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Mateo Silva

When does ESD direct deposit arrive? Approved for 5 weeks Monday morning but no payment yet

My unemployment claim FINALLY got approved on Monday morning after weeks of waiting in adjudication. ESD owes me for 5 back weeks (about $3,750 total) and my status changed to 'paid' on the eServices portal. It's now Wednesday and I still don't see anything in my bank account. Starting to get really nervous because I've got rent due on Friday and I'm completely broke right now. Does anyone know how long ESD usually takes to deposit funds after a claim shows 'paid' status? Is there a specific day of the week they process payments? I'm with Wells Fargo if that matters.

mine usually shows up within 48 hrs of status changing to paid, but if its ur 1st payment might take longer. also depends on ur bank. wells fargo sometimes holds deposits for a day or 2 especially for large amounts.

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Mateo Silva

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Thanks for replying. It is my first payment so maybe that's why? Getting really stressed because I've been counting on this money for weeks now.

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Cameron Black

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ESD processes payments within 24-48 hours after approval, but there are several important things to know: 1. First payments typically take 1-3 days longer than ongoing weekly claims 2. Large backpay amounts (like your 5 weeks) may trigger additional verification at your bank 3. Wells Fargo specifically has a habit of holding first-time government deposits for 24-72 business hours 4. If you chose direct deposit during your initial claim filing, you should be fine, but if you didn't set up direct deposit properly, they may have defaulted to sending you a debit card If you don't see the deposit by Friday morning, call ESD to verify the payment was actually sent and to which account. The payment may show as 'paid' in the system but could have encountered a technical issue during processing.

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Mateo Silva

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Thank you for that detailed explanation! I did set up direct deposit when I first applied. I'll wait until Friday morning and then try calling if nothing shows up. Really hoping it comes through tomorrow.

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Have u checked under the "payment history" section on ur eservices account? Sometimes it will say "paid" but when u look at the actual payment details it might still be processing or show the exact date it was sent. That should give u more info!!!

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Mateo Silva

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Good idea, I just checked payment history. It says "paid by direct deposit" but doesn't show a specific send date. Just has the amount for each week. I guess I'll just have to wait and see what happens...

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the system SAYS paid but that dont mean the money is actually sent yet!! happened to me too, ESD is absolutely terrible about actually sending the $$$. took me 8 days to get my first payment even after it said "paid" and i was calling them every single day

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Mateo Silva

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Ugh, 8 days?? I can't wait that long. Did calling them every day actually help speed things up at all?

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Ruby Garcia

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ESD payment processing follows this general timeline: - Monday: Claims processing begins for previously approved claims - Tuesday: Electronic fund transfers initiated - Wednesday-Thursday: Most banks begin posting deposits - Friday: Almost all payments complete for standard timeframes Since your claim was just approved Monday morning, it's likely in the standard processing cycle now. With 5 weeks of backpay, Wells Fargo may hold it for fraud prevention review, especially if it's your first UI payment. This is completely normal. If you're concerned about making rent, you can call ESD at 800-318-6022 to verify everything is properly set up. However, wait times are extremely long this week due to a new claim processing backlog. You might want to try using Claimyr (claimyr.com) to skip the phone wait - they have a service that helps you get through to an ESD agent quickly. There's a video explaining how it works at https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3. I used it when my payment was delayed and got through in about 15 minutes versus waiting for hours.

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Are you sure that timeline is accurate? I got approved on a Thursday and had my payment the very next day. Maybe it varies by region or something? Or has the process slowed down in 2025?

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Ruby Garcia

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The timeline I shared is for the standard processing cycle, but ESD does sometimes process approvals outside that cycle. If your approval happened to align with their payment batch processing, you could see funds more quickly. It's also worth noting that single-week payments process faster than multi-week backpay, which requires additional verification. The system hasn't necessarily slowed down in 2025, but they have added more fraud prevention measures for larger payments.

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have u checked if maybe they sent u an ESD debit card instead of direct deposit? sometimes they default to that even if u think u signed up for direct deposit. happened to me and i was waiting for weeks before i realized the card came in the mail!

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Mateo Silva

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Oh no, I didn't think of that! I'll check my mail tonight. I definitely selected direct deposit though and my bank info shows in my account settings. Would they really ignore that and send a card anyway?

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Cameron Black

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It's rare but sometimes happens if there was any issue with your bank account verification. If you log into your eServices account and go to Settings > Payment Options, it should show which payment method is currently active. If it says 'Direct Deposit' with your bank account info, then a card wasn't issued and you're just waiting on normal processing times.

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Mateo Silva

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Just checked and it definitely says Direct Deposit is active with my correct bank info. That's a relief at least. Tomorrow will be 72 hours since approval, so hopefully it shows up soon.

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any update? did ur payment come thru yet?

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Mateo Silva

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Still nothing in my account as of this morning. I'm going to try calling them today. So stressed right now!

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Ruby Garcia

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Quick update for others finding this thread: Standard ESD payment processing times are 2-3 business days after 'paid' status for regular ongoing claims, but initial payments with multiple weeks of backpay typically take 3-5 business days due to additional verification steps. Wells Fargo specifically is known to hold larger first-time government deposits for additional review. For the original poster - if you need to reach ESD quickly, definitely try the Claimyr service I mentioned earlier. With 5 weeks of backpay at stake and rent coming due, speaking directly with an ESD agent is your best option. They can verify if the payment was actually sent and give you a more precise timeline.

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Mateo Silva

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UPDATE: My payment finally came through this morning (Thursday)! Looks like it just took a bit longer than I expected. Thanks everyone for your help and advice during my mini-freak out. For anyone else reading this in the future - be prepared to wait 3-4 business days after approval, especially for first payments with multiple weeks of backpay.

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