NY unemployment direct deposit not working with Chime anymore - what's going on?

same problem here!! tried to setup my chime last week and the system kept rejecting it. super annoying cuz i used chime b4 with no issues

This is a recent change. NYSDOL updated their direct deposit system in February 2025 and several online banks including Chime are currently having compatibility issues with their new verification process. It's not just you - it's happening to a lot of people. The department says they're working on it, but there's no timeline for when it will be fixed. In the meantime, your options are: 1. Use a traditional bank account if you have one 2. Open a new account at a credit union (most seem to be working fine) 3. Accept paper checks (which as you noted take 5-7 days longer) 4. Use the NY debit card option (though this has higher fees

I HAD THIS EXACT PROBLEM!! the unemployment system is GARBAGE. i wasted like 3 weeks trying to fix this and couldn't get anyone on the phone to help. ended up just taking the stupid paper checks which took forever to arrive. thanks NY for making everything harder than it needs to be!!!

I found a way around this actually. If you set up your direct deposit before you file your weekly claim, it seems to work better. I had to call and get my Chime account manually added by a rep though. The trick is actually getting through to someone on the phone. I had to call literally 27 times before I got through last month for a different issue.

I had the same issue with Chime last month, and after days of trying to reach someone at NYSDOL with no luck, I discovered this service called Claimyr that got me through to an agent in about 20 minutes. They basically keep dialing for you until they get through, then connect you. The agent was able to manually add my Chime account to the system. If you're still struggling to reach someone, you might want to check out their site at claimyr.com - they have a video showing how it works: https://youtu.be/Rdqa1gKtxuE Just sharing because it saved me from having to switch banks or wait for paper checks. The unemployment rep told me they're aware of the Chime issue and have a workaround, but you need to speak to someone directly.

I work in banking and can explain what's happening. The issue isn't just with NY unemployment - several states are implementing new fraud prevention measures for direct deposits to online-only banks. Chime specifically has had issues with their routing number verification system integrating with government payment systems. This affects unemployment deposits, tax refunds, and some other government payments. You have three main options: 1) Call NYSDOL and have them manually add your Chime account (this works but requires getting through to someone) 2) Use a traditional bank account temporarily 3) Accept the debit card option which processes faster than paper checks The compatibility issue should be resolved within the next 2-3 months as Chime is working on updating their systems to meet the new security protocols.

Wait, I'm confused. I've been using Chime for my NY unemployment since January and haven't had any issues with my deposits. Are we sure this is affecting all Chime accounts? Or maybe it only affects new setups??

i ended up just using my bf's chase account cuz i got tired of waiting lol. not ideal but whatever works

Update: I finally got through on the phone this morning (called right when they opened at 8am). The rep said they're aware of the Chime issue and they have to manually override something in their system to make it work. My deposit went through to my Chime account today with no problems! So definitely worth trying to reach someone by phone.