EDD Direct Deposit not showing up in bank account - 5 days and waiting

i switched to direct deposit last month and it took almost a full week teh first time. after that its been faster like 2-3 days. dont worry yet

The first direct deposit payment can take 5-7 business days to appear in your account as EDD needs to verify your banking information. This is normal and happens to most people. Subsequent payments are typically much faster (1-3 business days). If it doesn't arrive by next Tuesday, that's when you should start to worry. Make sure you don't have any unresolved identity verification issues in your account, as those can delay payments regardless of your payment method. Check your UI Online inbox for any notifications.

Did anyone tell you to contact your bank?? I had this EXACT problem in January and spent THREE HOURS waiting to talk to Chase only to find out they were holding my deposit for "security review" or something!!! They never even notified me! When I finally got through to someone they released it that same day. MIGHT be worth calling your bank just to check??

Direct deposit is normally reliable but sometimes the first payment is slow. I used to get my payments on Money Network card but switched to direct deposit last year. If you need to reach EDD to confirm they sent the payment, try Claimyr service (claimyr.com). They helped me get through to an EDD rep in about 20 minutes instead of calling for days. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. The agent can verify if your payment was actually sent to the correct account.

THE EDD SYSTEM IS BROKEN!!!! I had direct deposit set up since DAY ONE and they STILL sent me a stupid card for my first 3 payments!!! Then randomly started doing direct deposit with NO WARNING!!! NONE OF IT MAKES ANY SENSE and no one there knows what they're doing!!! DOCUMENT EVERYTHING and keep calling!!

lol same thing happend to me waited foreverrrr the first time then no problems after that

Let me clarify a few things about EDD direct deposit since there seems to be some confusion: 1. First direct deposit payments typically take 5-7 business days (not calendar days) as EDD performs a micro-deposit verification process with your bank. 2. Your banking information must go through their verification system before full payments are processed. 3. If you switch from Money Network card to direct deposit, there's often a transition period where one more payment might go to your card. 4. You can view exactly when the payment was sent in your payment history section of UI Online (look for the "Issue Date" which is different from your certification date). 5. For peace of mind, keep your Money Network card active even after switching to direct deposit, as emergency payments sometimes default back to the card. If Tuesday comes and you still don't have the deposit, then you should contact EDD.

my cousin works at bank of america and she told me edd direct deposits always show up between 12am-6am never during regular banking hours so if ur checking during the day u might miss it until next morning. just another thing to know

Quick update since we're on the topic - EDD has been working to improve their direct deposit system in 2025. They now send confirmation emails when deposits are initiated, which should help with tracking. Make sure your email contact information is updated in your UI Online account to receive these notifications.

UPDATE: The money finally hit my account this morning! So it took exactly 9 days from certification to deposit (or 6 business days from when it was marked 'paid'). Thanks everyone for your help and reassurance. For anyone else who switches to direct deposit, definitely plan for the first payment to take longer than they say on the website.

Congratulations on getting it sorted out! This is exactly why I always tell people to expect the first direct deposit to take longer than what EDD advertises. The 24-48 hour timeframe they mention on their website is really only accurate for subsequent payments once your banking info is fully verified in their system. For future reference, you can also check if your bank offers mobile alerts for incoming ACH transfers - that way you'll get notified as soon as the deposit hits, even if it's in the middle of the night like someone mentioned above.

Just wanted to add another data point - I switched to direct deposit about 6 months ago and my first payment took 8 business days to show up. I was freaking out too because like you, I had bills due! What helped me was setting up account alerts through my bank's app so I got a text the moment any deposit hit my account. Also, pro tip: even though your payment shows as "paid" in the EDD portal, that doesn't mean the money has actually left their system yet - there's usually a 1-2 day processing delay on their end before they even send it to your bank. The good news is that once you get past this first payment, the subsequent ones are much more predictable and usually arrive within 2-3 business days.

This thread has been really helpful for understanding the EDD direct deposit timeline! I just wanted to add that if anyone is still worried about their first direct deposit, you can actually call your bank's automated phone system and check for pending ACH deposits - sometimes they show up there before appearing in your online banking or mobile app. I learned this trick when I was waiting for my first payment and it gave me peace of mind knowing the deposit was actually on its way even though I couldn't see it yet. Also, make sure to keep checking your EDD account for any messages about banking verification - sometimes they send additional requests that can delay the process if you don't respond quickly.

I went through this exact same situation about 2 months ago when I first switched from the Money Network card to direct deposit. My payment showed "paid" on a Tuesday and I didn't see the money in my Wells Fargo account until the following Tuesday - so 7 full days. I was stressed because I had already made plans based on the "24-48 hours" timeline they advertise. What I learned is that they really should update their website to be more realistic about first-time direct deposit delays. The verification process they do behind the scenes takes way longer than they let on. But the good news is every payment after that has been super consistent - always hits my account within 2-3 business days max. Hang in there, your money is coming!

I'm going through this exact same thing right now! My payment was marked "paid" on Wednesday and it's now Saturday with nothing in my Bank of America account yet. Reading through all these comments has been incredibly helpful - I had no idea that the first direct deposit could take up to 7 business days while they verify everything. EDD's website really needs to be more upfront about this timeline instead of just saying "24-48 hours" which clearly doesn't apply to first-time setups. I'm going to try calling BofA's automated system like someone suggested to check for pending ACH deposits, and I'll definitely set up those mobile alerts for future payments. Thanks everyone for sharing your experiences - it's so much less stressful knowing this is completely normal!

I'm currently dealing with this same situation and this thread has been a lifesaver! My certification went through last Thursday and shows "paid" as of Monday, but still nothing in my account (using Credit Union). I was starting to panic because I've never used direct deposit with EDD before - only ever had the Money Network card. Based on everyone's experiences here, it sounds like I should expect to wait until at least Wednesday or Thursday of next week before getting worried. I had no clue about the verification process taking so long for the first payment. Really wish EDD would just be honest about the actual timeline instead of getting people's hopes up with that "24-48 hours" nonsense. Going to call my credit union tomorrow to check for pending ACH transfers and set up those mobile alerts. Thanks to everyone who shared their experiences - knowing this is normal makes the wait so much more bearable!