Direct Deposit To Your Own Bank Account Or Prepaid Card
Similar to how you may have used direct deposit to receive your paycheck, you can have your money automatically sent to your checking or savings account or a prepaid card that you already own.
What you need to know
- Benefits go directly to your own bank or credit union account or prepaid card
- Access your benefits same as you already do with other money in that account
- Benefits are sent to your account for free
What to watch out for
- Look closely for this option when filling out unemployment forms
- People without their own bank account or prepaid card must open one to take advantage of this option
With direct deposit, you receive your money quickly and safely, and you can manage your unemployment benefits just like any other funds in your account. It also eliminates the risk of paper checks getting lost or stolen, as well as the need to physically deposit or cash it at a bank or credit union.
If you prefer to use a prepaid card, direct deposit is generally an option, but youll want to check first with your card provider to find out if your card is eligible to receive direct deposit. If you dont already have a bank or credit union account or prepaid card, youd need to open a new account first, which many financial institutions are allowing you to do online.
No matter what state you live in, the following information is typically whats required for signing up:
How Can I Track My Unemployment Debit Card In The Mail
Your state’s unemployment website will inform you of when you can expect to receive your debit card. This can take a few weeks after you file your claim, so it’s a good idea to be careful with your budget until your card arrives. States typically use standard mail to send your card, so no tracking is available.
Other Debit Card Considerations
Checking purchases: The back of your debit card should include a customer service number as well as a website address. These services can provide you with statements that show you your recent purchases.
Minimizing fees: Some debit card companies, including those contracted by state unemployment departments, charge fees for certain activities, such as using an ATM or taking advantage of bill pay services. Make sure you understand these fees before you use your card, as well as ways that you can minimize or avoid fees entirely:
An alternative to an unemployment debit card is to request your benefits via direct deposit into a checking or savings account. There are usually no fees associated with the direct deposit, and you won’t have to worry about ATM limits, or finding a no-fee ATM when accessing your funds.
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How Much Can You Get
How much you can receive in unemployment benefits depends on your state and your income. Find your state on the interactive menu below to see the maximum amount you may be eligible for. If youre approved for less than the weekly max, you may qualify for additional benefits if you support a dependent.
Benefits stated below do not include any additional benefits that you may be eligible for under the C.A.R.E.S. Act.
Ways To Receive Unemployment Benefits
Here are the most common ways to receive your unemployment insurance benefits:
Check the website of your states unemployment office because the options and processes for signing up can vary, and due to the coronavirus, it may be difficult to reach a customer service representative for additional support.
Your States Unemployment System Is Antiquated
According to reporting by The Washington Post, the District of Columbias unemployment website was based on 1950s programming language. It was also built in the early 2000s, before smartphones. That meant that anyone without access to a desktop or laptop computer has to make a claim by phone. Whats more, a single pandemic-related change to unemployment benefits took computer programmers more than two weeks to implement.
What Could Be Holding Up Your Payments
When youve reached a year on your unemployment claim, some people can just keep recertifying every week on their existing claim while others need to file a new claim. According to the DOL, you should have gotten an email or text message with instructions about what to do, and a DocuSign form to fill out. Thats the first tip.
1. Fill out the DocuSign form.
Whether you need to file a new claim or not, everyone needs to fill out the DocuSign form to continue receiving benefits. This is not the same thing as filing a new claim.
2. Triple check to make sure you dont need to file a new claim.
If you are receiving Pandemic Unemployment Assistance, or PUA, you can just keep recertifying and dont need to file a new claim. But if you are collecting traditional unemployment insurance , you may need to.
You need to file a new claim if you have made more than 10 times your weekly benefit in total over the last year from an employer.
For example, if your weekly benefit amount is $150, then 10 times that is $1,500. So, if youve gone back to work even temporarily and have made at least $1,500 in total in the span of the year when your claim has been open, then you need to file a new claim when you reach your BYE date. Once again, this means $1,500 in total, not just in one week.
This DOL fact sheet may be helpful.
Important note: New claims can take two to three weeks to process, and your payments may get backed up.
3. Do you need to verify your identity?
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New York Unemployment Insurance Compensation Enhanced Pandemic Benefits Pua Peuc And $300 Fpuc Weekly Boost September 2021 Extensions Payment News Status And Updates
New York state, one of the hardest hit by the Coronavirus/COVID crisis has also seen one of the largest spikes in unemployment and subsequent claims under the many federally funded unemployment programs. The NY Department of Labor is the main agency tasked with managing the states unemployment insurance program, including processing claims and paying benefits for the federally funded enhanced UI benefit programs.
These have been extended several times after enactment last year, and you can jump to relevant coverage period via the links below which contain information, eligibility and payment updates.
Please also see the many comments at the end of the article where people have shared their stories, tips and struggles getting paid under one or more of these programs.
Understanding Unemployment: Your Guide To Getting Benefits
If filing for unemployment has you feeling confused, youre not alone. Weve put together a guide to help you learn how to file for unemployment, as well as understand changes you might see in the wake of COVID-19 . Things are changing fast, and were doing our best to stay up to date.
This guide is for informational purposes only. Chime does not provide financial, legal, or tax advice. You should check with your legal, financial, or tax advisor for advice specific to your situation. Your state or local unemployment agency is responsible for making all determinations on your eligibility for unemployment benefits. Please contact your state or local unemployment agency if you have questions.
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How Long Does It Take To Get Unemployment Money On My Debit Card
The time it takes to get your first payment via debit card depends on where you live. For example, it can take four weeks for someone in Texas to receive their first payment, while recipients in Washington state can expect to receive it about two weeks after being approved for benefits. Your state should tell you when you can expect the payment to be added to your card’s balance.
Once your benefits begin, most states send payments every two weeks after you have certified your continued eligibility for unemployment benefits. This means that you either call into a voicemail system or log in online and answer questions about whether you have been employed, any money that you have earned and whether you have made efforts to find a new job. Every state is different, but in many cases, a deposit will be made within a day or two after you certify.
Unemployment Claims Are Falling Across New York State But Many First
Another week of record-high growth on the jobs front: 161,381 jobs and counting! Be part of New York’s comeback, let us help you find the career you love .
NYS Department of Labor May 7, 2021
As New York state rushes to vaccinate as many residents as possible, some signs point to a quick economic recovery. By the end of March, the New York Department of Labor reported an eighty-six percent decrease in initial claims across the state.
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When Do My Benefits End
If youre eligible to receive unemployment benefits in New York, you can typically get them for up to 26 weeks during a one-year period, though its possible benefits may be extended because of crisis economic conditions.
That said, you can lose your benefits if you stop meeting all of the eligibility requirements. To continue receiving benefits, youll need to certify your benefits by requesting payment through the state website or phone system every week. Youre basically confirming for the state that you were still unemployed during the past week.
Youll also need to meet the states requirements for job-hunting and document your efforts if the department of labor asks for confirmation.
Do This To Keep Your Checks
Once your unemployment benefits begin appearing, you’ll want to keep them. But you must take steps to do so. Skip even one, and your checks could stop for good. To keep your benefits, you must:
- Look for work. Benefits are for people ready and willing to work. Keep a detailed record of your job hunt, including the names, addresses, and telephone numbers of the companies you contacted about a new job. You may not be asked to provide this form every week, but it’s best to keep it handy just in case you are asked for it.
- Accept a job, if possible. If you’re offered a job appropriate for your training and experience, and the salary is within normal limits, you must take that opportunity. If you don’t because you’re not ready or don’t want to, you could lose benefits.
- Appear when asked. If you have an appointment made to discuss your benefits, you must appear. And if you’re called or otherwise tapped for information, you must provide it.
Every week, you must contact the Department of Labor and claim your benefits. You can do that via the website, or you can call 1-888-581-5812. Officials say most people claim benefits on Sunday for the week that ends on Sunday. Officials also say you’ll get the quickest response if you use the website to certify your status.
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Using A Debit Mastercard
You must activate your debit card when you receive it. The DUA Debit MasterCard® is a safe and secure method of receiving your unemployment benefits.
With the DUA debit card, you can:
- Get quicker access to your benefits
- Avoid overdraft fees
- Pay for items everywhere that MasterCard® debit cards are accepted at no charge, including:
- In stores
How To Check The Status Of My Unemployment Debit Card
After you are approved for unemployment benefits, your state may offer you the option of receiving your benefits on a debit card. This card will typically be mailed to you soon after your benefits are approved, and it will be up to you to monitor any activity on it, including the receipt of your benefits.
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Watch Out For Potential Unemployment Scams
During times of emergencies and natural disasters, the rates of scam activities increase. Its important to stay vigilant and aware of scammers who may pretend to be a government agency in order to gain access to your personal information.
Possible scams include emails, texts, phone calls, or social media messages that appear to come from the U.S. Department of Labor or your states unemployment office, asking you to verify your personal information, including your name, Social Security number, or bank account information. Scammers often also ask for up-front fees in order to process your payments or application.
How To Check If You Were Paid For All The Weeks
If you were paid for all the weeks, great! If not, here is what to do:
Unemployment Program Extensions Under Covid Relief Bill
The $900 billion COVID-19 relief package was passed into law on Dec. 27, 2020, which among several other pandemic relief measures extends and provides additional federal funding for enhanced unemployment benefits. This includes the Pandemic Unemployment Assistance , Pandemic Emergency Unemployment Compensation and a reinstatement, but halving of the Federal Pandemic Unemployment Compensation Program which provides a $300 supplemental weekly unemployment payment.
These programs have been funded and extended for 11 weeks , covering the weeks of December 27th, 2020 to March 14th, 2021. To receive FPUC benefits, you must be receiving UI, PEUC, EB, or PUA. FPUC benefits cannot be backdated, and can only be provided starting the week ending January 3, 2021.
How You’ll Get Your Money
We offer two convenient ways for you to get your benefits: and . When you file a new claim, you choose how you want to receive your benefits. If you don’t sign up for direct deposit, you will get your benefits by prepaid debit card.
- Direct deposit
- Prepaid debit card
About direct deposit
We offer the option of having your benefits deposited directly into your checking or savings account. Most banks allow direct deposits, but check with yours to be sure. Some banks and credit unions will not accept direct deposit, or they require that a special account number be used for direct deposit.
The programs that offer the direct deposit option are:
- Unemployment Insurance
- Trade Adjustment Allowances
- Disaster Unemployment Assistance
How to set up direct deposit
If you apply online for Unemployment Insurance benefits, you can enter your direct deposit information when completing the application. We will need the nine-digit bank routing number and your personal checking or savings account number .
You can also start or change direct deposit at a later date. To do so, sign in to your account and selecting the Update Direct Deposit option from the dashboard. If you requested direct deposit when you filed your new claim online, you do not need to sign up again unless you need to change your bank account information.
How soon will I get my money?
When does direct deposit stop?
How to change your direct deposit account
If we have problems making deposits to your account
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You Forgot To Submit Your Weekly Claim
What is time? became a familiar saying as the pandemic dragged on. Without their usual activities and events, days and weeks blurred together. Even with life getting closer to pre-pandemic normal, its still easy to get busy and lose track of things on your to-do list. It might be worth double-checking to make sure youve actually filed a claim for every week that youve been out of work.
Get Your Money Faster With Current
When you sign up for NY unemployment benefits, you’re given a choice. Accept your money via a prepaid card the team sends you, or sign up for direct deposit and allow them to put money into an account you designate. Sign up with your Current premium account and routing numbers, and you’ll get your money up to two days faster with direct deposit.
New York uses an electronic system to transfer money from their account to yours. Most banks accept the money, and they then hang onto it for a few days to process it. We don’t. As soon as your money arrives, it’s yours.
Find out more about how Current can help you get the money you deserve and spend it wisely. Banking services provided by Choice Financial Group, Member FDIC. The Current Visa Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.References
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