EDD Direct Deposit setup missing - can't find where to enter my bank info

The direct deposit option should be available in your UI Online account under 'Payment Preferences' or 'Payment Methods.' Log in to your UI Online account, go to the homepage, and look for a section about payment options. If you're not seeing it, make sure you're looking at the desktop version of the site - sometimes the mobile view hides certain features.

EDD has been ROLLING OUT the direct deposit option in PHASES and not everyone has it available yet!!!! My neighbor got it 2 months ago but my account STILL doesn't have the option. When I called they said I was "in a later phase" whatever that means. Just more government inefficiency making us wait. Can't even implement a basic banking feature properly. 🙄

You actually need to verify your identity through ID.me first before the direct deposit option shows up. I was confused about this too! Once you complete the ID verification, wait 24-48 hours, then log back in and the payment preferences section should appear. At least that's how it worked for me back in January.

The direct deposit option is definitely available now but there are a few requirements before it shows up in your account: 1. Your claim must be fully approved (not just filed) 2. Your identity must be verified through ID.me 3. You need to have certified for at least one week 4. Sometimes you need to have received at least one payment on the Money Network card first It sounds like you might not have certified for any weeks yet, or perhaps your first payment hasn't processed. Once those steps are complete, you should see a "Payment Method" option under the "Payment Preferences" section when you log in.

I had this same issue last month!! For me the direct deposit section just randomly appeared after my first payment went to the card. Kind of annoying but at least you can switch it eventually

If you're in a hurry to get this resolved, I'd recommend using Claimyr to get through to an EDD representative. I was having the same issue with direct deposit not showing up, spent days trying to call with no luck. Used Claimyr (claimyr.com) and got connected to an agent in about 20 minutes who fixed it right away - apparently there was a flag on my account that needed to be removed. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km

One more thing to note: When the direct deposit option does appear, make sure you have your bank account and routing numbers ready, along with a copy of a voided check or bank statement. EDD will require verification of the account details, and you'll need to confirm the amounts of two small test deposits they'll make to your account. The whole process takes about 3-5 business days from start to finish.

my cousin said they still using the cards for the first payment no matter what, then u can switch after. kinda stupid if u ask me

Based on what everyone's saying, it sounds like you need to: 1) Complete ID verification, 2) Have an approved claim, 3) Certify for at least one week, and 4) Possibly receive your first payment on the card before the direct deposit option appears. The system isn't very intuitive, but once you get it set up, it works pretty well. I've been getting direct deposit for about 6 months now and it's much better than dealing with the card.

I went through this exact same frustration a few months ago! The direct deposit option won't show up until you've completed your first certification and EDD has processed at least one payment. It's really counterintuitive because you'd think they'd let you set it up beforehand, but that's just how their system works unfortunately. Once you certify this weekend and your payment gets approved, check back in your UI Online account in about 3-4 days - the "Payment Method" section should finally appear under your account settings. The good news is once it's set up, future payments go straight to your bank account within 1-2 business days instead of waiting for the card to arrive in the mail.

I just went through this same issue last month! The direct deposit option is tied to your certification schedule - it literally won't appear until after you've certified for your first week and EDD has processed that payment. It's frustrating because logically you'd want to set it up beforehand, but their system requires you to have at least one active payment cycle before unlocking the direct deposit feature. After you certify this Sunday, give it about 3-5 business days for the payment to process, then check your UI Online account again. You should see a "Payment Preferences" or "Payment Method" section appear in your account dashboard. Just make sure you have your bank routing and account numbers ready - they'll do micro deposits to verify your account which takes another 2-3 days to complete.

I had the exact same problem when I first got approved! The direct deposit option is essentially "hidden" until you meet certain requirements. From my experience, you need to: 1) Have your claim fully approved (which you do), 2) Complete ID verification through ID.me, 3) Certify for at least one week, and 4) Have EDD process your first payment. The system won't show the "Payment Method" section until after your first certification is processed. I know it's backwards logic - you'd think they'd let you set it up right away - but that's just how EDD's system works. After you certify this weekend, wait about 3-5 business days for processing, then log back into UI Online and you should finally see the payment preferences option appear. Make sure to have your bank routing and account numbers ready because they'll need to verify your account with small test deposits.

I'm dealing with this exact same issue right now! Just got approved for benefits this week and have been searching everywhere in UI Online for the direct deposit setup. It's so frustrating that they don't make this more obvious or let you set it up right when your claim gets approved. Based on what everyone is saying here, it sounds like I'll need to wait until after I certify for my first week before the option even appears. Has anyone had success calling EDD directly to get this set up early, or do we really have to wait for that first payment cycle? I'm hoping to avoid the Money Network card entirely if possible.

I had this exact same frustration when I first got approved! The direct deposit option is essentially locked until you complete your first certification cycle. Here's what worked for me: 1) Make sure your ID.me verification is 100% complete (you can check this in your account profile), 2) Certify for your first week this Sunday, 3) Wait 3-5 business days for EDD to process that payment, 4) Log back into UI Online and look for "Payment Method" or "Payment Preferences" - it should finally appear after your first payment processes. I know it's backwards that you can't set it up beforehand, but that's just how their system works. The good news is once you get it configured, direct deposit is much faster than waiting for the card! Pro tip: have your bank routing/account numbers and a voided check ready because they'll need to verify your account with micro deposits before fully activating it.