NY unemployment direct deposit issues after bank change - money missing for 2 weeks

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.

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.

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!

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

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.

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

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!

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.

I'm going through something similar right now! Changed my bank info 10 days ago and still waiting for my payment to show up in the new account. The system shows "paid" but nothing in either bank account. This thread is super helpful - I had no idea about the verification period or that they might send paper checks during transitions. Going to try the Claimyr service tomorrow if my payment doesn't show up. Thanks everyone for sharing your experiences, it's reassuring to know this is a common issue and not just me!

I'm dealing with this exact situation right now too! It's been 12 days since I changed my bank info from Bank of America to Capital One, and my payment shows as "paid" but hasn't arrived anywhere. Reading through all these responses is actually really comforting - I thought something was seriously wrong with my claim. It's ridiculous that NYSDOL doesn't explain any of this verification process on their website or give you a heads up that payments might be delayed or switched to paper checks. I've been checking my mailbox obsessively but nothing yet. Definitely going to try the Claimyr service if I don't see anything by tomorrow. Thanks everyone for sharing your experiences - this community is more helpful than the actual NYSDOL website!

Just want to add my experience to help others going through this nightmare! I had the same issue last year when switching from PNC to TD Bank. My payment was stuck for 16 days and I was panicking about my mortgage payment. What I learned from talking to the agent is that NY has extra security verification for banking changes that can take up to 3 weeks in some cases. They don't publicize this anywhere which is so frustrating! The agent also told me that if you have ANY discrepancy in your name between your unemployment account and your new bank account (even something like "Katherine" vs "Kate"), it can trigger additional holds. Make sure your names match exactly. Also pro tip: once you do get connected to an agent, ask them to put a note in your file about the banking change - apparently this can help prevent future delays if you need to call again.

I'm currently dealing with this exact same issue! Changed my bank info from Chase to Ally Bank 9 days ago and my payment shows "paid" but hasn't arrived anywhere. Reading through everyone's experiences here is honestly such a relief - I was starting to think my claim was somehow messed up or that I'd lost the money completely. It's absolutely ridiculous that NYSDOL doesn't give any warning about verification delays or explain that payments might switch to paper checks during this process. I've been checking both my old and new accounts multiple times a day and obsessively checking my mailbox. Based on what everyone's sharing, it sounds like this 1-3 week limbo period is unfortunately normal. I'm definitely going to try the Claimyr service if nothing shows up by early next week. Thank you all for sharing your stories and solutions - this community is way more helpful than anything on the official NYSDOL website!

I'm going through this exact same nightmare right now! Changed my direct deposit from Wells Fargo to Credit Union about 6 days ago and my payment shows "paid" but is nowhere to be found. I've been losing sleep over this because I have rent due next week. Reading through everyone's experiences here is honestly the first time I've felt any relief - I had no idea this verification limbo period was so common! The NYSDOL website gives zero indication that this could happen when you change banks. I've called probably 15 times and can't get past the automated system. Definitely going to try that Claimyr service everyone mentioned. Thank you all for sharing your stories - it's so frustrating that we have to rely on community forums to understand what's actually happening with our benefits instead of getting clear information from the state!