New York State Website

Frequently Asked Questions (FAQs) - Direct Deposit


How do I register for direct deposit?

You may register for Direct Deposit after you login at the Benefits Online Page. The Direct Deposit system is available from 7:30 am until midnight Monday through Friday and all day Saturday and Sunday. You may also register from the "Confirmation Page" when you are filing a new claim or claiming your weeky benefits.

You must have a check handy to provide the following information:

  • Bank Routing Number
  • Checking Account Number

If you do not have the above information when you are registering, you will not be able complete your request to use Direct Deposit.

Do not use a checking account deposit slip to obtain your bank's routing number or your account number as they may include numbers which cannot be used for direct deposit purposes.

If your financial institution has recently merged with another financial institution, you should contact them first to obtain the new bank routing and account numbers.

Once you have registered for direct deposit and your banking information has been verified, it is not necessary to re-register. You will only need to re-register if your banking information has changed.

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How do I cancel or change my direct deposit information?

You may only cancel or change your direct deposit information online after you login at the Benefits Online Page. The Direct Deposit system is available from 7:30 am until midnight Monday through Friday and all day Saturday and Sunday. You may also access the Direct Deposit system from the "Confirmation Page" when you are filing a new claim or claiming your weeky benefits.

Your "Confirmation Page" will include information about Direct Deposit each week you claim your weekly benefits, regardless of whether you have selected the Direct Deposit option. This is so you will always have the option to have Direct Deposit or stop Direct Deposit. It will also allow for updates to your Direct Deposit information in the case that you have changed banking institutions.

Direct deposit remains in effect on the unemployment insurance records until you notify the Department to cancel direct deposit. This means that even if you return to work for a period of time, become unemployed again, and reopen the same UI claim or file a new claim, the direct deposit remains active on your claim. Benefits paid on a reopened claim will be directly deposited to the checking account on record unless you stop or change the account information.

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How long does it take for Direct Deposit to take effect?

Whether you are registering for direct deposit or changing your existing account information, it will take approximately 5 business days between the date your account information is received and the date that your benefits can be electronically sent to your checking account. If you already have a Direct Payment Card, your weekly benefits will be transferred to your card during this time. Once direct deposit has been established, benefits will be deposited to your checking account usually within three business days after you claim your weekly benefits.

It is your responsibility to verify receipt of unemployment benefits with your financial institution before writing checks against that fund.

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What benefit programs allow Direct Deposit of benefits?

The following programs do not offer the choice to have benefits paid by direct deposit: Trade Adjustment Allowances (benefits paid under Trade Adjustment Act (TAA) or Trade Readjustment Allowances (TRA)), Disaster Unemployment Assistance (DUA), Self-Employment Assistance Program (SEAP) and Shared Work.

However, if you registered for direct deposit while you were receiving regular unemployment insurance, your weekly benefits will continue to be directly deposited during the period you are collecting under one of the above programs.

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I just filed a new claim, when will I receive my first payment?

If everything is in order on your claim, you should receive your first benefit payment about three to four weeks after you have applied for benefits.

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What if I think my payment is late?

You must first determine if your benefit payment was released by the Department of Labor, then check to see if your benefit payment was deposited into your checking account.

To find out if a payment was released, login at the Benefits Online Page and click on the icon to view your payment history. You may review your payment history online between the hours of 7:30 am to midnight Sunday through Saturday.

If the payment has been released, check with your financial institution three business days after the payment release date to see if the deposit was made to your checking account.

If there is a problem on your claim, you may be contacted by the Telephone Claims Center (TCC). Follow the directions they give you. If your payment has not been relased and you have not been contacted in two weeks, you should contact the Telephone Claims Center.

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