Direct Deposit of UI Benefits
The New Jersey Division of Unemployment Insurance (UI) offers unemployed workers the choice of having UI benefits deposited directly into their checking or savings account. You can have your UI benefits electronically deposited into your account as long as your financial institution participates in the direct deposit program.
It is your responsibility to verify that your financial institution will accept direct deposit to your account. Some banks and credit unions will not accept direct deposit or they require that a special account number be used for direct deposit.
How to Apply
If you are filing a new claim online you can enter your direct deposit information directly on the unemployment insurance application. To apply online you will need to provide the nine-digit bank routing/transit number and the checking/savings account number.
If you wish to start or change direct deposit at a later time, you may do so by visiting our website at www.njuifile.net and selecting Add/Change Your Direct Deposit option.
If you requested direct deposit when you filed your new claim online, it is not necessary to enroll again unless there is a change to your Direct Deposit account information.
Please be assured that your account information will be kept strictly confidential.
When Does Direct Deposit Stop
Direct deposit remains in effect on the unemployment insurance claim for the duration of the time you claim benefits unless you notify the Division of Unemployment Insurance to stop direct deposit or there is a period of inactivity on your claim that is twenty-eight (28) days or longer. This means that if you do not certify for benefits for twenty-eight (28) days or more you must re-enter your direct deposit information prior to collecting benefits again. Failure to do so will result in the payment method on your claim automatically defaulting to a debit card. Whenever you file a new UI claim, you will be required to submit another enrollment form for a new claim, or you can enter your direct deposit information when you file over the Internet.
Changing Your Payment Method
If you would like to add direct deposit, or you currently have direct deposit and would like to change accounts, you may do so by visiting www.njuifile.net and selecting the Add/Change Your Direct Deposit option. You may not call to have your payment option changed as our call center agents are not authorized to update your payment information.
If you would like to switch from direct deposit and receive a debit card instead, you must fill out Form BC-502, "Authorization for Benefit Payment by Direct Deposit or Debit Card," and mail it to the New Jersey Department of Labor and Workforce Development. Instructions and mailing address are included on the form.
Changes may take up to four weeks. Until that time payment will continue to be made to your existing account.
The Direct Deposit Process
The funds to pay your benefits are normally transmitted to your financial institution within two (2) full bank business days after you use the Internet or call in to certify your eligibility for the week(s) of unemployment. Your payment may be available within 48 hours or two full bank business days, depending on your financial institution's schedule to deposit the transmitted funds to your account. Payment will not be transmitted on bank holidays or weekends.
It is your responsibility to verify receipt of unemployment benefits with your financial institution before writing checks against that account. Your bank statements will reflect these deposits to your account.
If there is a problem with your direct deposit account and benefits are returned because they cannot be deposited, we will temporarily stop direct deposit and pay your benefits by debit card. A prepaid debit card will be mailed to your address on file until you submit another authorization for direct deposit with updated information.
What Benefit Programs Allow Direct Deposit of Benefits
The following programs offer the choice to have benefits paid by direct deposit: Unemployment Insurance and extensions, Trade Adjustment Allowances (benefits paid under Trade Adjustment Act or TRA) and Disaster Unemployment Assistance (DUA).