NY unemployment direct deposit issues after bank change - money missing for 2 weeks
Has anyone else had trouble with NY unemployment direct deposits after changing bank info? I updated my banking details on the NY.gov site two weeks ago (Feb 3, 2025) after switching from Chase to Wells Fargo. My weekly certification was processed and shows as 'paid' on the portal for $582, but the money hasn't shown up in either my old or new account! I've tried calling the NYSDOL helpline 17 times and can't get through to a human. The automated system just says my payment was issued, but doesn't tell me WHERE it went. I'm freaking out because rent is due in 10 days and I need this money. Does anyone know how long bank changes typically take to process? Or how to track where my payment actually went?
18 comments
Marcus Marsh
when i changed my bank info last year it took almost 3 weeks for the new account to start getting the deposits. they never told me this would happen! the annoying thing is that the money doesnt go to your old account OR your new one during this time. its like stuck in limbo while they verify everything. check your mail, you might get a paper check instead for this period.
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Katherine Shultz
Thanks for replying! Did you ever get the money that was in limbo? I'm worried because the NYSDOL website shows it as 'paid' but doesn't say how or where. I haven't received any mail yet. Did you have to do anything special to get the payments moving again?
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Hailey O'Leary
This is actually a common issue with the NY unemployment system. When you change bank accounts, they have a verification period that can take 7-14 business days (not calendar days). During this time, your payments may be held in a pending status even though the system shows them as 'paid.' Here's what you should do: 1. Check if they mailed you a paper check as a temporary measure (many times they default to this during account changes) 2. Look at your payment history on the NY.gov portal to see if there's a payment method listed 3. Request a payment trace if nothing arrives by day 15 The most reliable way to resolve this is to speak with an agent directly. They can see exactly where your payment was sent and initiate a trace if needed.
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Katherine Shultz
Thank you for the detailed response! I checked my payment history and it just says "Direct Deposit" with no additional details. How do I request a payment trace? Is that something I can do online or do I have to speak to someone? I'm really stressing about this because I have bills coming due.
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Cedric Chung
I HAD THE EXACT SAME PROBLEM last month!!! The DOL website is GARBAGE and the phone system is even WORSE. I spent 4 days trying to get through to anyone. My payments were in limbo for almost 3 weeks and I was about to be evicted. What finally worked for me was using Claimyr (claimyr.com) to get through to an actual agent. They have a service that gets you through the phone queue and connected to an agent, usually within an hour. The agent was able to see that my payment was stuck in processing and they released it that same day. They have a demo video showing how it works: https://youtu.be/Rdqa1gKtxuE Worth every penny because the agent told me my case would have been stuck for another week if I hadn't called in!
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Katherine Shultz
That's really helpful, thank you! I'm definitely at my wit's end trying to reach someone. Did the agent need any special information to release your payment? And did it go to your new bank account or did they send a check?
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Cedric Chung
They just needed my SSN, DOB and some info to verify my identity. Once I got through, the agent saw right away that my payment was flagged for "bank account verification" and she overrode it. Money was in my new account next day. Just make sure you have your new account info handy when you call!
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Talia Klein
has anyone had there bank accnt closed during this process? my bank shut down my accnt right when I switched my direct deposit info and now Im worried the money is going to bounce back or something
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Hailey O'Leary
If your bank account was closed, the deposit will be rejected and returned to NYSDOL. When this happens, they typically will either automatically issue a paper check to your address on file (which can take 7-10 additional days) or place a hold on your payments that requires you to call in. I'd recommend proactively calling them to report the closed account to avoid delays.
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Maxwell St. Laurent
Same problem here, but my payment ended up coming as a paper check about 10 days after it showed as "paid" in the system. They don't tell you they're sending a check instead of doing direct deposit! Keep checking your mail every day. Also make sure your mailing address is up to date in the system.
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Katherine Shultz
That's good to know! I'll keep an eye on my mail. My address is current, so hopefully if they sent a check it'll arrive soon. This whole process is so stressful.
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PaulineW
anyone know if you can still certify for benefits while waiting for this bank change thing to sort itself out? i dont want to mess anything up but i also dont want to miss a week
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Hailey O'Leary
Yes, you should absolutely continue to certify for benefits on your regular schedule, even while waiting for banking issues to resolve. Missing a certification can cause a break in your claim. The banking issue is separate from certification processing.
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Katherine Shultz
UPDATE: I finally got through to someone! Used the Claimyr service that was suggested and got connected to an agent in about 45 minutes (way better than my 17 failed attempts). The agent confirmed my payment was held due to the bank account change and they had to manually verify my new account. She released the payment and said it should be in my account within 2 business days. She also mentioned that during bank changes, they sometimes automatically switch to paper checks for security reasons, but in my case it was just stuck in verification. Thanks everyone for your help!
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Marcus Marsh
thats great! glad you got it figured out. the system really needs to give better information about whats happening with our money!!
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Maxwell St. Laurent
Awesome! Thanks for updating us. It's so frustrating that there's no clear information about this process on their website. Would have saved us all a lot of stress!
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Annabel Kimball
This is why I still just get paper checks. Too many horror stories about direct deposit issues. Yeah its annoying to go to the bank every week but at least i know exactly where my money is.
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Katherine Shultz
That's actually not a bad idea. Once I get this sorted out I might switch to paper checks too. Seems like it might be more reliable than dealing with all this banking verification stuff.
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