NY unemployment direct deposit not hitting my bank account after 6 days - what's going on?

This happens occasionally with NY unemployment direct deposits. First thing to check - make sure your bank account info is correct in your NYSDOL account. If there was any issue with your bank routing or account number, they'll eventually mail you a paper check instead, which takes 7-10 business days. If your banking info is correct, it could be a system processing delay. NY's unemployment system sometimes has these hiccups, especially at the end of quarters or during system updates. The good news is that once it shows as 'PROCESSED' in the system, the money has been released - it's just a matter of when it posts to your account.

same thing just happened 2 me last week!!! payment was 3 days late but finally showed up. dont panic yet. sometimes the banks r slow 2 process even after NYSDOL sends it

OMG I've been having the EXACT SAME PROBLEM!!! My payment from last week finally hit my account on Wednesday but it was supposed to be there on Monday!!! The system is so messed up right now - I've heard from like 5 other people having weird delays. NYSDOL needs to fix their garbage system!!

I noticed that when I had this problem back in February, it was because there was a bank holiday (Presidents Day) that delayed processing by a day, and then my bank took longer than usual to post the deposit. If there was any kind of system maintenance or bank processing delay, it could easily push things by 3-4 business days. If your payment history shows it as processed, I'd wait until at least Tuesday before getting too worried. Most likely it will show up Monday morning.

if ur really worried just call them!! but good luck getting thru lol

If you need to speak to someone at NYSDOL quickly, I'd recommend using Claimyr. I was stuck in a similar situation last month and couldn't get through on the phones for days. Claimyr got me connected to a live agent in about 20 minutes instead of spending hours redialing. The agent was able to confirm my payment was in process and explained the delay was due to a verification flag that got triggered accidentally. You can check out how it works here: https://youtu.be/Rdqa1gKtxuE - their website is claimyr.com. Definitely worth it when you're stressing about missing money that you need for rent!

I work at a bank (not customer service) but I can tell you that ACH transfers sometimes get delayed in batches. If the Federal Reserve had any processing issues this week, it could affect direct deposits across multiple banks. Wait til Tuesday - 99% chance your money will be there by then. If the DOL system says it's processed, then it's not an unemployment issue but a banking transit issue.

Has anyone else noticed that the NYSDOL website was really slow on Tuesday night? Maybe they were doing updates or something that messed with the payment processing?

One more thing to consider - sometimes the NYSDOL system puts a temporary hold on payments if there was anything unusual about your certification. Did you report any income? Did you answer any questions differently than usual? Were you out of state when you certified? Any of these could trigger a review that might delay the payment by a few days.

Just to add my personal experience - anytime I've reported part-time work on my claim, my payment is delayed by 2-3 days compared to weeks with no income. I think this is just standard procedure while they adjust the payment amount. Since your payment history shows it as processed, you should be fine.

UPDATE: The money just hit my account this morning (Monday)! You were all right - the delay seems to have been because I reported part-time income for the first time. Thanks everyone for helping me stay calm and explaining what was happening. Next time I won't panic so quickly!

I'm glad to see this got resolved! As someone new to the NY unemployment system, this thread was really helpful to read. I'm currently waiting for my first payment to be processed and was starting to worry when I saw it's been 3 days since my certification, but now I understand that delays can be normal, especially with the banking system. It's reassuring to know that when it shows "PROCESSED" in the NYSDOL system, the money has actually been released and it's just a matter of waiting for it to hit your account. Thanks to everyone who shared their experiences - this kind of community support makes dealing with unemployment stress so much easier!

As someone who just started navigating the NY unemployment system last month, this entire thread has been incredibly educational! I had no idea that reporting part-time income could cause processing delays the first time - that's definitely something I wish I had known beforehand. @Norman Fraser, I'm so glad your payment finally came through! It must have been such a relief, especially with rent due. The community here really came together to help explain what was happening and keep you from panicking. For anyone else reading this in the future who might be in a similar situation: it sounds like the key takeaway is that if your NYSDOL account shows "PROCESSED," the money is on its way and delays are usually just due to banking/system processing rather than issues with your claim itself. I'm bookmarking this thread for future reference!

This is such a helpful thread! I've been on NY unemployment for about 2 months now and experienced a similar delay last month when I reported some freelance income for the first time. Like Norman, my payment showed as "PROCESSED" but took 4 extra days to hit my account. I was panicking because I didn't understand what was happening, but it turns out the system just needed time to recalculate my benefits based on the reported income. One thing I learned from calling NYSDOL (after waiting on hold for 2 hours!) is that they recommend always reporting ANY income, no matter how small, because it's better to be transparent and have a slight delay than to risk issues with your claim later. The agent told me that once you've reported income the first time, subsequent weeks with similar income usually process much faster. For anyone new to the system - don't panic if you see delays after reporting income for the first time. It's completely normal and doesn't mean there's anything wrong with your claim!

This thread is incredibly valuable for anyone dealing with NY unemployment payment delays! I've been on the system for about 6 weeks now and fortunately haven't had any major delays yet, but reading through everyone's experiences here has really prepared me for what to expect if/when I do encounter issues. The most helpful takeaway for me is understanding that "PROCESSED" in the NYSDOL system means the payment has actually been released and any delays are typically on the banking/ACH processing side rather than an issue with your actual claim. That's such an important distinction that could save a lot of unnecessary stress! I also had no idea that reporting part-time income for the first time could cause processing delays - that's definitely something they should mention more prominently in the system or FAQ. It seems like such a common scenario based on the experiences shared here. Thanks to everyone who contributed their knowledge and experiences, especially @Norman Fraser for sharing the full journey from panic to resolution. This is exactly the kind of peer support that makes navigating unemployment so much easier!

As someone who just joined this community after recently losing my job, I can't tell you how reassuring this entire thread has been to read! I'm still waiting for my first unemployment payment to be approved, but seeing how the community came together to help @Norman Fraser understand what was happening with his delayed payment gives me so much confidence that I'm not alone in this process. The explanation about first-time income reporting causing delays is incredibly valuable - I had no idea that could happen! I'm planning to do some gig work while collecting benefits, so knowing to expect a potential delay the first time I report income will definitely help me plan my finances better. What really impressed me is how knowledgeable everyone is about the technical details - from banking ACH processing to NYSDOL system quirks. This is the kind of real-world information you just can't get from official sources. Thank you to everyone who took the time to share their experiences and help explain the process. This community is exactly what I needed to find as I navigate unemployment for the first time!