NY unemployment back pay released to Chime account - when will it arrive?
Hi everyone, I just checked my NY unemployment account and it shows my back payments were released on Feb 22nd, 2025. I use Chime as my bank and I'm wondering how long it will take for the money to actually hit my account? Anyone with Chime know the typical timeline? Getting anxious since I've been waiting on these back payments for weeks!
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Isabella Costa
usually with chime u get it same day or next day after release. thats why i switched to them from wells fargo that took 3-4 days
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Hiroshi Nakamura
•Thanks! It's already been about 8 hours since I saw the 'released' status. Hoping it comes through by tonight then!
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Malik Jenkins
In my experience, Chime typically processes NY unemployment deposits within 24 hours of the release date. However, if the release happened after 3pm, it might roll over to the next business day. The NYSDOL system shows the status as 'released' when they've initiated the transfer, but it still has to go through the ACH system before hitting your account. I'd expect to see it by tomorrow morning at the latest unless there's a holiday or weekend involved.
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Hiroshi Nakamura
•Thank you for the detailed explanation! That makes sense. The status changed around noon today, so hopefully that means it'll arrive soon. I've been stressing since I need to pay rent!
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Freya Andersen
I got my NY unemployment backpay to my Chime last month and it took about 12 hours after the release. But my friend waited almost 3 days even though she also has Chime! I think it depends on how busy the system is that day.
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Eduardo Silva
•This is accurate. The ACH processing times can vary based on volume in the system. Also, the first deposit to any account typically takes longer than subsequent deposits due to verification processes. If this is your first payment to Chime, it might take the full 24-48 hours. After that, future payments should be faster.
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Leila Haddad
I've been trying to reach NYSDOL for THREE WEEKS about my backpay and can't get through!!! The system is COMPLETELY BROKEN!! Even when it says 'released' doesn't mean you'll actually get it. Mine said released twice and then changed back to pending and I had to start the whole process over again. This is ridiculous!!!!
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Emma Johnson
•If you're having trouble reaching a NY unemployment agent, I'd recommend trying Claimyr. I was in the same situation last month with backpay issues, and they got me connected to an agent in under 20 minutes when I'd been trying for days. They have a video showing how it works at https://youtu.be/Rdqa1gKtxuE - basically they hold your place in line and call you back when an agent is available. It's the only way I finally got my backpay situation resolved.
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Ravi Patel
chime is supposed to be faster but my cousin had his backpay still take 3 days even with chime so idk maybe call them? also what date was your claim from? i'm still waiting on mine from january
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Hiroshi Nakamura
•My claim was from early January, and I had to submit some additional documentation which is why there was a delay. I guess I'll just keep checking my account and give it another day before I start worrying!
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Isabella Costa
anybody else notice that ny unemployment always releases the $$ on fridays? makes no sense cuz then it hits bank accounts on weekend sometime. wish they would do it monday or tuesday instead
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Hiroshi Nakamura
•Mine was actually released on a Tuesday (today), so maybe they're changing their schedule? I really hope it doesn't take until the weekend though!
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Eduardo Silva
Just to clarify some confusion in this thread: When NYSDOL shows a payment as "released," it means they've initiated the ACH transfer to your bank. Chime and other online banks typically make funds available as soon as they receive the ACH notification, which is why they're faster than traditional banks that might hold funds for processing. For NY unemployment back payments specifically: - Chime usually processes within 24 hours of release - If released before 3pm, often same-day deposit - First-time deposits may take longer due to verification - Weekends and holidays will add delay If your payment status changes from "released" back to "pending," that indicates an issue that requires contacting NYSDOL directly.
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Hiroshi Nakamura
•UPDATE: It just hit my account! Almost exactly 12 hours after the status changed to released. Thanks everyone for your help and advice!
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Freya Andersen
•That's great! Glad it worked out quickly for you! 👍
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Philip Cowan
Congrats on getting your backpay! I'm dealing with a similar situation - my NY unemployment shows "released" as of yesterday afternoon but nothing in my Chime account yet. Reading through this thread gives me hope that it should hit soon. It's so stressful waiting for money you desperately need, especially when the system is so unpredictable. Did you get any notification from Chime when it deposited, or did you just have to keep checking your balance?
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Miguel Ramos
•I got a push notification from the Chime app as soon as it deposited! It came through around midnight, so I didn't see it until I woke up this morning. But yeah, I was also checking my balance obsessively throughout the day yesterday. Since yours was released yesterday afternoon, I'd expect it to hit your account by this evening or tomorrow morning at the latest. The waiting is definitely the worst part - hang in there!
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Avery Flores
•I had the exact same anxiety when I was waiting for mine! Chime usually sends a push notification right away when the deposit hits. Since yours was released yesterday afternoon, it should definitely arrive within the next 12-24 hours based on what everyone else has shared here. The ACH system can be slow sometimes, but Chime is generally pretty quick once they receive it. Try not to stress too much - it sounds like you're right on track for getting it soon!
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Freya Larsen
I've been through this exact same situation with Chime and NY unemployment backpay. In my experience, once it shows "released" in the NYSDOL system, you're usually looking at 12-24 hours max with Chime. They're one of the fastest banks for unemployment deposits. The key thing to remember is that "released" means NY has sent the payment, but it still has to process through the banking system. If it's been released since noon today like you mentioned, I'd expect to see it in your Chime account by tomorrow morning. Chime will send you a notification as soon as it hits, so you don't have to keep refreshing your balance constantly. Stay patient - it's coming!
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Amun-Ra Azra
•This is really reassuring to hear from someone who's been through the same thing! I'm in a similar boat - my NY unemployment backpay shows as released yesterday evening around 6pm and I'm using Chime too. Based on what you and others have shared, it sounds like I should see it by tonight or tomorrow morning. The notification feature is great because like you said, constantly refreshing gets exhausting. Thanks for sharing your timeline - it helps manage expectations when you're stressed about needing the money!
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Justin Evans
I'm new to this community and currently dealing with the same waiting game! My NY unemployment backpay was marked as "released" this morning around 9am and I also bank with Chime. Reading through everyone's experiences here is really helpful - it sounds like most people see their deposits within 12-24 hours once it shows released. I'm trying to stay patient but it's hard when you really need the money. Has anyone noticed if the time of day it gets released affects when it actually deposits? Like if it's released in the morning vs afternoon?
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