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Keisha Johnson

Moving money from EDD Money Network card to bank account - transfer time?

So I just got my first unemployment payment loaded onto my EDD Money Network card yesterday (after 6 weeks of waiting!). I really need to pay my rent ASAP and I'd rather transfer the funds to my regular checking account instead of using the card directly. Has anyone done this? How exactly do I set up the transfer and how many days does it take for the money to actually show up in my bank account? My landlord's getting impatient and I need to know if I should just withdraw cash instead. Thanks!

Paolo Longo

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Yes you can transfer money from your EDD card to your bank account! I do it for every payment. Just go to the Money Network website (moneynetwork.com) or download their app, create an account if you haven't already, and set up your bank info. You need your routing number and account number. The first transfer can take 3-5 business days because they're verifying your account. After that, transfers typically take 1-2 business days in my experience. Much better than paying those ATM fees!

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Thank you! Do I need to verify micro-deposits like with Venmo or is it faster than that? Also, is there a limit to how much I can transfer at once?

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CosmicCowboy

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Its totally depends on ur bank!!! My BofA takes 2 days EXACTLY but my friends credit union took like 4 days and he was freaking out thinkin the $ got lost lol. just do it early don't wait till last day to pay rent

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Amina Diallo

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This is actually incorrect information. The transfer time depends on Money Network's processing AND your bank - not just your bank. I've had transfers take different amounts of time to the same bank account. Sometimes 1 day, sometimes 3.

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Oliver Schulz

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I work at a financial services company, so let me clarify how these transfers work: 1. Log into your Money Network account (create one if you haven't) 2. Go to "Transfer Funds" or similar option 3. Enter your bank's routing number and your account number 4. Specify the amount to transfer Important timing details: - First-time transfers require bank verification which can take 1-3 additional business days - Standard transfers typically process in 1-3 business days - Transfers initiated after 4pm PT or on weekends/holidays start processing the next business day - There's typically a daily transfer limit of $5,000 and monthly limit of $10,000 If your landlord needs payment immediately, you might want to use the card directly or withdraw cash from an in-network ATM (check the app for fee-free ATMs).

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This is super helpful, thank you! I'll probably do a combination - withdraw some cash for my landlord now and set up the bank transfer for future payments. Do you know if there's a fee for the transfer to my bank?

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when I had my EDD card I just took all the money out at once from an ATM so I didn't have to deal with transfers and waiting. find a bank ATM on the list of fee-free ones and you can usually take out $1000 per day. easier than messing with transfers IMO

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Javier Cruz

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I gave up trying to transfer from my EDD card because it was so frustrating. I spent HOURS trying to get through to someone at Money Network because my transfers kept failing. Their customer service is as bad as EDD's - always busy signals or disconnections. After wasting days trying to reach someone, I found Claimyr (claimyr.com) which got me through to an actual person at EDD who helped fix my card issues. They have this system that gets you past the busy signals - check out their demo video: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Money Network finally fixed whatever was blocking my transfers, and now they go through in about 2 business days consistently. The service was worth it to stop the headache.

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I've had trouble getting through to Money Network too! It's crazy how hard it is to talk to anyone about your own money. I might check this out if I run into issues. Thanks for the tip!

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Emma Wilson

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Another option is setting up direct deposit for future payments so they go straight to your bank account without the card middleman. You can change this in your UI Online account under "Payment Preferences." Won't help for money already on your card, but makes things easier going forward. For your current funds, bank transfers from Money Network typically take 2-3 business days in my experience, but I've seen some take up to 5 days depending on when you initiate the transfer and your bank's processing times.

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CosmicCowboy

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direct deposit is WAY better!!!! i switched after my first payment and never looked back. that stupid card is just another thing to lose honestly

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Amina Diallo

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Just a heads up - I tried to transfer my entire EDD balance ($5,400) at once and got an error message saying I exceeded the daily limit. Had to do two separate transfers. Also make sure the name on your bank account EXACTLY matches your EDD claim name or they might reject the transfer. I had to deal with that headache because my bank account has my middle initial and my EDD claim didn't.

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Oh that's a good point about the name matching! My bank has my maiden name and I filed EDD with my married name. Maybe I should just use the ATM method until I can update everything. Thanks for the warning!

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Ethan Clark

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I've been through this exact situation! For your immediate rent payment, I'd recommend withdrawing cash from a fee-free ATM since you need it ASAP. You can find the ATM locator in the Money Network app or website - there are usually plenty of options at major banks and some grocery stores. For the bank transfer setup, it's pretty straightforward but definitely takes time. The first transfer will likely take 3-5 business days because they verify your account with small test deposits. After that initial setup, regular transfers are usually 1-2 business days. One thing I learned the hard way - make sure you initiate transfers before 4pm Pacific time on business days, otherwise it doesn't start processing until the next day. And definitely switch to direct deposit for future payments like Emma mentioned - it'll save you all this hassle going forward! Since your landlord is already impatient, I'd grab the cash today and set up the bank transfer for next time. Good luck!

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I just went through this same process last month! Here's what worked for me: For immediate needs like rent, definitely go the ATM route first. Use the Money Network app to find fee-free ATMs near you - I found several at CVS and Walgreens that didn't charge extra fees. You can typically withdraw up to $1000 per day. For the bank transfer setup, log into moneynetwork.com and add your bank account info. The first transfer does take longer (3-5 business days) because they need to verify your account, but it's worth setting up for future payments. After verification, transfers usually take 1-2 business days. Pro tip: While you're dealing with this payment, definitely switch to direct deposit in your UI Online account for future payments. Go to "Payment Method" and change it from the EDD card to direct deposit to your bank. This way you won't have to deal with the card transfer delays again. Also make sure the name on your bank account matches exactly what's on your EDD claim - even middle initials matter or the transfer could get rejected. Hope this helps and congrats on finally getting your payment!

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Emma Thompson

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This is such great advice, thank you! I'm definitely going to hit up a CVS ATM today to get cash for rent, and then set up the bank transfer for next time. Really appreciate the tip about switching to direct deposit too - I had no idea I could do that in UI Online. Will definitely make that change so I don't have to deal with this card hassle again. Thanks for taking the time to write out all these details!

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Javier Mendoza

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Just went through this myself about two weeks ago! For immediate cash needs like rent, definitely hit up a fee-free ATM using the Money Network app to find locations - I found one at a nearby Walgreens that had no fees. You can usually get $1000 per day which should cover most rent payments. For the bank transfer, it's pretty straightforward but takes time. Log into moneynetwork.com, go to "Move Money" or "Transfer Funds", enter your bank routing and account number. The first transfer will take 3-5 business days because they send small verification deposits to confirm your account. After that initial setup, transfers typically take 1-2 business days. Important timing tip: Start transfers before 4pm Pacific on weekdays or it won't begin processing until the next business day. Also make sure your name matches exactly between your bank account and EDD claim. For future payments, definitely switch to direct deposit in your UI Online account under Payment Method - it goes straight to your bank and skips the whole card hassle. I wish I had known about that option earlier! Since your landlord is already waiting, I'd grab cash today and set up the bank transfer for next time. Hang in there - the hardest part (getting approved) is behind you!

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William Rivera

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Thank you so much for this detailed breakdown! I'm actually the original poster and this is exactly what I needed to know. I'm heading to a Walgreens ATM this afternoon to get cash for my landlord, and I'll set up the bank transfer tonight for future payments. Really appreciate you mentioning the 4pm Pacific cutoff time - I would have definitely missed that and been frustrated when it didn't process right away. Also going to switch to direct deposit like you and others suggested so I don't have to deal with this card situation again. Thanks for the encouragement too - you're right, getting approved was the hardest part!

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Derek Olson

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I've been through this exact situation multiple times and here's what has worked best for me: For immediate rent payment, definitely go the ATM route since you need it ASAP. Use the Money Network app to locate fee-free ATMs - I've had great success with Bank of America and Chase locations. Most allow $1,000 daily withdrawals with no fees. For bank transfers, log into moneynetwork.com and add your bank account details (routing + account number). The first transfer takes 3-5 business days for verification, but after that it's usually 1-2 business days. Make sure to initiate transfers before 4pm Pacific or it won't start processing until the next business day. Important: Make sure the name on your bank account matches your EDD claim exactly - even middle initials matter or the transfer will get rejected. While you're dealing with this payment, I'd strongly recommend switching to direct deposit in your UI Online account under "Payment Method." This way future payments go straight to your bank and you avoid the card hassle entirely. Since your landlord is waiting, grab cash today and set up the bank transfer for next time. The verification period is worth it for future convenience. Good luck!

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Mateo Sanchez

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This is exactly the step-by-step guidance I was looking for! I'm actually dealing with this situation right now - just got my first payment after what felt like forever waiting. Your point about the 4pm Pacific cutoff is super important, I definitely would have made that mistake. Quick question - when you mention the name needing to match exactly, does that include suffixes like "Jr." or "III"? My EDD account has my full legal name but I'm not 100% sure if my bank account includes the suffix. Should I double-check that before attempting the transfer? Also really appreciate the tip about switching to direct deposit - I had no idea that was even an option! Going to make that change as soon as I get through this first payment. Thanks for sharing your experience!

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