EDD SDI payment authorized but not in bank account - sent to Money Network instead?

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.

mine took 3 days after authorization to show up in my bank. relax lol

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.

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.

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!

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!

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!

Just wanted to chime in as someone who's been through this process multiple times over the years. The anxiety around that first payment is totally normal - I remember refreshing my bank account every hour when I was waiting for my initial SDI deposit! One thing that helped me was setting up text alerts with my bank so I'd get notified immediately when any deposit hit my account. That way I wasn't constantly checking manually. Also, if you're ever in a situation where you need the money urgently and it's taking longer than expected, some banks will give you a provisional credit if you can show proof of the authorized payment from EDD. Worth asking about if you're in a tight spot with bills!

I'm going through the exact same thing right now! Filed my SDI claim a few weeks ago and just got the "authorized" notification yesterday. Reading through all these responses is so reassuring - I was starting to worry they lost my direct deposit info or something. It's really frustrating that EDD doesn't explain the difference between "authorized" and "processed" clearly. Like, when they say authorized, most people assume that means the money is on its way immediately. The fact that there's still a 1-3 day processing period after authorization should be spelled out more clearly in their communications. Thanks everyone for sharing your experiences - this thread is going to save a lot of people from unnecessary panic attacks!

This whole thread is so helpful! I'm currently waiting for my first SDI payment too and was getting really anxious about the timing. It's honestly ridiculous how EDD doesn't explain their process better - like why not just say "authorized means approved, but allow 2-3 business days for deposit" instead of leaving everyone guessing? The terminology is so misleading. I've been checking my bank account obsessively since getting the authorization notice yesterday. Really appreciate everyone sharing their experiences and timelines here - it's way more informative than anything on the actual EDD website!

As someone who's been dealing with EDD for disability payments on and off over the past few years, I can totally relate to this stress! The waiting period between "authorized" and seeing the actual money is brutal, especially when you're already dealing with health issues and financial pressure. One thing I learned that might help future readers - if you're ever unsure about your payment method, you can actually call your bank and ask if they have any pending ACH deposits from the state of California. Sometimes they can see incoming transfers before they officially post to your account. Also, I always recommend taking a screenshot of the "authorized" notification from EDD with the date/time stamp - it's helpful documentation if there are ever any delays or issues that require you to call their customer service later. The system definitely needs to be more transparent about timing!

This thread is incredibly helpful for understanding EDD's confusing payment timeline! I'm currently on my third week of disability leave and just submitted my first certification yesterday. Reading everyone's experiences here has definitely prepared me for what to expect when I get that "authorized" notification. It's honestly pretty disappointing that EDD's own website and documentation doesn't clearly explain that "authorized" just means approved, not processed or deposited. The fact that we all have to come to community forums to figure out basic timing information shows how much room for improvement there is in their communication. I'm definitely going to use some of the tips mentioned here like setting up bank alerts and taking screenshots of authorization notices. Thanks to everyone who shared their timelines - it's reassuring to know that 1-3 business days after authorization seems to be the normal range for direct deposit!