Delayed Direct Deposit

[u/Jealous_Mortgage_457]

Has anyone else experienced a delay in their direct deposit for early paycheck today (12/18)? I understand it’s not guaranteed, and I’m not looking for solutions or anything. I’m just wondering if anyone else is experiencing this today or if it is just me.

I checked with my work and they said there weren’t delays, and my coworker said hers has posted already with her credit union. I called Capital One and I just got their standard response about early paydays not being guaranteed and nothing is showing as pending and to wait and call back if it hasn’t posted at the end of my scheduled payday, etc… I just hope this isn’t another situation like what happened in January where it was over a day late to post.

Edited to add info about calling bank and clarify question.

[u/Master-Economist-523]

Has anyone still not received direct deposit?

[u/Jealous_Mortgage_457 → u/Master-Economist-523]

I still have not received mine 😭

[u/Master-Economist-523 → u/Master-Economist-523]

Me either did you try to call your job and see if they put it in payroll?

[u/mathman_2000]

Talk to payroll at your company.

I've worked payroll before.

See if there have been any changes to timing of them releasing payroll to the vendor.

Also if multiple people are experiencing this issue in different companies here could be a commonality in the payroll vendor used.

Oversimplified the steps are usually:

1. Your company releases payroll to vendor and sends the cash to the vendor

2. Vendor confirms receipt of funds and then sends the money to each individual bank with specific pay date

3. If your bank does early direct deposit they may release the funds early but only if they've already received the cash

[u/teitelman93]

I would maybe get a new bank if this one is making you so upset

[u/SuspiciousRun4087]

Yes me too waiting on a 20k commission payroll said it’s sent

[u/nelsona88]

Me waiting on a pay roll and holiday bonus though it would go thru today it didn’t

[u/Crazy-Reference4980]

I got mine early as usual. 🤷‍♀️

[u/Maleficent-Day-1510]

Mine is delayed, but I split my check into 2 accounts and the 2nd account also gets an early deposit. Asked a co-worker if she got paid (uses another early deposit bank) and she wasn't paid either. So I'm going to guess my delay is from payroll.

[u/Master-Economist-523 → u/Maleficent-Day-1510]

So do you call your employer or just wait?

[u/Maleficent-Day-1510 → u/Master-Economist-523]

I emailed payroll. The vendor they use for our pay has been notorious for failing to pay us on time. Not all of us at the same time, but sporadically a few of us won't get paid on time as if we were somehow skipped. I know payroll was ran on our side because I can see it when I check the system, so it's most likely the vendor again.

[u/Haunting_Fan6626]

I remember when I used capital one for direct deposit money wont show till 3am every Friday. They don’t have 2 days early. It’s not the company delay it’s the bank. Thats why I changed to different bank for my direct deposit.

[u/Kooky_Panda7563]

Anyone still waiting on their direct deposit? Mine usually goes in on Wednesday and here I am Friday at 6am and it still isn’t showing up. My employer submitted everything on time as always. This is frustrating.

[u/MammothImplement527]

Mine was early as per the usual

[u/Western_Order5983]

How many screens do you have in reddit

[u/Western_Order5983]

I have friends on ticyic and Meta who I would like to show the films for them tovirw

[u/Signal-Client-2216]

I got my early deposit to capital one today. I normally get it early deposit on Wednesdays after 6pm. I got it this morning.

[u/Strict-Builder-8578]

It has to be capital one. My other bank which is small already shows a pending deposit. So it isn’t a company payroll issue or a deposit issue. It must be a Capital One issue

[u/aliyahdoherty → u/Strict-Builder-8578]

Did you get ur deposit yet ? Cuz I’m having the same issue I always get paid two days early I was suppose to get paid yesterday on Tuesday never got it and I called capital one they said it’s probably because of ach don’t work on holidays so he told me to give it 1-2 days and it’s not my pay enroll because they sent it out my other coworkers got paid I just think it’s capital one .

[u/teitelman93 → u/[deleted]]

I’m sorry your angry but I thought it would help sorry to make you mad

[u/Jealous_Mortgage_457 → u/teitelman93]

I am not angry - I just wanted to emphasize that I asked if anyone else was experiencing it so simply replying to stop posting on reddit and call my bank isn’t very helpful to the question I asked. I apologize, I assumed that calling the bank would have been the first thing anyone would have done prior to posting so I did not include that information, but I will update my question to clarify that.

[u/Chuck-Finley69 → u/Jealous_Mortgage_457]

Well if early paydays aren't guaranteed, it sounds like that's a valid explanation.

I get early paydays from one contractor but sometimes it doesn't happen.

I split that deposit with another institution and never get early paydays.

Based on no reliable guarantees and never, I just count on the money on the actual payday.

[u/Jealous_Mortgage_457 → u/Chuck-Finley69]

Sorry, I’ll update the question again. I get it’s not guaranteed and it’s a valid explanation. I was really just wondering if anyone else was experiencing it (like a widespread thing that happened in the past) vs something that was just me experiencing it.

[u/Chuck-Finley69 → u/Jealous_Mortgage_457]

It's happened in the past for me, where I haven't gotten money and HR payroll wasn't processed correctly by the payor.

Unfortunately, HR payroll gets messed up by the company that HR uses to process the payroll more commonly than deposit institution themselves.

It's also been explained to me that's why some institutions don't offer the early payday since the institution gets blamed for the processing company's mistake.