EDD Direct Deposit to Chime delayed after switching from Money Network - payment shows 'paid' but no deposit yet

The first direct deposit after switching payment methods almost ALWAYS takes a little longer. When I switched from Money Network to my credit union account last year, the first payment took about 3 business days longer than usual. After that initial delay, my payments started coming in consistently earlier than they ever did with the card. Give it until Thursday before you really start to worry. If nothing shows up by then, you should call EDD to make sure they have your correct account info.

I've had Chime for my EDD direct deposits since January and they ALWAYS show up 1-2 days earlier than when I had my credit union. BUT the first deposit took like 4-5 days to process. EDD systems are super old and switching payment methods triggers some kind of manual review I think. After your first one hits Chime though, it'll be super consistent. Hang in there!!

DONT PANIC!!! I swtched from MN card to Wells Fargo direct deposit last month and my first payment took 5 WHOLE DAYS to hit my account!!! I was going crazy thinking my money was gone forever lol. But after that first delay, everything went back to normal the next certification. The EDD system is from like 1985 or something ridiculous, its a miracle anything works at all tbh.

If you're worried about your direct deposit information being correct, you can check it by logging into UI Online, going to 'Profile', then 'Payment Method', and it should show the last 4 digits of your account number. If those match your Chime account, your information is in the system correctly. As others have mentioned, the first payment after switching typically takes longer to process - it's an internal verification procedure. According to EDD guidelines, direct deposits should post within 24-48 hours after showing 'paid' status, but the first one can take up to 5-7 business days due to additional security protocols.

i had this EXACT problem!! switched from money network to my online bank (not chime but similar) and was freaking out when it didnt show up. ended up calling edd 42 times before getting through and they said everything was fine, just had to wait. money showed up 4 days later. suuuuuper stressful but now my deposits come like clockwork

just wondering but why did u switch from money network?? i've had no problems with it and im afraid of changing anything with edd cause it always seems to create problems lol

Just to update you all - my deposit finally hit my Chime account this morning! It took exactly 6 business days from when my UI Online status changed to 'paid.' Thanks everyone for the reassurance and for sharing your experiences. For anyone switching payment methods in the future, definitely plan for a delay with that first payment!

This is such a common issue when switching payment methods with EDD! I went through the same stress when I switched from my old bank to a new one last year. The wait is agonizing when you have bills due, but it's totally normal for that first payment to take longer. One thing that helped me was setting up low balance alerts on my old payment method (Money Network in your case) just in case there was any mix-up and the payment went there instead. Also, make sure to keep an eye on your UI Online account to see if the payment status changes at all. The fact that it shows 'paid' is a good sign - your money is in the system, it's just taking the scenic route to your new account!

I'm going through this exact same situation right now! Switched from Money Network to my Bank of America account last Friday, certified Sunday, shows 'paid' on UI Online but still no deposit as of Wednesday morning. Reading through all these comments is making me feel so much better - I was starting to think I messed something up with my routing number or something. It's crazy that EDD's system is so outdated that switching payment methods causes this much delay, but at least it seems to be totally normal. Going to wait until Friday before I start really worrying. Thanks everyone for sharing your experiences, this thread is exactly what I needed to see!

I just wanted to chime in (no pun intended!) as someone who works in banking - this delay is 100% normal and expected when switching from a prepaid card to direct deposit. What's happening behind the scenes is that EDD has to verify your new banking information through the Automated Clearing House (ACH) system, which includes making sure the account is valid and can receive deposits. This verification process typically adds 3-7 business days to your first payment. Once that initial verification is complete, your future payments should actually arrive faster than they did with Money Network since direct deposits generally process quicker than prepaid cards. The good news is that your payment showing as 'paid' means EDD has already debited the funds from their account - your money is definitely on its way, it's just stuck in the verification pipeline. Hang tight!

I switched from Money Network to Chase about 6 months ago and went through this exact same panic! The first payment took a full week to show up, and I was calling Chase daily thinking something was wrong. Turns out it's just how EDD processes new direct deposit accounts - they basically treat it like you're a brand new claimant for that first payment. The ironic thing is that after that initial delay, my Chase deposits now come in Sunday night instead of Monday morning like the Money Network card used to. So even though this wait is stressful, you'll probably end up getting your money faster in the long run. Just make sure you have enough buffer for bills during this transition period - lesson I learned the hard way!

I went through this exact same thing when I switched from Money Network to my local credit union last summer! The anxiety is so real when you're waiting for that first deposit after making the change. Mine took 5 business days to finally show up, and I was checking my account obsessively every few hours. What really helped me was calling my bank directly (not EDD) to confirm they hadn't received any pending deposits - at least that way I knew the delay was on EDD's end and not because of some issue with my account. The good news is that once that first payment finally hits, all your future deposits will be so much more reliable and faster than Money Network ever was. I actually get my payments a day earlier now than I used to with the card. Hang in there - your money is definitely coming, it's just taking the long way around through EDD's ancient system!

I'm currently going through this exact same situation right now! Switched from Money Network to my Navy Federal account 3 days ago, certified yesterday, shows 'paid' on UI Online but no deposit yet. Reading through all these experiences has been such a huge relief - I was convinced I had somehow entered my routing number wrong or something. It's honestly ridiculous that in 2025 we're still dealing with these delays because of EDD's ancient systems, but knowing it's completely normal makes the anxiety so much more manageable. Planning to wait until early next week before I start really panicking. Thanks to everyone who shared their timelines and experiences - this thread is exactly what people in our situation need to see! It's wild how many of us go through this same stress when switching payment methods.

I'm dealing with this EXACT situation right now and this thread has been a lifesaver! Switched from Money Network to my Wells Fargo account on Monday, certified Tuesday, showing 'paid' status since Wednesday morning but still no deposit as of today (Friday). I was literally losing sleep thinking I messed up my account info somehow. It's honestly insane that EDD's system is so outdated that switching payment methods triggers this kind of delay, but reading everyone's experiences makes it clear this is just the unfortunate reality we have to deal with. The consistency of everyone reporting 4-7 business days for that first deposit is actually really comforting. I'm going to give it until early next week before I start making phone calls. Thanks to everyone who shared their timelines - knowing this is totally normal saves so much anxiety! Can't wait to join the club of people who get their deposits faster than Money Network once this verification nightmare is over.

I'm currently on day 5 of waiting for my first direct deposit to my Capital One account after switching from Money Network, and this thread has been such a godsend! I was literally up at 3am last night checking my account balance for the hundredth time, convinced I had somehow screwed up my routing number. It's absolutely wild that in 2025 we're still dealing with these delays because EDD is running on technology that's probably older than some of the people receiving benefits! But seeing everyone's consistent experiences of 4-7 business days for that first deposit is incredibly reassuring. What's really frustrating is that there's zero communication from EDD about this delay when you make the switch - they should have a big flashing warning that says "EXPECT YOUR FIRST DEPOSIT TO TAKE UP TO A WEEK LONGER." Would save so many people from this unnecessary stress! Thanks to everyone who shared their timelines and came back with updates. This community is honestly more helpful than EDD's customer service could ever be. Planning to wait until Monday before I start calling around, but at least now I know this anxiety-inducing wait is completely normal. Can't wait to join the club of people getting faster deposits once this verification process is finally done!

I'm literally going through this exact same nightmare right now! Switched from Money Network to my PNC account last Thursday, certified on Sunday, shows 'paid' since Monday but it's now Saturday and still nothing. I've been refreshing my banking app like a maniac every hour thinking maybe I fat-fingered my account number or something. This thread has honestly saved my sanity - I had no idea this delay was so common when switching payment methods. It's absolutely ridiculous that EDD doesn't warn you about this when you make the change. Like, a simple "Hey, your first deposit might take up to a week longer" would prevent so much unnecessary panic! I'm on day 6 now so hopefully it shows up early next week. Thanks to everyone sharing their experiences - knowing I'm not alone in this stress-inducing waiting game makes it so much more bearable. Can't wait to finally get that first deposit and join the club of people who get their money faster than Money Network!

I can't change direct deposit to Chime on CA EDD

I went through this same exact stress when I switched from Money Network to my local bank last fall! The first deposit took 8 business days and I was absolutely convinced something had gone wrong. What helped me was understanding that EDD essentially treats your first direct deposit like you're a completely new claimant - they have to verify everything from scratch even though you've been getting benefits for months. The "paid" status just means they've processed it on their end, but then it goes into this verification limbo with the ACH system. I actually called my bank on day 6 and they confirmed no pending deposits were coming, which at least told me the delay was 100% on EDD's side. Once that first payment finally hit though, every deposit after has been faster and more reliable than Money Network ever was. Hang tight - your money is definitely in the pipeline, just taking the scenic route through EDD's ancient systems!