ReliaCard spending limits preventing rent payment - ESD debit card restrictions?

yep theres def daily limits on those cards. i think its like $1000 for ATM withdrawals and maybe $1500 for purchases per day. its super annoying. u might have to wait til tmrw to get the rest out sry

The ReliaCard does have daily transaction limits. For ATM withdrawals, it's typically $1,000 per day. For purchases and over-the-counter withdrawals at banks, it's usually $5,000 per day. However, money orders often have their own separate limit category which can be around $1,500-$2,000 per day depending on your card settings. That's probably why you're running into this issue. Two possible solutions: 1. Try going to a bank that accepts Visa and request a cash advance over the counter instead of a money order 2. See if your landlord will accept a partial payment today and the remainder tomorrow when your limits reset You can also call the number on the back of your ReliaCard to request a temporary limit increase, but that usually takes 1-2 business days to process.

I HAD THIS EXACT PROBLEM last month!!!! The stupid ReliaCard limits are ridiculous when you're trying to pay important bills. I spent 3 HOURS trying to get someone on their customer service line with no luck. I ended up having to split my rent payment which made my landlord super mad and he charged me a late fee anyway. The whole system is designed to make things harder for people on unemployment!

I work at a financial services company and deal with these prepaid cards often. The ReliaCard typically has these limits: - ATM withdrawals: $1,000/day - Purchase transactions: $5,000/day - Money orders specifically: Often limited to $1,000-$2,000/day The issue is that money orders are categorized differently than regular purchases. Your card isn't seeing the total spending, it's specifically limiting the money order category. Try these workarounds: 1. Go to a US Bank branch specifically (they issue the ReliaCard) and request a cash withdrawal 2. Use the card directly to make a payment if your landlord accepts card payments (even with a fee, it might be worth it) 3. Transfer the funds to a personal bank account through the ReliaCard app/website if you have that set up The limits should reset at midnight, but that doesn't help with today's deadline.

Have you tried calling your landlord to explain the situation? I've been a property manager and usually if someone communicates BEFORE the rent is late and has proof they're trying to pay (like your receipt for the partial payment), most landlords will waive the late fee. Worth a shot!

I've been helping people with ESD issues for months now, and the ReliaCard limits are a common frustration. If you're really stuck trying to reach customer service, you might want to try Claimyr.com - they can get you connected to a live agent much faster than waiting on hold. They have a video demo at https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 showing how it works. It saved me hours when I had a similar issue with my card being locked after trying to make a large purchase. Worth considering if you're in a time crunch with that rent deadline.

doesnt help u right now but for next time try setting up direct deposit to ur regular bank account instead of using the reliacard. way less hassle and no stupid limits

so did u get it figured out??? curious what worked since i might have the same problem next month lol

Glad you got it mostly sorted out! Just a heads up for anyone else dealing with this - you can also try using the card for bill pay through your bank's online system if they offer that service. Some banks let you pay rent directly with a debit card and it might bypass the money order limits. Also, Walmart and some grocery stores have different daily limits for money orders than other places, so if you're stuck again you could try shopping around. The whole ReliaCard system is definitely frustrating when you need access to your own money!

Just wanted to add another tip that might help others - if you have a credit union account, they're often more flexible with cash advances from prepaid cards than big banks. I had a similar issue with my ReliaCard last year and my local credit union processed a $800 cash advance with no fees, while Chase wanted to charge me $10. Also, if you're really desperate and have a trusted friend or family member, you could potentially use the card to send them money through apps like Venmo or PayPal (though check the limits first) and have them give you cash back. It's not ideal but could work in a pinch. The ReliaCard system really needs to be more user-friendly for people who need to access larger amounts for essential expenses like rent.

Another option that worked for me when I had this exact same issue - try going to different ATMs throughout the day. Some people don't realize that the $1000 ATM limit might reset at different times depending on when you first used it, not necessarily at midnight. I was able to get an extra $400 out by trying an ATM at a different bank around 6pm after hitting my limit that morning. Also, if you have any local check cashing places, they sometimes have higher daily limits for money orders than grocery stores or post offices. It's worth calling around if you're really stuck. The ReliaCard situation is honestly ridiculous - they should have emergency overrides for essential expenses like rent!