EDD direct deposit timing - how many days until payment shows in checking account?

EDD direct deposit typically takes 1-3 business days after your payment shows 'paid' in the UI Online portal. Since you just switched from Money Network, the first payment might take a bit longer while they verify your banking info. If your payment showed paid yesterday morning, I'd expect it to hit your account by tomorrow at the latest, unless it's your first payment after switching which could take up to 5 business days. Banks also process deposits differently - some make funds available immediately while others hold them for 24 hours.

mine took 4 days the first time then after that it was always next day if the edd payment hit before 3pm. after 3pm it would be 2 days

Adding to what others said, there's also a difference between when the payment shows as "paid" in the EDD system and when they actually initiate the ACH transfer. I've found that EDD often marks payments as paid in their system up to 24 hours before they actually send the transfer to your bank. So the typical timeline looks like: Day 1: Status changes to "paid" in UI Online Day 1-2: EDD initiates the actual bank transfer Day 2-4: Money appears in your account (depending on your bank's processing time) If your payment was showing paid yesterday morning, I'd expect it to hit your account tomorrow or Thursday at the latest. If Friday comes and you still don't see it, then I'd start investigating.

The EDD system is SO FRUSTRATING when it comes to these timing issues!!! I've been on unemployment twice and both times the money would show as "paid" but then take DAYS to actually appear in my account. My friend who also gets UI has a completely different experience and usually gets her money within hours of seeing the "paid" status. I think it depends on your bank AND what day of the week it processes. Weekends definitely slow things down.

If it doesn't show up by Friday, you should definitely call EDD to check if there was an issue with your account info. Sometimes people make a small typo in the routing or account number and then the payment gets rejected and returned to EDD. If you need to call them, I recommend using Claimyr (claimyr.com). I was in the exact same situation last month and couldn't get through on the regular number for days. Claimyr got me connected to an EDD rep in about 20 minutes who confirmed my bank info was entered correctly. There's a video showing how it works here: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. Totally worth it when you're stressing about rent money.

I have Bank of America and when I first set up direct deposit there was a PROBLEM because I accidentaly put my account number wrong! EDD tried to deposit it but it got returned. The status showed "paid" for TWO WEEKS before I finally called and they told me what happened. They had to re-issue the payment with the correct account info. So definitely double-check your account details in UI Online!!!!

One more thing to check - make sure your UI Online profile has your correct address that matches your bank account information. In some cases, EDD will delay direct deposits if there's an address mismatch between what's on file with them versus what's on file with your bank. This is an anti-fraud measure they implemented in 2023.

my brother works at a bank and he says that some banks put a hold on government payments especially first time ones because they get so many fraud attempts. maybe call your bank and ask if theres a hold?

UPDATE: The money just posted to my account this morning! So it took exactly 2 business days from when it showed as paid in the EDD system. Thanks everyone for your help and for calming my nerves. For anyone else reading this in the future - be patient with the first direct deposit, it does take a couple days but it works!