PA UC Money Network card declined everywhere despite having funds - how to fix?
So frustrated right now! My PA unemployment Money Network card is showing a balance of $1,280 online, but I just tried using it at 3 different places and it got declined every single time. This is the first time I've needed to use it in 2025 since starting my claim in January. Called the number on the back and went through that stupid automated system for 20 minutes, but it just says my card is active and has the correct balance. What gives? Do I need to activate something special for the new year? Anyone else having this problem with their UC payments not actually being available even though they show up online?
20 comments
Connor Richards
same thing happened 2 me last week! so annoying right?? had to call them like 5 times
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Zoe Wang
•Did you ever get it fixed? What did they tell you to do?
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Grace Durand
There are a few common reasons why your Money Network card might be declined despite showing a balance: 1. The card might need to be reactivated after a period of inactivity. Try calling again and specifically requesting reactivation. 2. Sometimes there's a 24-48 hour hold on newly deposited funds, especially at the beginning of a benefit year. 3. The card might have an address verification issue if you've moved since receiving it. 4. Some merchants put larger holds on debit transactions than the actual purchase amount. I'd recommend trying a small ATM withdrawal to test if the card works at all. If that fails too, definitely contact Money Network customer service directly at 1-888-233-5916, not the PA UC service center, as they handle the cards separately.
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Zoe Wang
•Thank you for such a detailed response. I'll try the ATM thing first. I haven't moved but this is a new benefit year for me. Maybe that's causing it? It's just so annoying that the automated system shows the money but I can't access it.
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Steven Adams
THE MONEY NETWORK CARDS ARE THE WORST!!!! I had the exact same problem in February and wasted HOURS trying to get it fixed. The PA UC system is deliberately making it hard for us to access OUR MONEY that WE EARNED through OUR WORK!!! I ended up having to go to an actual bank that accepts Money Network and had them check it. Turns out my pin was "locked" even though I NEVER entered a wrong pin. This whole system is designed to make us give up!!!
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Alice Fleming
•Omg yes!! The Money Network cards are soooo frustrating! I thought it was just me who had problems with them.
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Zoe Wang
•Oh wow, I didn't even think about the PIN being locked. That might be it since I haven't used the card in a while. The system didn't mention anything about a locked PIN though, which is really confusing.
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Hassan Khoury
Have you tried setting up direct deposit instead of using the Money Network card? That's what I did after having similar issues. You can change your payment method in your PA UC dashboard under "Payment Information." It takes 2-3 payment cycles to switch over, but it's worth it to avoid these card headaches.
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Victoria Stark
•I tried switching to direct deposit a few months ago, but ran into a weird issue where my bank account wouldn't verify properly. Had to upload documents and wait nearly 3 weeks for them to process it. Eventually got it working though, and it's been SO much better than dealing with those cards.
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Benjamin Kim
This is pretty common with the Money Network cards. I spent 2 hours last week trying to get through to someone at PA UC about a similar issue with my card. After getting nothing but busy signals, I found a service called Claimyr that got me connected to a real agent in about 10 minutes. They have a demo video that shows how it works: https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2 The agent told me that there's actually a separate activation needed for online/retail purchases versus ATM withdrawals. My card was only activated for ATM but not for stores. Something about merchant codes not being authorized. They fixed it while I was on the phone. Check out claimyr.com if you can't get through the normal way.
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Connor Richards
•never heard of this before sounds kinda sketchy tbh
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Zoe Wang
•Thanks for the tip! I'll check it out if I can't get this resolved by tomorrow. That separate activation thing makes sense - I've only ever used the card at ATMs before, and now I'm trying to use it at stores. Weird that they don't tell you about this!
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Grace Durand
Also, just to clarify something important: Money Network and PA UC are separate entities. If your issue is specifically with the card, you need to contact Money Network directly at 1-888-233-5916. The PA UC service center often can't help with card-specific technical issues because they don't have direct access to the Money Network system. If you call Money Network directly and specifically ask about merchant restrictions or transaction authorization codes, they can check if certain types of purchases are blocked on your card. They can also verify if there's a security hold because you haven't used the card in a while.
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Zoe Wang
•I just called Money Network directly and you were right! They said my card had a security freeze because I hadn't used it for retail purchases in over 90 days. They removed it while I was on the phone and said I should be able to use it within 2 hours. Thanks so much for the help!
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Alice Fleming
omg i had this EXACT same problem!! so annoying right?? but in my case it was because i tried to use the card out of state when visiting my sister in ohio and they thought it was fraud or something
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Steven Adams
•YUP!!! They never tell us about these "security features" that just make our lives harder! Why should we have to PROVE we're not committing fraud just to access OUR OWN MONEY?!?!
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Connor Richards
did u try calling the money network people not the unemployment office? theyre different
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Zoe Wang
•Yep, I finally got it figured out by calling Money Network directly. Apparently had some kind of security freeze!
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Hassan Khoury
Now that you got it working, I strongly recommend setting up direct deposit for future payments. The Money Network cards have too many random issues and restrictions. Direct deposit is much more reliable and you don't have to worry about card activations, security holds, or merchant restrictions. Just make sure you have your routing and account numbers ready when you set it up in your dashboard.
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Zoe Wang
•Definitely going to do this. The card is too much hassle. Thank you all for the help!
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