Money Network EDD debit card spending limits - daily withdrawal and purchase restrictions?
I just received my Money Network EDD debit card yesterday after waiting for what felt like forever (3 weeks!). Now I'm trying to figure out the spending limits. I need to pay my landlord $1800 for back rent plus this month, and I'm not sure if I can do it in one transaction. Does anyone know if there are daily purchase limits on these cards? Also, what about ATM withdrawal limits? The paperwork that came with the card is super confusing and I couldn't find a straight answer. I tried calling the number on the back but got stuck in a phone tree for 35 minutes before giving up.
16 comments
Mei Chen
Yep, there are definitely limits. I think the daily ATM limit is $1000 and point-of-sale purchase limit is $5000. But there's also a stupid $1000 cash advance limit at banks that's separate from the ATM limit. But honestly the limits seem to change randomly!!!! Last month my card wouldn't let me take out more than $500 from the ATM even though the month before I could do $1000. The whole system is GARBAGE.
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Jamal Edwards
•Thanks for the info. That's frustrating about the limits changing randomly. Did you ever figure out what was going on with your ATM limit decreasing?
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Liam O'Sullivan
The Money Network card for EDD benefits has these standard limits: - ATM withdrawals: $1,000 per day - Point-of-sale purchases: $5,000 per day - Over-the-counter cash withdrawals at banks: $1,000 per day So you should be able to pay your landlord the $1800 in a single transaction as long as you're doing it as a purchase and not trying to withdraw cash. Just be aware that some merchants have their own transaction limits, so it might be worth checking with your landlord if they have any payment processing restrictions before attempting the transaction.
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Amara Okonkwo
•This is really useful, thank u!! So if I cant use my card to pay rent directly (my landlord only takes checks or cash), I could actually go to a bank teller with my Money Network card and get $1000 cash, then go to another bank and get the other $800?
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Giovanni Marino
I had to deal with this last year. What I found is that you can transfer funds from your Money Network card to your personal bank account using the Money Network app or website, and then pay your landlord from your bank account. This avoids the daily cash withdrawal limits completely. The transfer usually takes 1-3 business days to complete. This was the easiest solution for me when I had to make larger payments.
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Jamal Edwards
•That's brilliant! I didn't even think about transferring to my bank account. That would solve everything. I'll set that up right now. Do you happen to remember if there's a limit on how much you can transfer at once?
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Giovanni Marino
Usually there's no limit on the transfer amount as long as you have the funds available on your card. But the first time you link your bank account, they might do a small test deposit to verify the account, which can take 1-2 days. So if you're in a rush, it might be faster to just do a point-of-sale purchase if your landlord accepts card payments.
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Fatima Al-Sayed
•my landlord is old school and only takes checks lol. i had to do the bank account transfer thing too and there was no limit but it took FOUR days to show up in my account! barely made rent on time
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Dylan Hughes
I had so much trouble with my Money Network card last month! The stupid thing kept declining even though I had plenty of money on it. Turns out you have to activate it by calling and creating a PIN even if you're just using it for online purchases. Did you activate yours yet? Also the website is always down for "maintenance" whenever I need to check my balance lol
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Jamal Edwards
•Yeah I activated it as soon as I got it. Got the PIN set up and everything. The website does seem really glitchy though - it took me three tries to log in successfully.
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NightOwl42
If you're having trouble reaching customer service for the Money Network card, I've had great success using Claimyr to get through to actual humans at EDD. I was in the same boat trying to figure out my card limits and after days of frustration, I used Claimyr (claimyr.com) and they got me connected to a rep who explained everything. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. The service is worth it when you're stuck in phone tree hell and need answers quickly about your benefits or card.
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Jamal Edwards
•Thanks for the tip about Claimyr. I might try that if I run into more issues. Right now I'm going to try the bank transfer method that someone suggested above, but good to know there's a way to actually reach someone if needed.
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Amara Okonkwo
ok but why does nobody talk about how the money network app is like NEVER WORKING?! everytime i try to check my balance it says "system unavailable" and im like ???? how am i supposed to know if i can pay for groceries?? anyone else have this problem or just me?
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Mei Chen
•OMG YESSS!!! This happens to me ALL THE TIME! I've started taking screenshots of my balance whenever the app actually works because I never know when I'll be able to check it again. It's ridiculous!
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Liam O'Sullivan
Just wanted to add - if you need to make a larger cash withdrawal beyond the daily limits for paying rent, you can also request a paper check from Money Network for the full balance on your card. There's an option for this on their website under "Check Request" or you can call customer service. It takes about 10 days to arrive, so it's not a quick solution, but it's another option if you need to access larger amounts at once in the future.
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Jamal Edwards
•That's good to know about the paper check option. Might be useful for the future. For now I think I'll try the bank transfer method first since it seems faster. Thanks for all the helpful info!
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