How long does NY unemployment take to replace a lost debit card?
I misplaced my unemployment benefits debit card last week while moving apartments. I've searched everywhere and it's definitely gone. I called the bank right away to report it lost (on September 3rd) and they said they'd send a replacement. It's been 9 days now and still nothing in the mail. I'm starting to get worried because I have about $1200 sitting on that card that I really need for rent and bills. Has anyone gone through this process before? How long should I realistically expect to wait for the new card to arrive? I'm checking my mailbox obsessively every day and starting to get desperate. The customer service rep said 7-10 business days but I'm worried it might take longer with all the mail delays lately.
36 comments


Shelby Bauman
Ugh I went thru this back in June. My card got stolen from my mailbox (I think) and I had to wait almost 2 weeks for the new one. Called every single day and got different answers each time. So frustrating! Eventually it showed up but those were the longest 13 days of my life. Just keep calling them.
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Josef Tearle
•13 days?! That's even worse than I feared. Did they at least expedite the shipping when you kept calling or did they just tell you to wait?
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Shelby Bauman
•They SAID they would expedite it after like the 5th day of me calling but idk if they actually did anything. The whole system is a mess honestly
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Quinn Herbert
•I think they just say that to get u off the phone tbh. They told me same thing but took 2 weeks anyway 🤷♀️
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Salim Nasir
I was in this exact situation last winter. I spent HOURS trying to call that stupid bank number that never connects you to anyone. Finally found this service called Claimyr (claimyr.com) that got me through to an actual human at the bank. Explained my situation, they rushed my card and I had it in 3 days. Seriously talking to an agent got my $ unlocked so fast, it was the only way I could talk to a live agent. Check out this video too: https://youtu.be/Rdqa1gKtxuE
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Hazel Garcia
•Does this actually work? Sounds too good to be true with how impossible it is to reach anyone at NY unemployment
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Salim Nasir
•Yeah it works! I was super skeptical too but I was desperate after trying for days. They basically call and wait on hold for you, then connect you when a real person picks up.
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Laila Fury
•another 'miracle solution'... what's the catch? 🙄 these things never work
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Salim Nasir
•No catch, they just do the waiting for you. I was about to lose my mind sitting on hold for 4+ hours. This saved my sanity and got my card issue fixed WAY faster
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Geoff Richards
•not falling for another unemployment 'hack'... these never work for me
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Salim Nasir
•I get the skepticism, but this isn't a hack - it's just a service that handles the hold time. You still talk to the same reps, just without the 3 hour wait. Saved my butt when I needed that money
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Simon White
I lost mine in April. Called the bank and they sent a new one. Took exactly 8 business days for me to get it. Hang in there! 👍
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Hugo Kass
TIP: Call them and ask to EXPEDITE the card! They dont tell you this but you can get it rushed for like 2-3 days instead of the regular 7-10. I did this last month and it helped a lot.
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Josef Tearle
•Thanks for the tip! Do they charge extra for expedited shipping? I'll definitely try calling tomorrow.
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Hugo Kass
•they wanted to charge me $15 for the rush but i explained i was in a really tough situation and they waived it! just be nice to the rep and explain your situation
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Nasira Ibanez
The whole NY unemployment debit card system is garbage. I've had three issues with mine in the past year. Keep all your info ready when you call - they'll want to verify everything. And FYI they only count business days for their timeframes, not weekends. It usually comes on the last possible day they quote you 🙄
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Khalil Urso
•THIS!!!! They always say 7-10 days but it's business days which is actually 2 weeks in real human time lol
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Myles Regis
Here's what worked for me. I called the number on back of my old debit card (I still had it even though it was damaged). Then I selected the option for lost/stolen card. Waited about 30 min to reach someone. They verified my identity and sent rush delivery. Got it in 3 business days. If you don't have your old card, check your paperwork for their customer service number.
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Josef Tearle
•I don't have the old card anymore, that's the problem. I've been calling the general customer service number they gave me when I reported it lost.
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Brian Downey
Yeah btw you can go to any bank branch in-person and they can give you a temporary card sometimes! My cousin did this when he lost his. Not all branches do it but worth asking.
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Jacinda Yu
•This is NOT true for unemployment debit cards in NY. They're issued by KeyBank and you CANNOT get a temporary card in branch. I tried this and wasted half a day.
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Brian Downey
•oh shoot my bad, i must be thinking of regular bank debit cards. sorry for the misinformation!
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Landon Flounder
After dealing with the NY unemployment system for over a year, I've learned a LOT about how to navigate their debit card issues. Here's my comprehensive advice: First, document everything. When you called, who you spoke with, what they promised. This matters if things go wrong. Second, yes, standard processing is 7-10 business days, but that often stretches to 12-14 actual days with current postal delays. Third, if you need faster access, you have options: - Request expedited shipping (usually 3 business days, may cost a fee) - Ask about direct deposit to your bank account instead - In true emergencies, some offices can arrange a one-time payment method Fourth, reaching a human is the hardest part. Regular phone lines are hopeless. I used claimyr.com after wasting days trying to get through. They got me connected to a real person who actually fixed my issue. Lastly, while waiting, go ahead and set up direct deposit for future payments if you haven't already - it's much more reliable than the card system. Hope this helps! The system is frustrating but there are ways through it.
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Josef Tearle
•Thank you so much for this detailed response! I'll definitely look into the direct deposit option for future payments. That sounds way more convenient than dealing with this card nonsense.
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Callum Savage
•This is really helpful info. How does that claimyr thing work exactly?
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Landon Flounder
•It's pretty simple - you go to claimyr.com, they call the agency for you and wait on hold (which can be hours), then they call your phone when they get a human on the line. Saved me so much time and frustration.
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Ally Tailer
Bruh i waited 3.5 weeks for my replacement card 😭 NY unemployment is the worst
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Aliyah Debovski
If you have immediate need for funds while waiting, call and explain your situation. Sometimes they can do a one-time direct deposit to your bank account. Worked for me when I was about to miss rent deadline last year.
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Miranda Singer
•Really? Nobody told me this was an option! Did you have to talk to a supervisor or something?
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Aliyah Debovski
•Had to be transferred to a specialist after explaining my hardship situation. Took some persistence but they have emergency protocols.
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Cass Green
can confirm its usually 7-10 business days but they say that even when they know the system is backed up. my roomate just went thru this and it took almost 3 weeks 🤬
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Finley Garrett
PSA: While ur waiting for the new card, make sure u froze the old one properly! My card got stollen and some1 withdrew $600 before I realized. The bank did refund it but took like 30 days to investigate.
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Josef Tearle
•Yes I definitely froze it immediately! That's terrifying that someone was able to withdraw money from yours though.
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Madison Tipne
one thing nobody mentioned - when u DO get the new card, you have to activate it AND set a new PIN before you can use it. I didn't realize this and tried using mine at an ATM like 5 times and got locked out 🤦♂️
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Paige Cantoni
I'm going through this exact same nightmare right now! Lost my card 6 days ago and I'm checking the mailbox like a crazy person every single day. Reading through all these responses is both helpful and terrifying - sounds like it could be anywhere from 8 days to 3+ weeks depending on how backed up they are. I'm definitely going to try calling tomorrow to ask about expedited shipping like @Hugo Kass suggested. The fact that some people had to wait almost a month is just insane when you're relying on that money for basic necessities. Thanks everyone for sharing your experiences, at least now I know I'm not the only one dealing with this mess!
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Libby Hassan
•Ugh, I feel your pain! I'm in the exact same boat - lost mine 4 days ago and I'm already going crazy waiting. The fact that some people waited 3+ weeks is making me really anxious since I've got rent due next week. Definitely gonna try that expedited shipping trick too. At least we're not alone in this mess! 😩
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