd website is weird on chrome but works fine on firefox or the other way around. just a thought!!
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Connor Gallagher
•I haven't! I've been using Chrome the whole time. That's such a simple thing I didn't think to try - I'll give Firefox a shot tomorrow morning. Thanks!
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Yara Sayegh
Update us if you get it working! I think combining all the advice here should help - try during business hours, double-check your account details, use Firefox, and make sure your name matches exactly. The system is definitely picky but once it works, direct deposit is so much better than dealing with that Money Network card!
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Connor Gallagher
•IT WORKED!!! I tried this morning at 9am using Firefox, triple-checked my routing number (which was correct), and made sure my name was entered exactly as it appears on my EDD profile. The verification went through immediately! Thanks everyone for all your help - you saved me from more frustrating phone calls!
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