When does NY unemployment deposit hit PayPal accounts after switching from Chime?

This is super helpful, thank you! It's almost 3pm now and nothing yet but I'll keep an eye out. Do you get a notification when it hits?

Yep I get a notification from the paypal app. Just make sure your notifications are turned on. It might vary tho since its your first time using paypal for this.

Wait you get yours at 2 sometimes? Mine never hits before 5 with paypal 🤔 wonder if it depends on your region in NY

Does this actually work? Seems kinda sus tbh

Yeah it actually does. I was skeptical too but I had been trying to reach someone for almost 3 weeks. The callback came in about 45 mins and the agent fixed my issue right away. My payments had been pending for weeks and suddenly hit my account the next day.

yeah right, another 'miracle solution'... what's the catch? 🙄

No catch - it just saves you from waiting on hold forever. I spent hours trying to get through before finding this. It was the only way I could talk to a live agent.

I'm curious - how fast did they call you back? The hold times with unemployment are ridiculous lately

For me it was about 45 mins. My friend used it last week and got a callback in like 30 mins. Way better than spending all day on hold yourself.

That makes sense about the first payment taking longer. I'll give it until tomorrow morning before I start panicking lol

Yeah dont worry yet. First time I switched payment methods I was stressing too but it showed up eventually.

This is super accurate based on my experience too. PayPal is usually Tuesday mornings for me.

SAME! I've used 3 different accounts this year alone. The whole system is held together with duct tape and prayers at this point.

Yup! Had to switch twice because payments randomly stopped for no reason. Called and they said changing payment method sometimes "resets" the system 🙄

Glad it's not just me! The rep I talked to literally suggested I switch payment methods as a "troubleshooting step" which is absurd

Oh no that sounds like a nightmare. If it doesn't come by Wednesday I'll definitely call. Any tips on actually getting through to someone?

Honestly the only way I got through was using claimyr.com - they call and wait on hold for you then connect you when a rep picks up. Otherwise you're looking at calling 50+ times just to get in the hold queue.

I've had luck calling right when they open at 8am. Still waited 45 mins but at least got through.

This is so true! I think it has something to do with when your claim was originally filed or something. The system is not consistent at all.

This is gold! Should be pinned to the top of this sub honestly.

Saving this! So helpful.

Just used claimyr today after seeing this comment. Got through in 35 mins when I'd been trying for DAYS on my own. The agent was able to see that my payment was actually processing normally and should hit PayPal tomorrow. Such relief!

Truth. I've noticed it can even vary depending on holidays or weekends. Whole system is unpredictable af

I switched from a regular bank to PayPal last month and the first payment was about 18 hours later than normal, but since then it's been consistent. No missing payments.

I did have a payment go missing when I switched but found out later it was because I had entered my account number wrong 🤦‍♂️ Double check your info and you should be fine

I had a payment delayed by a week when switching. Had to call and they had to manually release it. Used claimyr.com to reach someone quickly instead of calling for hours.

I had some issues with Chime flagging my account for "suspicious activity" twice when there wasn't any. Their customer service was terrible about it too. Also needed the PayPal debit card features for some online purchases.

Ah that makes sense. Chime can be weird about that stuff. Hope your PayPal deposit comes through soon!

NY unemployment doesn't offer split deposits unfortunately. You'd have to set up automatic transfers after receiving the full amount in one account.

That's great to hear! I'm actually considering switching from my regular bank to PayPal for unemployment deposits since Tuesday mornings sound way more predictable than the random Wednesday/Thursday timing I get now. Did you notice if PayPal sends you a notification right when it hits your account?

Yes! PayPal sent me a push notification as soon as it hit, plus an email. The notification was actually faster than when I check the app manually. Definitely recommend turning on notifications if you switch - takes away some of the anxiety of wondering when it'll come through.

This is really helpful advice about the verification! I just switched to PayPal last week too and was worried when my deposit didn't come at the usual time yesterday. My PayPal account is fully verified so hopefully it'll hit today or tomorrow morning like you mentioned. Thanks for sharing your experience - 6 months of consistent Tuesday morning deposits sounds way better than the chaos I was dealing with at my old bank.

Really good point about the verification! I learned this the hard way when I first started using PayPal for direct deposits from my employer - they held my first payment for 3 days until I completed identity verification. Definitely get all that sorted before your deposit is supposed to come through. Also, just to add - I've noticed PayPal's deposit timing can vary slightly during holiday weeks or if there are banking delays, but it's still more predictable than most traditional banks I've used for unemployment.

Thanks for the detailed info about PayPal verification! I'm actually thinking of switching from Chime myself since I keep seeing people say PayPal is more reliable. Quick question - do you know if PayPal charges any fees for receiving unemployment deposits? I know some prepaid cards do but wasn't sure about PayPal.