When exactly do EDD SDI direct deposits hit bank accounts? Not at midnight?

it depends on ur bank honestly. mine always hits around 3-4pm with wells fargo. sometimes later like 5 or 6. never right at midnight tho

Mine ALWAYS posts between 11pm-1am the day after it shows paid on EDD portal. Never during business hours. I've been on SDI for 7 months and it's super consistent. But I'm with a credit union not a big bank, that might make a difference.

EDD SDI sends the payment information to banks the same day it shows as "paid" in your account, but each financial institution processes these deposits according to their own schedule. Some key points to know: 1. Most major banks (Chase, BofA, Wells Fargo) typically post disability payments between 3-6pm same day 2. Credit unions and smaller banks often process overnight, so funds appear the next morning 3. Some banks hold electronic deposits for 24 hours as policy 4. If it's a holiday or weekend, this can delay processing by 1-2 business days If your payment shows as "paid" on the EDD portal but doesn't arrive within 48 hours, you should contact your bank first to check if they see a pending deposit. If they don't, then you need to contact EDD to verify the correct account information is on file.

The same things happened to me EVERY TIME with my disability payments!!! EDD shows paid but nothing in my account until NEXT DAY even though other direct deposits hit my account right away. Its insane how they expect us to plan our bills when we dont even know when the money will show up!!!!

If you're worried about when your EDD SDI payment will be available, I've found that Claimyr can help you get through to an EDD agent who can give you the exact status of your payment and confirm the bank info they have on file. I used their service when my payment was delayed last month and they got me connected to EDD within 15 minutes when I'd been trying for days with no luck. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. The agent I spoke with confirmed my payment had been sent but gave me wrong routing info which is why it wasn't showing up. Saved me another week of waiting!

I've been on disability for 3 months now and here's what I've learned about payment timing: First payment took the longest - about 2-3 days from when it showed "paid" to actually being in my account. All subsequent payments have been more predictable. If you see it says "paid" today, you'll almost certainly have it by tomorrow morning at the latest, unless there's a banking holiday or weekend in between. One thing no one mentioned - did you check if your bank might be holding the funds? Sometimes the first electronic deposit from a new source gets a 24-hour hold automatically. Might be worth calling your bank directly to ask if they see a pending deposit.

just checkin in - did ur payment hit yet??

After reading all the comments, I'm really curious if anyone has noticed a difference between regular SDI payments vs PFL (Paid Family Leave) deposits? When I was on disability the payments always came late night, but now I'm on PFL and the timing seems different, more like mid-day. Anyone else notice this?

I'm new to disability benefits and this thread has been super helpful! I just submitted my first claim and I'm trying to understand the whole process. One thing I'm wondering - does the deposit timing stay consistent once you know your bank's pattern? Like if my first payment hits at 11pm, will all future payments come around the same time? Also, should I expect any delays during holidays or is EDD pretty good about processing payments on schedule even during holiday weeks?

I've been dealing with EDD disability payments for about 8 months now and wanted to share what I've learned about timing patterns. With my bank (US Bank), the payments consistently hit between 2-4am the day after showing "paid" on the portal. What really helped me was setting up mobile banking alerts specifically for ACH deposits over $100 - that way I get notified the moment it hits, even if it's the middle of the night. Also, pro tip: if you're ever unsure about timing, most banks can tell you if they see a pending ACH transaction from "EDD DISB" (that's how it shows up in their system) even before it posts to your available balance. This has saved me from panicking a few times when payments seemed delayed. The consistency is actually pretty reliable once you know your bank's processing schedule!

I've been on SDI for about 4 months now and have noticed some interesting patterns with deposit timing that might help others. With Bank of America, my payments consistently hit at exactly 5:23am the morning after showing "paid" - it's so precise I could set my alarm by it! One thing I discovered is that EDD actually sends the payment files to banks in batches throughout the day, not all at once. So even if multiple people see "paid" status at the same time, the actual bank processing can vary by hours. Also, if you're ever stressed about a delayed payment, try checking your account balance through an ATM instead of online banking - sometimes ATMs show updated balances before the mobile app or website updates. Has saved me from unnecessary panic attacks more than once!

I've been on disability for about 2 years now and wanted to add my experience with timing patterns since this thread has been so helpful! With Credit Union of Southern California, my SDI payments have been incredibly consistent - they always hit at exactly 12:47am the night after showing "paid" on the portal. What's interesting is that during my first few months, I noticed the timing would occasionally vary by 30-45 minutes, but now it's down to the exact minute almost every time. One thing I learned the hard way is that if you have multiple EDD payments in the same period (like if you're transitioning between SDI and PFL), they don't always process at the same time even though they might show "paid" on the same day. The newer claim type sometimes takes an extra day to establish the direct deposit pattern. Also, for anyone dealing with anxiety around payment timing like I was, I started keeping a simple notes app log of when payments hit - after about 6-8 payments you'll see a clear pattern emerge that makes planning so much easier!

This whole thread has been incredibly eye-opening! I'm about to start my first SDI claim next week and had no idea there was so much variation in deposit timing between banks. Reading everyone's experiences with the exact times (like 12:47am and 5:23am) really shows how precise these systems can be once established. I'm with Navy Federal Credit Union and now I'm curious to see what pattern emerges for me. The tips about mobile banking alerts, checking ATMs vs online banking, and keeping a payment log are all going straight into my notes. One question though - for those who've been on SDI for a while, do you notice any seasonal differences in processing times? Like do payments take longer during busy periods like tax season or end of year when banks might be processing more transactions overall?

This thread is so helpful for understanding EDD deposit timing! I'm currently waiting for my second SDI payment to process and it's good to know the timing becomes more predictable after the first few payments. Based on what everyone's shared, it seems like the key factors are: 1) Your specific bank's ACH processing schedule, 2) Whether it's your first payment (which might have delays), and 3) Avoiding panic by understanding your bank's consistent pattern. I'm with Capital One and my first payment took about 36 hours from "paid" status to actually hitting my account, so I'm hoping this next one will be faster. Really appreciate everyone sharing their exact timing experiences - it makes the waiting so much less stressful when you know what to expect!

I've been following this thread and wanted to share my experience with timing patterns since starting SDI about 5 months ago. I'm with Chase and my payments consistently hit between 4:15-4:30am the morning after showing "paid" on the portal. What I found really helpful was calling Chase during my first payment delay to ask about their specific ACH processing schedule. The rep told me they process government benefit deposits (including EDD) in their second overnight batch, which runs between 3:30-5:00am. This explained why my deposits were coming so early in the morning! For anyone still figuring out their timing, I'd recommend calling your bank to ask about their ACH processing schedule specifically for government benefits - it might give you a more precise window to expect your deposits rather than just waiting and wondering.

I've been on SDI for about 7 months now and wanted to add another data point to this amazing collection of timing experiences! I'm with Ally Bank (online bank) and my payments consistently hit at 6:45pm the same day it shows "paid" on the EDD portal. What's interesting is that as an online-only bank, they seem to process ACH deposits faster than traditional brick-and-mortar banks - I've never had to wait overnight like many of you describe. The timing has been so reliable that I actually schedule my bill payments for 7pm on my EDD payment days because I know the money will be there. One thing I'd add to all the great advice here is that online banks and credit unions often have different processing schedules than the big traditional banks, so if you're with a smaller or online-only institution, your pattern might be quite different from what others experience. Also, most online banks have really responsive customer service via chat if you need to check on pending deposits quickly!

I'm with Wells Fargo and have been on SDI for about 3 months now. My payments have been hitting consistently around 2:45am the morning after showing "paid" on the portal. What I've noticed is that the first payment took almost 48 hours to show up, but every payment since then has been super reliable with that early morning timing. One tip that helped me - I set up a text alert for any deposit over $50 so I get notified right when it hits, even in the middle of the night. That way I don't have to keep checking my account obsessively throughout the day wondering when it'll show up! For anyone just starting their disability claim, definitely give it a few payment cycles to establish the pattern before getting too worried about exact timing.

I've been on SDI for almost a year now and this thread perfectly captures the deposit timing experience! I'm with PNC Bank and my payments hit at exactly 1:23am every single time - it's become so predictable that my family jokes about it. What really helped me in the beginning was keeping a simple spreadsheet tracking: date EDD shows "paid", actual deposit date/time, and any delays. After about 4-5 payments, the pattern became crystal clear. One thing I haven't seen mentioned yet - if you're ever switching banks while on disability, make sure to update your direct deposit info at least 2 weeks before your next payment cycle. I learned this the hard way when I switched from PNC to a credit union mid-claim and my payment got sent to my old closed account. It took almost 10 days to get sorted out with EDD! Also, for those mentioning anxiety around payment timing - I totally get it. The financial stress when you're already dealing with health issues is real. But once you establish that reliable pattern with your bank, it becomes much less stressful. The consistency is actually pretty amazing once you get past those first few uncertain payments.