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Social Security direct deposit missing from bank account - usually received early on 2nd Wednesday payment date

Has anyone else not gotten their SSA retirement payment for this month? I'm on the 2nd Wednesday schedule and normally my payment hits my bank account early (usually Saturday or Sunday morning before the official Wednesday payment date). It's Monday morning now and still nothing showing in my account. Getting worried since I have bills set to auto-pay tomorrow assuming the money would be there like usual. Is SSA running behind this month or should I be calling someone? This has never happened in the 3 years I've been collecting benefits.

Jamal Wilson

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Mine hasnt come either! I get mine the 2nd Wednesday to and its ALWAYS in by Sunday morning. Checked online banking 5 times today aready. nothing. my rent is due!!!

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So it's not just me then. Wonder if there's some kind of delay at SSA this month. Have you tried calling them?

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Mei Lin

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This happens occasionally, especially around holidays or at the beginning of the year when COLAs are being applied. The official payment date is still Wednesday, so technically they're not late yet. I'd wait until Wednesday afternoon before panicking. If you're concerned, you can check your MySocialSecurity account to verify the payment is scheduled.

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Jamal Wilson

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but its NEVER been this late before. My account online just says the same thing it always does. Doesn't tell me if payment is coming or not!!

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Liam Fitzgerald

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I've seen this happen when there's a bank holiday (like President's Day) that falls close to the normal deposit date. Some banks process the pre-deposits differently around holidays. Has your bank made any recent changes to their processing schedule? I'd give them a call first before contacting SSA since technically your payment isn't late until after Wednesday.

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I didn't think about the bank holiday angle. That's a good point. I'll check with my bank first thing tomorrow if it hasn't shown up by then.

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GalacticGuru

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I'm also on the 2nd Wednesday schedule and mine came through last night around 11pm. It might be worth checking if your direct deposit information is still correct in your MySocialSecurity account. There have been cases where banking information gets corrupted in their system, especially if your bank went through a merger or system update.

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I just logged into MySocialSecurity and everything looks correct. My banking info is unchanged. This is getting concerning - I really count on that payment being predictable.

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Amara Nnamani

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this happened to my mom last month. turns out SSA was doing a "payment review" whatever that means! They never even told her til she called. Took like 2 extra days to get the $.

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A payment review? That's concerning. I haven't received any notices about that. Did your mom have to do anything special to resolve it?

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Jamal Wilson

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JUST GOT MINE!!! Finally showed up! Check your accounts!!!

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Just checked - nothing for me yet. Really strange that you got yours but I'm still waiting. Maybe they're processing in batches?

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If you really need to reach someone at SSA, I'd recommend using Claimyr. Spent 3 hours trying to get through to SSA last month about a similar deposit issue and kept getting disconnected. Used Claimyr (claimyr.com) and got a callback from an actual SSA agent in about 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU - literally saved me from missing mortgage payment last month when my deposit was delayed.

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Thanks for the tip! If mine doesn't show up by tomorrow morning I'll definitely need to talk to someone. Tired of getting the busy signal whenever I call the regular number.

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Liam Fitzgerald

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IMPORTANT UPDATE: Just saw on SSA's website that they're experiencing some payment processing delays this month due to a system upgrade over the weekend. They're stating all payments will still be made by the official due date (Wednesday) but some of the usual early deposits might be affected. Here's what I'd suggest: 1. Wait until end of day Wednesday before taking action 2. If nothing by Thursday morning, contact your bank AND SSA 3. In the meantime, contact any billers with auto-payments to request short extensions I know it's stressful when the timing changes, especially when you've come to rely on that early deposit.

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Thank you so much for this update! I wish SSA would send notifications about these things. Just checked my account again and the payment just posted about 10 minutes ago. What a relief!

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Mine was late too but just showed up. I bet they're doing some kind of verification process. Last time this happened to me (about 2 years ago), I called and they said something about random verification checks on direct deposits. Just government bureaucracy doing its thing, I guess. Glad yours finally arrived!

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Jamal Wilson

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yeah they should TELL US when theyre going to be late!!! gave me a heart attack!!!

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