Another free option is using ATMs at most Target stores - they're part of the Allpoint network that others mentioned. I've also had good luck with ATMs at Costco and Sam's Club if you have memberships there. One tip that's saved me multiple times: before you insert your card at any ATM, look for the Allpoint, MoneyPass, or KeyBank logos on the machine. If you don't see any of those, it's probably going to charge a fee. Also, many banks will let you withdraw small amounts (like $20) even if it's not your bank, but always ask the teller about fees first if you go inside a branch.

Just to add one more option that's been really helpful for me - many Rite Aid locations have fee-free ATMs that work with the unemployment card. I discovered this by accident when I needed cash late at night and most other places were closed. Also, if you're ever traveling or in an unfamiliar area, you can text "ATM" to the number on the back of your KeyBank card and they'll send you a list of nearby fee-free locations. This feature has been a game changer when I'm not near my usual spots. Stay strong everyone - we're all in this together!

This is such a common issue with the NY unemployment system! I had the exact same thing happen to me about 6 months ago. The mobile site is notoriously glitchy - sometimes it looks like everything went through but the certification never actually gets recorded in their system. I learned to always screenshot the confirmation page now, just in case. The good news is that they can absolutely fix this retroactively. When you call, make sure to have the exact dates ready and explain that you completed the certification process but it didn't register. They have special procedures for these "lost certifications" and can manually enter it for you. It might take a few tries to get through to someone who knows how to handle it, but don't give up! You're entitled to that payment if you were eligible during that week.

I've been dealing with NY unemployment for over a year now and mobile certification glitches are unfortunately very common. The key thing is to call as early as possible - don't wait weeks like some people do. I always call right at 8am when they open for the best chance of getting through. When you explain the situation, use the exact phrase "my certification didn't process properly" - they seem to understand that terminology better. Also, be prepared for them to ask you detailed questions about that specific week (did you work, did you look for work, etc.) because they'll need to verify your eligibility before processing the backdated certification. The whole process usually takes about 10-15 minutes once you actually get a human on the phone, and the payment typically shows up within 2-3 business days after they fix it in their system.

I went through the exact same thing with NYS Department of Labor last year. The "pending fact finding" status is nerve-wracking when you're waiting for benefits, but it's actually a standard part of their process. In my case, they were verifying my layoff details with my former employer. The key thing is to keep filing your weekly claims like everyone mentioned - even though you won't get paid during the investigation, you'll receive back pay for those weeks once it's resolved. I also recommend setting up text alerts on your phone for any mail delivery since they often send important documents through regular mail that you need to respond to quickly. Hang in there - the waiting is the worst part but most claims do get approved once they finish their review.

I'm going through this exact same situation right now! Filed my claim about 10 days ago and it's been stuck on pending fact finding for the past week. Reading through all these responses is really helpful - I had no idea this was such a common part of the process. I've been panicking thinking I messed something up on my application. It's good to know I should keep filing weekly claims even while waiting. Has anyone here had experience with how they notify you once the fact finding is complete? Do they update the online portal or send mail first?

same boat here, filed 8 days ago and nothing yet, starting to worry something is wrong

The waiting period is definitely nerve-wracking! I went through this same anxiety a few months ago. In addition to checking the correspondence section and payment history that others mentioned, also look for any requests for additional documentation in your account - sometimes they need wage verification or separation details that can hold up the process. The good news is that 10 days is still within the normal timeframe. Most approvals I've seen (including mine) came through between days 12-18. Keep doing your weekly certifications if those are available - that shows you're actively engaging with the system even while waiting for the determination.

Not to freak you out but I'd recommend calling before your BYE hits. My account got all messed up and I couldn't certify for my last week until I talked to a rep. Better safe than sorry.

i've been through 2 BYE transitions now (covid layoff still going strong 😭). heres the deal: you gotta certify for that last week first, then file new claim. BUT expect at least 2-3 weeks before the new claim kicks in. if u need $ faster definitely call them after filing new claim. they can sometimes expedite.