How you'll get your money
We offer two convenient ways for you to get your benefits: direct deposit and prepaid debit card. 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.
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 (and extensions)
- Trade Adjustment Allowances (benefits paid under Trade Adjustment Act or TRA)
- Disaster Unemployment Assistance (DUA)
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 (see below).
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.
We normally transfer funds to your bank account within two full business days after you certify for benefits. Payments will not be transmitted on bank holidays or weekends. It is your responsibility to verify that your benefits have cleared your bank account before writing checks or making debits against that account.
Your direct deposit will stay in effect as long as your claim is active. It will only stop if you change your payment method, or your claim becomes inactive. Claims become inactive when you don't certify for benefits for 28 days or more. If you reactivate your claim, you have to re-enter your direct deposit information. Otherwise we will automatically switch your payment method to the prepaid debit card.
Log in to your account and choose "Update Direct Deposit" from the "Manage My Claim" section of the dashboard. We cannot update this information over the phone.
If you want to switch from direct deposit to a debit card, fill out the "Authorization for Benefit Payment by Direct Deposit or Debit Card" form and send it back to us by mail or fax:
Unemployment Insurance, Checkmaster Unit
New Jersey Department of Labor and Workforce Development
PO Box 908
Trenton, New Jersey 08625-0908
Payments will continue to your existing account until the change is made. Account changes may take up to four weeks to process.
Sometimes we can't make a direct deposit due to incorrect bank information. If your benefits are returned to us, we will temporarily stop your direct deposit and you will get a prepaid Bank of America debit card in the mail. Your benefits will be paid to that card account until you submit another authorization for direct deposit with updated information.
If you do not choose direct deposit, Bank of America will mail you a prepaid debit card. The card will come in a plain, unmarked envelope seven to 10 days after you file your initial claim. Watch your mail for it. The card comes with detailed instructions. Your benefits will usually be available in your debit card account within two business days after you certify each week. For more information, see our Bank of America debit card support page.
This card is good for four years. Keep it even after you return to work or your claim year ends. If you need to reopen a claim or file a new claim within four years, we will pay benefits to the same debit card account.
If you lose your card and need a replacement, call Bank of America at 866-213-4074.
If you got a debit card but now want to get your benefits via direct deposit, you can update your preference from your dashboard. it may take a day or two to process an online request. If you the current week's benefits to be paid by direct deposit instead, sign up for direct deposit, then wait until the next day to certify for benefits. If you sign up for direct deposit after you certify by phone, the current week’s benefits will be paid onto your debit card.