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Direct Deposit


Direct Deposit

What is direct deposit?
What information do I need to enroll?
How long does it take for services to begin?
When can I expect my payment to be deposited into my account?
What if a deposit of benefits is not posted to my account?
What kind of record or notice will I receive that my benefit's been deposited?
Can I participate in direct deposit if I have a joint account?
Does my bank have to be located in Idaho?
Can I deposit only a portion of my benefit payments to an account?
Can I still have federal taxes withheld when using direct deposit?
I'm not good with a computer.  Can Idaho Department of Labor staff help me enter my  account and routing information?
How do I stop direct deposit?

 

What is direct deposit?
Direct deposit is the electronic transfer of your unemployment insurance benefit payment to your bank, credit union or other financial institution. When you enroll in direct deposit, you are authorizing the Idaho Department of Labor to credit your bank account each time you file for and are entitled to receive unemployment insurance benefits.

 

 

What information do I need to enroll? 

  • A valid e-mail address 
  • Your financial institution's nine digit routing number
  • Your account number of up to 17 digits.
  • Your account number and routing number are on your checks OR you can contact your financial institution to verify the account information.

How long does it take for services to begin?
Before deposit of your weekly benefit payments can begin, the department must verify your information, which generally takes up to two days. If there is a problem with the information, you will be notified immediately.  In the meantime, if you are due a benefit payment you will be issued a debit card (being phased in statewide during June 2010).

REMINDER: The first week of a new claim is a waiting week.  You must meet all eligibility requirements and report for the waiting week to receive waiting week credit, but you will not receive payment for this week.

 

 

When can I expect my payment to be deposited into my account?
Payment will generally be available three business days after you submit your weekly claim. Once you file your weekly claim for benefits and all eligibility requirements are met, the automated system will transfer payment to your financial institution. Payments will not be transmitted on state, federal, banking holidays or weekends.

 

 

What if a deposit of benefits is not posted to my account?
Access our Web site, http://labor.idaho.gov/iw  and click on the "Payment Summary" link to confirm a valid claim was processed and no issues exist.
If payment was issued by the department but does not appear in your account, you will need to contact your financial institution to find out when the payment will be posted to your account. If your financial institution has no record of the transfer within 72 hours of the time your weekly claim was filed and you have NOT received any notification from the department that an issue is prohibiting payment of your benefits, contact your nearest Idaho Department of Labor office.

 

 

What kind of record or notice will I receive that my benefit’s been deposited?
Your financial institution will provide a record of deposits made to your account on your monthly statements. The online "Payment Summary" link at www.labor.idaho.gov/iw will tell you when payment for a particular week was issued.

 

 

Can I participate in direct deposit if I have a joint account?
Yes, however, the department IS NOT able to release unemployment insurance payment information to other holders on the account. The department WILL NOT involve itself in disputes regarding use of funds deposited to a joint account, nor will it allow any deposit of benefit payments to a third-party account, which is an account on which the claimant is not a legal holder/signer.

 

 

Does my bank have to be located in Idaho?
No. The department can deposit to most financial institutions. Before enrolling, you should confirm that your financial institution accepts direct deposits.

 

 

Can I deposit only a portion of my benefit payments to an account?
No. If you elect to enroll in direct deposit, the full amount of the payment will be made to a single account of your choice. If child support payments are being collected, they will be withdrawn first and the remaining benefit amount will be deposited in your account.

 

 

Can I still have federal taxes withheld when using direct deposit?
Yes. If you request to have federal taxes deducted from your weekly benefits when you file your initial claim, this will continue for the duration of your benefit year unless you change your withholding.

 

 

I'm not good with a computer.  Can Idaho Department of Labor staff help me enter my account and routing information?
No. To protect you and the department, staff will not be allowed to assist claimants when they are entering their direct deposit information.

 

 

 How do I stop direct deposit?
Go to the direct deposit Web site at https://labor.idaho.gov/iw and click on the direct deposit button.  Enter your username and password as indicated and click on Login.  When you arrive at the direct deposit options screen, select "Stop Direct Deposit.” You will receive an e-mail advising you that direct deposit has been stopped.
 

 

 

 

       


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