NY unemployment direct deposit rejected by bank, but my account info is correct - help!

The same thing happened to me in January! The system was showing the correct account info but payments weren't going through. Turns out there was a glitch in the NYSDOL system where it was trying to send the payment with my middle initial included in my name, which didn't match my bank account exactly. I had to call and have them fix it on their end.

this isnt a bank issue its a DOL issue. they do this sometimes. just keep trying to call them.

This is actually a common issue that's been happening since the NYSDOL updated their payment system in early 2025. There are a few possibilities: 1. There might be a slight discrepancy between how your name is listed in the NYSDOL system versus your bank (middle initial, hyphenation, etc.) 2. The system could be trying to deposit to a closed account if you've changed banks recently 3. There could be a system flag on your account for identity verification You'll need to speak with a claims specialist at NYSDOL. Unfortunately, the phone lines are extremely busy right now due to the new quarter starting.

I had the EXACT same problem last month!! It was so frustrating. My payment was rejected even though all my info was correct. After TWO WEEKS of trying to get through on the phone, I finally learned that they had some kind of internal system flag on my account because I had recently updated my address. They never notified me about this! Once I finally got through to someone, they fixed it in 5 minutes and reissued my payment. But getting through was IMPOSSIBLE!!

After struggling with the same issue for days and getting nowhere with the regular phone number, I finally tried Claimyr.com and got connected to an actual NYSDOL agent in about 20 minutes. They have a system that navigates the phone tree and waits on hold for you, then calls you when an agent is on the line. Saved me days of frustration. They have a video demo at https://youtu.be/Rdqa1gKtxuE that shows how it works. In my case, there was a system flag because my name in their system had a hyphen my bank account didn't have.

There's a specific procedure for rejected direct deposits that most people don't know about. You need to: 1. Log into your NY.gov account 2. Go to your payment history page and locate the rejected payment 3. Take a screenshot of the rejection notification 4. Submit a secure message through the message center with the subject line "DD REJECTION" and attach the screenshot 5. Also include your claim ID, last 4 digits of your bank account, and bank name This bypasses the regular phone queue and goes to their direct deposit resolution team. They typically respond within 48-72 hours.

just switch to the debit card its way easier

UGH the whole NY unemployment system is SUCH A MESS right now!!! My cousin had this exact same problem and it took her forever to get it fixed. She ended up having to go to an actual office in person because the phone system is completely useless. They are seriously the WORST agency in the entire state!!!

Quick update for anyone experiencing this issue: NYSDOL just published a notice on their website yesterday acknowledging a system issue with direct deposits that started after their April 10th system update. They're working on fixing it, but in the meantime, they recommend either: 1. Switching to the debit card option temporarily, or 2. Submitting the DD REJECTION message as someone mentioned above They estimate the fix will be implemented within 7-10 business days.

I think the NYSDOL is doing this on purpose to save money. They reject payments hoping people will give up trying to get their benefits. My payment was rejected twice before it finally went through.

UPDATE: I wanted to let everyone know what worked for me in case someone else has this problem. I tried the Claimyr service that someone recommended, and I actually got through to a representative in about 30 minutes! The agent explained that there was a flag on my account because my bank had recently updated their processing codes after a merger, but my account info in the NYSDOL system hadn't been updated. She fixed it while I was on the phone and reissued my payment. She said it should be in my account within 2-3 business days. Such a relief! Thanks everyone for your help!

Great to see this got resolved! For anyone else dealing with similar issues, I'd also recommend checking if your bank has undergone any recent changes - mergers, system updates, or even just changes to their ACH processing procedures. These backend changes don't always get communicated to customers but can definitely cause direct deposit rejections. I work in banking and we've seen this happen more frequently lately with all the consolidation in the industry. If the phone lines are still backed up, the secure message center option with "DD REJECTION" in the subject line really does seem to be the fastest route based on what people are reporting here.

I'm going through this exact same issue right now! My direct deposit was rejected yesterday even though I've been getting payments fine for the past 3 months. Reading through all these responses is really helpful - it sounds like there are multiple causes but the system update in April seems to be creating a lot of problems. I'm going to try the secure message center approach with "DD REJECTION" as the subject line first, and if that doesn't work within a few days I'll consider the Claimyr service. It's so stressful when you're depending on these payments and then technical glitches cause delays. Thanks to everyone who shared their experiences and solutions!

I'm new to this community but currently dealing with the same frustrating situation. My direct deposit was rejected this morning after working perfectly for 4 months. Reading through everyone's experiences here is both reassuring and helpful - it's clear this isn't an isolated issue and there are actual solutions that work. I'm going to try the secure message center approach with "DD REJECTION" as the subject line first since the phone lines seem impossible. If that doesn't work within a few days, I'll definitely consider the Claimyr service that several people have had success with. It's such a relief to find a community where people share real solutions instead of just complaining. Thanks to everyone who took the time to explain what worked for them!

I'm new to this community but wanted to add my recent experience since it might help others. I had the same direct deposit rejection issue last week and was panicking because I couldn't get through on the phone. I tried the secure message center approach with "DD REJECTION" as the subject and got a response in exactly 48 hours! Turns out my issue was similar to what others mentioned - there was a mismatch between how my name appeared in their system versus my bank records (they had my full middle name, my bank account only has the initial). The representative was able to fix it remotely and reprocessed my payment. For anyone still struggling with this, I'd definitely recommend the secure message route first before trying to call. Make sure to include your claim ID and the last 4 digits of your bank account like someone mentioned earlier. The whole process was way less stressful than trying to get through on the phone!

I'm new to this community but just wanted to say this thread has been incredibly helpful! I'm currently dealing with my first NY unemployment claim and haven't run into payment issues yet, but reading through everyone's experiences and solutions gives me so much peace of mind knowing there are actual steps to take if problems come up. The secure message center approach with "DD REJECTION" as the subject line seems to be working really well for people, and it's great to see multiple success stories with specific timelines (24-48 hours). I'm definitely bookmarking this thread as a reference. It's refreshing to find a community where people share real, actionable solutions instead of just venting. Thanks to everyone who took the time to explain what worked for them - it really helps those of us who are new to navigating this system!

I'm new to this community and just wanted to thank everyone for sharing such detailed, helpful experiences! I'm currently dealing with my first unemployment claim in NY and while I haven't hit any payment issues yet, reading through this entire thread has been incredibly educational. The step-by-step instructions for the secure message center approach (especially using "DD REJECTION" as the subject line) and the consistent success stories people are reporting give me so much confidence that there are real solutions if problems come up. It's also really eye-opening to learn about all the different causes - name mismatches, bank mergers, system flags, the April update issues. I'm definitely saving this thread as my go-to reference guide. It's so refreshing to find a community where people actually come back to share what worked instead of just disappearing once their problem is solved. Thanks to everyone who took the time to help others navigate this confusing system!

I'm brand new to this community and just created my account because I'm starting my NY unemployment claim process next week. This entire thread has been absolutely incredible to read through - I had no idea there were so many potential pitfalls with direct deposits or that there were specific strategies like the secure message center approach with "DD REJECTION" as the subject line. Seeing all the success stories with that method (especially the consistent 24-48 hour response times) is so reassuring. It's also really valuable to learn about all the different causes people have encountered - the name mismatches, bank merger issues, system flags from the April update. I'm definitely saving this whole conversation as my reference guide in case I run into any problems. The step-by-step instructions people have shared are way more helpful than anything I could find on the official website. Thank you to everyone who took the time to share their experiences and actual solutions - it really helps newcomers like me feel more prepared to navigate this system!

I'm completely new to this community and just joined because I'll be filing my first NY unemployment claim soon. This entire thread has been absolutely invaluable - I've learned more practical, actionable information from reading everyone's experiences here than from spending hours trying to decipher the official NYSDOL website. The consistent success stories with the secure message center approach using "DD REJECTION" as the subject line are really encouraging, especially seeing those 24-48 hour response times. It's also eye-opening to learn about all the different root causes that can trigger these issues - name mismatches between DOL and bank systems, bank mergers affecting ACH codes, system flags from address changes, and the ongoing problems from the April system update. I'm definitely bookmarking this entire conversation as my reference guide. What really stands out to me is how supportive this community is - people actually take the time to come back and share detailed updates about what worked for them instead of just disappearing once their problems are solved. The step-by-step instructions and specific tips (like checking spam folders for responses) are incredibly helpful. Thank you to everyone who contributed their experiences - it makes navigating this complex system feel much less overwhelming for newcomers like me!

I'm new to this community but wanted to share something that might help others dealing with this issue. I work as a customer service manager at a credit union, and we've been seeing a lot of these NYSDOL direct deposit rejections lately. From what I've observed on the banking side, many of these rejections aren't actually "rejections" in the traditional sense - they're often failed attempts where the ACH transaction never even reaches our system properly due to formatting issues on the state's end. When customers call us asking about "rejected" unemployment payments, we frequently find no record of any attempted deposit at all. This aligns with what several people have mentioned about name mismatches and the April system update causing problems. The secure message center approach with "DD REJECTION" as the subject line that everyone's having success with makes perfect sense because it routes directly to their technical team who can actually see and fix these formatting/system issues. Just wanted to provide that perspective from the banking side - it's definitely a NYSDOL system problem, not a bank problem in most cases.