How long does NY unemployment take to update direct deposit to my new bank account?

When I updated my banking info with unemployment last April, it took about 4-5 business days for the change to take effect. I'd suggest waiting to file until at least a week after you submit the new account info, just to be safe. The system is slow and you dont want your payment bouncing around.

After struggling to update my banking info and waiting forever on hold to talk to someone, I found this service called Claimyr.com that got me connected to an actual human at unemployment in about 20 minutes. Seriously saved me so much stress and time! Once I got through to a rep, they updated my account right away and my payment went to my new bank by the next cycle. Check out their explainer video: https://youtu.be/Rdqa1gKtxuE

The official answer on the NYSDOL website says 3-5 business days, but LOL at trusting anything they say about timing 🤣 My buddy waited almost 3 weeks. I'd keep your old account open until you confirm the new one is working if possible.

IMPORTANT: Make sure you update your info AFTER receiving your current week's payment but BEFORE filing for your next week. That way your current payment is safe and the next one has time to process with the new info. Learned this the hard way when my payment got delayed for almost a month because of timing it wrong.

Here's what you need to know about changing your direct deposit with NY unemployment: First, don't close your old account until you've confirmed a payment has successfully gone into your new account. The system typically takes 5-7 business days to process banking changes, but it can take longer depending on system delays or backlog issues. When updating your info: - Log in to your online account at labor.ny.gov - Go to your payment method settings - Enter your new account info VERY carefully (double-check everything) - Submit the change and save any confirmation number After submitting the change, I recommend calling to confirm it was processed correctly. Getting through on the phone is nearly impossible using the regular number, so I used claimyr.com which connected me to an agent who confirmed my change was in the system. There's no notification system to tell you when the change is complete, so you'll only know for sure when you see a payment in your new account. For safety, I'd recommend waiting at least one full payment cycle before closing your old account. Hope this helps!

Don't listen to these people saying it only takes a few days. The system is completely FUBAR right now. Took them 32 days to process my bank change. THIRTY-TWO DAYS! And I never got any notification, just had to keep checking. Keep your old account open if you can.

wHy ArE yOu ChAnGiNg BaNkS iN tHe MiDdLe Of ClAiMiNg UnEmPlOyMeNt?!?! 🤡 jk I did the same thing last year. Chase was charging me $35 overdraft fees while I was waiting for my benefits. The system took about 10 days to update for me. good luck!

If your worried about the timing, you should file this week as normal but dont close your old account yet. Then update your direct deposit after this weeks payment hits. That way you dont miss any weeks while waiting for the change to go thru.

the whole ny unemployment system is broken af anyway. better off just keeping both accounts open for a month to be safe. i've seen people lose benefits for weeks because of 'system errors' during bank changes.

hey btw if ur planning to close ur old account make sure ur tax refund isnt being deposited there too! i made that mistake and had to wait 6 months to get my tax refund re-issued 😭

I work at a bank (not giving financial advice just sharing what I've seen). Most customers who change direct deposits for government benefits keep their old account open for at least 30-45 days as a safety net. Government systems are notoriously slow to update banking info.

Make sure to CALL and confirm the change! The website said my change was processed but the next payment still went to my old account. Had to call and manually confirm with a rep that everything was updated correctly. Waste of time but necessary with this broken system.

Just went through this exact situation last month! Updated my direct deposit info on a Tuesday and it took exactly 8 business days for the change to go through. The key thing is DON'T file your weekly claim until you're 100% sure the new account is active in their system. I made the mistake of filing too early and my payment got sent to my old account that I had already closed - took 3 weeks to get it sorted out with multiple calls. Also, when you update your info online, take a screenshot of the confirmation page because their system doesn't always save changes properly. Would definitely recommend keeping your old account open for at least 2-3 weeks after the first successful payment hits your new account, just to be safe.

Just a heads up - I switched my direct deposit last year and learned the hard way that you should also update your banking info with the IRS if you're expecting any tax refunds or stimulus payments. They use the same account info from your last tax return, so if you close your old account before updating that too, you could be waiting months for a paper check instead. Also, some people don't realize that if you have state tax refunds coming, that's a separate system from federal taxes that also needs to be updated. Better to keep a list of everywhere your banking info is used before making the switch!

Just wanted to add my experience from updating my direct deposit with NY unemployment back in September. It took exactly 6 business days for the change to go through, but here's what nobody tells you - they don't update it immediately after you submit the form online. I found out (after calling multiple times) that they batch process banking changes once or twice a week, so depending on when you submit, you might be waiting for the next processing cycle. My advice: submit the change right after you receive your current week's payment, then wait at least 10 business days before filing your next claim. Also keep detailed records of when you submitted the change because if something goes wrong, they'll ask for exact dates. The system is definitely not perfect but if you're patient and don't rush the timing, it should work out fine.

I just went through this same exact situation with NY unemployment in December! Here's what worked for me: I updated my direct deposit info on a Wednesday right after receiving that week's payment, then waited a full 2 weeks before filing my next claim. The change actually went through in about 7 business days, but I wanted to be extra cautious after reading horror stories online. Pro tip: After you submit the banking change online, call the very next day to confirm it was received properly. I used that claimyr service everyone's mentioning here to get through without waiting on hold forever - totally worth it to get peace of mind that the change is actually in their system. The rep was able to confirm my new account info was showing up correctly. Also, definitely keep your old account open until you see at least 2 successful payments hit your new account. I know those fees suck (I was dealing with the same thing with my old bank), but it's better than having a payment get lost in limbo. Good luck!

I went through this exact same situation about 6 months ago when I switched from Bank of America to a local credit union because of their ridiculous monthly fees. Here's my timeline: I submitted the direct deposit change on a Monday, called using claimyr.com on Wednesday to confirm it was in the system (which it was), and my first payment hit the new account exactly 9 business days later. The rep I spoke to said changes typically process within 5-10 business days but recommended waiting at least one full payment cycle before closing the old account. I kept both accounts open for about 3 weeks just to be absolutely sure, and I'm glad I did because there was one small hiccup where a previous week's adjustment payment went to the old account even after the regular payments were going to the new one. My advice: update your info right after this week's payment, wait 10-12 business days before filing again, and don't close that old account until you've seen at least 2-3 successful payments in the new one. The fees suck but it's not worth the stress of a lost payment!

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!