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If you apply for Unemployment Insurance (UI), you will be asked whether you want to receive your benefits by direct deposit or debit card. 

If you apply over the phone, you will automatically receive your benefits via debit card unless you had a previous claim and you received them by direct deposit.

Direct Deposit

Direct Deposit is an electronic transfer of your weekly Unemployment Insurance benefit payments into your bank checking account. It offers increased convenience and allows you to access your funds via your own bank account. You can have your benefits electronically deposited into your checking account as long as your financial institution participates in the direct deposit program.

You will have the option to begin or cancel direct deposit or update your bank information after you login to your claimant homepage from the New Mexico Unemployment Insurance Tax & Claims System. The system can be accessed 24 hours a day, seven days a week. To sign up for direct deposit you will need your bank account number and the bank routing number.

If you choose to cancel direct deposit, you will receive your funds via debit card. 

Debit Card

If you do not choose to have your benefits direct deposited, you will receive your Unemployment Insurance benefits payments on a debit card. The card is mailed to you and comes with information on how to use it. A debit card provides an easy, convenient and secure way to receive your Unemployment Insurance benefit payments.

The in-network ATM service provider is Allpoint. There are unlimited in network ATM withdrawals for no fee. Out-of-network will have a $1.20 fee associated. A listing of Allpoint ATMs is available at https://www.allpointnetwork.com.

Claimants will be able to register their new card online at https://www.GoProgram.com or by downloading the Way2Go mobile app starting April 30, 2022. Customer service for the Way2Go Card is available at 1-844-309-5657.

Notice of transition from Wells Fargo EPPICard to Comerica Way2Go Card

The department has transitioned from the Wells Fargo EPPICard to Comerica Way2Go Card. The Way2Go Card features a chip that will provide additional security when making transactions at stores or ATMs.

Active claimants who previously had a Wells Fargo EPPICard and a balance were automatically transferred to a new Way2Go Card on June 22, 2022. 

If you no longer have an active claim and did not spend, request a withdraw, or transfer any remaining balance from your EPPICard prior to June 15, 2022, the balance was moved to State Unclaimed Property. 

Frequently Asked UI Benefit Payment Questions

Please share the Reporting Identity Theft for Individuals information with employees at your organization. This information includes important links and resources and other measures individuals can take to protect themselves. 

No. Per banking regulations, once the money is deposited to the debit card, we cannot remove it for any reason other than fraud. You will need to use the card to access any funds deposited there. To change your UI benefit payment method from debit card to direct deposit, you may do so by logging into your UI Claimant homepage at www.jobs.state.nm.us and selecting “View and Maintain Account Information” from the menu, and then “Payment Method Options and Tax Information”.  

If you have elected to receive a debit card for your Unemployment Insurance benefits, please be advised that the current processing and arrival time for new debit cards is 7-14 calendar days.

If you have questions regarding ordering a new card, checking the status of a replacement card, debit card account balance questions, or need to Pin/Activate the card please contact the Way2Go Card Customer Service Center at 1-844-309-5657. Support is open 24 hours a day, 7 days a week. You may also log in to the Way2Go card website at https://www.GoProgram.com to manage your debit card account. If you need assistance setting up your account on https://www.GoProgram.com, have been locked out of your account, or need help with the website password, please contact the Way2Go Card Customer Service Center at 1-844-309-5657 for assistance.

To order a new card or check the status of your card, you may do so without waiting on hold to speak to someone when you call the Way2Go Card Customer Service Center. You will be asked to verify your identity before a card will be sent and can do this by entering in the card number. If you do not know the card number, you can use your Social Security Number or your date of birth to authenticate.

There is no fee for replacement debit cards, however there is a $12.50 fee if you request for your new card to be expedited 3-5 days arrival. Please note that we cannot expedite cards to any PO box addresses. These can be sent via USPS Priority Mail, however, there is no guaranteed delivery date.

You can change your payment method at any time by accessing your Unemployment Insurance Tax & Claims System account online at www.jobs.state.nm.us. Once you log in, click the umbrella icon for Unemployment Insurance Benefits, then select “View and Maintain Account Information” and then “Payment Method Options and Tax Information.” Then select the payment option you would prefer. We recommend that if you are changing your payment method, do so 24 hours prior to completing your weekly certification to allow our system time to update before sending out the payment. Please note that Department staff do not have access to assist with entering any direct deposit account information. Department staff can only update your payment method to the debit card.

Per our agency security rules and requirements, we do not accept any type of pre-paid brand accounts, including pre-paid bank accounts or pre-paid debit cards, to be used as a direct deposit account for claims. If you would like to use direct deposit as your payment method, you must have an account using a valid, known FDIC/NCUA approved routing number. If you do not have a valid, known routing number, you will be sent a debit card as your payment method.

If your account number is entered incorrectly, is not known, or is not on the FDIC/NCUA approved routing number list, it will go to the routing number workflow and this payment method will be researched by a member of the NMDWS fraud team. You will be mailed paper checks while the investigation takes place. If it is determined to be valid bank it will be added to the approved list and you may begin to use this as the direct deposit account. If it is an unknown or new pre-paid product, it will be added to the blocked list and you will be placed on the debit card if there is no other valid direct deposit account to be used.

You can check the status of your payment online by clicking on the “Payment History” link from your Unemployment Insurance claim homepage.

  • If it shows “Submitted,” you have certified for that week and it is waiting to move to “Paid” status.
  • If it shows “Paid,” it has been sent to the bank.

There are several reasons you may not see your benefit payment in your account, such as:

  • The payment was rejected or was returned by your bank.
  • There are outstanding issues on your claim that might be holding payment and are waiting to be resolved by our adjudication team.
  • It can take up to 3 business days for a payment to reach your account after payment is submitted.
  • If you changed your account the day you certified, the payment may have posted to your previous direct deposit account.

If the Department receives a rejection or return on a direct deposit account for any reason, it will result in a paper check being issued to you by mail. There are many reasons why this could happen, including, but not limited to, the following: Wrong account number or routing number provided; Closed account; Bank closed account due to overdraft fees; Bank rejected payment; Name on payment did not match the name associated with the bank account. Once the Department receives the reject payment file back from the bank, usually in 3-5 days, the system will automatically send out a paper check. You may receive a call from the Department requesting you to correct your direct deposit information online. Please note that we cannot take this information over the phone. You may also receive notification of the rejected payment directly from your bank. If you do not have a valid bank account you will be placed on the debit card payment method.

Additional Information

Way2Go Card
Customer Service

Support is open 24 hours a day, 7 days a week at 1-844-309-5657.

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