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It seems as those mostly people do not know what they’re saying. To give an example last month my payday was on the 16th by social security. I was paid on the 11th by chime banking. This is due to the fact that chime pays you when they receive the electronic data that the social security office sends to them. Don’t listen to the others because you’re just giving you generic answers to get posts
Your funds are available on your payment date. If your bank works like mine, they credit it first before debits during their nightly reconciliation. I have seen my funds become available just a few minutes after midnight.
Since all the upgrades in recent years with direct deposit, the bank is aware of the deposits beforehand and it automatically pops into your account to become available on your payday.
If your payday is going to land on a weekend or holiday, it will be credited to your account on the last business day before the weekend or holiday so your funds ate not delayed.
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Typically between 1: 00 and 4: 00. Deposits made after 4: 00 may not be credited till the following day.
SSA releases it at 12: 01am the day before your “date of payment, except if the 1rst (SSI) or 3rd (RSDI) falls on Sat & Sun; then at 12: 01am on the PRIOR Fri. (Some banks & “cards” “advance” it early,) Everyone else gets theirs on a Wed; so same as above with the 12: 01am.
By 2: 00 am for me on the 3rd
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In the UK, three days after signing.
If you sign on a Monday, you should receive good payment on the Thursday morning. That is because the DWP in the UK went paperless many years ago and now all payments are made electronically by BACS, straight in to a bank account.
This was done in part to cut down the paper floating around, but also the fact that more “Giros” were getting lost in the post or intercepted. As technology has progressed and the banking system more reliable, Electronic Funds Transfer is far safer and is cleared funds that morning, where as a Giro had to be cashed a Post Office and paid in over the Counter, or if you paid it in as a cheque took five days to clear (because Giro Cheques in the UK Clear through the Bank of England).
However it is worth checking your account on the day it is due, as there are times when the BACS file corrupts or the person who signed you did not release the funds from their computing suite.
It depends on when you apply for benefits. I believe you can apply for retirement benefits 6 months before your retirement date. Depending on your birthday, your benefits will be sent electronically to your bank at least 2 days before the due date. You can check everything online at SSA.gov. Hope this helps.
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You should have received a letter advising you when your check will be deposited. If you didn’t, you may find it on your award letter that you should receive once you filed for benefits.
It is an Electronic Fund Transfer to the ACH (Automated Clearing House) servicing your bank. The deposit must be made available in your account as of the time the bank opens on the day the payment is due. Some banks go ahead and deposit it as soon s they get it, but that is up to their policy.
Of course, if you have overdrafts and owe the bank money, they’re going to collect it from that deposit. They have a legal right to do that and you will not be reimbursed by SSA for those funds.
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