When do EDD SDI direct deposits actually hit bank accounts? Same day as payment date?

The official payment date is when EDD releases the funds, but when it actually shows up depends on your bank. Most major banks post the deposit within 24 hours of the payment date, but some can take 1-2 business days. Bank of America usually posts them around 2-3am on the payment date from my experience. Chase sometimes posts the day before in the evening.

I've been on SDI for 3 months (pregnancy disability) and my payments ALWAYS hit my account at exactly 12:01am on the payment date with Wells Fargo. It's super consistent - if EDD shows April 15th as your payment date, the money will be in your account when you wake up on April 15th. You should be good for your rent payment!

depends on ur bank tbh. my credit union takes forever, like 2-3 days after edd says payment date. super annoying

EDD can be sooooo frustrating with payments!!! I was on SDI last year for 4 months after surgery and the timing was NEVER consistent. Sometimes it would hit at midnight, sometimes not until 3pm, and once it was even a day late with NO explanation! The stress of not knowing exactly when money will arrive when you have bills due is THE WORST. The EDD system is broken!!!!!

If you need to reach EDD to check on a payment status or address any issues with your deposit timing, I recently discovered a service called Claimyr that gets you through to an actual EDD agent without the endless hold times. I was skeptical but it worked - got through in about 20 minutes instead of spending days trying. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd It was worth it when I had a payment that was showing issued but hadn't hit my account after 2 days. Turns out there was a small issue with my bank account number they needed to fix.

my brother was just on sdi and he said the money sometimes came at weird times during the day. like sometimes 3am sometimes 2pm. he has bofa if that helps

One important thing to know is that if your payment date falls on a weekend or holiday, it usually still processes on that date for direct deposit (unlike paper checks which would be delayed until the next business day). I've had payments hit my account on Saturdays with no delay. Good luck!

Just to make sure - you're on actual SDI disability, right? Not PFL (Paid Family Leave) or UI (Unemployment)? The payment schedules can be different for each program, so that might affect when deposits hit.

As a general rule, I've found that payments hit accounts early morning on the payment date for most major banks. But I also recommend setting up text/email alerts with your bank so you know exactly when the deposit hits. That way you don't have to keep checking your account.