Direct deposit taking 5+ days while EDD debit card was next-day - bank dependent?

Direct deposit typically takes 1-3 business days after the payment shows as 'paid' in UI Online. The first payment after switching to direct deposit often takes longer since the system is processing your bank details for the first time. I'm with Chase and usually get mine in 2 business days. Keep in mind that weekends and holidays don't count as business days, so if you certified on Friday, it might not arrive until Wednesday or Thursday.

mine takes 24 hrs with credit union. big banks r always slower, switch 2 a credit union & you'll get it faster

Just to add some context here - the EDD payment system first sends the funds through ACH transfer which can vary in processing time depending on your financial institution. The Money Network debit cards are faster because funds are loaded directly onto the card within the EDD's closed system. I've noticed patterns with different banks: - Credit unions: 1-2 business days - Online banks (Ally, Chime): 1-2 business days - Major banks (Wells Fargo, BofA, Chase): 2-4 business days Also, if this is your first direct deposit payment, there's often a verification period that adds 1-2 days. Subsequent payments should be faster. You can always switch back to the debit card through your UI Online account if direct deposit isn't working well for you.

I ABSOLUTELY HATE how EDD keeps changing systems without proper notice!!! I had the same issue when switching to direct deposit last month. My first payment took SIX DAYS to arrive!!! Called EDD and they said "it's normal" but how are we supposed to plan around this??? We have bills to pay!!! The system is designed to frustrate us, I swear.

Yes, after the first nightmare payment, the rest have been arriving in 2-3 days. Still not as fast as the debit card was though. EDD should have warned everyone about this!

If you need to reach EDD to ask about your payment status, I'd recommend using Claimyr (claimyr.com). I spent days trying to get through EDD's phone system with no luck, then found this service that gets you connected to an EDD rep quickly. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. Completely worth it when you're stressed about missing payments, especially with rent due.

I switched to direct deposit about 6 months ago and have been using it successfully since then. Here's what I've found: 1) The first payment does take longer (mine took 4 business days) 2) After that initial setup, my payments now arrive within 48 hours of showing 'paid' on UI Online 3) I'm with a credit union which seems to process ACH transfers faster than major banks One thing to check - make sure you entered your account and routing numbers correctly in UI Online. Even one digit wrong can cause delays or failed transfers. You can verify this under the 'Payment Methods' section of your UI Online account. If the information is correct, just be patient for this first payment, but the next ones should arrive more quickly.

I had something similar happen last year with my bank (BofA). The first direct deposit took almost a week, but then it was pretty regular after that. My brother has a different bank (US Bank) and his always come faster than mine do. Definitely seems bank-dependent. The card is honestly easier in some ways but I like having everything in one account.

Update: The money finally hit my account this morning - took exactly 6 business days from when I certified. Thanks everyone for the info and reassurance. Going to stick with direct deposit for now since it sounds like future payments should be faster, but definitely good to know about the credit union option!