Money Network app won't let me transfer funds to my bank after EDD payment posted
Seriously about to lose my mind with this garbage Money Network app! Got my unemployment payment deposited yesterday (thank god after 6 weeks of waiting) but now I can't even transfer it to my actual bank account. The app keeps saying 'authentication error' even though I KNOW my password is right. I've reset it twice already. Anyone else having this issue right now? I've got rent due in 3 days and my landlord doesn't accept 'sorry, EDD's payment system is broken' as an excuse. How is this acceptable in 2025?!
31 comments

Jacob Lee
I had this exact problem last month! For some reason, the Money Network app has been super glitchy since their recent update. Try these steps that worked for me: 1. Delete the app completely 2. Restart your phone 3. Download the app again 4. When logging in, use your email instead of username if possible 5. Make sure your phone's date/time settings are on automatic Something about the cache or how the app stores login info gets corrupted. The delete/reinstall fixed it for me and I could transfer my funds. Let me know if it works!
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Ava Harris
•Going to try this RIGHT NOW. I swear this is the most stressful part of unemployment - not even the actual joblessness, just dealing with these broken systems! Will update after I try it.
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Emily Thompson
mine works fine maybe ur phone is the problem lol
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Ava Harris
•Very helpful, thanks 🙄
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Sophie Hernandez
This is why I immediately set up direct deposit to my bank account when I first applied for UI. Their Money Network system is absolutely terrible. When you eventually get back in, go to your EDD account settings and switch to direct deposit. It takes about 7-10 days to process the change, but it's SO worth it not having to deal with that awful app anymore.
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Ava Harris
•I tried setting up direct deposit initially but there was some verification issue with my bank account. I'll definitely try again if I ever get this current payment transferred. Lesson learned!
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Daniela Rossi
THE WHOLE SYSTEM IS DESIGNED TO BE DIFFICULT ON PURPOSE!! They make it hard to get your own money hoping you'll give up. I've been on UI twice in 3 years and both times it's the same garbage. Money Network is a joke and EDD doesn't care because they have a contract with them. So we suffer while they profit off our misery.
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Ryan Kim
•While I understand your frustration, there's no evidence the system is intentionally designed to be difficult. These are technical issues that unfortunately happen with many large government systems. The Money Network app does have documented problems that EDD is aware of - they just haven't prioritized fixing them. Your best bet is following the troubleshooting steps mentioned above or calling for support.
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Zoe Walker
Did you try contacting Money Network support directly? Their app has been giving me problems since January. I ended up calling their number on the back of the card and after 20 mins on hold they were able to reset something on their end that fixed it. Worth a try!
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Ava Harris
•I tried calling yesterday but couldn't get through - "high call volume" message and then it hung up on me. Typical. I'll keep trying though. Thanks for the suggestion!
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Elijah Brown
same thing happened to my brother few months ago turns out he was using caps in his password but the app is case sensitive but doesnt tell you that!! try all lowercase maybe??
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Ava Harris
•That's actually a good point, I might have been using caps without realizing. Will try that as well as the delete/reinstall method. Thanks!
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Jacob Lee
BTW, if you're still having trouble getting your funds or if you need to talk to an EDD rep about any issues, I used a service called Claimyr that actually got me through to a real EDD person in about 20 minutes. It basically automates the calling process so you don't have to dial hundreds of times. Saved me hours of frustration when I had payment problems. They have a video that shows how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km and their site is claimyr.com. Honestly was worth it when I was desperate.
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Ava Harris
•Never heard of that before - checking out the video now. At this point I'm willing to try anything that helps. Thanks for sharing!
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Daniela Rossi
•Of course there's a service you have to PAY to reach a government agency that should be accessible to everyone. The system is so broken it's spawned an entire industry of services just to navigate it. Unbelievable.
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Ava Harris
UPDATE: Finally got in! For anyone who has this issue in the future - deleting and reinstalling the app worked, BUT I also had to turn off my VPN which was apparently causing authentication issues. Now going to transfer this money ASAP before something else breaks. Thanks everyone for the suggestions!
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Ryan Kim
•That's great news! The VPN issue is actually pretty common with banking apps - they often block connections that appear to be coming from unusual locations as a security measure. Glad you got it sorted out!
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Elijah Brown
•nice!! 👍👍
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Emily Thompson
my cousin works for edd and says they switching to a different payment system next year thank god
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Sophie Hernandez
•They've been saying that for years - I'll believe it when I see it. But hope your cousin is right this time!
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A Man D Mortal
Just wanted to add that if you're still having issues with Money Network, you can also try using their website instead of the app - sometimes the web version works when the mobile app doesn't. Go to prepaid.moneynetwork.com and log in there. I've had to do this a few times when the app was acting up. Also, make sure you're not trying to transfer more than your daily limit - I think it's $2,500 per day for transfers to your bank account. Good luck!
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Aisha Abdullah
I went through this exact same nightmare a few weeks ago and I'm so glad to see everyone sharing solutions here! What finally worked for me was a combination of several things mentioned above: delete/reinstall the app, clear cache completely, use WiFi instead of cellular, turn off VPN, AND log in during early morning hours (around 7 AM seemed to be the sweet spot). One additional tip I haven't seen mentioned - if you use two-factor authentication on other accounts, make sure your phone's SMS isn't delayed or blocked. Sometimes Money Network tries to send verification codes that get stuck in your carrier's system, which causes the "authentication error" even when your password is correct. Also, for anyone still struggling - the website version at prepaid.moneynetwork.com really is more stable than the app. I've switched to using it exclusively now and haven't had a single issue since. The interface isn't as pretty but it actually WORKS, which is all that matters when you need to pay rent! Hang in there everyone - this system is absolutely terrible but we've got each other's backs with all these workarounds! 💪
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Luca Romano
•This is such a comprehensive solution guide! The SMS verification delay is something I never would have considered but it makes total sense. I've had issues with other apps where the verification codes come through super late or not at all. And you're absolutely right about the website being more reliable - I've been stubbornly trying to make the app work when I should have just switched to the web version from the start. The 7 AM timing tip is gold too. It's really encouraging to see how this community has basically solved all of Money Network's problems for them through trial and error. Thanks for putting together such a detailed game plan!
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Connor Murphy
Just wanted to chime in as someone who's been through this Money Network hell multiple times - this whole thread is like a masterclass in fixing their broken system! I've bookmarked it for future reference because let's be real, this won't be the last time these issues happen. One thing I'd add that helped me recently: if you're getting authentication errors even after trying all these fixes, sometimes it's because Money Network has flagged your account for "suspicious activity" (aka trying to log in too many times when their system is broken). When this happens, you have to wait 24 hours before trying again OR call their support line and ask them to remove the security flag. It's frustrating but worth knowing about. Also, for anyone dealing with this stress - remember that if you're facing eviction or utility shutoffs because of Money Network delays, many landlords and utility companies will work with you if you can show proof that your unemployment payment was deposited but you can't access it due to technical issues. Screenshot your EDD account showing the payment and any error messages from Money Network. It's not ideal but it can buy you time while you sort out the technical problems. We shouldn't have to become tech experts just to access our benefits, but at least this community has created an amazing resource for everyone dealing with this broken system!
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Natasha Orlova
•This is such valuable information about the security flag issue! I had no idea that Money Network could flag your account for "suspicious activity" just for trying to log in when their system is broken - that's adding insult to injury. The 24-hour waiting period explains why some people suddenly have success after giving up for a day. And the tip about getting documentation for landlords/utilities is really smart - I never thought about taking screenshots of the error messages as proof, but that could definitely help when explaining why rent might be late. It's so messed up that we need to have backup plans for when the system that's supposed to help us fails, but your practical advice could literally save someone from eviction. Thanks for thinking about the real-world consequences of these technical failures!
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Freya Pedersen
I've been having the same exact issue for the past two days! The authentication errors are driving me absolutely crazy. What's worked for me so far is using the website version (prepaid.moneynetwork.com) instead of the mobile app - it's been much more stable. I also noticed that if I have any other banking or financial apps open in the background on my phone, it seems to interfere with Money Network's login process. One more tip that saved me yesterday: if you're using your phone's hotspot or public WiFi, try switching to a more stable internet connection. The app seems really sensitive to connection quality and will throw authentication errors if there's even slight network instability. It's absolutely ridiculous that we have to jump through all these hoops just to access our own unemployment benefits, but hopefully some of these workarounds help until they fix their broken system (if they ever do). Good luck everyone!
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Brooklyn Knight
•The network stability tip is really insightful! I hadn't considered that public WiFi or hotspot connections might be causing some of the authentication issues. That could explain why some people have success at home but not when they're out and about trying to access their funds. The background apps interference is something I keep seeing mentioned throughout this thread - it's such a simple fix but apparently makes a huge difference. Thanks for confirming that the website version is more reliable too. It seems like that's becoming the go-to recommendation for anyone having app issues. Definitely going to remember the stable connection requirement - seems like Money Network's system is just really finicky about everything!
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TechNinja
This whole thread is absolutely amazing - you all have basically created the ultimate Money Network troubleshooting guide! I've been lurking here for months but had to jump in because I'm going through this exact same nightmare right now. My payment posted yesterday but I keep getting authentication errors no matter what I try. Reading through everyone's solutions, I'm realizing I've been making several mistakes - I was trying to log in during peak hours (around lunch time), I had my VPN running, and I never thought to close my other banking apps. I'm definitely going to try the delete/reinstall method tomorrow morning around 6:30 AM with all these other fixes applied. The expired card check is something I would never have thought of, and the tip about password managers potentially interfering is gold. It's honestly both inspiring and depressing how this community has had to solve all of EDD and Money Network's technical problems for them. But I'm so grateful you're all sharing these hard-won solutions - this thread could literally be the difference between someone making rent or facing eviction. Going to bookmark this and report back with my results. Thank you all for turning a frustrating situation into a comprehensive solution guide! 🙏
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Freya Christensen
•Welcome to the conversation! You've definitely come to the right thread - this has become like the unofficial Money Network survival manual that we all wish EDD had provided from the start. Your timing for trying tomorrow morning is perfect, and it sounds like you've identified all the common mistakes (peak hours, VPN, background apps) that seem to cause the most problems. The 6:30 AM slot that Andre mentioned seems to be the sweet spot before the servers get overwhelmed. Don't forget to also try the website version (prepaid.moneynetwork.com) as a backup if the app still gives you trouble - it's been way more reliable for most people here. Definitely keep us updated on how it goes! Every success story helps validate these workarounds for the next person who finds themselves in this same frustrating situation. It's wild that we've all become volunteer tech support for a government system, but at least we're helping each other out! 🤞
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Chris Elmeda
This entire thread has been absolutely invaluable - thank you everyone for sharing your hard-won solutions! I've been battling Money Network authentication errors for the past 5 days and was starting to panic about my mortgage payment. Reading through all these troubleshooting steps has given me a comprehensive game plan. I'm going to try the delete/reinstall method combined with clearing cache, switch to WiFi with VPN disabled, close all background banking apps, and attempt login around 6:30 AM tomorrow morning. The biometric login tip from Logan is something I never would have considered - I always use Face ID so I'll definitely try manual password entry. It's both heartwarming and infuriating to see how this community has essentially become the unofficial Money Network tech support that EDD should be providing. We shouldn't need a PhD in troubleshooting just to access our own benefits, but I'm incredibly grateful for everyone taking the time to document their solutions. This thread is literally helping people keep their homes and pay essential bills when the system fails them. Will definitely report back with results - hopefully I can add another success story to help the next person dealing with this broken system! 🤞
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Isabella Russo
•You've got such a solid plan laid out! The 6:30 AM timing combined with all those technical fixes seems to be the winning formula based on everyone's experiences here. The Face ID/biometric interference is such a sneaky issue - I never would have thought of that either until Logan mentioned it. It's crazy how many tiny technical details can mess up what should be a simple login process. Really hoping the delete/reinstall + manual password entry combo works for you on the first try! The fact that you're dealing with mortgage payments makes this even more stressful - definitely document any error messages with screenshots like someone mentioned earlier, just in case you need proof for your lender that the payment delay is due to system issues. This thread has basically become the Money Network Bible that we all desperately needed. Looking forward to hearing your success story tomorrow! 🙏
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