EDD payment delayed after changing direct deposit info - how long to process?

omg same thing happened to me i put in the wrong routing number lol. took about 4-5 business days i think

Typically when you update your bank information, EDD will process the change within 1-3 business days. However, if your payment was already processed before you made the change, it might have been sent to the old account information. In that case, it would be rejected by the bank and returned to EDD, who would then either reissue it to your new account or issue a physical check to your mailing address. I'd recommend checking your EDD account daily. If after 5 business days you don't see the money in your new account, call EDD directly to verify where your payment was sent and its current status.

Is the status showing "paid" or "paid - outstanding"?? Those are actually different!! If it says "paid - outstanding" that means there was a problem with your payment being deposited. If it just says "paid" then it MIGHT have gone to the wrong account and you'll need to wait for it to bounce back which can take up to 10 DAYS!!! I learned this the hard way!! 😫

i changed my info before and they just sent me a debit card instead. check your mail maybe theyll just do that

When I had a similar issue with my direct deposit info, I found it impossible to get any clear answers online. I eventually used Claimyr to get through to an EDD rep directly (claimyr.com) - they have a video demo showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km The rep I spoke with was able to check exactly where my payment was in the system and confirmed it was being redirected to my new account. Saved me days of anxiety. Much better than refreshing my bank account every hour!

The EDD system is GARBAGE with updating bank info!!!! I had this happen last year and it took THEM 2 WEEKS to figure it out!!!! And guess what? They NEVER notified me about ANYTHING!!! I had to call them EVERY SINGLE DAY until someone finally helped me!! The worst part is they can clearly see in their system when you update your info but they still make you wait!!!

Just to add some clarification here: If you changed your bank info AFTER your payment was already processed (status changed to "paid"), then it likely went to the incorrect account first. If the account doesn't exist, it will be rejected and returned to EDD within 2-3 business days. At that point, EDD will either reprocess it to your new account (3-5 additional business days) or mail a paper check (7-10 business days). If the incorrect account number you entered happens to be a valid account belonging to someone else (unlikely but possible), that's a more complicated situation that would require direct contact with EDD.

I work at a bank (not for EDD) and deal with this sort of thing regularly. Here's what happens: if the account number doesn't exist, the ACH transfer will reject automatically and return to sender (EDD). This typically takes 2-3 business days. Once EDD receives the rejected payment, they'll process it to your updated bank info, which takes another 2-3 business days. So you're looking at about 4-6 business days total from when the payment was first sent.

btw did u check if the payment went to ur old card maybe? when i first applied i got a money network card even tho i signed up for direct deposit

Just wanted to update you - I checked with a friend who works as an EDD contractor. She said that if you update your bank info and the status already says "paid," you should see the deposit within 7-10 business days total (including the time for the rejected payment to be returned and reprocessed). If you don't see it by then, definitely call EDD directly. Hope this helps ease your mind a bit!

Hey Daniel! I went through this exact same situation about 6 months ago. The good news is that since your bank confirmed the incorrect account number doesn't exist, you won't have to worry about your money going to someone else. In my case, it took exactly 5 business days from when the status showed "paid" to when I actually received the money in my correct account. The payment bounced back to EDD after 2 days, and then they reprocessed it to my updated bank info which took another 3 days. One thing that helped me was setting up account alerts with my bank so I'd get a text the moment any deposit hit my account - saved me from constantly checking! Also, if you're really stressed about rent, you might want to reach out to your landlord now and explain the situation. Most are understanding about unemployment payment delays, especially if you give them a heads up. Keep us posted on how it goes!

I had a very similar experience last year! Changed my bank info after noticing a typo in my account number, and the payment status showed "paid" but nothing appeared in my account. What ended up happening was exactly what others described - the payment bounced back after 3 business days since the account didn't exist, then EDD automatically reprocessed it to my correct account info. Total time was 6 business days from when it first showed "paid." The key thing is to NOT panic and start calling EDD immediately - give the automatic system time to work first. I made the mistake of calling on day 2 and wasted hours on hold for nothing. The automated bounce-back process actually works pretty well. Since you confirmed with your bank that the wrong account number doesn't exist, you're in the same boat I was in. Should definitely see your money within the next week. Just keep checking both your old and new account daily, and maybe call your landlord to give them a heads up about the potential delay.

Just wanted to chime in as someone who's been through this exact situation twice! The first time I panicked and called EDD on day 2, which was pointless since the automated system was already handling it. The second time I just waited it out and it resolved perfectly in 5 business days. Since your bank confirmed that account number doesn't exist, you're actually in the best possible scenario - no risk of it going to someone else's account. The ACH will automatically reject and bounce back to EDD, then they'll reprocess to your correct info. Pro tip: download your bank's mobile app if you haven't already and turn on push notifications for deposits. That way you'll know the second it hits without obsessively checking your balance! Also agree with others about calling your landlord now - most are pretty understanding about unemployment delays if you give them advance notice. You should be good within a week tops. Keep us updated!

Hey Daniel! I went through this exact same thing about 3 months ago - also accidentally put the wrong account number and didn't catch it until after my payment showed "paid." Since your bank confirmed that account number doesn't exist, you're actually in a good spot. The payment will bounce back automatically within 2-3 business days, then EDD will reprocess it to your corrected account info. In my case, the whole process took 6 business days from when it first showed "paid" to when I actually got the money. One thing that really helped my stress level was calling my landlord right away to explain the situation. Most landlords are pretty understanding about unemployment payment delays, especially when you give them advance notice and a realistic timeline. Since you're looking at about a week total, you might want to give them a heads up now. Also, definitely set up mobile banking alerts if you haven't already - saved me from checking my account balance every hour! The money will show up, just takes a bit longer when there's a bank info issue. Keep us posted on how it goes!

Just wanted to add my experience to help ease your mind! I had almost the identical situation about 8 months ago - wrong account number, payment showing "paid" but no money in my account. Since you confirmed with your bank that the incorrect account doesn't exist, you're definitely in the clear for it not going to someone else. In my case, it took exactly 5 business days total. The payment bounced back to EDD after 2 days, then they automatically reprocessed it to my updated account info which took another 3 days. No phone calls needed, no additional paperwork - the system handled it all automatically. The hardest part was just the waiting and not knowing! But based on everyone's experiences here, you should see your money by early next week. Hang in there!

I went through something very similar about a year ago! I had entered the wrong routing number initially and caught it right after my payment showed "paid." The anxiety was real because I needed that money for bills. What ended up happening was the payment bounced back to EDD after about 3 business days since the routing number was invalid, and then they automatically sent it to my corrected account info. The whole process took about a week from start to finish. One thing I learned is that EDD's system actually handles these bank info errors pretty automatically when the account doesn't exist - no need for manual intervention on their end. Since you confirmed with your bank that the wrong account number doesn't exist, you should be in good shape. The waiting is definitely nerve-wracking, but based on what I see from everyone else's experiences here, you should have your money within the next few business days. Hang in there!