EDD payment timeline after certifying - same day deposit possible?
So I'm about to certify for UI benefits for the first time today (Sunday). I'm really confused about when the money will actually hit my account. Some people told me it takes 24 hours, others said 3 days. I set up direct deposit when I first applied last month, but I'm not sure if that speeds things up or not. Does anyone know if I certify today (around noon), will I get paid tonight or tomorrow? I've got rent due on Tuesday and I'm cutting it SUPER close this month.
18 comments
Sean O'Brien
it depends on ur bank mostly. edd usually processes same day or next day if u certify on sunday morning. but then ur bank might hold it 1-3 days. i certify at midnight when it opens and usually see $$ by monday night with wells fargo.
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Anastasia Smirnova
•Thanks! So certifying early in the day might help? I have Chase if that matters.
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Zara Shah
The EDD processing timeline is pretty consistent. When you certify on Sunday, EDD typically processes it overnight Sunday into Monday, assuming there are no issues with your certification (like reporting earnings or answering 'yes' to questions that trigger a review). With direct deposit: - EDD processes overnight Sunday/Monday - Payment shows as 'paid' in UI Online usually by Monday morning - Fund transfer to your bank initiates Monday - Most banks deposit 24-48 hours after that So realistically, you're looking at Tuesday or Wednesday for the funds to be available in your account. Chase sometimes holds deposits for a full business day.
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Anastasia Smirnova
•Ugh, cutting it close then for my rent! Do you know if there's ANY way to speed it up? Would calling them help?
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Luca Bianchi
I ALWAYS have problems with the timing!! Even when my UI Online says PAID on Monday morning, my stupid bank doesn't show the money until THURSDAY sometimes!!! It's ridiculous how they can hold OUR MONEY for days when we need it NOW. I've been on unemployment since January and I swear the system is designed to make us suffer.
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GalacticGuardian
•same. its like they dont understand ppl need the money for BILLS that have DEADLINES
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Nia Harris
If you're in a rush for your payment, you might want to look into using Claimyr to reach an EDD agent quickly (claimyr.com). I was in a similar situation last month where my payment was stuck in pending and I needed it ASAP for bills. Used their service and got connected to an agent in under 15 minutes who fixed my issue. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km As for your original question, direct deposit timeline: - Certify Sunday - Shows 'paid' in system Monday (sometimes late Sunday night) - Most banks deposit Tuesday-Wednesday - Some credit unions are faster One tip: certify at midnight when the system first allows it. This puts you at the front of the processing queue.
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Anastasia Smirnova
•Thanks for the tip about Claimyr! I might need to try that if the money doesn't hit my account by Tuesday. And good advice about certifying at midnight - I'll definitely do that next time.
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Mateo Gonzalez
Hey there! Just wanted to share my payment timeline experience. I certify every other Sunday around 7am and my payment consistently follows this pattern: - Sunday: Certify in morning - Monday: Status changes to "Paid" in UI Online around 10am - Tuesday: Money deposited to my bank account (Bank of America) by noon It's been super consistent for me over the past 5 months. The first payment took longer though - almost a week because they were verifying everything. But after that, it's been clockwork. Also, make absolute sure you answer all certification questions correctly. If you make a mistake or something seems off to their system, it can trigger a manual review that delays payment by days or even weeks!
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Anastasia Smirnova
•That's really helpful - thanks! I'm hoping mine is as reliable as yours. Did your first payment take longer even with direct deposit?
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Aisha Ali
does anybody know if we get paid early if theres a holiday coming up? next Monday is a holiday so wondering if that changes anything for payments this week
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Zara Shah
•Holidays actually tend to delay payments by a day since banks don't process ACH transfers on federal holidays. So if you normally get paid on Monday and it's a holiday, expect it Tuesday instead.
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Sean O'Brien
btw chase bank is usually pretty fast with edd deposits. my roomate has chase and gets his money like 24hrs after it says paid in the system
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Anastasia Smirnova
•That's good to hear! Fingers crossed mine comes quickly too.
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GalacticGuardian
its not really about when u certify its about when edd decides to pay lol. sometimes they make u wait for no reason. i certified at exactly 12:01am two weeks ago and still didnt get paid till wednesday so 🤷♂️
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Luca Bianchi
•THIS!!!! The system is designed to make us wait and suffer! They hold our money hostage and there's NOTHING we can do about it!
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Zara Shah
One clarification - some people confuse the EDD Money Network debit card with direct deposit. They're different payment methods. The Money Network card payments typically process slightly faster since it's EDD's own system. If you set up direct deposit when you first applied, double-check your UI Online account under "Payment Methods" to confirm it shows your bank account information correctly. If there's any issue with your direct deposit information, EDD will default to sending funds to a Money Network card, which would need to be mailed to you (taking 7-10 business days).
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Anastasia Smirnova
•Just checked and you're right - my account shows direct deposit is set up correctly. Would have been a disaster if it wasn't! Thanks for the heads up.
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