ESD payment deposit times changing? Used to be 9am now delayed until noon

Yes! This has been happening to me too for the past two weeks. My payments used to post between 8:30-9:15am like clockwork, but last Thursday it didn't hit until 1:30pm and I was panicking. I called my bank thinking they were holding it, but they said no deposits had been initiated yet from ESD. I think ESD must have changed their processing schedule or they're dealing with some backlog issues.

mine came at normal time today (9:08am) but bank is BECU if that matters??

OMG yes!!! I thought it was just me!!! i have bills set up to autopay on thursdays and now im getting overdraft fees because the money isn't there in time!! SO FRUSTRATING!!!

This is actually normal variation in the ACH processing system. ESD initiates payments in batches, but the exact timing of when those reach your specific bank can vary based on several factors: 1. Which processing batch your payment was included in 2. Your specific bank's processing schedule 3. Volume of transactions that day 4. Any processing delays at the Federal Reserve ESD hasn't announced any official changes to their payment schedule. These temporary delays of a few hours are normal fluctuations in the system. If your payment is delayed by more than 24 hours from when you normally receive it, then you might want to contact ESD to make sure there wasn't an issue with your weekly claim.

i had this happen too with BECU last week and this week its fine again. prolly just a glitch in the system or they did maintenance or something. i wouldnt worry about it unless u dont get it at all

This happened to me too, and when I tried calling ESD to ask about it, I couldn't get through - kept getting the "high call volume" message and disconnects. I finally used Claimyr (claimyr.com) to get through to an agent. They have this service that holds your place in line and calls you when an agent is available. There's a video showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 The agent told me they're having some system maintenance issues that are causing some payment batches to process later in the day, but should return to normal in 1-2 weeks. At least I got an answer instead of stressing all day!

This is likely related to the ESD system upgrade they announced last month. They're transitioning to a new payment processing system that's supposed to be more efficient, but during the transition period, some payment times might fluctuate. I received an email about it, but it didn't specifically mention changes to deposit timing. For anyone experiencing this, I'd recommend adjusting your autopayments to happen a day later than usual, at least until the system stabilizes. Better safe than sorry with overdraft fees.

UPDATE: My payment just posted at 12:45pm. So it seems like the new normal might be early afternoon rather than morning. Definitely adjust your autopayments if you haven't already!