How long for EDD SDI payment to appear on debit card after payment shows on website?
I've been checking my EDD SDI Online account obsessively and today it FINALLY shows I've been paid through 05/22/2025. The payment history section shows the money was issued, but my Bank of America EDD debit card still shows zero balance. Does anyone know how long it typically takes for the money to actually hit the card once the EDD website shows payment has been processed? This is my first disability claim and I've got rent due in 3 days... getting nervous here! TIA!
18 comments


Jasmine Hancock
It usually takes 24-48 hours for funds to appear on your BofA EDD card after the payment shows as processed on the SDI Online portal. First payments sometimes take a bit longer than subsequent ones. If this is your first payment, they might have sent you a new card that could still be in the mail - you won't see the funds until you activate the card. Have you received and activated your card yet?
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James Maki
•Thanks! Yes, I activated my card about 2 weeks ago when it arrived. I've been certifying properly but this is the first payment that's shown as processed. I'll try to be patient for another day or two then!
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Cole Roush
mine took 3 days last month... super annoying but it showed up eventually
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James Maki
•That helps to know! Did you get any kind of notification when it hit your card or did you just have to keep checking?
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Cole Roush
•no notification, had to keep checking the stupid app
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Scarlett Forster
If you've already waited more than 3 business days and the money hasn't appeared, I would recommend calling EDD directly. Sometimes there can be a technical glitch between their payment system and Bank of America. When I had a similar issue last year, I had to call them to resolve it. They found that my address had a typo which was causing the payment to be held up. Calling EDD directly is usually a nightmare though - busy signals and hours on hold. I discovered a service called Claimyr (claimyr.com) that got me through to an EDD representative in about 20 minutes instead of spending days trying. They have a video demo at https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd that shows how it works. It seriously saved me when I was in a similar payment delay situation.
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Arnav Bengali
•I used that service too!!! Totally worth it when ur desperate to talk to someone at EDD. I spent 4 days trying to get through on my own and kept getting hung up on after waiting on hold forever. So frustrating!!!
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James Maki
•Thank you for the suggestion! I'll give it until Friday (that'll be 3 business days) and then try calling if it hasn't shown up. I've heard horror stories about trying to reach EDD so I'll check out that service if I need to call.
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Sayid Hassan
This ALWAYS happens with EDD!!! The website says one thing but the money isn't there for DAYS sometimes. The whole system is broken. They expect us to survive while they take their sweet time processing everything. I had to borrow money from my parents last time because my rent was due and the payment was "processing" for A WEEK!!
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Rachel Tao
•actually the delay is usually with bank of america not edd. once edd shows payment processed its out of their hands. my payments always show up within 2 days max.
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Sayid Hassan
•Well LUCKY YOU!!! Not everyone has the same experience and some of us have had TERRIBLE delays that caused real problems!!
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Derek Olson
Have you checked if the payment might be going to a different card? My husband's disability claim got messed up because they sent the money to an old card from when he was on unemployment two years earlier. We had to call and have them reissue the payment to his new card. It was a whole thing with bank of america and edd each blaming the other. So frustrating.
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James Maki
•Oh wow, I didn't even think of that! I've never had any other EDD benefits before, so this should be my first and only card. But I'll double check that there's no confusion about where they're sending it. Thanks for that tip!
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Rachel Tao
dont worry it will come. my payments always hit my card a day or 2 after it shows on the website. sometimes if its a weekend it takes till monday. first payment took the longest like 3 days.
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James Maki
•Thanks for the reassurance! Today's only Wednesday so maybe I'm being impatient. I'll give it until Friday before I start really freaking out.
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Jasmine Hancock
Quick update check: Has the payment appeared on your card yet? If it's been more than 3 business days and still nothing, you should definitely contact EDD to make sure everything is properly set up with your Bank of America card.
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James Maki
•IT FINALLY ARRIVED! Checked this morning and the funds were there. Took about 36 hours from when the website updated. Thank you everyone for your help and advice!
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Rachel Tao
•awesome! glad it worked out. now you know for next time.
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