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Noland Curtis

What day is unemployment deposited - Washington ESD payment schedule confusion

I'm really confused about when my unemployment benefits actually hit my bank account. I filed my weekly claim on Sunday but it's now Thursday and I still don't see any deposit. My claim shows as processed on the Washington ESD website but no money yet. Does anyone know what day unemployment is actually deposited? I'm starting to panic because I have bills due tomorrow and I was counting on this money being there by now.

Washington ESD usually processes payments on Tuesdays and Wednesdays, but the actual deposit depends on your bank. Most people see it hit their account on Wednesday or Thursday. Since you filed Sunday, you should see it by end of week.

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Thanks! I bank with Chase so hopefully it shows up tomorrow. This waiting is killing me.

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Chase usually gets it Wednesday nights for me, so check again tonight

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The Washington ESD payment schedule is: weekly claims filed Sunday get processed Tuesday/Wednesday, and most banks deposit by Thursday. However, if there are any issues with your claim it can delay the whole process. Check your claim status online to make sure there are no pending issues.

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I checked and it says 'claim processed' but no issues listed. Should I call Washington ESD to double check?

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If it says processed you should be fine. Calling ESD is nearly impossible with their phone system anyway.

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I've been on unemployment for 6 months and the deposit schedule has been pretty consistent. Sunday filing = Wednesday/Thursday deposit. But I've had a few times where it took until Friday, especially around holidays. If you're really worried about reaching someone at Washington ESD, I recently discovered this service called Claimyr (claimyr.com) that actually gets you through to ESD agents. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me hours of dialing busy signals.

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Never heard of that service before. Does it actually work to get through to ESD?

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Yeah it worked for me when I had an adjudication issue last month. Much better than sitting on hold for hours.

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Sounds too good to be true but I might try it if my payment doesn't show up

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UGH the Washington ESD deposit schedule is SO inconsistent! Sometimes I get it Tuesday, sometimes Thursday, sometimes not until the following Monday! It's ridiculous that they can't just pick a day and stick to it. How are we supposed to budget when we never know when the money will actually show up??

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I think the inconsistency is more about your bank's processing time than ESD. They batch process on the same days each week.

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Maybe but my bank gets my paycheck from work on the same day every week so I don't think that's it

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For what it's worth, I've been tracking my deposits for the past 3 months and here's what I've noticed: Claims filed Sunday by 11:59 PM get deposited Wednesday night/Thursday morning 90% of the time. The other 10% it's Friday morning. Claims filed Monday get pushed to the following week's cycle.

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This is super helpful! I definitely filed Sunday night around 9 PM so hopefully I'm in that Wednesday/Thursday group.

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Wait, if you file Monday it gets pushed to next week? That seems wrong.

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Yeah I learned that the hard way. Always file by Sunday night to get paid that week.

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same boat here, filed sunday and its thursday with no deposit yet. starting to worry something went wrong with my claim

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At least I'm not the only one! Let me know when yours shows up and I'll do the same.

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will do, fingers crossed we both see it tomorrow morning

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Just to clarify the timing for everyone: Washington ESD processes weekly claims in batches. Sunday filers get processed Tuesday/Wednesday, but the actual deposit timing depends on your bank's ACH processing schedule. Most major banks (Chase, Bank of America, Wells Fargo) will show the deposit by Thursday morning. Credit unions sometimes take an extra day.

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Thanks for the clarification. I have a credit union and mine usually shows up Friday morning.

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Good to know about the credit union timing. I'm with Chase so hopefully tomorrow morning!

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Has anyone else noticed their deposit amounts changing slightly week to week? Mine went from $423 to $419 this week and I can't figure out why. Same work hours reported.

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Small variations can happen due to tax withholdings or if you're getting close to your benefit year end. Check your payment history online.

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Good point, I'll check that. Thanks!

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I switched from direct deposit to the debit card last month and now I get my payments a day earlier. The ReliaCard usually gets loaded Wednesday morning instead of Thursday like my bank account used to.

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Interesting! I might consider switching to the debit card if it's faster.

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Just be aware there are fees for some transactions with the debit card. But for getting cash it's been fine.

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The debit card fees are annoying but getting paid faster is worth it IMO

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This whole thread is making me realize I should probably track my deposit dates better. I never really paid attention to the pattern but now I'm curious.

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I started tracking mine after I had a payment get delayed and I couldn't figure out why. Now I know what to expect each week.

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Word of advice - if your deposit is more than 2 business days late, that's when you should start worrying. I had a payment get stuck in adjudication once and it took 3 weeks to resolve. The earlier you catch problems the better. That Claimyr service someone mentioned earlier might be worth trying if you need to actually talk to someone at ESD about delays.

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3 weeks?! That's terrifying. I really hope mine shows up tomorrow.

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Don't panic, most delays are just processing hiccups. But if it goes past Friday definitely follow up.

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For anyone still waiting - I just got a notification that my deposit went through! Filed Sunday night, showing up in my Chase account now (Thursday 6 PM). So hopefully everyone else's will show up soon too.

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OMG thank you for posting this! I just checked and mine is there too! Such a relief.

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Mine too! Crisis averted lol. Thanks everyone for the help.

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This has been such a helpful thread! I'm new to unemployment and had no idea about the deposit timing. Saving this for future reference.

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Welcome to the club nobody wants to be in! Feel free to ask questions, most people here are pretty helpful.

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Quick question - does the deposit time change if you have taxes withheld vs not? I just started having taxes taken out and wondering if that affects anything.

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No, tax withholding doesn't affect the deposit timing, just the amount you receive. The processing schedule stays the same.

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Good to know, thanks!

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I've been getting unemployment for 8 months now and I can confirm the Wednesday/Thursday deposit schedule is pretty reliable. The only times it's been delayed for me were during holidays or when I made a mistake on my weekly claim.

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What kind of mistakes cause delays? I want to make sure I'm not messing anything up.

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Mostly reporting work hours wrong or forgetting to complete job search requirements. Always double check everything before submitting.

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Just wanted to add that if you're on standby status, the deposit schedule might be different. I'm on standby through my union and my payments sometimes come a day later than regular UI.

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Good point about standby. Those claims sometimes get additional review which can delay processing.

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Thanks everyone for all the info! This thread should be pinned or something. So helpful for people trying to figure out Washington ESD timing.

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Agreed! This answered all my questions and probably saved me from a panic attack lol.

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One more tip - if you use mobile banking, sometimes the deposit shows up in the app before it's available to spend. Don't panic if you see it pending, it should clear by the next morning.

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Yes! This happened to me last week and I thought something was wrong. It cleared the next day.

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I'm bookmarking this thread for future reference. Finally understand the Washington ESD payment schedule thanks to everyone here. Sunday filing = Wednesday/Thursday deposit. Got it!

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Same here! This community is awesome for getting real answers about unemployment stuff.

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Last thing I'll add - if you ever do need to call Washington ESD about payment issues, try that Claimyr service. I used it when I had an overpayment question and it actually worked. Way better than hitting redial 100 times and getting busy signals.

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I might try that next time I have an issue. The ESD phone system is absolutely horrible.

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This thread is so helpful! I'm in a similar situation - filed Sunday and was getting worried when Thursday came around with no deposit. Reading through all these responses really helped me understand the timing better. It's reassuring to know that Wednesday/Thursday deposits are normal for Sunday filers. The breakdown of how ESD processes claims on Tuesday/Wednesday and then banks handle the ACH deposits makes total sense. I'll definitely save this info for future reference and maybe even track my deposit dates like some of you suggested. Thanks everyone for sharing your experiences!

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