Money Network Card $300 ATM withdrawal limit - ways to access full funds?
Got my new Money Network EDD card last week and I'm trying to figure out how to access all my unemployment funds at once. Every ATM I've tried limits me to $300 per withdrawal which is frustrating since I need to pay my landlord $1600. The Money Network app shows a bank transfer option, but it says it takes 2-3 business days to process. Is there any way to withdraw larger amounts in cash immediately? Can I go inside an actual bank branch with my Money Network card and withdraw everything? Anyone figured out how to get around this ATM limit? Thanks for any tips!
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Andre Laurent
You have a few options with the Money Network card: 1. Bank transfer is the most reliable - yes it takes 2-3 days but there's no fee 2. You can go to any bank that displays the Visa logo and do a cash advance at the teller window (bring ID). Most allow up to $5,000 per transaction 3. You can do multiple ATM withdrawals but you'll get hit with fees after your 4 free withdrawals per month 4. Some stores like Walmart or grocery stores offer cash back with purchase (usually $100-$200 max) Personally, I always transfer to my bank account. It's cleaner and I don't have to worry about carrying cash.
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Carmen Diaz
•Thank you! I didn't know about the cash advance option at bank tellers. Will they charge a fee for that since it's not their bank card?
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AstroAce
dont waste ur time with atms... just do the bank link in the app. its kinda annoying to setup but once u do it works fine. just make sure u have the right account numbers. i got a $45 overdraft fee cus i typed the wrong number lol
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Carmen Diaz
•Thanks for the warning! I'll double check all the routing/account numbers if I go that route. Did it actually take the full 3 days to show up in your account?
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Zoe Kyriakidou
I've been dealing with these stupid cards for YEARS. The whole $300 ATM limit is honestly ridiculous when you have thousands in benefits. Here's what I do: 1. NEVER use non-Bank of America ATMs - they charge extra fees 2. You can actually make multiple $300 withdrawals in the same day (I've done up to 3 back-to-back) 3. SOME Bank of America locations will let you withdraw more inside with a teller 4. Money Network app transfers are FREE but slow The system is deliberately annoying. EDD wants to make it hard to get YOUR MONEY.
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Jamal Brown
•Actually, Money Network cards aren't associated with Bank of America anymore. Bank of America stopped handling EDD cards in 2022. The new cards are from Money Network, which is part of Fiserv. Different ATM network entirely.
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Mei Zhang
I had the same problem last month and found the best solution is making a cash advance withdrawal inside a bank. Just go to any bank that has the Visa logo on the door, show your Money Network card and ID to the teller, and request a cash advance withdrawal. I withdrew $2,400 this way at Chase (and I don't even have an account there). No fee from the Money Network side, but the bank might charge a small fee ($5-$10). The bank transfer in the app works too but takes too long when you need cash immediately. Hope this helps!
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Liam McConnell
•I tried this at Wells Fargo yesterday after reading your comment and they refused to help me because I don't have an account with them. Said it was "policy." So I guess it depends on the bank and maybe even the specific branch?
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Amara Oluwaseyi
try walmart. u can get $100 cash back with purchase. just buy something cheap like gum and ask for cashback. do it multiple times if u need more. i do this all the time lol
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Carmen Diaz
•That's a clever hack! Might be a bit time consuming to do multiple transactions though. How many can you do in one visit without the cashiers getting annoyed?
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CosmicCaptain
If you need to contact EDD about your Money Network card issues, use Claimyr. I spent DAYS trying to reach someone about my card limits and kept getting the "maximum callers" message. Claimyr got me through to a live EDD agent in 17 minutes. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km - seriously worth it when you're desperate to access your benefits. Their website is claimyr.com
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Zoe Kyriakidou
•Does this actually work? I've tried calling EDD about 50 times about my card issues and NEVER get through. Always "we're experiencing high call volume" then it hangs up. I'll try anything at this point.
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Jamal Brown
Just to clarify some misinformation I'm seeing in this thread: 1. The daily ATM withdrawal limit for Money Network cards is $1,000, not $300. However, many individual ATMs have their own $300 per transaction limits. 2. You can make multiple withdrawals up to your daily card limit. 3. Cash advance at bank tellers is the best option for large amounts (up to $10,000 per day). Most banks will process this even if you're not a customer, though some may charge a fee. 4. Bank transfers in the app are completely free and secure, though they do take 2-3 business days. 5. You get 4 free ATM withdrawals per month, then it's $1.25 per withdrawal. For the official info, check the cardholder agreement on moneynetwork.com/edd
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Carmen Diaz
•Thank you for this detailed clarification! So the $300 limit is from the ATM itself, not my Money Network card. That explains why I kept hitting the same limit at different locations. I'll try the cash advance option tomorrow.
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