ESD payment timing after claim switches to 'Paid' - when will money actually arrive?
Just went through the most stressful 6 weeks of my life but my ESD claim FINALLY switched from 'adjudication in progress' to 'paid' status yesterday!!! I'm so relieved but also super anxious because I've got bills due in 3 days that I absolutely need to cover. Does anyone know how long it takes for the money to actually hit your account after the status changes to paid? The ESD website says 24-48 hours but I've heard people saying different things. I have direct deposit set up with Bank of America if that matters. This is my first time on unemployment and I'm trying not to freak out about timing!
16 comments
Austin Leonard
Congrats on getting through adjudication! In my experience, it takes 2-3 business days after the status changes to 'paid' for the money to show up in your account. Bank of America sometimes holds deposits for an extra day compared to credit unions. If you check your ESD account under 'payment history,' you should see a processing date. The money typically arrives 2 business days after that date.
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Sophie Duck
Thank you! I just checked the payment history and it shows processing date as today. So that means I might get it by Friday? That would be cutting it super close with my bills but better than nothing!
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Anita George
NEVER trust the ESD timeline estimates! When mine finally got approved in January after 8 weeks in adjudication hell, they said 48 hours but it took FIVE DAYS to hit my account!! Call your bill companies and explain the situation. Some will give you an extension if you have proof your unemployment was approved. The system is BROKEN!!!!
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Austin Leonard
While it can sometimes take longer, most payments do arrive within 2-3 business days. Banking holidays and weekends can extend the timeline, though. It's good advice to contact creditors if you're worried about making payments on time.
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Abigail Spencer
yep this happened to me to. took almost a week and NO WARNING from ESD. had to borrow money from my mom to cover rent ðŸ˜
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Logan Chiang
I had the same situation last month. For me, it took exactly 2 business days after the claim switched to
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Sophie Duck
Mine switched to paid on Tuesday (yesterday), so hopefully that means Thursday? And yes, I'm actually supposed to get backpay for 6 weeks which will really help! Just nervous about the timing.
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Isla Fischer
My situation was similar to yours back in February. My claim was in adjudication for about 7 weeks before finally getting approved. When it switched to paid, I got the money exactly 48 hours later, but I bank with BECU not BofA. If you're really worried about the timing with your bills, have you tried calling ESD to confirm the payment was processed? Good luck getting through though...
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Sophie Duck
I've been trying to call ESD all morning with no luck. Either get disconnected immediately or wait on hold forever only to get hung up on. So frustrating when you just need to ask a simple question!
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Miles Hammonds
If you need to reach ESD quickly, try using Claimyr (claimyr.com). I was in the same boat last month - desperately needed to confirm when my payment would arrive. Used their service and got through to an ESD agent in about 15 minutes instead of spending days trying to call. They have a video showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3. Totally worth it when you need answers about payment timing.
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Sophie Duck
Thanks for the tip! I'll check that out right now. At this point I'd try anything to get some clear answers about when the money will arrive.
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Abigail Spencer
does this actually work?? i tried calling esd like 50 times last month and never got through
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Ruby Blake
Don't forget that even after it hits your account, there might be a hold put on the funds by your bank. Bank of America sometimes puts a 24-hour hold on unemployment deposits. When I was on unemployment last year, this happened to me twice. The money showed as deposited but wasn't available to use until the next day. Just something to be aware of if you're cutting it close with bills.
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Sophie Duck
Ugh, I didn't know about possible bank holds. That's really good to know - thank you for mentioning it! I'll call my bank to check their policy on unemployment deposits.
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Isla Fischer
hey just wondering did your payment arrive yet? im in the same boat right now and getting nervous about my car payment that's due monday...
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Sophie Duck
IT CAME THROUGH THIS MORNING!! Took exactly 2 business days from when the status changed to paid. Such a relief. Hope yours comes through quickly too!
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