Payment is made after a claim is processes and it is determined the claimant qualifies for benefits and maintains their eligibility. Claimants must request payment every week in order to be paid benefits, even while they are waiting for a claim to be processed and during any appeals process.
The first qualifying week of a claim will not be paid as it is the mandatory waiting week.
There are two methods of receiving unemployment benefit payments: Direct Deposit or the U.S. Bank ReliaCard. If a claim is filed electronically, claimants can select one of these two methods. If a claim is filed by phone the default method is a prepaid debit card. Claimants may change their payment method in MyUI+ clicking the "View and Maintain Account Information" tab and updating their "Payment Method Options and Tax Information".
U.S. Bank ReliaCard - This debit card allows you to pay for things directly from the card rather than from a bank account. If you file your claim by phone, you are automatically signed up for a U.S. Bank ReliaCard. If your bank does not pass our bank account verification process, you will need to choose the U.S. Bank ReliaCard payment option.
- ATM Withdrawals and balance inquiries are free at any in-network ATM; to find a location, please visit the U.S. Bank website or the MoneyPass website.
- The U.S. Bank ReliaCard does not have monthly or per-purchase fees and
has free teller transactions. - This card does not have a line of credit or support overdrafts.
Direct Deposit - This option allows you to have your payments deposited directly into your checking or savings account. If you select the direct deposit option, you will be required to verify your bank account with our national fraud prevention service. To verify your bank account, you will need the routing number and account number.
Important details about the verification process:
- Not all banks participate in our verification service - if your bank account does not pass the verification service, you will need to choose the U.S. Bank ReliaCard option instead.
- You may be able to use direct deposit with accounts that are offered by most traditional banks with physical locations.
- Please note, that if you open a new bank account, it may not be immediately verifiable.
- Requesting Payment
Request your payments every week online through MyUI+ or by telephone 303-813-2800 or 1-888-550-2800 (outside Denver-metro area).
- Receiving Payment
There are two methods of receiving your unemployment benefit payments: Direct Deposit or a Prepaid Debit Card. If you file your claim electronically, you can select one of these two methods when you file. If you filed your claim by phone, your default method is a prepaid debit card. To change your payment method, log into MyUI+ and go to "View and Maintain Account Information" and then "Payment Method Options and Tax Information."
Direct Deposit
You can avoid debit card fees by having your benefit payments deposited directly to your checking or savings account. Direct Deposit payments require bank account verification.
Prepaid Debit Card
You may be subject to debit card fees. Our vendor, U.S. Bank, provides all the information you will need to know about the debit card in the pre-acquisition disclosure notice.- Direct Deposit Bank Account Verification
We use a service that is managed by a partner organization to validate bank account information. Not all banks participate in the validation service we use, and we are not provided reasons when banks can not be verified. If a bank account cannot be verified, such as those managed online or through smartphone apps or those that do not participate in the validation service, may not be usable for Unemployment Insurance services from CDLE.
We do not have a list of banks that can be successfully validated. However, you should be able to use direct deposit with accounts that are offered by most traditional banks with physical locations as they are more likely to participate in our validation service.
- Prepaid Debit Card
If you are unable to validate your bank account for Direct Deposit payments, you may select to receive unemployment insurance benefits using a prepaid debit card. You may have to pay fees when using your U.S. Bank ReliaCard®. Fees are deducted from your benefit payments. You can find more information about the fees and services offered the US Bank ReliaCard website.