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EDD direct deposit timing with US Bank - switched payment method and status shows paid

I finally got my claim approved last week after what felt like FOREVER and I switched my payment method from the stupid Money Network card to direct deposit with US Bank. My EDD account is showing 'PAID' as of yesterday morning but nothing has hit my bank account yet. This is my first time using direct deposit for unemployment benefits and I'm getting anxious because rent is due soon. For those who use direct deposit with US Bank specifically, how long does it usually take for the money to show up after EDD says 'paid'? Is it different for the first payment vs regular certifications? I've heard different things and just want to know what to expect.

Kendrick Webb

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it depends. first payments r always slower, mine takes 2 biz days with us bank after status flips to paid

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Norman Fraser

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Thanks for the quick reply! So I might need to wait until Thursday then since it switched to paid on Monday morning. Hope it's not any longer than that.

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Hattie Carson

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The first direct deposit after switching from Money Network typically takes 3-5 business days with most banks, including US Bank. Subsequent payments are usually faster (1-3 business days). The timing depends on when EDD initiates the transfer and your bank's processing schedule. If your payment status changed to "paid" yesterday morning, I'd expect it to hit your account by Thursday or Friday at the latest. Make sure your US Bank account information was entered correctly in UI Online. One wrong digit can cause significant delays or even have the payment returned to EDD.

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Norman Fraser

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Thank you for the detailed info! I triple-checked my account info when I entered it, so hopefully that's all good. I just wasn't prepared for the wait after seeing "paid" - the Money Network card usually loaded almost immediately after status changed.

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I've had US Bank for 3 years with EDD payments and it's ALWAYS inconsistent!! Sometimes it's literally the next day after it says paid, other times it takes like 3-4 days for no apparent reason. The first one after switching definitely takes the longest though. And EDD never tells you this stuff upfront which is so frustrating!!

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Dyllan Nantx

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Same with Wells Fargo! One time I got it same day as the status change, then next time it took 4 days. Makes budgeting a nightmare.

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EXACTLY! How are we supposed to plan when we don't know if we'll have money tomorrow or next week? The EDD system is so broken.

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I had same issue last month when i switched to direct deposit. The money showed "paid" but took almost a WEEK to hit my usbank account!! Apparently first direct deposit takes longer because they do some kind of verification thing. After that first one, mine has been coming 1-2 days after it says paid. Just hang tight, it'll come eventually.

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Norman Fraser

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A WEEK?? Omg that's terrible... I really hope mine doesn't take that long. Did EDD or US Bank give you any explanation for why it took so long?

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nope! called EDD and they just said "it's processing" and US Bank said they didn't see any pending deposits. then it randomly showed up. the system is trash honestly

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Anna Xian

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Listen, I went through this exact situation in February. The first direct deposit will typically take 3-5 business days, but here's what you need to know - if you're stressed about reaching EDD to confirm everything is processed correctly, use Claimyr (claimyr.com). I was panicking when my first direct deposit was delayed and couldn't get through on the regular EDD lines. Claimyr got me connected to an EDD rep in about 20 minutes who confirmed my payment was processing normally and gave me peace of mind. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km But honestly, as long as you entered your banking info correctly and see "paid" in your account, you should be fine - just need to wait a few days for that first one.

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Norman Fraser

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Thanks for the tip about Claimyr. If it doesn't show up by Friday I might look into that. It's stressful not being able to talk to anyone at EDD directly to confirm everything's okay.

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Important information many people don't know: The first direct deposit after switching payment methods undergoes additional verification that can add 2-3 business days to processing time. This is a fraud prevention measure implemented in 2024. While your UI Online shows "paid," the actual ACH transfer to your bank may still be in this verification queue. This only affects the first payment after changing payment methods. For regular certifications with an established direct deposit, US Bank typically receives funds within 24-48 hours after the paid status appears. However, when the payment crosses over a weekend, expect delays. If your status changed to paid on Monday morning, I would expect the deposit Thursday at the latest under normal circumstances.

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Norman Fraser

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Thank you! This explains so much. I wish EDD would tell us these things upfront instead of leaving us guessing. I'll plan for Thursday then and try not to stress until Friday.

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Exactly - the lack of clear communication from EDD causes unnecessary stress. Once this first payment processes successfully, subsequent deposits will be much more predictable. If you don't see the deposit by Friday morning, then it would be appropriate to contact EDD to confirm there are no issues with your banking information.

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Dyllan Nantx

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my roomate has US Bank and says his EDD money is always there 2 days after it says paid but i think the first one took longer dont stress

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Norman Fraser

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Thanks for checking with your roommate! Seems like the consensus is the first one takes longer but then it gets more consistent.

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Did your money come through yet? I'm in a similar situation and getting nervous...

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Norman Fraser

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Not yet! Today is day 3 since it changed to paid. Based on everyone's comments, I'm giving it until tomorrow before I really start to worry. I'll update once it hits my account!

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Norman Fraser

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UPDATE: The money just hit my US Bank account this morning! So it took exactly 3 business days from when the status changed to paid. Thanks everyone for your help and reassurance!

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Hattie Carson

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Great news! And now you know what to expect for future payments. Remember that subsequent direct deposits should be faster now that the initial verification is complete.

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Thanks for updating! That makes me feel better about mine too.

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