I work at a bank and can give you some insight into why these transfers take so long. When you transfer from Money Network to Navy Federal, it goes through the ACH (Automated Clearing House) network, which only processes batches at specific times during business days. Your Friday afternoon transfer won't even enter the queue until Monday morning, then it typically takes 2-3 business days to fully clear. Navy Federal, being a credit union, is actually pretty good about processing ACH transfers quickly compared to some bigger banks. The frustrating part is that the technology exists to make this instant (like Zelle or wire transfers), but the traditional ACH system is cheaper for institutions so they stick with it. For future reference, if you have a true emergency, you can always do a wire transfer which processes same day, but there's usually a $15-25 fee involved.

I've been through this exact same situation multiple times with Navy Federal! The 3 business day rule is unfortunately very consistent. Since you initiated on Friday afternoon, Monday is day 1, Tuesday is day 2, and Wednesday should be when it hits your account. I know it's stressful when bills are due, but Navy Federal is actually one of the more reliable ones for sticking to that timeline. In the meantime, you might want to check if Navy Federal offers any overdraft protection or if your landlord accepts online payments that might give you a few extra days buffer. Hang in there - Wednesday should be your day!

I went through this exact same situation a few weeks ago! Here's what worked for me: First, try logging into your SDI Online account and look under "Claim Status" or "Benefit Information" - sometimes the remaining balance is displayed there. If you can't find it online, I'd recommend using the secure messaging feature before calling. I sent a message asking for my remaining SDI balance and got a detailed response within 3 business days showing exactly how much I had left and when my benefit year expires. It saved me from the nightmare of calling and waiting on hold. The EDD representatives are actually pretty helpful through the messaging system. Just make sure to include your full name, claim number, and specifically ask for your "remaining SDI benefit balance and benefit year end date" in your message. Good luck! 🤞

I actually just went through this process last week! The SDI Online portal is definitely your best bet - I found my remaining balance under the "Claim Summary" section. If you're having trouble locating it there, try looking under "Payment History" where it shows your total benefit amount and what you've already received. You can do the math from there. The secure messaging feature is also clutch - I used it to ask about my benefit year end date and got a response in 2 days. Way less stressful than calling! Just make sure you're logging into the official CA.gov SDI site and not any third-party sites. Hope this helps! 💪

I'm so grateful I found this thread! I'm currently going through the exact same situation - had my phone interview 6 days ago and my status changed to "no weeks to certify" yesterday. I was absolutely panicking thinking I'd been denied, especially since those first two weeks still show as "disqualified." Reading through everyone's experiences here has been such a relief - it's clear this is EDD's broken standard process rather than actual rejections. The consistency in what we're all experiencing is both reassuring and infuriating. It really shows how badly EDD communicates with claimants when so many of us go through identical situations with zero explanation. Based on all the success stories here, especially seeing how Ella's "disqualified" weeks eventually flipped to paid status, I'm feeling much more hopeful about my situation. I'm definitely going to try calling this week instead of just waiting around stressing. The advice about being proactive rather than waiting their full timeline seems to be key. Thank you to everyone who shared their experiences - this community support is exactly what people need when dealing with EDD's confusing system!

This thread has been incredibly helpful for understanding what's actually happening with EDD claims! I'm dealing with a very similar situation right now - had my interview 11 days ago and my status changed to "no weeks to certify" about a week ago. Like everyone else here, I was convinced I'd been denied and was starting to panic about my finances. What really stands out to me is how consistent everyone's experience has been - the exact same status progression from "pending review" to "no weeks to certify" followed by these system flags that need manual clearing. It's honestly mind-blowing that EDD doesn't explain this is their standard process. We're all left here piecing together how their system works from each other's experiences! Reading through Ella's success story and seeing how many others have had their "disqualified" weeks flip to paid status once the flags were cleared gives me real hope. The advice about calling instead of waiting the full timeline seems to be crucial - it's frustrating that we have to be so proactive just to get our own claims unstuck, but at least there's a clear path forward. I'm planning to call tomorrow based on all the success stories here. Thank you to everyone who shared their experiences - this community support is exactly what people need when dealing with EDD's broken communication system!

Just wanted to chime in as someone who's dealt with this before - the direct URL workaround Miguel shared is gold! I've had this exact same login button issue multiple times over the past year and that method has worked every single time. Pro tip: I'd recommend everyone bookmark that direct login URL now while it's working, because this seems to be a recurring problem with EDD's main page. Also, if you're on mobile, sometimes switching between the mobile site and desktop version can help too. Really glad people were able to get their certifications done! Missing those deadlines is so stressful when you're already dealing with financial pressure.

I'm so glad to see this thread with all the helpful solutions! I've been lurking in this community for a while as someone who's had to navigate EDD issues, and this is exactly the kind of collaborative problem-solving that makes such a difference. The direct URL workaround is brilliant - I just bookmarked it myself even though I'm not currently having login issues, because based on what everyone's saying, this seems to be a recurring problem. It's really frustrating how these technical glitches always seem to happen at the worst possible times when people are already stressed about finances. But seeing everyone jump in to help each other with different solutions (Edge browser, disabling adblockers, direct URLs, phone certification) really restores my faith in community support. For anyone still having issues, I'd also suggest trying to clear your browser's SSL state/certificates if the other solutions don't work - sometimes that can resolve certificate-related login problems too. You can usually find this under your browser's advanced security or privacy settings.

This thread is absolutely incredible - I can't believe how much helpful information is packed in here! I'm currently on week 5 of 7 penalty weeks and honestly was starting to panic about whether I'd ever actually see payments. Connor, your success story is exactly what I needed to hear right now - the fact that you got PAID status on both weeks immediately after seeing "waiting period served" gives me so much hope! I had no idea that the "waiting period served" message actually meant you were DONE with everything rather than facing another delay. EDD's messaging system is truly terrible - how is anyone supposed to understand that without coming to communities like this? The explanation that it covers both penalty weeks AND the standard one-week waiting period makes perfect sense now. Just 2 more weeks to go for me and I'll be watching for that magical message! Thanks to everyone who shared their experiences here - this community knowledge is invaluable for navigating EDD's confusing maze of statuses and messages. Definitely bookmarking this thread for future reference!

This thread has been such a lifesaver! I'm currently on week 2 of 6 penalty weeks and was getting really worried about how the whole process works. Connor, congratulations on finally getting your payments - your story gives me so much hope that there really is an end to this! The explanation about "waiting period served" meaning you're done with BOTH penalty weeks AND the standard waiting week is incredibly helpful. I had no idea how EDD processed these things sequentially. It's honestly ridiculous how confusing their messaging system is - "waiting period served" really does sound like you have to wait MORE rather than being done with everything! I've been religiously certifying every two weeks even though I know I won't get paid during penalties, and reading everyone's experiences here confirms that was the right choice. Only 4 more weeks to go for me! This community knowledge is so much better than anything I could find on EDD's official website. Thanks to everyone who shared their experiences - it really helps those of us still going through the process feel less alone in navigating this confusing system.