EDD just authorized my SDI payment - how many days until it hits my account?
So I finally got the notification that my disability payment was authorized on 8/28/25 (after waiting FOREVER) but the money still isn't in my account two days later. This is my first time on disability leave and I have rent due next week. For those who've been through this before - how many business days does it typically take from 'payment authorized' status until the money actually shows up in your bank account? I have direct deposit set up. Getting super anxious watching my account balance... ugh.
16 comments

Luis Johnson
mine took 3 days last time. depends on ur bank tho
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Jasmine Hernandez
AuthorThank you! I'm with Chase. Hoping it shows up by Friday then. 🤞
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Ellie Kim
With direct deposit, it typically takes 2-3 business days after authorization for the funds to appear in your account. Remember that weekends don't count as business days. If your payment was authorized on a Friday, you might not see it until Wednesday. Also, the first payment often takes slightly longer than subsequent payments. If it's been more than 5 business days, you should contact EDD to make sure there isn't an issue with your banking information. Sometimes the routing or account numbers get entered incorrectly, or your bank might put a hold on the deposit.
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Fiona Sand
I HAD THIS EXACT PROBLEM!!! My bank info was entered wrong (turned out I typed one digit wrong in my account #) and my payment got returned to EDD. Took THREE WEEKS to sort out!! Check ur banking details in ur SDI account RIGHT NOW before u end up in the same nightmare!!
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Mohammad Khaled
When I was on SDI last year it took 4 business days every time. But my sister got hers in 2 days with a different bank. The EDD website says to allow up to 5 business days before contacting them.
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Jasmine Hernandez
AuthorThanks for sharing your experience! It's been 2 business days so far (Thursday would make 3). I'll try to be patient for a couple more days.
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Alina Rosenthal
It's so incredibly stressful waiting for disability payments when you have bills coming due! I remember refreshing my bank app like 20 times a day when I was waiting for mine. For what it's worth, my payments always took exactly 3 business days after the authorization date. If you're concerned about making rent, maybe talk to your landlord now and explain the situation - most are understanding about disability delays if you communicate in advance.
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Jasmine Hernandez
AuthorThat's good advice about talking to my landlord proactively. And yes, I'm definitely in the refresh-my-banking-app-constantly phase! Glad to hear 3 days seems to be the norm.
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Finnegan Gunn
If you're getting worried or it's been more than 5 business days, I'd recommend trying to call EDD directly to check if there's any issue. When I had a payment delay, it turned out there was a flag on my account I didn't know about. I struggled for days to get through on the phone lines until I found a service called Claimyr (claimyr.com) that helped me get through to an actual EDD representative quickly. They have a demo video that shows how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd The rep was able to see exactly what was happening with my payment and resolve the issue right away. Saved me weeks of waiting and stressing.
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Jasmine Hernandez
AuthorOh, I hadn't heard of that service. If I don't see the money by Monday I'll definitely need to call them. Thanks for the tip!
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Miguel Harvey
Is that service legit? I've been trying to reach EDD for 2 weeks about my claim issue.
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Finnegan Gunn
@profile4 Yes, it's legitimate. I was skeptical too but was desperate after trying to call for days. They basically navigate the phone system and wait on hold for you, then call you when they have a rep on the line. Saved me hours of frustration.
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Alina Rosenthal
My first payment took 4 business days, but all the other ones came in 2-3 days like clockwork. The first one might take longer because they're setting everything up. If Monday comes and you still don't have it, definitely call. The EDD system is so frustrating sometimes!
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Jasmine Hernandez
AuthorUPDATE: The money just hit my account this morning! Took exactly 3 business days as many of you said. Such a relief! Thanks everyone for your help and reassurance.
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Luis Johnson
awesome!! glad it worked out
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CosmicCrusader
So happy to hear it came through! I know exactly how stressful that waiting period is. Now you know what to expect for future payments - should be much smoother going forward.
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