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Dylan Cooper

How long does the first unemployment direct deposit take with Washington ESD?

I just got approved for unemployment benefits after waiting 3 weeks for adjudication. My claim status finally changed to 'paid' yesterday but I haven't seen the money in my bank account yet. This is my first time on unemployment and I'm not sure how long Washington ESD takes to process the first direct deposit. I set up direct deposit when I first applied but I'm starting to worry something went wrong. Has anyone else experienced delays with their first payment? I really need this money to cover rent next week.

First payments usually take 2-3 business days after your claim shows 'paid' status. Since you just got approved yesterday, I'd expect to see it by Thursday or Friday. The first one is always slower than subsequent payments.

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That's a relief, thank you! I was worried I messed up the direct deposit info somehow.

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yeah mine took 3 days for the first one then after that it was always next day

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I had the same anxiety with my first payment! Washington ESD processes payments on Tuesdays and Thursdays typically. If your claim went to 'paid' status on Monday, you should see the deposit by Thursday at the latest. The banking system needs time to clear the ACH transfer.

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Good to know about the Tuesday/Thursday schedule. I'll stop refreshing my bank account every hour now lol

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Just make sure your bank account info is correct in your Washington ESD account. You can check it under 'Payment Method' in the portal.

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If you're still waiting after a week, there might be an issue with your bank account information. I had a friend who had to wait 2 weeks because her bank rejected the first deposit due to a name mismatch. She ended up using Claimyr to get through to someone at Washington ESD to fix it - saved her hours of trying to call. Check out claimyr.com, they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Interesting, I'll keep that in mind if I don't see anything by Friday. How does Claimyr work exactly?

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It basically calls Washington ESD for you and gets you connected to an actual person. Way better than sitting on hold for hours or getting hung up on.

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The first payment is ALWAYS the slowest. I think it took mine 4 business days back in 2023. After that every weekly payment hit my account within 24 hours. Just be patient, it's coming.

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4 days sounds about right based on what everyone's saying. I'm just stressed about bills.

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I feel you on the bill stress! Mine took 3 days and I was checking my phone constantly

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Double check that your claim status actually says 'paid' and not 'pending' or 'processing'. Sometimes people think their claim is approved when it's still being processed. Log into your Washington ESD account and verify the payment status for each week you filed.

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Just checked again and it definitely says 'paid' with the dollar amount shown. So I guess I just need to wait a couple more days.

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Perfect! Then you're all set. The money should hit your account soon.

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worst case scenario you can always call Washington ESD but good luck getting through lol. when i had issues i spent like 6 hours on hold one day just to get disconnected

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Ugh that sounds awful. Hopefully I won't need to call them.

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That's exactly why I mentioned Claimyr earlier - it skips all that hold time nonsense

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I've heard about that service too. Might be worth it if you're really stuck.

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One thing to keep in mind - if you filed your weekly claim on Sunday, the payment processing doesn't start until Monday. So Sunday filers usually see their money Wednesday or Thursday, while Saturday filers might see it Tuesday or Wednesday.

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I filed on Saturday so maybe I'll see it sooner than I thought!

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Yeah the weekend timing makes a difference for sure

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My first payment took forever because I had to verify my identity first. Did you have to do any ID verification stuff? That can add extra time to the process.

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I did the ID.me verification when I first applied but that was approved right away. My claim just took forever to get through adjudication.

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Oh good, then you shouldn't have any extra delays. Just the normal processing time.

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Also make sure you're looking at the right bank account! I know that sounds obvious but I once spent 2 days panicking because I was checking my savings account instead of checking where I actually had direct deposit set up to go to my checking account.

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Haha I definitely double-checked that already. I only have one account anyway so no confusion there.

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lol that's something I would totally do

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If you're really worried about it, you could try calling your bank to ask if they see any pending ACH deposits. Sometimes they can see stuff that's coming before it actually posts to your account.

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That's actually a good idea. I'll call them tomorrow if I don't see anything by then.

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Some banks show pending deposits in their app too, might be worth checking

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The waiting is the worst part honestly. Once you get into the rhythm of weekly claims and regular payments it gets so much easier. Just hang in there!

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Thanks for the encouragement! I'm definitely looking forward to having a regular schedule for this stuff.

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Yeah after the first month it becomes pretty routine

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Just wanted to add - if you have any issues with future payments or need to talk to Washington ESD about anything, I've had good luck using a service called Claimyr. They basically call for you and get you connected to an actual person without the hours of hold time. Saved me a ton of frustration when I had an overpayment issue to resolve.

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A couple people have mentioned that now. Might be good to know about for future issues.

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I used them too when I had an appeal to file. Definitely worth it when you actually need to talk to someone.

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Just to set expectations - the first payment usually includes back pay for any weeks you were waiting during adjudication. So your first deposit might be bigger than your regular weekly amount. Don't get confused if the number looks higher than expected!

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Oh that's good to know! I was in adjudication for 3 weeks so I guess I'll get all of that at once.

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Yep exactly! That's why the first payment takes longer to process sometimes too.

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I remember being so anxious about my first payment. Kept checking my account every 5 minutes lol. But once it hit, all the subsequent payments were super reliable and fast.

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That's exactly what I'm doing right now! Glad to hear it gets better.

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Same here, I was so paranoid something would go wrong

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If you don't see it by Friday definitely check your Washington ESD account for any messages or issues. Sometimes there are problems that don't show up in your claim status but they'll send you a message about it.

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Good point, I'll make sure to check messages too. Thanks for all the advice everyone!

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Yeah always check the messages section, they don't always send email notifications

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UPDATE: Did you get your payment yet? I'm curious how it worked out!

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Not yet but it's only been 2 business days so far. I'm feeling more patient now after reading everyone's responses.

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Keep us posted! I'm always curious about how long these things actually take.

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The Washington ESD payment system is pretty reliable once you get familiar with it. Just remember for future weeks - file your weekly claim early in the week if you can, payments process faster that way.

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I'll definitely keep that in mind. I filed on Saturday this time but I'll try to do it earlier in the week going forward.

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Yeah I always file mine on Sunday evening and get paid by Tuesday usually

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One more thing - make sure you keep filing your weekly claims even while waiting for payments. I know someone who stopped filing because they were waiting for their first payment and it messed up their whole claim.

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Definitely won't make that mistake! I have my weekly claim filing set as a reminder on my phone.

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Smart! I set up a calendar reminder too because it's easy to forget

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Hope it works out smoothly for you! The first payment is always the most stressful but after that it becomes routine. Washington ESD has actually gotten pretty good with their payment processing over the last couple years.

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Thank you! I'm feeling much more confident about it now. This forum has been super helpful.

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This community is great for unemployment questions. Always helpful people here!

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Just remember if you do run into any problems down the line, Claimyr is there to help you get through to Washington ESD without the phone hassles. I wish I had known about it earlier in my unemployment journey!

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I'll definitely bookmark that for future reference. Hopefully won't need it but good to know it exists.

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Yeah it's one of those things you hope you never need but glad it's there when you do

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