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Megan D'Acosta

Will my NY unemployment payment be delayed because I certified right before a holiday?

Just wondering if anyone knows how the payment schedule works around holidays. I certified for my unemployment benefits yesterday (Saturday), but today is a federal holiday. Normally I get my money deposited by Monday, but I'm worried the holiday might push everything back. Does anyone know if I'll still get my payment on Monday or will it be delayed until Tuesday or even Wednesday? I'm trying to plan my bill payments and really need to know when to expect the money to hit my account.

It'll probably be delayed unfortunately. Holidays always mess up the deposit schedule. When I certified before Memorial Day, my payment didnt show up until Wednesday. Just a heads up so ur not counting on it for Monday.

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Dang, I was afraid of that. I really needed it by Monday. Thanks for the info.

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Same thing happened to me last year. The whole system is so unpredictable sometimes 🤦‍♀️

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Its actually pretty predictable - fed holidays ALWAYS delay everything by at least 1 day. Banks dont process on holidays.

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This sounds super fishy. Has anyone else actually used this before?

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I just checked out that site. So they basically just wait on hold for you? That's actually pretty genius considering how impossible it is to get thru the phone lines

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wait hold up - does this actually work or is it just the usual BS? I've been trying to reach someone for like a month about my missing payments

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In my experience with ny unemployment, if you certified on Saturday before a holiday Sunday, your payment will probably hit Tuesday. The system processes claims on Sunday night/Monday morning, but since Monday is a bank holiday, the actual deposit won't process until the next business day. That's been my pattern anyway.

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The DOL website actually has a payment schedule somewhere that explains all this. I think there's a chart that shows when payments go out based on certification and holidays. Has anyone seen this? I can't find the link now.

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https://dol.ny.gov/unemployment/get-your-benefits-payment-information I think its this? They dont really explain holiday delays specifically tho

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Thats it! Yeah ur right, they dont really explain the holiday thing clearly. Typical government communication lol

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LPT: Always keep a small emergency fund for exactly this reason. Unemployment payments are notoriously unpredictable, especially around holidays. I made this mistake last Thanksgiving and ended up having to borrow money from my mom 😭

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I wish I could but I've been on unemployment for 3 months now and my savings are pretty much gone. This economy is brutal.

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just keep an emergency" fund is such privileged advice lol. Like yeah we all wish we could but when rent takes 70% of yourincome...

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Sorry, wasn't trying to sound preachy. I've been there too. Just sharing what I learned the hard way.

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I've been on UI benefits in New York for almost 9 months now (ugh), and here's what I've learned about the payment schedule: • Regular certifications (non-holiday): If you certify Sunday, you typically get paid Tuesday or Wednesday • Holiday situations: Add at least one business day to whatever the normal timeline would be • Bank matters: Some banks (like Chase and Capital One) sometimes release the funds a day early • Direct deposit vs debit card: Direct deposit is generally faster • System outages: These randomly happen and can delay everything by 1-3 days The most reliable way to track your payment is through your payment history on the website, but even that sometimes updates late. If you're having ongoing payment issues or need immediate help, I highly recommend using claimyr.com to get through to an agent. It costs a bit but honestly saved me thousands in delayed benefits. Hope this helps!

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This is super helpful, thank you! I have Chase so maybe there's hope it'll come through earlier.

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9 months on UI? Have you hit your benefit year end yet? Make sure you reapply when you do!

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Not yet! I think I have about 8 more weeks before my benefit year ends. But yes, already dreading the reapplication process 😩

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I literally call this "The Holiday Delay Dance" 💃 Every time there's a holiday I just automatically add 2 days to whatever I'm expecting. The unemployment gods must be appeased with our suffering lmaooo

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The Holiday Delay Dance 🤣🤣🤣 perfect name for it!

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This might not be what u want to hear but maybe call them tomorrow? I know its a nightmare getting through but sometimes they can push payments through faster if u explain ur situation.

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Every time I try calling I just get an automated message saying high call volume and it hangs up on me. So frustrating!

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Try claimyr.com - they get you past the busy signals. Worked for me when I was in the same situation last month.

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am i the only one who thinks its INSANE that the unemployment system shuts down for holidays when people are literally depending on it to eat and pay rent? like the computer systems couldn't just... keep running automatically? 🤡

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THIS! It's 2023, why are government systems still operating like it's 1985? 💯

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It's not the computer systems, it's the banks that don't process ACH transfers on federal holidays

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then they should process the payments a day EARLY before holidays, not late! problem solved!

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OK so my roommate works for a bank and she said that ACH transfers (which is how UI payments go through) don't process on federal holidays at all. So even if NYSDOL sends the payment, it sits in a queue at the bank until the next business day. Nothing anyone can do about it unfortunately.

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What bank do you use? Some banks hold the funds longer than others. I switched from Wells Fargo to a local credit union and now get my payments a day faster every week.

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I'm with Bank of America. Maybe I should look into switching if this keeps happening.

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I certified last Sunday before a holiday Monday and my payment actually hit my account on Wednesday around 2am. So i think you'll probably see yours Tuesday night/Wednesday morning.

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I've been dealing with this exact situation for months now. The pattern I've noticed is that if you certify on Saturday before a holiday Monday, your payment will typically hit Wednesday morning instead of the usual Tuesday. The system processes everything Sunday night, but since Monday is a federal holiday, banks don't process ACH transfers until Tuesday, which means you see the money Wednesday. It's super frustrating when you're counting on that money for bills! I've started planning around this by always assuming holiday delays will happen. Hope this helps you plan better for next time!

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