EDD direct deposit to Bank of America - how long until payment hits my account?

congrats on getting paid! mine usually takes 1-2 business days to show up in my BofA acct after it says paid in the system. sometimes its next day sometimes it takes the full 2 days ive never seen it same day tho

For direct deposit, EDD typically processes payments within 24-48 hours after showing 'paid' in UI Online. Bank of America specifically can take an additional business day to post the deposit to your account after receiving it from EDD. So all told, you're typically looking at 2-3 business days from the 'paid' status until it's available in your account. Weekends and holidays don't count as business days, so keep that in mind. If you see 'paid' on a Friday, for example, you might not see the money until Tuesday or Wednesday.

My last claim took FOUR DAYS to hit my account after status changed to paid!!! And EDD kept saying it was the bank's fault while BofA said they hadn't received anything yet. SO FRUSTRATING dealing with this system!!!!

I had bofa too and mine was alwys there the next morning after it said paid

If you need to check on your payment status and can't get through to EDD on the phone (which happens ALL the time), I'd recommend trying Claimyr. They helped me get through to an actual EDD rep when my payment was delayed last month. Their system connects you directly with an agent instead of dealing with the busy signals and disconnects. I found them at claimyr.com and they have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. Super helpful when you need answers about payment timing.

When I was on unemployment last year my BofA deposits were usually showing up 2 business days after the payment was approved. I remember one time I checked my UI Online on Monday morning, saw it was paid, and the money was in my account Wednesday morning like clockwork. EDD processes everything in batches overnight from what I understand.

btw make sure u set up account alerts with bofa so u get a text when the deposit hits! thats what i do so i dont have to keep checking

One important thing to note: if this is your very first payment after establishing your claim, it can sometimes take 1-2 days longer than subsequent payments. This is because the banking information is being verified in the system for the first time. After that, the timeline should be more consistent. So don't panic if this first one takes 3-4 business days - future payments should be faster.

I've been dealing with EDD payments for about 6 months now and with Bank of America specifically, here's what I've noticed: Tuesday and Wednesday seem to be the most common days for deposits to hit, regardless of when the payment shows as "paid" in the system. I think this has to do with how EDD batches their ACH transfers. Also, if you're really tight on money for rent, you might want to call your landlord and give them a heads up that payment might be a day or two late - most are understanding about unemployment situations, especially if you communicate early. Hang in there!

I'm also dealing with my first EDD payment and Bank of America - this thread has been super helpful! One thing I wanted to add is that you can check your BofA account online or through their app to see if there are any pending deposits. Sometimes the money shows up as "pending" before it's actually available, which at least gives you confirmation that it's on the way. Also, if you're really stressed about timing, BofA customer service can sometimes see incoming ACH transfers in their system before they post to your account. Worth a call if you need peace of mind!

Hey everyone! Just wanted to share my experience since I went through this exact same situation a few months ago. My first EDD payment to Bank of America took exactly 3 business days from when it showed "paid" in UI Online. I was super anxious about it too because I had bills due, but it came through on Wednesday morning after showing paid on Friday. What really helped was downloading the BofA mobile app and turning on push notifications for deposits - that way I got an alert the moment it hit my account at like 6:30 AM. Also, pro tip: if you log into your BofA account online (not the app), sometimes you can see pending ACH transfers under the account activity section even before they officially post. Good luck with your payment Alice, it'll come through!

Just wanted to jump in as someone who's been on EDD for about a year now with Bank of America direct deposit. The timing really does vary, but here's what I've consistently seen: first payments almost always take the full 2-3 business days because of the initial verification process, but after that it's usually pretty predictable. One thing that helped me a lot was setting up a separate savings account at BofA specifically for my EDD payments - that way I could track exactly when deposits hit without it getting mixed up with other transactions. Also, if you're worried about rent timing in the future, many landlords will accept a screenshot of your UI Online showing "paid" status as proof that payment is coming, especially if you've been a good tenant. The EDD system is frustrating but it does work eventually. Hang in there!

I went through this same situation about 6 months ago with my first EDD payment to Bank of America. Mine took exactly 2 business days - I saw "paid" on a Tuesday morning and the money was in my account Thursday morning around 7 AM. What really helped me was calling BofA's automated phone line (the 24/7 one) and checking my account balance multiple times a day - sometimes deposits show up there before they appear in the mobile app. Also, if you're really stressed about rent timing, you can try calling your bank and asking if they can see any incoming ACH transfers in the system. They won't always tell you, but some customer service reps are helpful. The waiting is definitely nerve-wracking when you have bills due, but in my experience EDD payments to BofA are pretty reliable once they show as paid in the system. Good luck!

I'm in the exact same boat as you! Just had my first payment show as "paid" yesterday too and I'm using Bank of America for direct deposit. Reading through all these responses is making me feel so much better about the timeline. It sounds like 2-3 business days is pretty normal for the first payment, and I love all the tips people shared about setting up account alerts and checking the automated phone line. Going to try some of these tricks while I wait. It's nice to know there are others going through this process at the same time - we're all in this together! Fingers crossed both our payments hit soon 🤞

I just went through this exact situation last month with BofA! My first EDD payment took 3 full business days to hit my account after showing "paid" in UI Online. What helped me track it was logging into BofA online (not the app) and checking the "Account Activity" section - sometimes pending ACH deposits show up there first. Also, if you're really anxious about the timing, you can call BofA customer service and ask if they can see any incoming government deposits in their system. Some reps will tell you even if it hasn't posted yet. The first payment is always the longest wait because they're verifying your banking info, but after that it's usually much more consistent. Don't stress too much - it will come through!

I've been getting EDD payments to Bank of America for about 8 months now, and I can confirm what others are saying about the first payment taking longer. Mine took almost 4 business days the very first time, but now my regular payments usually hit within 24-48 hours after showing paid. One thing I learned that might help - if you have the BofA mobile app, go to "Manage Alerts" in settings and set up a custom alert for deposits over $100 (or whatever amount your payment is). That way you'll get notified immediately when it hits, even if it's at like 3 AM. Also, EDD typically processes their batch payments overnight Monday through Friday, so weekend "paid" status usually means you won't see the deposit until Tuesday at the earliest. The system is slow but it's reliable - your money will definitely come through!

I'm going through the exact same thing right now! My payment just showed as "paid" this morning and I'm also using Bank of America for direct deposit. Reading through everyone's experiences here is really reassuring - sounds like 2-3 business days is pretty standard for first payments. I love all the practical tips people shared, especially about setting up the BofA deposit alerts and checking the Account Activity section online instead of just the mobile app. Going to try calling that automated BofA line someone mentioned too. It's nerve-wracking when you're waiting for that first payment and have bills coming up, but it sounds like the system really does work, just takes some patience. Thanks everyone for sharing your timelines - this thread is incredibly helpful for us newcomers to the EDD process!