Will NY unemployment payment go to new direct deposit account I changed yesterday?
I just updated my direct deposit info for my NY unemployment benefits yesterday afternoon. My weekly certification is already processed and says 'payment pending' in the system. Will this payment go to my new bank account or will it still go to my old account? I'm asking because I closed my old account and REALLY need this money to clear. Anyone know how long the direct deposit changes take to process?
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StarGazer101
Probably too late for this payment, tbh. Ny unemployment usually processes payments overnight after certification, so if you changed it AFTER certifying it's likely already headed to the old account. Maaaaybe if you did it really early yesterday but dont count on it
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Yara Nassar
AuthorOh no, that's what I was afraid of. I did the change around 3pm yesterday after I certified in the morning. Do you know if the payment will bounce back to NYSDOL if the account is closed?
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Keisha Jackson
Direct deposit changes with NYSDOL typically take 1-2 business days to process. If your payment status already shows 'payment pending' before you made the change, it will almost certainly go to your previous account. When the payment attempts to deposit into a closed account, it will usually be returned to NYSDOL, and they'll have to reissue it. This can take up to 3-5 business days after the return. You may want to call them to expedite this process.
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Yara Nassar
AuthorThank you for explaining that. Do you know if I need to do anything special to get them to reissue it? Or will it happen automatically once it bounces back?
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Keisha Jackson
In most cases, NYSDOL will automatically reprocess the payment to your new account once they receive the returned funds. However, these returns can sometimes get caught in processing limbo. If you don't see the payment hit your new account within 5 business days, I'd recommend contacting them directly to ensure they're aware of the situation.
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Paolo Romano
Had this exact same thing happen to me in January! The payment bounced back to NYSDOL and then it took almost 2 weeks for them to send it to my new account. Super frustrating when ur counting on that money!!
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Yara Nassar
AuthorTwo weeks? That's terrible! I can't wait that long...
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Amina Diop
The EXACT same thing happened to me last month! I changed my direct deposit the same day I certified and panicked because I also closed my old account. I called them like 15 times but couldn't get through to anyone. The payment eventually showed up in my new account but it took 8 days!!! I'm so sorry you're dealing with this too. The system is so frustrating!!!
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Yara Nassar
Author8 days is still better than 2 weeks I guess... but I need to pay rent. Did you do anything special to make it go through?
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Oliver Schmidt
Been in your situation before! Getting through to an agent is your best bet. When my payment went to a closed account, I had to speak with someone to get it fixed quickly. I used Claimyr (claimyr.com) to get through to an agent in about 10 minutes instead of spending hours on hold. They have a video demo showing how it works: https://youtu.be/Rdqa1gKtxuE Once I reached an agent, they were able to see that my payment had been returned and expedited the reissue to my new account. It posted within 2 business days instead of the 2+ weeks it would have taken otherwise.
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Yara Nassar
AuthorThat sounds really helpful! Did they ask for any specific information when you called? I'm going to try this today.
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Oliver Schmidt
Just have your NY.gov ID, the last 4 of your SSN, and date of birth ready. And tell them exactly what happened - that you changed direct deposit after certifying and the old account is closed. They can see the returned payment in their system and push it through to your new account faster.
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Natasha Volkov
For anyone else reading this thread in the future - ALWAYS update your direct deposit information at least 3 business days before your next certification to avoid delays. When payments go to closed accounts, they're automatically returned to NYSDOL, but the reissue process isn't immediate. The department has to (1) receive the returned funds, (2) process the return, (3) verify the new account information, and (4) reissue the payment. Each step can take 1-2 business days.
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StarGazer101
Wish they'd make this clearer on the website! nowhere does it say wait 3 days
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Yara Nassar
UPDATE: I used that Claimyr service to get through to an agent this morning. The woman I spoke with confirmed my payment did try to go to my closed account yesterday, but she was able to see it had already been returned. She expedited the reissue to my new account and said I should have it in 24-48 hours. Such a relief! Thanks everyone for your help!
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Paolo Romano
So glad it worked out! Gonna remember that service for next time I need to call them!
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Amina Diop
Thanks for updating us! I'm going to bookmark that service in case I ever have issues again. 24-48 hours is WAY better than waiting weeks!
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Vanessa Chang
This is such valuable information for anyone dealing with direct deposit changes! I'm new to NY unemployment and had no idea about the timing issues. Really appreciate everyone sharing their experiences here - it's way more helpful than anything on the official website. Bookmarking this thread and that Claimyr service just in case I run into similar issues down the road.
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Alfredo Lugo
Welcome to the community! You're absolutely right - this thread is a goldmine of real-world info that you just can't find on the official sites. The timing issues with direct deposit changes seem to catch so many people off guard. Definitely smart to bookmark this and that service @Oliver Schmidt mentioned. Hope you never need to use it, but better to have it just in case!
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Kaylee Cook
Exactly! I've been navigating the NY unemployment system for a few months now and I've learned more from community threads like this than from any official documentation. The direct deposit timing issue is such a common trap - you'd think they'd put a big warning about it right on the banking info change page. Really shows the value of having experienced members like @Keisha Jackson and @Oliver Schmidt sharing their knowledge here. This community has been a lifesaver for so many of us!
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Fatima Al-Mazrouei
Exactly! I've learned more from this one thread than from hours of trying to navigate the DOL website. It's crazy how these timing issues aren't clearly explained anywhere official. @Vanessa Chang - definitely keep that Claimyr info handy. From what everyone s'shared here, it seems like the difference between getting help in days vs weeks when things go wrong.
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Yuki Watanabe
Absolutely agree! I've been dealing with NY unemployment for about 6 months now and learned so many of these little details the hard way. The official website is pretty bare bones when it comes to explaining the real-world timing of things like direct deposit changes, payment processing delays, etc. This community has been a lifesaver for getting actual answers from people who've been through it all. @Yara Nassar glad everything worked out for you in the end!
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CosmicCommander
@Alfredo Lugo Exactly! I ve'been on unemployment in other states before and never had issues like this with timing. NY s'system seems particularly sensitive to when you make changes. Really glad @Yara Nassar got everything sorted out so quickly with that agent. Stories like hers give me hope that even when things go wrong, there are ways to fix them fast if you know the right resources to use.
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Mateo Rodriguez
Exactly! I've been on unemployment in two other states before moving to NY and the direct deposit timing rules are so different everywhere. In California they tell you upfront about the 3-day rule, but NY's website barely mentions it. This community has been a lifesaver for navigating all the quirks of the NY system. @Yara Nassar s'situation is probably more common than people realize - who hasn t'had to close a bank account unexpectedly? At least now we all know what to do if it happens!
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CyberSamurai
This whole thread is incredibly helpful! I'm dealing with a similar situation right now - changed my direct deposit info yesterday but my payment already shows as processed. Reading through everyone's experiences, it sounds like I should expect it to bounce back and then call using that Claimyr service to get it expedited. @Yara Nassar thanks for sharing your update - gives me hope that this can be resolved quickly with the right approach!
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Reina Salazar
@CyberSamurai you're definitely on the right track! Based on what everyone's shared here, it seems like calling through that service as soon as you see the payment bounce back is the key to getting it resolved quickly. @Yara Nassar s'experience shows it really can make a huge difference - 24-48 hours versus potentially weeks of waiting. Make sure you have all your info ready when you call like @Oliver Schmidt mentioned. Fingers crossed your situation gets sorted out just as smoothly!
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