ESD ReliaCard cash withdrawal limits at US Bank - teller denied my request

I've been using ReliaCard for my ESD benefits for about 6 months now. The teller limit is $7,000 per day, but there's also a rule about only one teller transaction per day at US Bank branches. It's buried in the fine print they send with the card. I learned this the hard way when I tried to make two withdrawals at different branches on the same day. Try using an ATM for additional withdrawals (daily ATM limit is $1,025) or do a cash advance at a different bank (though they'll charge a fee).

the relicard is THE WORST!!! i've had nothing but problems since esd switched to it. tried calling their customer service and was on hold for 45 min before giving up. atm limits are too low and u get charged fees at non-usbank atms. wish they'd just direct deposit to regular accounts like normal.

The ReliaCard has several different limits you need to be aware of: - ATM withdrawals: $1,025 per day - Teller cash withdrawals: $7,000 per day - Point-of-sale transactions: $7,000 per day - Transfers to a bank account: $7,000 per day And yes, there is a limit of one teller transaction per day at US Bank branches. This is clearly stated in the cardholder agreement that came with your ReliaCard. I recommend setting up a bank transfer from your ReliaCard to your regular checking account online. It's usually processed within 1-3 business days and doesn't have the same restrictions as teller withdrawals. You can do this through the ReliaCard mobile app or website.

I had the same issue last month! So annoying. I ended up having to go to an ATM to get the daily max, then went back the next day for the rest. My apartment complex charged me a late fee because of it. The ReliaCard is supposed to make things easier but it just creates more problems honestly.

Have you tried contacting ESD directly about this issue? Sometimes when you're having problems with your ReliaCard, it's faster to go straight to the source rather than dealing with US Bank. I've been struggling with ESD's phone lines too - they're constantly busy and I couldn't get through for days trying to resolve an adjudication issue. I finally tried using Claimyr (claimyr.com) to get through to an actual ESD agent. They have a service that helps you skip the phone queue. There's a video that shows how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 The ESD agent I spoke with was able to help me understand all my ReliaCard options and even expedited my issue. Might be worth trying if you need immediate assistance with your benefits or card.

why dont u just do cashback at walmart? u can get like $100 cashback when u buy something small. just do multiple transactions. thats what i do to avoid atm fees lol

I went through this exact situation last year. Here's what you can do: 1. Call the number on the back of your ReliaCard and request a temporary increase to your daily withdrawal limit. They sometimes can make exceptions. 2. If that doesn't work, ask your landlord if they'll accept a money order. You can purchase money orders at many grocery stores using your ReliaCard as a debit card. 3. Another option is to use the ReliaCard bill pay feature to send a check directly to your landlord. This can be set up through the ReliaCard website. 4. As others mentioned, you can also switch to direct deposit for future payments, which takes about 7-10 days to process. Hope this helps! The ReliaCard system definitely has its quirks.

hey did u figure this out? im curious what ended up working cuz im gonna need to pull out a large amount next week too

Glad to hear you found a solution! The money order route is definitely underutilized - most people don't realize you can use debit cards for them at grocery stores. For anyone else reading this thread, I'd also suggest checking with your local credit unions. Some will let you do a cash advance on debit cards with lower fees than regular banks. And if you're dealing with recurring large payments like rent, setting up that direct deposit switch really is worth the initial hassle. Takes about a week but saves so much stress in the long run.

Just want to add that if you're ever in this situation again, some banks will let you do a "cash advance" transaction at the teller using your ReliaCard as a debit card, even if it's not a US Bank branch. I had to do this once when I was traveling and needed cash quickly. They usually charge a small fee (like $3-5) but it can be worth it in emergencies. Also, if you have a Venmo or Cash App account, you can sometimes transfer money from your ReliaCard to those apps and then transfer to your bank account for faster access than the standard bank transfer option.

Just wanted to chime in as someone who's been dealing with ReliaCard for over a year now. The one-transaction-per-day rule at US Bank tellers is definitely real and super frustrating - I wish ESD would make this clearer upfront! For future reference, here's what I've learned works best for large withdrawals: - ATM withdrawal first thing in the morning ($1,025 max) - Then hit up grocery stores for money orders throughout the day - Some Walmarts and grocery stores let you do multiple small transactions for cash back if you space them out The direct deposit switch is 100% worth it though. I made the change about 6 months ago and haven't looked back. Takes about 10 business days to fully process, but then you avoid all these ReliaCard headaches entirely. You can still keep the card for emergencies if needed. Really glad you got it sorted with the money orders - that's become my go-to recommendation for anyone dealing with ReliaCard withdrawal limits!

This whole thread is so helpful! I'm new to unemployment benefits and just got my ReliaCard last week. I had no idea about any of these withdrawal limits or the one-transaction-per-day rule at US Bank. It's honestly pretty concerning that ESD doesn't make this stuff clearer when they send out the cards - seems like a lot of people are getting caught off guard when they need to access their benefits for essential expenses like rent. I'm definitely going to bookmark all these workarounds (money orders, cash advances, ATM + grocery store cash back) just in case I run into similar issues. And it sounds like switching to direct deposit is the way to go long-term. Thanks everyone for sharing your experiences and solutions - this is exactly the kind of practical advice that makes this community so valuable!

This thread is incredibly thorough and helpful! I'm dealing with my own ReliaCard issues right now - tried to get cash for a car repair yesterday and hit the same one-transaction limit at US Bank. The teller was apologetic but said their hands were tied by the card rules. I had no idea about the money order option at grocery stores - that's genius! Also really appreciate everyone mentioning the direct deposit switch. I've been putting it off because I thought it would be a huge hassle, but after reading all these experiences it sounds like the temporary inconvenience is way better than dealing with these withdrawal restrictions every month. One quick question - for those who switched to direct deposit, did you have any issues with the timing of payments? Like did ESD still deposit on the same schedule or did it change when you switched from ReliaCard to direct deposit?

I'm going through the exact same thing right now! Just got my ReliaCard two weeks ago and had no clue about these withdrawal restrictions. Tried to get cash for my security deposit yesterday and the US Bank teller gave me the same story about only one transaction per day. Super frustrating when you're already stressed about finances and then can't even access your own benefits properly. Reading through all these solutions is incredibly helpful though - especially the money order idea and the direct deposit switch. I'm definitely going to look into changing to direct deposit ASAP. It's ridiculous that ESD doesn't explain these limitations upfront when they send the card. You'd think they'd want to make it as easy as possible for people to access their benefits, not create all these hoops to jump through. Has anyone had luck calling ReliaCard customer service to complain about these policies? Or is it just something we have to work around?

Just wanted to add my experience as someone who recently went through this exact situation! I got hit with the same ReliaCard withdrawal limit surprise last month when trying to get cash for moving expenses. The one-transaction-per-day rule at US Bank is so poorly communicated - I felt totally blindsided. What ended up working for me was a combination approach: I did the max ATM withdrawal early in the morning, then went to three different grocery stores throughout the day to get money orders. Each store let me get up to $1,000 in money orders using my ReliaCard as a debit card. The fees were only like $1.50 per money order, which was way better than dealing with cash advance fees at other banks. I also want to echo what others have said about switching to direct deposit - I made the change right after this incident and it's been so much less stressful. The 7-10 day processing time feels long when you're in the middle of a crisis, but it's totally worth it for peace of mind going forward. Really appreciate everyone sharing their workarounds in this thread. It's crazy that we have to figure out these solutions on our own when ESD could just explain the ReliaCard limitations clearly from the start!

This entire thread has been incredibly eye-opening as someone who just started receiving unemployment benefits! I had no idea the ReliaCard had so many hidden restrictions. The fact that there's a one-transaction-per-day limit at US Bank branches but they don't clearly explain this when they send the card is honestly unacceptable. Reading through everyone's experiences and solutions has been a lifesaver though. The money order strategy seems like the most reliable workaround for large payments, and I'm definitely going to switch to direct deposit based on all the positive feedback here. It's frustrating that we have to rely on community knowledge to navigate these basic benefit access issues that ESD should be making crystal clear from the start. Thank you to everyone who shared their specific strategies and timing details - this thread should honestly be required reading for anyone getting a ReliaCard! Going to bookmark this for sure.