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I've been dealing with EDD Money Network transfers for about 8 months now and wanted to share some additional insights that might help you and others in similar situations. First, regarding timing - I've found that transfers initiated before 2 PM Pacific Time on business days tend to process faster than those started later in the day. It seems like Money Network processes transfers in batches, so getting in that earlier batch can sometimes save you a few hours. Second, if you're really cutting it close with rent timing, consider asking your landlord if they'd accept a partial payment now (using ATM withdrawal cash) with the remainder coming in a day or two once your transfer clears. Many landlords are understanding about unemployment situations, especially if you communicate proactively rather than just being late. Also, a heads up for future payments - Money Network sometimes does maintenance on their system late Sunday nights/early Monday mornings, which can delay transfers initiated during those times. I learned this the hard way when a transfer I thought I'd started on Sunday night didn't actually go through until Tuesday. One last tip: if you end up doing regular bi-weekly transfers like most of us, set up calendar reminders for yourself. I transfer every other Friday morning right after I get the payment notification, so I never have to stress about timing again. Sounds like you're handling this situation really well though - electronic transfer plus ATM backup is exactly the right approach!
Wow, this is incredibly helpful! The tip about initiating transfers before 2 PM Pacific Time is something I hadn't heard before - I'll definitely keep that in mind for future payments. And you're absolutely right about communicating with landlords proactively. I actually just texted mine to give them a heads up about the timing situation, and they were totally understanding. The maintenance window info is super valuable too - I would have been panicking if I tried to start a transfer during that time and it didn't go through right away. Really appreciate all these detailed tips from someone with so much experience with the system! This community has been such a lifesaver for navigating all this EDD stuff.
Just wanted to chime in as someone who's been through this exact situation multiple times! The Money Network to Chase transfer process is actually pretty reliable once you understand how it works. A few key points based on my experience: - 2-3 business days is the standard timeframe (weekends don't count) - You MUST initiate from the Money Network side - Chase can't pull the funds - The mobile app is your friend for tracking transfer status - ATM withdrawal as backup is smart, even with the $3 fee Since you have 5 days and are starting the transfer today, you should be fine! But definitely do the ATM withdrawal backup plan that others suggested. I've found that Chase ATMs often have higher daily limits too, so you can get more cash in fewer transactions. One thing I'd add - if this becomes a regular thing (bi-weekly EDD payments), consider setting up automatic transfers through Money Network. It saves you from having to remember to do it manually each time and eliminates the timing stress. You've got this! The system works, it's just a matter of knowing the process. Sounds like you're all set with a solid backup plan too.
This is all such great advice! As someone brand new to the EDD system, I had no idea about any of this stuff before today. The automatic transfer setup sounds like a game-changer for future payments - I'll definitely look into that once this first transfer goes through successfully. It's really reassuring to hear from so many people that the 2-3 business day timeframe is reliable. I was worried it might be one of those things where they say 2-3 days but it actually takes a week! I've already got my transfer started and plan to hit the ATM later today for backup cash. Thanks for confirming that Chase ATMs have higher limits - that'll definitely help. This whole thread has been incredibly helpful for a newcomer like me!
I've been getting EDD payments to Bank of America for about 8 months now, and I can confirm what others are saying about the first payment taking longer. Mine took almost 4 business days the very first time, but now my regular payments usually hit within 24-48 hours after showing paid. One thing I learned that might help - if you have the BofA mobile app, go to "Manage Alerts" in settings and set up a custom alert for deposits over $100 (or whatever amount your payment is). That way you'll get notified immediately when it hits, even if it's at like 3 AM. Also, EDD typically processes their batch payments overnight Monday through Friday, so weekend "paid" status usually means you won't see the deposit until Tuesday at the earliest. The system is slow but it's reliable - your money will definitely come through!
This is super helpful, especially knowing that first payments can take up to 4 days! I was starting to worry something was wrong, but it sounds like that's totally normal. Just set up that custom deposit alert you mentioned - great tip about setting it for the specific payment amount. And good point about weekend timing - since mine showed paid yesterday I'm probably looking at Tuesday/Wednesday realistically. It's so reassuring to hear from someone who's been through this process for 8 months that the system really is reliable, just slow. Thanks for sharing your experience! @Luca Conti
I'm going through the exact same thing right now! My payment just showed as "paid" this morning and I'm also using Bank of America for direct deposit. Reading through everyone's experiences here is really reassuring - sounds like 2-3 business days is pretty standard for first payments. I love all the practical tips people shared, especially about setting up the BofA deposit alerts and checking the Account Activity section online instead of just the mobile app. Going to try calling that automated BofA line someone mentioned too. It's nerve-wracking when you're waiting for that first payment and have bills coming up, but it sounds like the system really does work, just takes some patience. Thanks everyone for sharing your timelines - this thread is incredibly helpful for us newcomers to the EDD process!
Great question @Pedro Sawyer! I actually asked my EDD rep about this exact scenario when I was deciding between filing new vs reopening. She told me that if you file a new claim and it gets denied, you CAN still go back and reopen your previous claim as long as you're still within the benefit year and haven't exhausted the balance. However, there might be additional delays while they process the reopening request after the denial. She emphasized that this is why it's so important to speak with a rep first - they can review your work history and earnings to assess whether your new claim is likely to be approved before you make the leap. In my case, since I had clear separation documentation from my employer and sufficient earnings in my base period, she was confident the new claim would go through. The rep also mentioned that some people try to hedge their bets by reopening first to get immediate payments, then filing a new claim later, but this can create complications and isn't recommended. Better to make one informed decision upfront based on your specific situation and financial needs.
This is really reassuring to know @Zoe Kyriakidou! Thanks for sharing what your EDD rep told you about being able to go back to the old claim if the new one gets denied. That definitely takes away some of the anxiety about making the "wrong" choice. The part about not trying to hedge bets by reopening first then filing new is especially good to know - I can see how that would create a mess in their system. It sounds like the consensus from everyone's experiences is really to get that EDD rep consultation first before doing anything, even if it means using a service like Claimyr to actually get through to someone.
Just wanted to add my experience since I went through this exact situation last month! I was laid off in March after only 3 months at a new job, and like many of you, I was torn between reopening my old claim vs filing new. What helped me decide was actually logging into UI Online first and checking my claim summary - it showed my remaining balance ($2,800) and my current weekly benefit amount ($340). Then I calculated what my new job earnings would potentially give me using the EDD benefit calculator online (roughly $425/week based on my higher salary). The math made it pretty clear that filing new was worth it despite the processing delay. I used the early morning calling strategy (started dialing at 7:58am) and got through on my 4th attempt. The rep confirmed my calculations and helped me file the new claim right over the phone. One tip that saved me time: have all your employment documentation ready before you call - last day worked, reason for separation, gross wages for each quarter, etc. The rep was able to process everything in about 25 minutes because I had all the info handy. My new claim was approved in exactly 2 weeks and I started receiving the higher payments. Definitely worth speaking with a rep first, but don't be afraid to file new if the numbers clearly favor it!
@Andre Dupont This is super helpful! I really appreciate you sharing the specific steps and timeline. The tip about having all employment documentation ready before calling is gold - I can imagine how much that sped up the process. Your experience with getting through at 7:58am on the 4th attempt gives me hope that the early morning strategy actually works. And getting approved in exactly 2 weeks is encouraging compared to some of the longer delays others mentioned. Did you have any issues during the 2-week processing period, or was it pretty smooth once you filed? I m'hoping my new claim goes as smoothly as yours did!
I'm so glad everything worked out for you! This thread is really helpful for understanding EDD payment timing. I'm new to the system and was wondering - when you reported those part-time hours, did it reduce your payment amount or just delay it? I might have some freelance work coming up and want to know what to expect when I report those earnings. Also, does anyone know if the delay is longer the first time you report earnings vs. subsequent times?
Great questions! When you report part-time earnings, EDD uses a formula to calculate your partial benefits - basically they subtract a portion of what you earned from your weekly benefit amount (not dollar for dollar though, there's usually some earnings you can keep). The delay seems to happen because their system has to do these calculations instead of just issuing your full weekly amount. From what I've seen in this community, the first time you report earnings it might take an extra day or two, but once the system has processed earnings for you before, subsequent times are usually faster. Just make sure to report everything accurately - even small amounts of freelance work - because they will eventually find out and it's better to be upfront!
Thanks for posting this - it's so helpful to see the whole journey from panic to resolution! I'm dealing with a similar situation right now where my UI Online shows 'Qualification' and 'Auto Payment' but no money in my account yet (it's been about 18 hours). Reading through all these responses really helps calm my nerves. The part about reporting earnings causing delays makes total sense - I also had some gig work hours to report this certification period. It's crazy how stressful the EDD system can be when you're relying on these payments for basic expenses like rent. Definitely bookmarking this thread for future reference!
I'm in almost the exact same boat! Just certified yesterday and have the 'Qualification'/'Auto Payment' status but nothing in my account yet. Like you, I also had some gig work to report this period (about 8 hours of DoorDash), so reading everyone's explanations about earnings causing processing delays is really reassuring. It's so nerve-wracking when you're depending on that money - I've been checking my bank account every hour! This thread is definitely a lifesaver for understanding what's normal vs. when to actually worry. Fingers crossed both our payments show up soon!
Sean Kelly
OK, here's what I've learned after dealing with this for 3 months: 1. Keep trying the website at odd hours. Like 2 AM or 6 AM. 2. If you get an error, screenshot it and note the time/date. 3. Call right when they open (usually 8 AM) and be prepared to redial for an hour. 4. If you get through, explain the online errors. They might be able to override. 5. Check your spam folder for emails from them. 6. Make sure all your info matches exactly what's on your W-2. 7. If all else fails, try the claimyr service someone mentioned or contact your state rep. Hang in there, it's a nightmare but you'll get through eventually!
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Zara Malik
•This is gold 💯 Saving this for later, thx!
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Luca Greco
•Wish I had this info months ago. You're the real MVP 🏆
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Heather Tyson
I'm dealing with the same exact issue! The website crashes every single time I try to submit my claim. I've been unemployed for 2 weeks now and still can't get through the system. Has anyone tried filing by mail as a backup option? I'm wondering if that might be more reliable than the online portal right now. Also, does anyone know if there are specific browser requirements that might help? I've tried Chrome and Safari with no luck.
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Ezra Collins
•Hey @Heather Tyson! I haven't tried filing by mail yet, but that might actually be worth looking into as a backup. For browsers, I've heard some people have better luck with Firefox or even Internet Explorer/Edge - apparently the site was built with older tech. Also, try disabling any ad blockers or browser extensions that might interfere. The system seems super finicky about anything that could block scripts or cookies. Let me know if you find a solution that works!
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Kolton Murphy
•@Heather Tyson I actually had success filing by mail when the online system kept failing me! It takes longer to process like (2-3 weeks vs online which is supposed to be faster ,)but at least you know your claim got submitted. You can download the paper forms from the EDD website - look for DE "1101i form." Make sure to send it certified mail so you have proof they received it. As for browsers, I ve'also heard Edge works better sometimes because the EDD site seems to be optimized for older Microsoft tech. Good luck!
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