NY unemployment payment rejected by my bank but account info is 100% correct

Sounds like your bank might have flagged it as suspicious activity. My credit union did that to me once. Call your bank again and ask to speak to their fraud department specifically. Sometimes the regular customer service people don't know what's really going on.

After fighting with NY unemployment for weeks about a similar issue, I finally found a service that helped me get through to an actual human. I used claimyr.com and honestly it was the best decision I made. They called unemployment for me, waited on hold, then connected me to a live agent when one was available. Talking to an agent got my $ unlocked so fast I wish I'd known about it sooner. They even have a helpful video about how it works: https://youtu.be/Rdqa1gKtxuE

Check if your bank account has any restrictions on government deposits or if you've reached some kind of deposit limit. Some banks are weird about unemployment deposits. Also make sure the name on your unemployment claim EXACTLY matches the name on your bank account.

This exact thing happened to me!!! The problem was that my bank had recently updated their security protocols and started rejecting ACH deposits that don't have perfect matching info. The unemployment system had my first and last name, but my bank account had my middle initial too. That tiny difference caused my payment to bounce back. Had to change my direct deposit info to my other account to fix it.

ugh the ny unemployment system is such trash. i'd call them but good luck getting through 🙄 might be faster to just change your payment method to the debit card option instead of direct deposit

Here's what I would do to fix this (I used to work in banking): 1. First, confirm there's no temporary hold on your account or new security measures at your bank. Many banks have implemented stricter verification for government deposits recently. 2. Call unemployment (I know it's nearly impossible to get through normally, but I used claimyr.com to get a callback from an agent - totally worth it) 3. When you speak to an agent, ask them to verify the EXACT spelling of your name on file and confirm your account/routing numbers are entered correctly 4. Request they check if there are any payment block codes on your account 5. If all else fails, consider temporarily switching to the debit card option while you sort this out I've seen this issue multiple times and it's usually one of three things: either a name mismatch between systems, a bank security flag, or an unemployment system glitch. The fastest solution is always talking directly to an agent who can see what's happening in the system.

Just a shot in the dark but did you recently overdraft your account? Some banks will reject incoming deposits if you have outstanding fees. Happened to me last year 😑

Switch to the debit card option. NY unemployment direct deposit system is so broken right now. I've seen tons of people having issues for the past few months. Their system keeps glitching with certain banks.

I had this EXACT same thing happen in November. Called unemployment (took forever to get through) and turns out it was totally their fault. Their system had randomly added an extra digit to my account number even though it showed correctly on my end. They had to cancel the payment and reissue it with the correct info. Took almost 3 weeks to fix 🤬

Have you tried checking your payment status on the ny.gov website? Sometimes there are more details there about what happened with the payment. Go to payment history and click on the specific payment - it might show a specific error code.

Quick checklist: - Did you change anything in your online banking recently? - Has your ID/license expired? (Sometimes this triggers bank verification issues) - Did you hit any deposit limits? (Some accounts have monthly limits) - Has your address changed recently? Any of these could trigger a rejection even with correct numbers

whoa thats weird! do you use a smaller local bank or credit union? I've noticed they tend to have more issues with unemployment deposits than the big banks

Contact unemployment ASAP - when a direct deposit fails, they're supposed to automatically issue the payment to the debit card instead, but sometimes this process gets stuck and you need an agent to manually push it through. Don't wait on this!

I'm actually in the exact same situation right now!!! This is my 4th week of benefits and suddenly my bank rejected it. Calling unemployment is impossible so I gave up and just changed to the debit card option for now. At least I know the money will come through eventually that way.

NYSDOL posted on Twitter last month about some banks increasing their security measures and causing payment rejections. Check if your bank is on their list (Chase, Bank of America, and several credit unions were mentioned).

This is such a frustrating situation! I've been dealing with something similar lately. One thing that helped me was calling my bank's technical support line (not regular customer service) and asking them to check their ACH rejection logs. They were able to tell me the exact reason code for why the payment was rejected - in my case it was a "name mismatch" even though everything looked correct on my end. Sometimes the unemployment system sends your name in ALL CAPS or with different formatting than what your bank has on file. Also, if you have any joint account holders or authorized users, that can sometimes cause issues with government deposits. Hope you get this sorted out soon!