PA UC payments via Chime direct deposit - anyone having issues?
Has anyone switched their PA UC direct deposit to a Chime card/account? I've been getting my benefits on the Money Network card but the fees are killing me. Thinking about changing to my Chime account but nervous about delays or problems. My rent is due in 10 days and I CANNOT afford any payment hiccups. Does PA UC work smoothly with Chime or should I stick with what's working? Anyone made this switch recently?
15 comments
Connor Rupert
I switched to Chime for my UC payments about 2 months ago and it's been working fine. Just make sure you enter your Chime account/routing numbers correctly on the PA UC portal. The first payment after switching might take an extra day to process - mine did - but after that initial transition, my payments have been coming in consistently every two weeks. The switch was definitely worth it to avoid those Money Network fees.
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Sophie Footman
•Thanks for sharing your experience! Did you have to call UC to confirm the change went through, or did it just work automatically after you updated it online?
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Molly Hansen
chime works good but watch out for holidays!! my payment was delayed 3 days over memorial day weekend and i almost lost my mind lol
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Sophie Footman
•Ugh, that's exactly what I'm worried about. Did you end up having to pay late fees on anything because of the delay?
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Brady Clean
I'm using Chime with no issues for over 6 months. Here's what you need to know: 1. When you change direct deposit info, PA UC system will put a 7-day hold on your payment for security reasons. This is standard procedure. 2. Make sure you verify your direct deposit info BEFORE saving changes - if you enter wrong numbers, fixing it can take weeks. 3. Chime sometimes posts UC payments up to 2 days earlier than traditional banks once everything is set up. 4. Keep your Money Network card active until you've successfully received at least one payment to Chime. Also, if you need to speak with someone at UC to confirm everything is correct, I recommend using Claimyr (claimyr.com) to get through to an agent quickly. They have a good video explaining how it works: https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2. Saved me hours of busy signals when I needed to verify my direct deposit change went through properly.
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Sophie Footman
•This is super helpful - thank you! I had no idea about the 7-day hold, that's really important to know. I'll definitely keep my Money Network card active during the transition. Do you know if there's a specific day of the week that's better to make the switch?
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Skylar Neal
DO NOT USE CHIME!!! My account got frozen when I switched my UC to Chime and it took 3 WEEKS to get my money!!! The PA system flagged it as potential fraud and I couldn't pay my rent!!! Had to borrow money from my sister. So humiliating.
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Connor Rupert
•That sounds like an isolated incident. Did you recently open your Chime account? PA UC sometimes flags new accounts as potential fraud risks, but that's not specific to Chime - it's any new bank account that gets added shortly after being opened.
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Vincent Bimbach
I've been using Chime for my PA unemployment for like 6 months now. No problems at all!! Way better than that stupid Money Network card!
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Kelsey Chin
Just be aware that ANY change to your direct deposit will trigger a review of your claim. It's not just about the direct deposit itself. If there are any open issues or unresolved questions on your claim, they might put a hold on everything until those are resolved. This happened to me when I switched from Bank of America to Chime last year. They suddenly "discovered" that they needed more information about my job separation from 3 months earlier. Took weeks to resolve. Before switching, log into your UC account and make sure there are no open issues or action items. If everything is clear, the switch should go smoothly. If you see any open issues, resolve those first before changing your deposit info.
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Sophie Footman
•Oh wow, I hadn't thought about that. I just checked my portal and thankfully I don't have any open issues showing. Do you think it matters how long I've had my claim active before making a change? I've been on UC for about 4 months now.
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Norah Quay
i tried to change my direct deposit info and the website crashed halfway thru. ended up with NO PAYMENT for 3 weeks because the system got confused. had to call 57 times before i got through to someone to fix it. make sure u have time to complete the whole process without interruption.
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Brady Clean
•This is why I always recommend making any account changes early in the morning (before 9am) or late evening (after 7pm) when the system has less traffic. The PA UC website is notorious for timing out during peak hours.
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Sophie Footman
Thanks everyone for the helpful advice! I'm going to wait until after my next payment hits the Money Network card, then make the switch to Chime on a Sunday evening when the website traffic should be lower. I'll double-check all my account numbers and make sure I don't have any open issues on my claim before making changes. I appreciate all your experiences - really helped me plan this carefully!
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Brady Clean
•Smart approach. One more tip: take screenshots of your confirmation page after making the change. PA UC's system sometimes doesn't send the confirmation emails it promises, and having those screenshots has saved many people headaches when trying to trace what happened with their direct deposit changes.
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