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Update from an EDD staff meeting last week: The current timeframe for Money Network card deposits is officially 24-48 business hours after the payment shows as processed in UI Online. However, if the payment is processed after 1pm, it generally counts as the next business day. So for your payment that processed today at 2pm, I would expect it Thursday morning at the latest. If it doesn't arrive by Thursday afternoon, that would be the appropriate time to contact EDD for assistance.
my sister works at a bank and she says ACH transfers always take 2-3 business days no matter what anyone tells you. edd processes the payment but then it has to go thru the federal reserve and then to money network. the money isnt actually moving instantly its just computer entries.
That makes a lot of sense actually! I never really thought about all the steps money has to go through between different banking systems. It's frustrating when you need the funds quickly, but at least understanding the process helps manage expectations. Thanks for explaining the behind-the-scenes stuff!
I'm dealing with a similar situation right now! Just wanted to share what I learned from calling around today - apparently some EDD offices have different policies about walk-ins versus appointments. The Sacramento office told me they only do appointments, but when I called the Stockton office, they said they accept walk-ins for "account access emergencies" on Tuesdays and Thursdays between 8-10am (first come, first served). Might be worth calling multiple offices in your area to see if any have more flexible policies. Also, I discovered that if you have ANY old tax documents that show EDD payments from previous years, those can help with identity verification even if you don't have your customer account number. Hope this helps and good luck - this whole system is so frustrating!
This is incredibly useful information, thank you! I had no idea that different offices might have different walk-in policies. I'm going to call around to offices in my area tomorrow to see if any offer the walk-in option - waiting 2-3 weeks for an appointment when bills are due feels impossible. The tip about old tax documents is great too - I think I have my 2022 tax return that shows EDD payments from when I was briefly unemployed that year. Did the Stockton office give you any other details about what to bring for the "account access emergency" walk-ins?
I work as a benefits advocate and see this situation frequently. Here are some additional options that might help while you're pursuing the in-person route: 1. **ID.me verification bypass**: If you can access the EDD website at all, look for the "Forgot Username/Password" option and try using ID.me verification instead of the old email/phone. Sometimes this works even when the contact info is outdated. 2. **Employment Development Department Disability Insurance (DI) offices**: These are separate from regular EDD offices and often have shorter wait times. They can sometimes help with UI account issues too - worth calling to ask. 3. **Document everything**: Keep records of every call, visit attempt, and person you speak with. If you end up needing to escalate to supervisors or file complaints, this documentation becomes crucial. 4. **Local workforce development boards**: Many counties have these and they often have direct lines to EDD that bypass the regular customer service bottleneck. The key is to have multiple irons in the fire simultaneously. While waiting for your in-person appointment, keep trying the assembly office route and other phone options. I've seen people get through faster by trying multiple approaches rather than waiting for just one to work. Stay persistent - you will get through this!
This is exactly the kind of comprehensive advice I was hoping for - thank you so much! I'm going to try the ID.me verification option right now while I'm gathering documents for the in-person visit. I didn't even know DI offices existed or that they might be able to help with UI issues. Quick question about the workforce development boards - do you know if they typically require any kind of registration or eligibility requirements to access their EDD assistance, or can anyone call them for help with account issues like mine? I want to make sure I don't waste time calling if there are prerequisites I need to meet first.
Hey Nia, I just went through something similar a few months back and wanted to share what worked for me. First off, definitely don't ignore those notices - that's the worst thing you can do. Here's what I learned: Start your appeal immediately but also try to get someone at EDD on the phone to clarify exactly what they're claiming. In my case, they said I had "insufficient work search" but when I finally got through to someone, they explained it was actually about not logging my job searches in their specific online portal (CalJOBS) rather than not doing enough searches. For the work search documentation issue - even if you didn't save confirmation emails, you can often go back to the company websites where you applied and screenshot your application history. Many job sites like Indeed, LinkedIn, etc. keep records of your applications. Also check your browser history for that time period - it can help reconstruct where you applied. The appeal process isn't as scary as it seems. I represented myself and just focused on being honest and organized. Gather whatever evidence you can find, write a clear timeline of what happened, and submit it with your appeal form. Even if your documentation isn't perfect, showing good faith effort goes a long way. You've got this! The system is overwhelming but lots of people successfully appeal these notices every day.
This is really helpful advice, thank you! I never thought about checking my browser history or going back to job sites to reconstruct my application history. That could actually help me piece together what I did during that period. I'm also relieved to hear that the appeal process went smoothly for you even representing yourself - that gives me more confidence to move forward with this.
I'm going through the exact same thing right now! Got my overpayment notice last week for $2,800 and I've been panicking ever since. Reading through everyone's responses here is giving me so much hope though - it sounds like appealing is definitely the way to go. I made the same mistake you did with not keeping detailed records of my job searches. I was applying to jobs but didn't think to save every confirmation email or document everything properly. Now I'm scrambling to piece together what I can find. One thing that's helping me is going through my email trash folder - I found a few automated confirmation emails from job applications that I had deleted. Also checking my LinkedIn "Jobs you've applied for" section showed some applications from that time period. We can do this! From what everyone's saying, the key is just to respond and fight it rather than giving up. I'm going to start my appeal tomorrow and it sounds like you should too. At least we're not alone in dealing with this mess!
I had something similar happen last year with my bank (BofA). The first direct deposit took almost a week, but then it was pretty regular after that. My brother has a different bank (US Bank) and his always come faster than mine do. Definitely seems bank-dependent. The card is honestly easier in some ways but I like having everything in one account.
Update: The money finally hit my account this morning - took exactly 6 business days from when I certified. Thanks everyone for the info and reassurance. Going to stick with direct deposit for now since it sounds like future payments should be faster, but definitely good to know about the credit union option!
Great to hear it finally came through! 6 business days is definitely on the longer side but at least now you know what to expect. I'm considering making the switch from the debit card myself - this thread has been really helpful in understanding the timeline. Glad you got your payment before rent was due!
Effie Alexander
I'm currently waiting for my appeal decision too - had my hearing 2 weeks ago and the anxiety is brutal! Reading everyone's experiences here is both reassuring and terrifying at the same time. It sounds like anywhere from 5 days to 8 weeks is possible depending on the circumstances. For what it's worth, the fact that the judge seemed understanding during your hearing is a really good sign. I've heard that when judges are skeptical of the employer's case, they sometimes take a bit more time to thoroughly review the evidence to make sure their decision is bulletproof. Hang in there - we're all in this together! 🤞
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Jay Lincoln
•Thank you so much for this encouraging message! It really does help to know others are going through the same anxious waiting period. You're right that it's both reassuring and terrifying to see the range of timelines people have experienced. I'm trying to stay optimistic about the judge seeming understanding - that's exactly what I'm holding onto right now. The uncertainty is definitely the worst part, but knowing there's a community of people who understand what this feels like makes it a little more bearable. Fingers crossed we both get good news soon! 🤞
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NeonNova
I went through this exact same situation about 6 months ago! My hearing was on a Tuesday and I got my decision letter in the mail the following Friday - so exactly 10 days including weekends. The judge at my hearing also seemed sympathetic to my case (employer claimed I was fired for cause when I was actually laid off due to budget cuts). What really helped my stress levels was setting up Informed Delivery with USPS so I could see what mail was coming each day. That way I wasn't obsessively checking the mailbox multiple times a day - I could just check the email preview in the morning. The decision letter comes in a standard white EDD envelope, nothing fancy. One tip: if you do win your appeal, make sure to certify for benefits immediately for all the weeks you've been disqualified. Don't wait! I made that mistake and it delayed my backpay by another week. The whole process from decision letter to first payment hitting my account took about 12 days total. Stay strong - the waiting is absolutely brutal but most people do get favorable decisions when the employer misclassifies a layoff as a quit. You've got this! 💪
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