Can I Direct Deposit an Unemployment Check Into Someone Else's Account?
People who receive unemployment as a result of a job layoff often find themselves in a difficult financial position. It's not uncommon for bank and credit accounts to be closed due to overdraft and nonpayment. Such a circumstance could lead a person to request that their unemployment check be deposited into another person's account.
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Legal Issues
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In order for the unemployment check to be direct deposited, the owner of the account must authorize this. Furthermore, each state provides a form to complete at the time of the request. The form specifically asks the unemployment benefits recipient to certify that they are authorizing the direct deposit. It is illegal to certify that one is the authorized user of the account if they are not.
State-Issued Debit Cards
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These days, most states give recipients the option of receiving their unemployment benefits by a state-issued debit card. Each payment period the funds will be automatically transferred to the card for spending. Check with the state employment agency for specifics.
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Pre-Paid Personal Debit Cards
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Many pre-paid personal debit cards allow users to have their payroll direct deposited onto their card. Check local retailers for a pre-paid debit card, and provide the card's banking information on the direct deposit form to receive the funds legally.
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