EDD direct deposit timeline - how long after payment shows 'paid' to hit bank account?
I finally got approved for UI benefits last week after waiting forever, and immediately set up direct deposit through the UI Online portal. Yesterday my account shows my first certification was processed and says 'paid' with today's date, but nothing has shown up in my checking account yet. For those who use direct deposit, how long does it typically take between when EDD shows payment as 'paid' and when the money actually hits your bank account? Is it usually same-day, next business day, or longer? I've got rent due soon and trying to plan accordingly!
17 comments
Miguel Alvarez
Generally, it takes 24-48 hours after EDD shows "paid" status for the direct deposit to reach your bank account. This depends on your bank's processing time. Some banks make funds available immediately, while others might hold it for a day or two. If you set up direct deposit recently, the first payment might take slightly longer as the system verifies your banking information. If you don't see it by the third business day, you should contact EDD to make sure there wasn't an issue with your banking details.
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CyberSiren
•Thank you! That's a relief. My bank usually processes direct deposits pretty quickly so I'm hoping it shows up tomorrow morning. It's my first payment so maybe that's why it's taking a bit longer.
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Zainab Yusuf
mine always comes the next day after it says paid!! never had a problem with direct deposit
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Connor O'Reilly
My experience has been TERRIBLE with EDD direct deposit! They claimed my payment was issued but it took 6 DAYS to hit my account!!! And when I called they just told me to "wait" and wouldn't give me any real answers. My friend got her money in 24 hours with the same bank so something is definitely wrong with their system. MAKE SURE you triple check your account numbers when you enter them because one wrong digit and your money disappears into the void!!!
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Yara Khoury
•That's odd, I've never had it take longer than 48 hours. Does your bank normally hold deposits? Some banks have different policies for government payments versus regular direct deposits. Wells Fargo holds mine for exactly 24 hours every time, not a minute less.
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Keisha Taylor
congrats on getting approved! waiting is the worst part lol
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StardustSeeker
For direct deposit, my experience has been consistent: if EDD shows payment as "paid" on Monday-Thursday, funds appear in my bank account the next business day. If it shows "paid" on Friday, the money typically posts to my account on Monday (unless there's a holiday). One thing to note - make sure that your direct deposit information is entered correctly. I've seen cases where people transposed digits in their account numbers, and this caused significant delays. You can verify your account info under the "Profile" section of UI Online. Also, if you're switching from the Money Network card to direct deposit, sometimes there's a transition period where one last payment might go to the card before all future payments go to your bank account.
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CyberSiren
•Thanks! I double-checked my account info and it's all correct. I certified on Sunday and it shows paid as of Tuesday (today), so hopefully it'll appear tomorrow morning. I wasn't on the Money Network card before - this is my first payment ever from EDD.
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Paolo Marino
banks all different. mine takes 3 days every time. brother gets his in 1 day. same edd but different banks lol. which bank u have?
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CyberSiren
•I have BofA. It usually processes my paycheck direct deposits the same day they're sent, so I'm hoping EDD works the same way!
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Yara Khoury
If you're really worried about timing for your rent, you might want to try using Claimyr to reach an EDD rep directly. I couldn't get through to EDD for days using the regular number - always got the "too many callers" message. Claimyr got me connected to a live agent in about 20 minutes. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. The agent was able to tell me exactly when my deposit would hit and explained why there was a delay with my first payment. Saved me a ton of stress since I also had rent coming due.
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Zainab Yusuf
•does this actually work?? i hate calling edd, always busy
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Connor O'Reilly
Wait I just had a thought... are u using the same bank account that u have registered with the franchise tax board? My cousin said his got delayed because EDD cross-checked with FTB and the accounts didn't match and they had to verify his identity AGAIN even though he already did the whole ID.me thing!!
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Miguel Alvarez
•This isn't accurate. EDD doesn't automatically cross-check your bank account with the Franchise Tax Board. While EDD may conduct identity verification when you first set up direct deposit, they don't regularly compare banking information with FTB. Once your direct deposit is set up successfully, payments should process normally regardless of what account you use for tax refunds.
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Keisha Taylor
my payment hit literally while i was sleeping lol checked at midnight nothing there woke up at 7am and boom money in account like magic
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StardustSeeker
Just to follow up on this thread: if your direct deposit doesn't arrive within 3 business days after showing "paid" in UI Online, you should take these steps: 1. Verify your account information is correct in UI Online 2. Contact your bank to see if they're holding the deposit 3. Call EDD to confirm the payment was properly processed to your account In most cases, it's just a timing issue, but occasionally there can be a technical problem that needs addressing. It's better to be proactive rather than waiting too long and missing your rent deadline.
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CyberSiren
•Update: The money hit my account this morning! Took about 36 hours from when it showed 'paid' in the system. Thanks everyone for your help!
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