PA UC direct deposit suddenly switched to debit card with new claim - how to change back?
Just reopened my claim for the season (I work in road paving and get laid off every winter when it's too cold to pour asphalt). Been collecting UC benefits during off-season for years with no problems, always using direct deposit. But this time when I filed my new claim for 2025, the system is saying I'll get the Money Network debit card instead of direct deposit to my checking account like before! Is this normal when starting a new benefit year? I really don't want to deal with a card - I've got all my bills set up with my bank account. Has anyone else had this happen and know how to switch back to direct deposit? The website is confusing me.
26 comments


Ellie Perry
This happens every time you start a new benefit year. When your previous claim expires and you file a new application, the system defaults back to the debit card option. You'll need to re-enter your direct deposit information. Log into your PA UC account, go to 'Payment Information' under 'My Benefits Plan' and select 'Update Payment Type.' You'll need your bank routing and account numbers handy to switch back to direct deposit.
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Mohamed Anderson
•Thank you! I'll check that section tonight. Do you know if I'll get the first payment on the debit card before the direct deposit kicks in? I don't even have the card they're talking about.
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Landon Morgan
same thing happend to me last winter! so annoying they make u redo everything when u file a new claim. the direct deposit option isnt obvious to find either
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Teresa Boyd
•Ran into this in January. It's ridiculous they don't make it clearer. For some reason they think everyone wants that stupid debit card. Took me forever to figure out how to switch back!
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Lourdes Fox
I had this problem and called to fix it - sat on hold FOR THREE HOURS before getting disconnected. Then I tried using the claimyr.com service which got me through to an agent in like 20 minutes! They have a video showing how it works: https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2. The agent confirmed new claims always default to debit card and helped me switch back to direct deposit. Worth it instead of waiting on hold all day.
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Bruno Simmons
•Is that service legit? I've been trying to reach PA UC about a different issue for weeks. Sounds too good to be true honestly
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Aileen Rodriguez
I've worked seasonally in landscaping for 9 years and THIS HAPPENS EVERY SINGLE TIME with PA unemployment!!! The system ALWAYS defaults to that stupid card when you file a new claim even if you've used direct deposit for years!! It's like the system has amnesia every time you start a new benefit year. The worst part is they don't even tell you clearly that it resets! One year I didn't catch it and ended up waiting 3 weeks for a debit card I didn't want that got lost in the mail. THE ENTIRE SYSTEM NEEDS TO BE REBUILT FROM SCRATCH!!!
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Zane Gray
•You're absolutely right. The PA UC system has all these bizarre quirks that make no sense. Another tip for the original poster: after you update to direct deposit, take a screenshot of the confirmation page. I've had the system mysteriously revert back to the card option even after I changed it.
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Mohamed Anderson
Just wanted to update - I found the option to change to direct deposit but it says that the change won't take effect for 2-3 business days. My first payment will go to the debit card (which I haven't received yet). Rep said they'd be sending a new card that should arrive in 7-10 days. Wish they would've explained this when I reopened my claim! Thanks for all the help everyone.
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Ellie Perry
•Glad you got it sorted out! Just a heads up - be sure to transfer any money from that card to your bank account when it arrives. Also, don't throw away the card even after you switch to direct deposit. Sometimes if there are adjustments or back payments, they default back to the card method.
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Landon Morgan
i hate that stupid money network card so much. they charge u fees for everything! last year i lost mine and they charged $5 to replace it can u believe that??
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Mohamed Anderson
•That's crazy! I just checked my mail and still no sign of the debit card. Getting a bit worried since my first payment should be processed by Monday. Does anyone know if there's a way to check the status of the card delivery?
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Bruno Simmons
The direct deposit thing happened to me too, but I had a different issue after switching it back. Their system showed I'd updated to direct deposit but my first two payments still went to the card! Make sure you call and confirm the change actually processed properly in their system even if the website shows it's updated.
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Lourdes Fox
•@OP - If you need to call to check on this, definitely use that claimyr service I mentioned. Regular phone lines are impossible right now with all the winter layoffs trying to call. My buddy waited on hold for 5+ hours last week and never got through.
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Diego Flores
This is such a common issue with PA UC! I work in construction and deal with seasonal layoffs every year - the system ALWAYS resets your payment method when you file a new claim. It's like they want to make it as difficult as possible. One thing I learned is to check your payment settings immediately after filing your new claim each year, because they won't remind you that it defaulted back to the card. Also, even after you switch to direct deposit, keep an eye on your first few payments to make sure they're actually going to your bank account and not the card. The system can be glitchy about actually implementing the change.
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Laila Fury
•Thanks for the heads up about monitoring the first few payments! I'm still waiting for my debit card to arrive and getting nervous since my payment should process Monday. Did you ever have issues with the card getting lost in the mail? Also wondering if there's any way to track when they mail it out or get a replacement sent faster if it doesn't show up.
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StormChaser
•@Laila Fury Yes, I ve'had the card get lost in the mail twice over the years! There s'no tracking for the initial card delivery which is super frustrating. If it doesn t'show up within 10 business days, you can call Money Network directly not (PA UC to) report it missing and request a replacement. Their number should be on the PA UC website under payment info. The replacement usually comes faster - like 5-7 days. In the meantime, your payment will just sit on the card until it arrives, so you won t'lose the money, just can t'access it. Really annoying system!
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Fatima Al-Suwaidi
Had the exact same thing happen when I filed my new claim in January! It's so frustrating that PA UC doesn't warn you about this when you're reopening a seasonal claim. I've been doing the winter layoff cycle for 6 years and every single time I forget to check the payment method and end up scrambling to switch it back. Pro tip for next year - as soon as you submit your new claim, go straight to the payment settings and update it to direct deposit before you even do your first weekly certification. Saves you from having to deal with that debit card at all. The whole system really needs an overhaul - why can't it remember our preferences from previous claims?
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Liam Cortez
•That's a great tip about updating the payment method right after filing! I wish I had known that before - would have saved me all this hassle. It really is crazy that they can't just keep your previous preferences. I mean, if someone has been using direct deposit for years, why would they suddenly want to switch to a debit card? The system should at least ask you which payment method you want instead of just defaulting without any warning.
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Omar Zaki
This exact thing happened to me when I filed my seasonal claim in February! Been doing the winter layoff thing for construction work for about 4 years now and EVERY single time they reset it to that debit card. What's really annoying is they don't even mention it during the application process - you just find out when you check your payment status later. I've learned to immediately go update my payment method as soon as I submit the new claim. Also heads up - even after you switch it back to direct deposit, double check that your bank routing number didn't get scrambled. One year they somehow changed one digit in my routing number and my payment got rejected, had to wait another week to fix it. The whole PA UC system feels like it was designed to create as many headaches as possible!
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NeonNova
•Wow, that routing number mix-up sounds like a nightmare! I'm definitely going to triple-check all my banking info when I update to direct deposit. It's ridiculous that we have to be so vigilant about these basic things. Did you have to call them to fix the routing number issue, or were you able to correct it online? I'm hoping I can avoid having to deal with their phone system if possible - sounds like getting through is nearly impossible right now.
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Natasha Orlova
This is so frustrating but unfortunately completely normal with PA UC! I'm a seasonal worker too (landscaping) and this happens EVERY year when I file my new claim. The system has no memory of your previous payment preferences - it's like starting from scratch each time. Here's what I've learned: 1) Change your payment method to direct deposit IMMEDIATELY after filing your new claim, don't wait. 2) Take screenshots of everything for your records. 3) Your first payment will still go to the debit card since the change takes a few days to process. 4) Even after switching, monitor your first few payments to make sure they actually go to your bank account - I've had the system glitch and revert back to the card. It's a poorly designed system that creates unnecessary stress for seasonal workers who rely on it every year. Hang in there!
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Amara Eze
•Thanks for laying out those steps so clearly! As someone new to the seasonal unemployment cycle, this is really helpful. I'm definitely going to save your comment for next year so I remember to update the payment method right away. It's crazy that they make this process so complicated for people who go through it every single year. You'd think after dealing with thousands of seasonal workers annually, they would have figured out a better system by now. Really appreciate everyone sharing their experiences here - makes me feel less alone in dealing with this bureaucratic mess!
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Dylan Campbell
I'm dealing with this exact same issue right now! Just filed my seasonal claim last week after my landscaping job ended for the winter, and was so confused when I saw it defaulted to the debit card. I've been collecting UC during off-seasons for 3 years and always used direct deposit before. It's really frustrating that they don't explain this anywhere in the application process - I only found out when I logged back in to check my claim status. Going to update my payment method tonight based on everyone's advice here. Really wish PA would fix this system to remember our preferences from previous claims instead of making us jump through these hoops every single year!
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Isabella Oliveira
•I just went through this same exact situation! Filed my claim two weeks ago after getting laid off from my road maintenance job and was completely blindsided when I saw it switched to the debit card. Like everyone else here, I've been using direct deposit for years and they just reset it without any warning. I followed the advice from earlier comments and found the payment update section - it's buried under "My Benefits Plan" then "Payment Information." Make sure you have your routing and account numbers ready because the website will time out if you take too long entering the info. Also, just a heads up that even though I updated it last week, my payment that processed yesterday still went to the card (which I haven't received yet). So frustrating that they make seasonal workers deal with this every single year!
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Gianni Serpent
This is such a widespread issue that affects so many seasonal workers! I'm a roofer and have been dealing with this same frustrating cycle for 5 years now. What really gets me is that PA UC obviously knows most of their seasonal claimants prefer direct deposit since we've been using it for years, but they still force us to re-enter everything every single time we file a new claim. It's like they designed the system to be as inconvenient as possible. For anyone reading this who's new to seasonal unemployment - bookmark this thread! The advice here is gold. And seriously, PA needs to invest in updating this ancient system. Other states have figured out how to remember user preferences - why can't we?
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