NY unemployment payment delay - will claiming late Monday affect deposit time?
So I'm used to claiming my NY unemployment benefits first thing Monday morning and always get my money by Wednesday. But today I got caught up with some family stuff and didn't manage to certify until around 8pm tonight. Does anyone know if this means my payment will be delayed until Thursday now? I really need that money on Wednesday for rent. The website doesn't say anything about cutoff times for processing the claim.
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Isla Fischer
Yes, the timing does matter. NY unemployment has a processing cutoff time around 7pm each day. Since you certified after that cutoff, your claim will be processed with tomorrow's batch, which means payment will likely arrive Thursday instead of Wednesday. The system processes claims in batches, not continuously throughout the day.
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Logan Chiang
•Ugh, that's what I was afraid of. Thanks for confirming. Guess I'll have to explain to my landlord why I'm a day late.
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Miles Hammonds
it DEPENDS on ur bank too, some banks post deposits early in the am and some dont till end of day. mine shows pending the night before usually
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Logan Chiang
•I'm with Chase and they've never shown a pending deposit. It just appears on Wednesday morning normally. Fingers crossed it might still come through!
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Ruby Blake
The NYSDOL website is TERRIBLE about explaining these little details that actually matter a lot to people living paycheck to paycheck!!! I've been on unemployment since January and I've learned you have to file before 5pm to get paid on time. After that, add a day. Their system runs ancient batch processing from the 1980s probably.
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Micah Franklin
•I work in IT and can confirm the DOL systems are outdated. They run batch processes at scheduled times. The official cutoff is actually 7pm according to the technical documentation, but I always tell people 5pm to be safe. Sometimes they have system maintenance that can delay things too.
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Ella Harper
For future reference, you can set a reminder on your phone to claim earlier in the day. If you absolutely need to reach someone at NYSDOL about payment timing issues, try using Claimyr (claimyr.com). It helped me get through when I had a similar urgent payment situation. They have a video showing how it works: https://youtu.be/Rdqa1gKtxuE - basically connects you to an agent without the endless hold times. I was able to get confirmation about my payment timing that way.
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PrinceJoe
•Does that actually work? I've been trying to get through on the phone for days about a different issue and keep getting disconnected after waiting 2+ hours!
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Ella Harper
•Yeah, it definitely worked for me. I was shocked because I'd spent literally days trying to get through myself. I had a payment timing issue that needed to be resolved immediately, and they got me connected to an agent in about 20 minutes.
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Brooklyn Knight
ive claimed as late as 11pm on Monday beofre and still got paid wednesday but that was back in 2025 January not sure if anything changed since then
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Isla Fischer
•The system was actually updated in March 2025 with new batch processing times. Before March, the cutoff was midnight, but now it's 7pm. That's probably why you had a different experience in January.
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Logan Chiang
Update: You guys were right, no deposit today (Wednesday). I checked my payment history on the website and it shows the payment is scheduled for tomorrow. Lesson learned about claiming on time! Thanks for all the help.
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Micah Franklin
•Glad you got it figured out! For anyone else reading this thread, here's a quick reference for NY unemployment payment timing: - Claim before 7pm Monday: Payment Wednesday - Claim after 7pm Monday: Payment Thursday - Bank holidays can add an extra day - Some banks (especially credit unions) may show pending deposits earlier
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Zoe Dimitriou
Same thing happened to me last month! I was panicking about rent too. One thing that might help for the future - you can actually start the certification process earlier in the day and save it as a draft if you get interrupted by family stuff. Then you can come back and submit it before the 7pm cutoff. I learned this the hard way after missing the deadline twice. Also, if you're really in a bind with rent, some landlords will accept a screenshot of your pending payment from the NYSDOL website as proof that it's coming the next day.
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Benjamin Kim
•That's really helpful advice about the draft feature! I had no idea you could save it partway through. And the screenshot tip for landlords is genius - mine is pretty understanding so that might work if this happens again. Thanks for sharing your experience, makes me feel less alone in dealing with this timing stress!
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Mateo Gonzalez
•Wait, there's a draft feature?! I've been using NY unemployment for 8 months and never knew this existed. Where exactly do you find that option? This would have saved me so much stress - I've had to rush through the questions multiple times when I got interrupted. Also curious about the screenshot thing - did your landlord actually accept that as proof of incoming payment?
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