PA UC direct deposit to CashApp card - payment stuck on 'total payment' status
Hi everyone, I'm having an issue with my PA unemployment payments. I set up my direct deposit to go to my CashApp card about 3 weeks ago (switched from the Money Network card because of all the fees), but I still haven't received anything. When I check my claim status online, the payment type says "total payment" but no money has hit my CashApp card. Has anyone else used CashApp for their UC payments? Is there something special I need to do? My weekly claims are all showing as accepted, so I don't understand the holdup. Getting desperate as rent is coming due soon!
20 comments
Diego Fisher
DONT use cashapp for uc payments!! they hold the $ for like 5 days sometimes. happened to me back in january
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Evelyn Kim
•Really?? They didn't mention anything about holds when I set it up. Did you eventually get your money or did you have to call someone?
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Henrietta Beasley
I've been using CashApp for my PA UC payments for about 6 months now. The first payment can take longer to process - up to 5-7 business days. After that initial payment, mine typically arrive 2 days after the payment date showing in the system. One thing to check: make sure you entered your routing and account numbers exactly as they appear in your CashApp banking details. Even one digit off will cause the payment to be rejected and returned to UC, which causes significant delays.
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Evelyn Kim
•Thank you! I double-checked my routing and account numbers in the UC portal and they match what's in my CashApp. Maybe it is just the first payment delay. Did you notice if the payment status said "total payment" for a while before it actually arrived?
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Henrietta Beasley
•Yes, "total payment" status just means the payment has been processed on PA UC's end, but it doesn't mean the money has actually been transferred to your account yet. The banking system can take additional days to complete the transfer, especially for the first payment to a new account. If it's been more than 7 business days, you should definitely contact PA UC.
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Lincoln Ramiro
This happened to me too but it was with chime not cashapp. took FOREVER to get my first payment it was like 9 days!!! But after that it was fine came in 2 days. The uc website is so confusing bc it says payment issued but then nothing shows up for days
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Faith Kingston
I had similar issues with direct deposit to my CashApp card last year. The "total payment" status means PA UC processed the payment on their end, but there's still processing time for the banks involved. For CashApp specifically, they often hold unemployment deposits for "verification" - this is something they don't advertise but it's in their terms of service. After trying for weeks to get through to both PA UC and CashApp customer service with no luck, I found Claimyr (claimyr.com) and they got me connected to a PA UC agent in about 30 minutes. There's a demo video that shows how it works: https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2. The agent confirmed my payment was sent but explained that some financial institutions like CashApp have longer hold times for government payments. After that conversation, I switched to direct deposit to my regular bank account and haven't had issues since.
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Emma Johnson
•is claimyr legit? seems sketchy to pay to talk to unemployment
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Faith Kingston
•It's definitely legit - they don't handle your claim or anything, they just help you skip the phone queue. I was desperate after two weeks of constant busy signals. Since PA UC doesn't offer callbacks like some states do, it was worth it for me to finally speak to someone.
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Liam Brown
I HATE THE UC SYSTEM!!!! Ive been having payment problems for MONTHS and each time i call its busy busy busy. They make it IMPOSSIBLE to talk to a real person when theres issues. "total payment" status has shown on my account for over a week before money actually hit my account before. The system is designed to make you give up i swear
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Evelyn Kim
•It's so frustrating! I'm trying to remain calm but it's hard when bills are due. Did you have to call to fix the problem or did it eventually resolve itself?
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Liam Brown
•Mine eventually went through but took like 9 days total. BUT i had a friend who had to call because turns out her payment was getting sent back due to "verification issues" with her bank account number. UC never notified her, she only found out by finally reaching someone on the phone.
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Olivia Garcia
There are a few things to understand about the PA UC payment process: 1. "Total payment" status means PA UC has released the funds, but it doesn't mean your bank has received or processed them yet. 2. First-time direct deposits to a new account typically take 5-7 business days (not calendar days) for processing. 3. Some financial services like CashApp, Chime, and other online banking platforms have their own processing timelines for government payments, which can add 1-3 additional business days. 4. If it's been more than 10 business days since your payment status changed to "total payment," you should contact PA UC directly as there may be an issue with your banking information. In my experience helping people with UC claims, alternative financial services like CashApp often have longer processing times for government deposits compared to traditional banks. This isn't unique to PA - it's common across unemployment systems nationwide.
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Evelyn Kim
•Thank you for the detailed explanation! It's been 8 business days now, so I'll give it a couple more days before panicking. I might look into switching to my regular bank account for future payments if CashApp continues to be slow.
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Noah Lee
my cousin had this happen with his unemployment he called cashapp and they said something about a security hold for first time government deposits they had to verify his identity or something before releasing the funds
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Emma Johnson
I didn't use Cashapp but I had my UC payments going to my Venmo debit card last year. Same thing happened - said "total payment" but nothing showed up. I called PA UC and they said the payment was returned because Venmo rejected it. Had to switch to a regular bank. Might be same issue with Cashapp?
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Evelyn Kim
•That's concerning! Did PA UC automatically resend the payment or did you have to request it again? I'm worried about having to start the whole process over.
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Emma Johnson
•they had to reissue it after i gave them new bank info. took about 2 weeks total to get the money :
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Henrietta Beasley
Just checking back - has your payment arrived yet? If not, I would definitely try to contact PA UC directly. While "total payment" status usually means things are processing normally, there's always the possibility of a technical issue that needs to be addressed, especially with non-traditional banking options like CashApp.
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Evelyn Kim
•It finally came through this morning! Took 9 business days total. Thanks everyone for your help - I'm going to switch to my regular bank account for future payments to avoid this stress next time.
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