ESD payment showing 'paid' but not deposited on ReliaCard at usual time - different deposit schedules?
Getting a bit worried here. I've been claiming UI benefits for about 3 months now, and my weekly deposits are super consistent - always hitting my ReliaCard between 3:30-4:30am on Wednesday mornings. Today's different though. It's already past 7am, and while the ESD website shows my payment as 'paid' when I logged in, nothing's shown up on my card yet. No pending transaction either. I checked my payment details and everything looks normal - same amount as usual ($618), same processing date. Does anyone know if ESD has different deposit times throughout the day? Or should I be concerned something's wrong with my payment? My rent is due Friday and I'm counting on this money...
15 comments
Malik Thomas
this happens sometimes, bank processing delays. my deposits used to come like 4am but sometimes its not til noon or even like 2pm. as long as it says paid on esd website ur good, just wait a few more hours before freaking out
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Emma Wilson
•Thanks for the reassurance! Getting anxious over here. Did your payment schedule eventually go back to normal or do the times stay unpredictable?
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NeonNebula
The payment schedule can vary because there are multiple factors involved in the deposit timeline. Once ESD shows 'paid,' the payment has been released from their system, but then it goes through both the ACH (Automated Clearing House) network and your bank's processing system. Typically, most deposits arrive early morning, but system maintenance, high volume processing days, or bank holidays can cause delays. If it's not in your account by tomorrow morning, then I would recommend contacting ESD to check if there might be an issue. But in my experience, as long as it shows 'paid' in the system, you will receive the money - sometimes just later in the day than expected.
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Isabella Costa
•Coudl also be the realiacard its self causing problems. Their customer service is HORRIBLE!! they put random holds on my card 2x now with zero explanation!!! had to wait 3 days once to get my money off hold. so annoying!!
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Ravi Malhotra
I've had my payment come through as late as 5 PM before even though the ESD website showed it as paid in the morning. Seems like ReliaCard processing times aren't super consistent. I wouldn't worry yet, but definitely check back through the day. Question for you - have you set up direct deposit to a regular bank account instead of ReliaCard? I switched to direct deposit to my credit union and it's been WAY more reliable with timing. Just a thought if this keeps happening.
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Emma Wilson
•I actually didn't realize I could switch to direct deposit! That might be worth looking into. My regular bank usually processes deposits faster than this ReliaCard. How did you make the switch? Is there a form on the ESD website for it?
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Freya Christensen
Based on my experience working with UI claimants, this is normal. The ESD system marks payments as 'paid' when they've been processed on their end, but there can be a delay of up to 24-48 hours before it actually hits your ReliaCard, especially during high-volume periods. If your payment normally arrives at a consistent time but is delayed today, it could be due to: 1. Bank processing delays at U.S. Bank (who manages ReliaCard) 2. Higher volume of payments being processed this week 3. Technical delays in the ACH transfer system 4. System updates or maintenance at either ESD or U.S. Bank As long as it shows 'paid' in your ESD account, the money has been allocated to you and should arrive. I'd give it until end of day before getting concerned.
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Emma Wilson
•Thank you for the detailed explanation. This makes me feel much better. I'll try to be patient and check again this afternoon.
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Omar Farouk
Just to add another data point - my deposits are completely random. Sometimes 3am, sometimes noon, once it even came at like 8pm! The only consistent thing is it always comes same day as the 'paid' status shows up. If it doesn't show up by tomorrow morning, THAT'S when you should start calling ESD.
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Chloe Davis
Speaking of calling ESD... if you do need to reach them (which hopefully you won't!), I'd recommend using Claimyr. Tried calling ESD for THREE DAYS about a similar issue and kept getting disconnected or waiting for hours. Used Claimyr (claimyr.com) and got through to an agent in about 20 minutes! They have a video showing how it works here: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 They basically hold your place in line and call you when they get an agent. Saved me so much stress when I had a payment issue. But like others said, if it shows paid, you should be good by end of day.
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Isabella Costa
•does that actually work??? ive literally spent HOURS trying to get through to esd!! its insane how bad their phone system is
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Ravi Malhotra
Just wanted to check in - did your payment come through yet? Mine this week was later than usual too, wondering if there's something going on with their system.
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Emma Wilson
•Yes! It finally hit my ReliaCard around 2:30pm. Such a relief. Seems like they're just being slow today for some reason. Thanks everyone for the reassurance!
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NeonNebula
Glad to hear your payment came through! For future reference, if you want more consistent deposit timing, you can change from ReliaCard to direct deposit by going to your ESD account, selecting 'Payment Options' under the 'Settings' menu, and entering your bank account information. Most regular banks process ACH transfers more consistently than prepaid cards. Just make sure you keep your ReliaCard active until you confirm your direct deposit is working properly.
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Emma Wilson
•Thank you! I'm definitely going to set up direct deposit tonight. I've had a few too many anxiety-inducing moments with this ReliaCard. Appreciate everyone's help!
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