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Money Network Card account suddenly locked - can't access funds even after calling rep

I'm so frustrated right now with this Money Network card nightmare! Everything was fine with my first EDD payment - got the card, activated it, even transferred money to my bank with zero issues. Then today, I tried logging in to check my new payment and BOOM - completely locked out. Can't access the app OR the website after a few failed login attempts (their system kept saying my password was wrong even though I KNOW it was right). Called customer service and the rep gave me a temporary password that didn't even work! They just said 'try again in a few hours or maybe tomorrow' like it's no big deal that I can't access MY MONEY. I managed to check my balance and initiate another bank transfer through their automated phone system, but who knows if it'll actually go through. Has anyone else dealt with this Money Network lockout issue? Any tricks to getting back into your account faster? This is seriously stressing me out.

StarSurfer

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The same thing happened to me last month! The Money Network security system is ridiculously sensitive. What worked for me was waiting exactly 24 hours (not just 'a few hours' like they say), then trying again using a different device than the one you got locked out on. I had to use my laptop instead of my phone. Also make sure you're clearing your browser cache before trying again. When you do get back in, immediately set up the text verification option for future logins - it's much more reliable than just the password.

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Yuki Nakamura

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Thanks for the advice! I'll try waiting the full 24 hours and use my laptop instead of my phone. Did your bank transfer still go through even while you were locked out of your account?

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Carmen Reyes

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money network is THE WORST!!!! been locked out 3 times in 2 months 🤬🤬🤬 their whole system is garbage, my friend said to just transfer everything out as soon as it hits ur card dont even leave anything on there

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Andre Moreau

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While Money Network certainly has issues, immediately transferring everything isn't always the best approach. Some people have reported transfer delays of 3-5 business days, so keeping some funds on the card for immediate needs can be wise. Also, repeatedly moving money quickly sometimes triggers fraud alerts in their system, which can cause additional lockouts.

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This is a common problem with the Money Network cards that EDD uses for unemployment benefits. The security system is designed to be extremely cautious (which is good for preventing fraud) but terrible for user experience. Here's what you need to do: 1. Wait the full 24 hours as others suggested 2. Call the number on the back of your card again, but this time ask specifically for a "security reset" not just a password reset 3. Have them send the verification code to a different method than before (email if you used phone before, or vice versa) 4. When you get back in, adjust your security settings to add multiple verification methods The phone transfers generally still process even when locked out of the online account, so that money should appear in your bank in 2-3 business days. In the future, many people find it easier to set up direct deposit to your bank account instead of using the Money Network card - you can change this in your UI Online account settings.

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Yuki Nakamura

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Thank you for these detailed steps! I didn't know to ask for a "security reset" specifically - I'll definitely try that tomorrow morning. And I'm definitely switching to direct deposit once I can access everything again. This card system is just too unreliable.

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Jamal Thompson

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My cousin had this exact same issue when she got unemployment last year! She said it was because she was trying to log in from a different IP address than when she first registered the card (she was at her mom's house). Something about their fraud detection being super aggressive.

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Mei Chen

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I went through this exact nightmare with Money Network last year and spent HOURS trying to get it resolved through their regular customer service with no luck. I finally found a service called Claimyr (claimyr.com) that helped me connect with an actual EDD representative who could override the security lock on my account. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km The EDD rep was able to issue an immediate override since they could verify my identity on their end. It saved me from waiting 3-5 business days for the security hold to clear automatically. Might be worth looking into if your money is urgent and you can't wait for the normal reset process.

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Yuki Nakamura

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I hadn't heard about Claimyr before. Did you need to talk to an EDD rep specifically? I thought the Money Network card was managed by a separate company from EDD?

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Mei Chen

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You're right that Money Network is separate, but the EDD rep can still help because they're the ones who authorize the payments and can verify your identity in their system. Once I got through to EDD using Claimyr, the rep connected me with their Money Network liaison who could push through the security override. It's apparently a common enough problem that they have a process for it.

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CosmicCadet

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have u tried using incognito mode? sometimes the browser stores old info and thats why it keeps rejecting ur login. worked for me last time

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Yuki Nakamura

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I haven't tried incognito mode specifically, but I did try a different browser altogether with the same result. Might be worth trying incognito too though, thanks!

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Andre Moreau

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For anyone dealing with Money Network card issues, it's important to understand the difference between their regular customer service and their security department. Regular CS reps cannot help with account lockouts - you need to specifically request their security team. Call 1-866-692-9374 (the number on the back of your card), then press 0 to speak with a rep, and immediately ask for the "Security Department" or "Fraud Prevention Team." They're the only ones authorized to perform true account unlocks. The standard customer service can only give temporary passwords which often don't work if your account is in security lockdown mode. Also, be prepared to answer detailed verification questions - they'll ask about recent transactions and possibly the last four of your social.

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Yuki Nakamura

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This is super helpful, thank you! I definitely just spoke with a regular customer service rep who seemed pretty clueless about the whole situation. I'll specifically ask for the Security Department tomorrow.

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Liam O'Connor

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i had this problem too!! what worked for me was deleting all my cookies and browser history, restart my computer, then wait till like 3am to try again (less server traffic maybe??) and somehow it worked lol. these prepaid card websites are always so glitchy!!

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StarSurfer

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The 3AM thing actually makes sense! Their system likely runs maintenance and resets overnight. I've noticed several government-related services seem to work better in off-hours.

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Yuki Nakamura

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UPDATE: I got back into my account! Followed advice from several of you - waited 24+ hours, called and specifically asked for the Security Department, cleared all browser data, and used my laptop instead of my phone. The security specialist had me verify some recent transactions and then sent a special reset link to my email that actually worked! My bank transfer from yesterday also went through successfully. Thanks for all your help everyone!

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Great to hear you got it resolved! For future reference (and anyone else reading this), I highly recommend switching to direct deposit if possible. You can set this up in your UI Online account under "Payment Preferences." It bypasses the Money Network card completely and sends payments directly to your bank account, typically 1-2 days after certification is processed.

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