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ESD direct deposit to PayPal - how long before funds actually appear?

Just had my unemployment claim switch to 'paid' status yesterday and selected direct deposit to my PayPal account. Anyone know how long it actually takes to see the money in PayPal? The ESD website just says 'up to 3 business days' but I'm wondering what people's real experiences have been. Getting nervous because rent is due Monday and I NEED this payment to clear. First time using PayPal for my UI benefits so I have no idea what to expect.

Malik Thompson

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I've been using PayPal for my ESD deposits for about 6 months now. In my experience, it usually takes 2 business days after the 'paid' status appears. So if it showed paid on Tuesday, I'd typically see it in PayPal by Thursday. However, I've occasionally had it take the full 3 days, especially around holidays. The good news is PayPal is definitely faster than getting a paper check in the mail, which can take over a week.

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Emma Anderson

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Thanks for the info! It went to paid status on Wednesday, so hopefully I'll see it tomorrow. Really hoping it doesn't take the full 3 days because that would be Monday and rent is due that day. Cutting it super close!

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paypal took 4 days for me last month. esd is so slow with everything tbh

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Emma Anderson

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4 days?! Ugh that's not what I wanted to hear. Did you count weekends in that or just business days?

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business days. went to paid on monday didnt hit paypal til friday

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CosmicVoyager

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I switched from PayPal to regular bank direct deposit because PayPal was inconsistent for me. Sometimes 1 day, sometimes 3 days. Too stressful when you need the money right away!

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Emma Anderson

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I'd do regular direct deposit if I could but my bank charged me so many overdraft fees I had to close the account. PayPal was my only option besides paper checks. :

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Ravi Kapoor

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If you're in a situation where you need to speak with an ESD agent about expediting your payment or checking on the status, I'd highly recommend using Claimyr. I was in a similar situation last month where my payment got stuck in processing, and I couldn't get through to ESD on my own after days of trying. Claimyr got me connected to an actual ESD agent within 2 hours who fixed the issue on the spot. They have a video that shows how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 Their website is claimyr.com if you want to check it out. Definitely worth it when you're in a time crunch with bills due.

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Freya Nielsen

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I'll second this recommendation. I used Claimyr when my payment was stuck in adjudication for weeks. Got through to ESD same day and had my issue resolved within 48 hours. Regular phone system is nearly impossible to get through.

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Emma Anderson

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Thank you, I'll check that out if my payment doesn't show up by tomorrow! At this point I'm willing to try anything to make sure I can pay rent on time.

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Omar Mahmoud

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Just to clarify something important - the ESD timeframe of "up to 3 business days" is when they initiate the transfer, but PayPal itself might hold the funds for 24 hours for security reasons. So technically, it could be 4 business days from "paid" status to having usable funds. And remember, the "paid" status on the ESD site doesn't mean the money has actually been sent yet - it just means it's been approved for payment. The actual ACH transfer might not initiate until the next business day after the "paid" status appears. If you're in a real bind with rent, I'd recommend calling ESD directly to ask if there's any way to expedite the deposit or at least confirm exactly when the transfer was initiated. That way you can have accurate information for your landlord if needed.

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Emma Anderson

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That's really helpful info, thank you. I just assumed "paid" meant they'd already sent the money. I'll definitely call ESD if it's not there by tomorrow afternoon.

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Chloe Harris

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ESD IS THE WORST!!! I switched to PayPal because they kept sending my checks to my old address even after I updated it THREE TIMES in their system!!! Then with PayPal they STILL managed to mess up and send one payment as a paper check anyway. These people are INCOMPETENT!!!

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Emma Anderson

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Oh no, that sounds like a nightmare. Did you eventually get your payments straightened out?

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Chloe Harris

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Yeah but it took FOREVER and I had to call like 50 times. Their phone system is rigged to hang up on you I swear!!!

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Malik Thompson

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Just wanted to add some additional info that might help with future payments. If this is your first payment to PayPal, it often takes the full 3 business days as they verify the account. After your first successful deposit, subsequent payments tend to be faster - usually 1-2 business days in my experience. Also, make sure your PayPal account email exactly matches what you provided to ESD, as any discrepancies can cause delays. And double-check that your PayPal account is fully verified, as unverified accounts sometimes have holding periods for deposits.

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Emma Anderson

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I didn't know the first payment takes longer! That makes sense though. And yes, I made sure to use the same email address. My PayPal account is fully verified too. Thanks for the extra tips!

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CosmicVoyager

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my friend gets hers on venmo now she said its faster than paypal was

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Emma Anderson

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Wait, ESD can deposit to Venmo now? I didn't see that as an option when I set up my payment method. Did your friend do something special to set that up?

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CosmicVoyager

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idk maybe? ill ask her and let u know

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Omar Mahmoud

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ESD doesn't officially support Venmo as a direct deposit option. Your friend is likely using a Venmo debit card or Venmo's direct deposit routing/account numbers, which is different than PayPal. Just wanted to clarify so OP doesn't get confused.

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Emma Anderson

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UPDATE: Just wanted to let everyone know my payment hit PayPal this morning! So it took exactly 2 business days from 'paid' status to showing up in my account. Thanks everyone for your help and advice!

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Malik Thompson

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Great news! Glad it came through in time for your rent payment. Now you know what to expect for future payments too.

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Chloe Harris

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Lucky you! Mine always takes the full 3 days minimum 🙄

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