My retirement check is direct deposited into my account by 12:01 a.m. the first of the month. It is 9:09 and no deposit. I called at 5:00 a.am. and was on hold for 45 min. The person who answered the call could not give me an answer as to why it had not been posted. This is not good. I have monies that are deducted to pay bills on the first. I am going to pull my hair out.