EDD SDI payment authorized but not in bank account - sent to Money Network instead?
Feeling super stressed right now! My EDD case manager told me that my disability payment was authorized today, but my bank account is still showing zero new deposits. I specifically chose direct deposit when I filed my claim in January. I never received a Money Network debit card and honestly don't want to deal with that extra hassle. Has anyone experienced this where EDD says your SDI payment is authorized but then sends it to Money Network anyway instead of using your direct deposit info? How long does it typically take for authorized payments to actually hit your account? I'm worried they ignored my direct deposit selection and now I'll have to wait weeks for some card to arrive.
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Yuki Nakamura
This happens ALL the time with EDD. When they say "authorized" it just means they approved the payment, not that it was processed. Direct deposit usually takes 1-2 business days AFTER authorization. If your payment was authorized today, I wouldn't expect to see it until tomorrow at the earliest, maybe the day after. The Money Network card is only sent if you didn't select direct deposit or if there was an issue with your banking info.
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Ethan Moore
•Oh thank god!! That makes me feel so much better. I was panicking that I'd have to wait forever for some card. My rent is due next week and this disability payment needs to hit my account ASAP.
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StarSurfer
mine took 3 days after authorization to show up in my bank. relax lol
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Ethan Moore
•Thanks, that's good to hear! Sorry, just really anxious about money right now!
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Carmen Reyes
The EXACT same thing happened to me back in December!!! I was FREAKING OUT!! I called EDD like 60 times over two days and couldn't get through. Then suddenly on day 3 the money just showed up in my bank account. Just wait a few days before panicking.
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Andre Moreau
•Calling EDD is a complete nightmare. I spent 4 hours on hold last month trying to fix a payment issue. If you absolutely need to talk to someone and can't wait days on hold, try using Claimyr (claimyr.com). I found it after my doctor's office recommended it - they connect you with an EDD agent way faster. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. It saved me from losing my mind when I needed to verify why my payment was delayed.
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Zoe Christodoulou
Just to clarify some common misconceptions about EDD SDI payments: 1. Authorization is just the first step - it means your certification was approved and payment will be issued 2. Processing typically takes 24-48 business hours after authorization 3. Direct deposit takes an additional 1-2 business days after processing 4. Money Network cards are only sent if: - You specifically selected this option - Your direct deposit information was invalid - There was a problem with your bank accepting the deposit If it's been more than 4 business days since authorization, then you should contact EDD to verify your payment method. Also, always double-check your account information in SDI Online to make sure your direct deposit details are correct.
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Jamal Thompson
•i think u can also check ur payment history on the edd website to see if it says direct deposit or card!! that might help the op figure out where its going
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Ethan Moore
UPDATE: You guys were right! The payment just hit my account this morning - it took about 36 hours after they said it was authorized. Thanks for keeping me from having a complete meltdown, lol!
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Mei Chen
•the EDD needs to explain this better to people... they make everything so confusing and then wonder why everyone panics!! glad you got your payment!!
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CosmicCadet
This reminds me of when I was on disability last summer and had a similar freak out moment. My claim got approved but I didn't see money for like a week. Turns out I had accidentally checked the wrong payment option when I was filling out the form late at night. Had to switch everything over from the debit card to direct deposit and it was such a headache. Always triple check those forms people!
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Yuki Nakamura
•That's a good point. For anyone reading this thread later: if you need to change your payment method from debit card to direct deposit (or vice versa), you need to log into your SDI Online account, go to "Payment Method" under "Account Information" and make the change there. It can take up to 7 days for the change to fully process, so plan accordingly.
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Alice Fleming
So glad this worked out for you! I went through the exact same panic when I first started getting SDI payments. The waiting period between "authorized" and actually seeing the money in your account is the worst part - EDD really should make this timeline clearer to people. For future reference, if you ever need to track your payment status more closely, you can also check the "Payment Activity" section in your SDI Online account which shows the exact date payments were issued vs. when they're expected to deposit. Congrats on getting through the process!
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