NY unemployment payment rejected after bank account change - how long for redeposit?

Went through this exact thing back in October. It took about 10 days for my payment to be reprocessed to my new account. The system is archaic and slow as hell. Make sure your new bank info is correctly entered in the system - double check those numbers!

After trying to call NY unemployment for days with no luck (always busy signal or disconnected), I found this service called Claimyr that got me connected to a live agent in about an hour. They helped rush my payment after my banking info got messed up. Check out claimyr.com or this video about how it works: https://youtu.be/Rdqa1gKtxuE - talking to an agent got my money released so much faster than waiting for the system to fix itself. Best decision I made during this whole unemployment nightmare!

I worked for a bank for 7 years. When ACH deposits get rejected the funds take about 3-5 business days to be returned to the sender. Then NY unemployment has to process it on their end which can take another 3-7 business days. So you're looking at anywhere from 6-12 business days total in most cases. Sorry to be the bearer of bad news.

this happened to me 2x now. First time it took them 8 days, second time 12 days. The system is completley broken and nobody at DOL seems to care about us. I'm starting to think the ny unemployment system is designed to be this confusing on purpose so they can save money by making it hard to collect benefits that we are ENTITLED to. 😡

Here's what worked for me to speed up the process: Email your state representative and explain your situation. I did this after waiting 2 weeks for a redeposit and suddenly my payment was processed the NEXT DAY after my rep's office contacted DOL. They hate the public pressure.

I had a similar problem in May. What nobody tells you is that you can request an emergency paper check instead of waiting for the direct deposit to recycle through their system. You have to specifically ask for this though - call and tell them you have urgent financial need and request a paper check to your mailing address instead of waiting for the redeposit.

Everyone's saying different timeframes but it all depends on when in the processing cycle your payment was returned. If it was returned right after they sent it, usually takes about a week. If it happens on a weekend or holiday, add at least 2-3 more days. The system is ancient and runs on like 50 year old computers or something ridiculous.

Pro tip from someone who's been thru the unemployment maze for months: ALWAYS KEEP YOUR OLD BANK ACCOUNT OPEN UNTIL YOU'VE CONFIRMED A PAYMENT HAS SUCCESSFULLY DEPOSITED TO YOUR NEW ACCOUNT. Wish someone had told me this before I closed mine. Saved myself a month of headaches.

I know this is a longshot but try reaching out through Twitter. I DMed @NYSLabor with my issue and surprisingly got a response and they escalated my case. Not guaranteed but worth a try - sometimes social media teams have more power than regular customer service.

Here's everything I've learned dealing with NY unemployment for over a year (and I've had the exact same issue you're describing twice): 1. Timing matters - payments returned on Monday-Wednesday typically get reprocessed faster than ones returned Thursday-Friday (which can get stuck over the weekend) 2. The unemployment portal status will say "returned" until they reprocess it. It won't update to "pending" or give you any warning before it suddenly changes to "paid" when they reissue it. 3. If you can actually reach a human (nearly impossible), they CAN expedite this if you explain you have urgent bills. I used claimyr.com to get through to an agent when I was desperate - totally worth it. 4. Keep checking your payment history daily. Sometimes they don't send the standard email notification when they redeposit. 5. Don't change any other account settings while waiting for the redeposit or it can reset the whole process. 6. If it's been more than 10 business days, you need to be persistent with calling and documenting who you spoke with. Good luck - the system is a nightmare but eventually you'll get your money. Just be prepared for it to potentially take 2 weeks.

Not to freak you out but my friend had this happen and it took 28 days to get the money. ny unemployment is literally the worst system in the country.

Hot take: if you need the money ASAP, apply for emergency assistance through local charities while waiting. Catholic Charities, Salvation Army, and local community action programs often have rent assistance programs that can help bridge the gap while waiting for unemployment to fix their mess. Don't let pride get in the way if you're about to miss rent.

Believe it or not I know someone who works at NYSDOL. They said internally they aim for 7-10 business days for payment reprocessing, but their system is so overwhelmed it can take longer. They also said if you certified late or have any kind of "flag" on your account, the returned payment can trigger a review that further delays things.

Did anyone else notice NY unemployment seems to be slower processing ANYTHING at the end/beginning of the month? I've had so many issues at month transitions. I'm convinced they run some kind of monthly batch process that slows everything down.

i'm new to all this unemployment stuff, but i learned you can go to an america works center in person and sometimes they can help u fix issues faster than waiting on the phone. might be worth a try if ur really desperate