I put about $400 into a 401k account, but the balance still says $0. Likewise, the vested balance is also $0. Why is this?

  • 3
    I'm voting to close this question as off-topic because you need to call HR or payroll or customer service. Feb 16, 2020 at 14:11
  • 2
    I think this is a valid question that others may have,. I suggest we don't close it.
    – JohnFx
    Feb 16, 2020 at 18:34
  • I don't know enough about the mechanics of a 401k to know for sure (hence am reluctant to vote to reopen), but I suspect it could be a valid question useful to others, if – for example – there's a period of a few days or so between money hitting a 401k and showing as invested, perhaps due to T+2 settlement. (Something beyond the normal processing time of a check/ACH payment).
    – TripeHound
    Feb 17, 2020 at 8:51

1 Answer 1


If this is a very recent deposit give it a few days.

For me I was paid on Friday the 14th because the 15th is a weekend day. So the pay stub noted that there was a 401K contribution from me, and the expected match amount from the company. Yet on Saturday morning it wasn't reflected in the 401K account. With Monday being a federal holiday I don't expect to see it until Tuesday.

Otherwise contact HR.

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