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Just to follow up - I wanted to clarify something important. The EDD processing time (24-48 hours after certification) and the bank transfer time are two separate steps. First, EDD processes your certification, which changes your status to 'paid' (this is what you're seeing now). Second, EDD initiates the electronic funds transfer to your bank account. Third, your bank needs to process that incoming transfer. Banks typically take 1-2 business days to process ACH transfers from EDD. Since your status already shows 'paid,' the EDD part is complete. Now you're just waiting for the bank processing time. With Wells Fargo, you should see it appear by Wednesday at the latest. If you need to be certain about timing for your rent, you might want to contact your bank directly to ask about their specific processing times for ACH deposits from government agencies.
Just to follow up on the in-person option - most EDD offices require appointments now. You can't just walk in anymore like in the old days. You need to call the main EDD number and request an in-person appointment, which kind of defeats the purpose if you can't get through on the phone. When I had this issue, I finally got through by calling at 8:01am on a Wednesday. For some reason mid-week seemed to have slightly lower call volume than Mondays or Fridays. The representative I spoke with confirmed this is a very common issue. Once they manually verify your identity and reset your account access, you'll receive an email with instructions for setting up a new password.
I remember when i had this problem the rep told me that even after they reset your account, you gotta wait like 24-48 hours before you can actually log in again. So don't panic if it doesn't work right away after they help you. Also make sure when you DO get back in that you update all your contact info right away. Sometimes they still have old phone numbers and emails from years ago which can cause MORE problems later.
While checking with your local post office is generally a good idea for missing mail, EDD Money Network cards are sent in unmarked envelopes for security reasons, so the post office wouldn't necessarily know they're holding an EDD card specifically. But it's still worth asking if they're holding any mail for your address.
Update: I called Money Network this morning and they confirmed my card was mailed on March 2nd as shown in my UI Online account. They said due to high volume, delivery can take up to 15 business days, which would be next Tuesday. The agent suggested waiting until then before requesting a replacement, since replacement cards take the same amount of time unless I pay for expedited shipping. I think I'll wait until Tuesday, and if it doesn't come, I'll use that Claimyr service to reach EDD directly to see if there's anything else that might be causing the delay. Thanks everyone for your help!
Just a note - don't forget to keep certifying every two weeks even while your claim is pending and switching to CTB. I made the mistake of thinking I should wait until my CTB was approved before certifying again, and it created a huge mess. Keep certifying on schedule no matter what!
One more thing to add - make sure you keep documentation of all your school enrollment paperwork, class schedule, and any communications with EDD about your training. If there's a delay in processing your CTB application and you get an eligibility interview, you'll need this documentation to show you're legitimately in school and eligible for continued benefits. Also, check your UI Online inbox frequently - EDD often sends requests for additional information there rather than by mail, and they give tight deadlines to respond.
Also remember that you need to still certify every two weeks on time even if they're taking money for the overpayment. Missing certifications will just create more problems!
I had this exact problem in 2024!! They ended up taking 25% of each payment but I called (took FOREVER to get through) and explained my situation with rent and kids and stuff and they reduced it to 15% for 6 months. So it's worth trying to negotiate but prepare for hell getting through to someone who can actually help. Make sure you have all your financial documents ready to prove hardship when you call.
dont forget id.me verification when u apply its a pain but required now
Thanks for the reminder! I've heard the ID.me verification can be glitchy. Any tips to make it go smoothly?
Based on your situation, I think you'll have a straightforward claim. The key things to remember are: 1. Apply immediately - benefits aren't retroactive before your filing date 2. Select "still employed with reduced hours" as your reason 3. Report ALL earnings during certification (even small amounts) 4. Complete the ID.me verification promptly 5. Be prepared for a possible eligibility interview 6. Keep detailed records of your hours reduction Your fitness studio employer may try to contest your claim, but as long as you're truthful about the situation, EDD will likely rule in your favor. This is a textbook case of partial unemployment.
Don't panic but these appointments are serious business. RESEA is specifically designed to identify potential fraud and eligibility issues. They select claimants based on various risk factors. I recommend: - Have ALL job search records ready with contact details - Be prepared to discuss why you left your last job in detail - Know your benefit amounts and recent certification dates - Be on time - lateness is often interpreted as non-cooperation If they find discrepancies in your job search records or suspect you're not meeting requirements, they can immediately flag your account for eligibility determination, which means benefits stop until investigated.
Wait, now I'm panicking again. Do they really select people based on "risk factors"? I've been completely honest on all my certifications!
That's not entirely accurate. RESEA is primarily a reemployment program, not a fraud detection program. While they do check eligibility, claimants are selected randomly or based on analytics suggesting they might benefit from additional services. It's not because you're suspected of anything improper. The previous commenter is making it sound more intimidating than it actually is.
I completed my RESEA interview two weeks ago. The experience was actually quite positive - the counselor helped me identify some skills I didn't realize were transferable to other industries. Here's what happened: 1. We went through my employment history 2. Reviewed my recent job search efforts (about 5-10 minutes) 3. She helped me refine my resume 4. We discussed industries I hadn't considered 5. She required me to complete a LinkedIn profile workshop The meeting lasted exactly one hour. She was helpful rather than looking to disqualify me. Make sure you're in a quiet place with good internet connection. My meeting got rescheduled once because of technical problems on their end.
That sounds really helpful actually. I could definitely use some guidance on my resume and job search. Did they follow up to make sure you completed the LinkedIn workshop?
WRONG! My cousin qualified for disabilty AND unempoyment at the same time when she quit her cashier job! EDD pays people all the time who quit. Its all about how u explain it to them!!
That's actually not possible. You cannot collect disability and unemployment simultaneously - they're mutually exclusive programs. Disability is for when you cannot work due to medical reasons, while unemployment requires you to certify you're able and available for work. Your cousin might have received one benefit and then switched to the other, but definitely not both simultaneously.
One more thing to consider: if you do quit and file for UI, be prepared for a potentially long wait while EDD investigates. Your employer will be asked to provide their side of the story, and then EDD will schedule an eligibility interview with you (which can take weeks to get). During this time, you won't receive any benefits. If you're eventually approved, you'll get backpay, but you need to be able to financially sustain yourself during the investigation period. And regardless of what happens, continue to certify for benefits every two weeks while your claim is pending. If you don't certify and later get approved, you won't receive payments for weeks you didn't certify.
btw after u send the appeal u can still certify for weeks! keep doing that even while waiting. if u win they'll pay all those weeks
Giovanni Mancini
btw my appeal took like 4 months to get a hearing date. they told me 6-8 weeks but that was totally wrong. just FYI so ur prepared for a long wait
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GalacticGuru
•Ugh, seriously? 4 months is insane! I was hoping it would be resolved before the holidays. This is so stressful.
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Dylan Cooper
•Mine took 3.5 months too. They're super backed up after covid. The wait is brutal.
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Fatima Al-Suwaidi
One more important detail: if you've missed several certification periods already, request retroactive certification when you get through to a specialist. You'll need to complete form DE 1475A for each missed certification period. The specialist should be able to help you with this - make sure to emphasize that you were unable to certify due to system limitations during your appeal, not because you forgot or chose not to certify.
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GalacticGuru
•Thank you! I hadn't heard about form DE 1475A. I'll definitely ask about that when I get through. I've missed 3 certification periods already because of this issue.
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