EDD payment authorized but not received - typical timeline?
Hi everyone, I just checked my UI Online account and saw my weekly certification was finally processed and shows 'payment authorized' as of yesterday morning. Super relieved after waiting so long, but now I'm wondering how much longer until the money actually hits my account? This is my first time collecting unemployment and I selected direct deposit when I applied. Is it usually a few days or could it take weeks? I've got rent due next Friday and really need this payment to come through. Anyone have recent experience with how long the wait is between 'authorized' and actually getting the money?
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KylieRose
For direct deposit, once your payment shows as 'authorized,' it generally takes 1-2 business days for the funds to appear in your bank account. Sometimes it can process overnight! If you're using the EDD Money Network debit card instead, it typically takes 2-3 business days for the funds to load onto your card after authorization. Since you mentioned this is your first payment, make sure your bank account details were entered correctly in the system. You can verify this in your UI Online account under 'Payment Methods.'
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Aaliyah Jackson
•Thank you! That's really helpful to know. I double-checked my bank info and everything looks correct. Fingers crossed it shows up tomorrow then!
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Miguel Hernández
Mine only took like 24 hrs to hit my acct after it said authorized. u should b good for rent.
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Sasha Ivanov
Be careful!!! Sometimes the EDD system says 'payment authorized' but then it gets stuck in 'pending' for WEEKS afterward!!!! I had this happen 3 times during my claim last year where it would show authorized then change back to pending with NO EXPLANATION. I had to call them like 50 times to fix it each time!!! Check your payment history tab too not just the main screen!!!!
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Aaliyah Jackson
•Oh no, that sounds awful! Now I'm worried... When I look in payment history it still says authorized. Is that a good sign or could it still change? This whole process is so confusing.
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KylieRose
•Don't panic - what the previous commenter described is unusual. While payment status can occasionally change from 'authorized' to 'pending' if there's an issue flagged in the system, it's quite rare. Most payments process normally within the timeframes I mentioned above. If your payment history shows 'authorized,' you're likely fine. The status would explicitly say 'pending' if there was a hold.
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Liam Murphy
When I filed last year I remember waiting almost a week for my first payment after it was authorized. Every payment after that came quicker though, usually 2 days. I think they do extra verification on the first payment or something. Good luck with your rent!
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Amara Okafor
The timeframe depends on both EDD processing and your bank's deposit policies. For direct deposit: - EDD typically processes the payment within 24-48 hours after authorization - Your bank may hold the deposit for an additional 1-2 business days - First-time payments sometimes take slightly longer due to initial verification processes Weekend and holiday processing times vary. If it's been more than 5 business days since authorization, that would be unusual and worth contacting EDD about. Your payment history in UI Online will update to show 'paid' once the money has been sent to your bank.
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Aaliyah Jackson
•This is super detailed, thank you! It authorized on Tuesday so based on what you're saying, I should probably see it by Friday? That would be perfect timing for my rent. I'm going to keep checking my account.
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Liam Murphy
i was on unemployment in 2021 and then again in 2024 and both times the first payment was the slowest but still came within a week. its weird how the system works sometimes huh
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CaptainAwesome
If you need to reach EDD to check on your payment status and can't get through on the phone, I recently discovered a service called Claimyr that helped me get through to an EDD rep in about 20 minutes when I was having issues with my claim. They basically navigate the EDD phone system for you and call you back when they have an agent on the line. Saved me days of frustration! Their website is claimyr.com and they have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. The rep I got confirmed my payment was processing correctly and gave me peace of mind.
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Yuki Tanaka
•does that actually work?? i always thought those services were scams. has anyone else tried this?
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Miguel Hernández
congrats on getting authorized! thats the hardest part tbh
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Yuki Tanaka
when i had direct deposit set up it usually took like 2 days after authorized but then i switched to the money network card and it takes 3-4 days for some reason? idk why the card is slower but it is
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Aaliyah Jackson
•Interesting - I chose direct deposit because I thought it would be faster! Sounds like that was the right choice. Thanks for sharing your experience.
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Amara Okafor
Just to update you - if your payment was authorized Tuesday, it should have hit your account by now or will arrive today (Friday). If you don't see it by Monday, there could be one of several issues: 1. Your bank information may be incorrect in the system 2. Your bank may have a hold on new direct deposits 3. There might be a verification flag on your claim If Monday comes and you still don't have your payment, call EDD first thing in the morning (8:00 AM) when their lines are least busy. Let us know if you need additional help!
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Aaliyah Jackson
•Great news - it just posted to my account this morning! Exactly as many of you predicted, it took about 2 business days after the authorization. Such a relief to have this before rent is due. Thanks everyone for all your help and advice!
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