I just switched to direct deposit last month and can confirm what others are saying - you don't need to give your credit union any special bank info about NYS DOL. Just log into your my.ny.gov account, go to the payment preferences section, and enter your routing and account numbers. The state treasury handles it all on the backend. My credit union initially asked the same questions but once I explained it was a government ACH transfer, they said that was fine and didn't need any originating bank details.

Just want to add that if you're having trouble accessing your my.ny.gov account to set up direct deposit, make sure you have your social security number and PIN ready. Sometimes the system locks you out if you enter the wrong info too many times. Also, double-check your bank's routing number - I made a typo the first time and it delayed my setup by another week. The customer service rep told me that most issues with direct deposit setup are due to incorrect routing numbers rather than any problems with the banking system itself.

I'm so glad I found this thread! I'm having the exact same issue with my weekly certification - the system keeps asking about self-employment even though I worked as a regular W-2 employee at a dental office that had to close due to financial problems. I did some freelance photography work about a year and a half ago, which based on everyone's responses here is probably what's triggering the flag. It's such a relief to see that this is a common problem and that people are getting it resolved quickly once they reach an agent. I'm definitely going to try calling at 7:30 AM tomorrow using the number provided. Maya, thank you for posting this question - you've created such a helpful resource for all of us dealing with these confusing system glitches! Dylan, congratulations on getting yours resolved so fast. It gives me hope that mine will be sorted out just as quickly. I'll make sure to have my 2023 tax documents ready just in case they need verification of the photography work.

I'm dealing with this exact same issue right now! My certification keeps getting stuck on the self-employment question even though I was a regular employee at a clothing store that closed in February. I also did some Shipt shopping deliveries back in 2022, so reading everyone's experiences here, that's probably what's causing the system to flag my account. It's such a relief to know this is a common problem and not something I did wrong! Dylan, your success story this morning is so encouraging - I'm definitely going to try calling at 7:30 AM tomorrow with my old 1099 forms ready just in case. Maya, thank you so much for posting this question. This thread has been incredibly helpful and has really eased my anxiety about the whole situation. It's amazing to see how many people are going through the same thing and how quickly it gets resolved once you reach an actual agent who can explain what's happening and fix the flag.

I had this exact same issue a few months ago! Turns out my account had been temporarily locked due to "suspicious activity" (which was just me trying to log in too many times with what I thought was the correct PIN). What finally worked for me was calling the technical support line specifically (not the general unemployment line) and explaining that I couldn't access my account despite being certain my PIN was correct. They were able to unlock it immediately and walked me through resetting it. The tech support number should be listed separately on your state's unemployment website. Hope this helps!

I went through this nightmare last month! What worked for me was actually going to the local unemployment office in person. I know it's a pain, but the staff there were able to reset everything on the spot and verify my identity right away. Sometimes these online systems just get stuck in weird loops. Also, make sure you're not using any browser extensions or ad blockers when you try to log in - those can sometimes interfere with government websites. If you do decide to go in person, bring your ID, Social Security card, and any unemployment paperwork you have. Good luck!

Just want to add some reassurance from another perspective - I work in HR and have helped employees through several business closures over the years. The unemployment system is actually very well designed for exactly this scenario. Your employer has been paying quarterly unemployment insurance taxes based on your wages for as long as you've worked there, so those funds are already secured in the state trust fund regardless of what happens to the company financially. The NYS Department of Labor processes business closure claims routinely - they see it as one of the clearest cases for benefit eligibility since it's obviously not the employee's fault. Make sure to keep any documentation about the closure (emails, notices, etc.) just in case, but in my experience these claims get approved smoothly. The main thing is don't delay filing once your separation date is set.

I went through this exact situation about two years ago when my retail company suddenly announced they were closing all locations. I was terrified I wouldn't get benefits, but it turned out to be one of the smoothest unemployment claims I've ever filed. The NYS Department of Labor actually prioritizes business closure cases because there's no question about fault - you're not being fired for cause or quitting voluntarily. I had my first payment within about 10 days of filing. The only hiccup I had was that I initially forgot to mention I had some unused vacation time that got paid out, which delayed my start date by a week. Just be completely honest about any final payments you receive and you'll be fine. The system really does work as intended for situations like this!

I've been following this thread and wanted to add a few more resources that helped me when I was denied UI benefits last year. First, check if your area has a 211 resource guide website - you can search by zip code for local assistance programs. Second, many utility companies have hardship programs that can reduce or defer your bills while you're between jobs - call them directly and ask about payment assistance options. Third, if you have any medical expenses, hospitals are required to have charity care programs that can reduce or eliminate bills based on income. Also wanted to mention that some libraries offer free career counseling and computer access for job searching. The librarians often know about local resources too. Keep your chin up - navigating all these systems is overwhelming but there really are safety nets out there once you know where to look!

I'm sorry to hear about your situation - being denied unemployment benefits when you're already struggling financially is really tough. I went through something similar a few months ago and what helped me was applying for multiple programs at once rather than waiting for one to come through. In addition to what others have mentioned, I'd suggest checking if your county has a "211" website where you can search for local resources by category. Also, many churches and community organizations have emergency assistance funds even if you're not a member - they often help with rent, utilities, or groceries without a lot of red tape. Food pantries can really help stretch your budget too. Don't forget to keep documenting everything for your potential appeal - sometimes employers don't report all wages correctly to the state. I know it feels overwhelming right now, but there are more resources available than you might think. Take it one day at a time and don't be afraid to ask for help - that's what these programs are for!