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I've been receiving EDD payments through direct deposit for about 5 months now, and I can confirm what others have said about BofA being pretty reliable! Your 36-hour timeline for the first payment sounds exactly right. What I've noticed is that once EDD processes your certification and shows "paid," they typically send the ACH transfer to banks within 4-6 hours, but then each bank has its own posting schedule. BofA usually processes government deposits during their overnight cycle, so if EDD shows "paid" on Tuesday afternoon, you'll likely see it Wednesday morning. The first payment always takes a bit longer because they verify your account details, but after that it becomes very consistent. One thing that helped me a lot was downloading the BofA mobile app and turning on push notifications for deposits - that way I know the second it hits instead of constantly checking. Also, for future reference, EDD payments usually post earlier in the week than later, so Monday-Wednesday "paid" dates typically result in faster deposit times than Thursday-Friday. Glad you got your first payment sorted out!
This is such comprehensive information, thank you! The timeline you laid out about EDD sending ACH transfers within 4-6 hours and then banks processing overnight makes so much sense. I never realized there was a difference in timing based on what day of the week it shows "paid" - that's really good to know for future planning. I already downloaded the BofA app and set up those push notifications after reading everyone's suggestions, and you're right that it's so much better than constantly refreshing! It's really reassuring to hear from someone with 5 months of experience that the consistency gets much better after that first verification payment. Thanks for breaking down the whole process so clearly!
Just wanted to add my experience for anyone else reading this thread - I've been getting EDD direct deposits for about 7 months now and the timing has been incredibly consistent once you get past that first payment. With most major banks like BofA, Chase, Wells Fargo, etc., you can expect 24-48 hours from "paid" status to funds in your account. The first payment often takes 48-72 hours while they verify everything, but after that it becomes very predictable. One thing I wish someone had told me early on is that EDD processes payments in the early morning hours (usually between 2-5 AM Pacific), so if your payment shows "paid" late in the day, it might not actually get sent to your bank until the next morning's batch. This can add an extra day to the timeline. Also, weekends don't count as business days, so Friday "paid" dates usually mean Monday deposits. Setting up mobile banking alerts for deposits over $1 is a game changer - you'll know the instant it hits without having to constantly check your balance!
I just joined this community and this thread has been incredibly helpful! I've been dealing with a similar 2021 disqualification situation and had no idea about the distinction between different types of disqualifications. Like so many others here, I've been stressed about potential repayment for years without really understanding what my case actually meant. The explanations about Section 1253 vs Section 1257(b) and the real experiences people shared (especially Sofia's follow-up calls and StarSailor actually serving penalty weeks) give me hope that my situation might not be as bad as I feared. I never received an overpayment notice either, so based on what I'm learning here, I might just need to serve penalty weeks if I ever file again rather than repay money. It's frustrating that EDD doesn't explain these distinctions clearly, but this community seems like exactly what I needed to finally understand the system. Thanks to everyone for sharing actual experiences rather than just guessing - it's made all the difference in helping me figure out my next steps!
Welcome to the community, Yara! I'm also relatively new here and this thread has been a game-changer for understanding EDD disqualifications. It's amazing how many of us have been in similar situations - carrying years of stress about potential repayment when we might have just been dealing with standard penalty weeks all along. What really helped me was seeing Sofia's thorough approach of calling multiple times to confirm the information, and then seeing real examples like StarSailor who actually went through serving the penalty weeks. It gives you concrete proof of how this actually works rather than just theoretical explanations. The section number breakdown that several members provided is gold - I had no idea these distinctions even existed. Like you, I never got an overpayment notice, which based on everything I've learned here seems to be a good indicator. Definitely worth calling EDD to confirm your specific situation like Sofia did. This community has been so much more helpful than trying to decode EDD's confusing official information alone!
This thread has been absolutely invaluable! I'm new to this community and have been dealing with my own EDD confusion from a 2021 disqualification. Like so many others here, I've been carrying the stress of potentially owing thousands in repayment without really understanding what my situation actually meant. The distinction between Section 1253 (standard disqualifications - just serve penalty weeks) and Section 1257(b) (false statement penalties - repay + penalty weeks) is information I wish I'd had years ago! It's incredibly frustrating that EDD doesn't make these differences clear in their communications. I never received an overpayment notice either, so based on everything I'm learning here, I'm cautiously optimistic that I might just need to serve penalty weeks rather than repay money. Sofia, thank you for being so thorough with your follow-up calls and updates - seeing someone actually go through the process of getting confirmation from multiple EDD reps is exactly what I needed to see. And to everyone who shared their real experiences rather than speculation, this is the kind of practical information that makes this community so valuable. I'm definitely going to call EDD myself now to get clarity on my specific situation!
I filed my EDD claim on my last day of work about 3 months ago and had no problems at all. The system is definitely designed to handle this situation. Since your final paycheck has already been processed and deposited, you have everything you need to file accurately on 9/23. One thing I'd recommend is keeping your termination/layoff paperwork from HR nearby while you fill out the application - sometimes they ask for specific details about your separation that are easier to answer when you have the official documentation right there. Also, make sure to include any accrued vacation or PTO payout in your final week earnings when the system asks about it. The most important thing is just being precise with your last day worked (9/23) and wage information. Whether you file on 9/23 or 9/24 won't affect your benefit start date since it's calculated from the Sunday of that week anyway. You sound well-prepared, so I'd say go ahead and file on 9/23 if you're ready!
This is really helpful advice, especially about keeping the termination paperwork handy while filling out the application! I hadn't thought about needing those specific separation details, but that makes total sense. It sounds like being thorough and having all documentation organized upfront is really the key to a smooth process. Based on all the advice in this thread, I'm feeling much more confident about filing on 9/23. Thanks to everyone for sharing your experiences - this has been incredibly reassuring for someone going through this for the first time!
I just went through this exact process about 4 months ago when my company did unexpected layoffs. I filed on my actual last day of work and everything processed smoothly without any complications. Since your HR team has already processed your final paycheck and it's hit your account, you're in a really good position to file accurately on 9/23. The EDD application will specifically ask for your "last day worked" regardless of when you actually submit the claim, so just make sure you enter 9/23 correctly in that field. Having your final pay stub accessible while completing the application is super helpful for accurately reporting your final week's earnings, including any vacation or PTO payouts. One practical tip that saved me stress later - take screenshots of each page as you complete the application, especially the employment dates and wage information sections. I ended up needing to reference some of those details during my first certification period, and having that record made everything much easier. Your benefit year calculation starts from the Sunday of the week you file anyway, so there's really no advantage to waiting until 9/24. Since you're being proactive about getting organized and you have all your documentation ready, I'd say go ahead and file on 9/23. The accuracy of your information matters way more than the exact timing of submission. You've got this!
That's awesome news @Anna Xian! Thanks for updating us - it's really helpful to know that mentioning the "Benefits Transition Unit" actually works. I'm bookmarking this thread for future reference. Hope you get your payments sorted quickly and can catch up on those bills!
So glad to hear you got it resolved @Anna Xian! This whole thread has been super educational - I had no idea there was a specific Benefits Transition Unit. Really appreciate everyone sharing their experiences and tips. It's crazy how much we have to figure out on our own when dealing with EDD, but at least we have communities like this to help each other out!
This is such a relief to read! I'm actually going through the exact same situation right now - just finished PFL for bonding with my newborn and filed for UI last week. My weeks have been pending for 5 days and I was starting to panic. Definitely calling tomorrow and asking specifically for the Benefits Transition Unit. Thanks @Anna Xian for following up with the resolution and @Rajan Walker for that super helpful tip about the dedicated team!
QuantumQuester
Hey everyone! I'm new to this community but unfortunately dealing with the exact same frustrating situation. Got laid off from my graphic design position last week and when I tried to file for unemployment benefits, I got hit with that same confusing "You Do Not Need to Reapply" message. My last claim was also from way back in 2021 during the pandemic. Reading through all of your experiences has been incredibly helpful - it's both frustrating and reassuring to know this is such a widespread issue with old pandemic claims still causing system glitches in 2025. It's honestly ridiculous that EDD hasn't fixed this by now! I'm definitely going to try the early morning calling strategy that several people mentioned. I've already gathered my old EDD customer account number from an email, taken screenshots of the error message, and have all my employment details ready. If I can't get through after a reasonable number of attempts, I'll look into that Claimyr service as a backup option. Thanks to everyone who shared their experiences and practical tips here - this thread has been way more helpful than anything I could find on the official EDD website. Hopefully I'll have a success story to share soon too!
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Sophia Miller
•Welcome to the community @QuantumQuester! You're definitely in good company - it seems like everyone who had a pandemic-era claim is running into this exact same frustrating glitch. Based on all the success stories shared here, you're totally on the right track with your preparation. Having those screenshots, your old account number, and employment details organized beforehand seems to make a huge difference in how quickly the rep can resolve things once you get through. I'd definitely recommend starting with the 8 AM calling strategy since so many people here had success with that approach. The persistence really seems to pay off - even if it takes 15-20 attempts, that's still way better than being stuck in limbo with a broken online system. It's crazy that EDD still hasn't fixed this widespread issue after 4 years, but at least we know there's a clear solution once you reach the right person. Fingers crossed you get through quickly and can get your claim sorted out! Looking forward to hearing your success story soon.
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Ana Erdoğan
I'm dealing with this exact same issue right now! Just got laid off from my marketing coordinator position yesterday and when I tried to file online today, I got that same "You Do Not Need to Reapply" message. My last unemployment claim was also from 2021 during the pandemic. This thread has been a lifesaver - I had no idea this was such a common issue with old pandemic claims still showing as "active" in their system. It's absolutely ridiculous that EDD hasn't fixed this glitch after 4+ years, but at least now I know what I'm dealing with. I'm going to try calling tomorrow morning right at 8 AM with all my documentation ready: screenshots of the error, my old EDD account number, and employment details. If that doesn't work after multiple attempts, I'll definitely look into the Claimyr service that several people here recommended. Thanks to everyone who shared their experiences and solutions - this community has been way more helpful than any official EDD resource I could find! Hopefully I'll have my own success story to add soon.
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Liam Sullivan
•Welcome to the community @Ana Erdoğan! You're definitely not alone - it's crazy how many of us are dealing with this exact same pandemic claim glitch. I'm also new here but have been following this thread closely since I'm in a similar situation. The preparation strategy everyone's mentioned seems really solid - having those screenshots, old account info, and employment details ready definitely appears to make the process smoother once you get through to a rep. The 8 AM calling approach has worked for so many people here that it seems like the best first step. It's honestly mind-blowing that EDD still hasn't automated a fix for something this widespread. You'd think after thousands of people running into the same issue, they'd have found a way to properly close those old pandemic claims in bulk. But at least we have this community sharing real solutions! Good luck with your calls tomorrow - I'm planning to try the same strategy myself. Hopefully we'll both have success stories to share soon!
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