This thread has been super informative! I'm actually in HR at a small company and we get questions about this from new employees all the time. One thing that might help clarify - New York employers pay unemployment insurance taxes at both the state level (to NYS Department of Labor) and federal level (FUTA). The state rate varies based on the employer's experience rating, but employees never see any of this on their paystubs. We always tell new hires that if they don't see an unemployment deduction, that's exactly what they should expect to see!

As someone who recently went through the unemployment claims process in NY, I can confirm everything mentioned here is accurate. When I filed my claim with NYS Department of Labor, they calculated my benefits based solely on the wages my previous employers had reported - there was no mention of any employee contributions because there aren't any. The whole system is employer-funded through their unemployment insurance taxes. Just make sure your employers are correctly reporting your wages each quarter, since that's what builds your eligibility and determines your benefit amount if you ever need it.

I actually just went through this exact process about 2 months ago! Switched from Wells Fargo to a credit union because of their outrageous maintenance fees. Here's what I learned: Submit your banking change right after you get your current payment (like on a Monday or Tuesday), then wait at least 2 full weeks before filing your next claim. My change took 8 business days to process, but I waited the full 2 weeks to be absolutely certain. The most important thing - and I cannot stress this enough - is to call and verify the change went through before you file again. I used claimyr.com like others mentioned here and got connected to a rep in about 15 minutes. She confirmed my new account was showing in their system and even gave me a confirmation number to write down. Also, DO NOT close your old account until you've received at least 3 payments successfully in your new account. I thought 1 payment would be enough but then had a random backpay adjustment that went to my old account 2 weeks later. Would have been a nightmare if I'd already closed it. The waiting sucks when you're trying to escape those bank fees, but trust me - a few extra weeks of fees is way better than dealing with lost payments and the stress of trying to track down your money in their broken system. Good luck!

I switched my direct deposit with NY unemployment about 3 months ago and it was honestly way less scary than I thought it would be! Here's my timeline: Updated my info on a Thursday morning right after my payment hit, used claimyr.com to call and confirm it was in their system on Friday (got through in like 20 minutes which was amazing), and the change was fully processed by the following Wednesday - so about 6 business days total. My strategy was to update right after receiving a payment, then skip filing for one full week just to be 100% sure everything was working. Yeah I missed one week of payments but it was worth the peace of mind. When I filed the following week, boom - payment went straight to my new credit union account with no issues. One thing that really helped was keeping a detailed log of everything - when I submitted the change, confirmation numbers, when I called, what the rep told me, etc. The unemployment system can be so unpredictable that having that paper trail made me feel way more confident about the whole process. Definitely keep your old account open for at least a month after the switch though! I had a random overpayment adjustment come through 3 weeks later that went to my old account. Would have been a total mess if I'd closed it already. Good luck with your switch - those bank fees are the worst when you're already dealing with unemployment stress!

I just went through this exact same process a few weeks ago! The waiting period after your first certification is definitely nerve-wracking, especially when you have bills due. In my experience, NYS unemployment payments typically arrive within 2-3 business days after certifying. Since you filed on Sunday, you should see the money by Tuesday or Wednesday. One thing that helped me was setting up text alerts through my bank so I'd get notified immediately when the direct deposit hit. Also, make sure you have the my.ny.gov app downloaded - it makes it much easier to check your payment status and certify each week. The good news is once you get into the routine, the timing becomes pretty predictable. Hang in there!

I'm going through the same exact situation right now! Just got laid off from my retail job and finally got my unemployment claim approved last week. Filed my first weekly certification on Monday and I'm anxiously waiting for the payment to hit my account. Reading everyone's responses here is really reassuring - sounds like I should expect to see the money by Wednesday or Thursday. It's so stressful when you're depending on that first payment to cover rent and groceries. Thanks Jessica for asking this question, and thanks to everyone sharing their experiences with the timing. It's really helpful to know what to expect from the NYS Department of Labor payment schedule!

same thing happened to my cousin but with a different reason for denial... the whole system is set up to deny people first and make you fight for what you deserve

I just went through this exact same situation 3 months ago! Here's what worked for me: First, don't panic about the 30-day deadline - you have time. Go to your ny.gov unemployment account and look for "Appeals" or "Request Hearing" - it should be pretty obvious once you're logged in. When you fill out the appeal, be very specific about why the misconduct determination is wrong. In my case, I attached my termination letter and an email from HR confirming it was a layoff due to company restructuring. The hearing itself was actually easier than I expected - just be honest and stick to the facts. Also, definitely keep certifying for weekly benefits even while your appeal is pending, because if you win, you'll get all that back pay. The whole process took about 6 weeks for me from filing the appeal to getting the decision, and I did win. You got this!

This thread has been incredibly helpful! I'm a new member here but unfortunately not new to NY unemployment issues. I just had my claim put on hold yesterday for the exact same reason - answered a questionnaire about a brief job I already reported back in January, and now they want to "review" everything again. Reading through everyone's experiences here gives me so much relief knowing this is a widespread system issue and not something I messed up. @Arjun Kurti congratulations on getting it resolved! And @Dylan Evans your advice about keeping detailed documentation is spot on - I learned that lesson the hard way during my initial claim process last year. I'm definitely going to try the Claimyr service that @Diego Fisher mentioned, especially after seeing multiple success stories here. The regular phone lines are absolutely impossible - I spent 6 hours on hold yesterday and got disconnected right when I thought I was about to reach someone. It's honestly shameful that we have to find workarounds and third-party services just to reach our own state agency, but I'm grateful this community exists to share these solutions. Thank you all for the detailed advice and for showing that persistence does pay off eventually!

This is exactly what happened to me last week! Same situation - brief temp job that I had already reported properly months ago, got the weird questionnaire asking about it again, and boom - account on hold. I was panicking thinking I'd have to wait another 6+ months like my initial claim. I ended up using the Claimyr service that @Diego Fisher mentioned after reading about it here, and honestly it was a lifesaver. Got through to an actual NYSDOL agent in about 30 minutes (compared to the 4+ hours I'd been trying on the regular line). The agent was super understanding and explained that these automated secondary reviews are happening constantly right now - apparently their fraud detection system got way more aggressive in 2025 and keeps flagging legitimate claims. She cleared my hold immediately once I explained the situation and confirmed that I had already reported that employment period correctly. The whole call took maybe 10 minutes once I got through. @Arjun Kurti I'm so glad you got yours resolved too! For anyone else dealing with this nightmare, definitely keep all your documentation handy like @Dylan Evans suggested, and don't be afraid to try alternative methods to reach them. The system is broken but there are ways around it if you're persistent enough.