ESD payment delays - normal to wait 2-3 days for anti-fraud + weekend deposits?

Yep, the 2-day anti-fraud hold is 100% normal now. After all the fraud during COVID they implemented this for ALL claims. For me, I got approved on a Monday, then the money hit my account Thursday morning. But I bank with Chase - heard credit unions can sometimes take an extra day.

congrats on getting approved!!! i was in adjudication for NINE weeks so your 6 weeks is actually pretty fast lol. the 2 day hold is definitely normal, they started that in like 2022 i think? but the weekend thing is tricky... ESD doesnt technically process on weekends from what i can tell. if your 2-day hold ends on sat, probably wont see anything till tuesday honestly

The anti-fraud hold is standard procedure now and cannot be bypassed. Here's how the timeline typically works in 2025: 1. Approval date: Day 0 2. Anti-fraud hold: Days 1-2 (business days only) 3. Payment processing: Day 3 4. ACH transfer to bank: Days 4-5 Regarding weekends - ESD's system does not process or release payments on weekends. The anti-fraud hold period only counts business days, so if your approval was Thursday, the 2-day hold would be Friday and Monday, with potential release on Tuesday. Different financial institutions handle incoming ACH transfers differently. Credit unions like BECU typically post ACH transfers once per day in the morning, while some larger banks may process them multiple times daily.

I got approved back in January and had the same questions!! The anti-fraud thing is annoying but whatever. What nobody tells you is that they send the oldest weeks first, then each newer week comes like a day later. So if you have 5 weeks of backpay, you'll get deposits 5 days in a row. At least that's how it was for me!

I've helped numerous clients navigate this exact situation. The 2-day anti-fraud hold is non-negotiable and applies to all claims. However, many people don't realize they can track the exact status of their payment through the eServices portal under "Payment History" - it will show when a payment moves from "Processing" to "Paid" which typically happens before it hits your bank. Regarding weekend processing: ESD's system runs Monday-Friday only. Their computer system does not initiate new payment releases on weekends. So if your hold ends on a Saturday (which it sounds like it might), the actual payment won't be initiated until Monday. In my experience, BECU typically posts ESD deposits within 24 hours after ESD releases them, slightly faster than some national banks.

when i got aproved last month they told me 2-3 days but took almost TWO WEEKS!!!! i kept calling everyday and nobody could tell me why!! the esd website kept saying paid but nothing in my account for days and days. finally got it but lost my mind waiting!!!

Update: Just checked my eServices account and all my weeks switched from "Processing" to "Paid" today! The payment amounts match what I was expecting. Now just waiting for it to hit my bank account. Will update again when it does for anyone who might find this useful for their own timeline estimates.

awesome!! thats actually pretty fast! most of my friends are still waiting for approval. the system is so backed up this year its crazy.

Final update: The money hit my BECU account this morning, exactly 6 business days after approval. Timeline breakdown: Thursday: Approval Friday-Monday: Anti-fraud hold (2 business days) Tuesday: Status changed to "Paid" in eServices Wednesday: Nothing Thursday (today): Funds available in my account Thanks everyone for the help! For anyone finding this thread later, just know that "2-3 business days" is definitely the best-case scenario.

Thanks for coming back to update us! That's really helpful to have a real timeline example. Glad you finally got your money!