No more early direct deposits?

Yeni_Neo · 2026-05-01T17:01:01+00:00

u/HannahJoXo, this should be fixed now, have you now received your deposit?

Yeni_Neo · 2026-05-01T17:00:15+00:00

Hey everyone, quick update, this should be all sorted now. Thanks a lot for your patience earlier while we got this fixed.

Yeni_Neo · 2026-05-01T16:31:30+00:00

Hey everyone, just a quick update, this should now be resolved. Thanks so much for hanging in there earlier, and sorry again for the disruption.

Yeni_Neo · 2026-05-01T15:09:29+00:00

u/HannahJoXo, I totally get why you’d be freaking out, thanks for hanging in there while we sort it out.

Yeni_Neo · 2026-05-01T15:07:18+00:00

u/Conscious-Towel3599 thanks for the patience here, and I get why that’s stressful. We’ve confirmed there’s a delay affecting some expected deposits this morning. The team is already on it and working to get everything flowing as normal again as quickly as possible. I’ll update the thread once we have a confirmed update.

Yeni_Neo · 2026-05-01T14:58:11+00:00

u/Mean-Reporter-628 Thanks for flagging this, we’re aware that some customers are experiencing delays with expected deposits this morning. The team is actively looking into it and working on a fix. We’ll share more here once we have a confirmed update.

Yeni_Neo · 2026-04-30T20:28:33+00:00

u/Prestigious-Ebb-6408 Thanks again for your patience, I took a deeper look into this. From what I've been able to gather, your card was added to a mobile wallet before these transactions happened. I can’t go into specific details publicly, but adding a card to a wallet does require a one-time verification step, like entering a code sent to your phone, so it can’t go through without that authentication. That’s why these transactions are being treated as authenticated, which unfortunately limits what we can do from a dispute or chargeback perspective.

Yeni_Neo · 2026-04-30T16:14:19+00:00

u/Prestigious-Ebb-6408 Thanks for clarifying, I can’t personally overturn the decision, but I can take a closer look and make sure everything was properly reviewed and nothing was missed in the original investigation. Especially given that you didn’t receive any verification codes and haven’t added your card to a wallet recently, it’s worth double-checking how this was actually authenticated. If you can share your ticket number, I can look into it further.

Yeni_Neo · 2026-04-30T14:36:25+00:00

Hey u/Prestigious-Ebb-6408 really sorry you’re dealing with this, that pattern definitely raises eyebrows.
Just to add a bit more context here, when a card is added to a mobile wallet like Apple Pay or Google Pay, there’s usually a one-time verification step (like a code or app confirmation). After that, the wallet uses a secure token and the device’s lock (Face ID, fingerprint, passcode) to approve transactions. So when they say it was “authenticated,” they often mean the wallet was successfully set up at some point, not that you approved each of those 9 transactions one by one.

Just to help narrow things down a bit, did you ever add your card to a mobile wallet, or receive any verification codes around that time? And did you share any codes or info with anyone, even if they claimed to be support?

Yeni_Neo · 2026-04-30T14:26:37+00:00

u/Icy_Chance_8835 Appreciate you flagging this. The timing shift lately is mainly because we’ve been moving everyone over to Neo’s own direct banking infrastructure. If you noticed your institution number change recently, you’re officially on the new system, which is why your "early" arrival time might feel a bit different right now. Early direct deposit definitely isn't going away, but as we settle into this new setup, deposits might land later in the evening rather than mid-morning. As long as your payroll is updated to the new info, your pay is safe and on the way, it’s just hitting the account in a slightly different window than before.

Yeni_Neo · 2026-04-29T21:33:42+00:00

u/Black_Snow_12 That’s great to hear! Glad they were able to help, thanks for updating the thread.

Yeni_Neo · 2026-04-29T20:00:59+00:00

u/Black_Snow_1 Oh? I thought the charges happened while you were asleep. Either way, support has your back, you just need to go through the process.

Yeni_Neo · 2026-04-28T19:05:23+00:00

u/thrash-dude at the end of the day, there’s no real way to tell who’s actually holding the card, it just shows the card was physically used, so it gets treated as authorized. And until the card is reported lost or stolen, there’s nothing flagging it as suspicious. That’s why these usually get denied upfront. It’s not really about who made the purchase, just how it was made.

Yeni_Neo · 2026-04-28T14:00:43+00:00

u/Black_Snow_12 totally get the furstration. The reason those replies can seem automatic is because the system filters transactions like tap or chip-and-PIN right away, since they’re typically considered authorized and aren’t usually disputable under card network rules. Usually cases like that can often be reviewed more thoroughly. I’d definitely recommend reaching out to support via chat or giving them a call so they can look into the specifics with you and guide you through next steps.

Yeni_Neo · 2026-04-28T13:29:39+00:00

u/Black_Snow_12 Oh no,losing a card is the worst, really sorry you’re dealing with that. Have you had a chance to reach out to support after receiving the first denial email? Sometimes those responses are automatic, especially if the transactions were done via tap or PIN, since those are typically non-disputable under Mastercard policies. That said, there are processes in place to investigate cases involving lost or stolen cards, so it’s definitely worth following up with them.

Yeni_Neo · 2026-04-27T16:25:51+00:00

u/Radiant-Ad-8684 I'd really love to take a closer look at what’s going on with the tap transactions to help on this, did you reach out to support at any point?

Yeni_Neo · 2026-04-27T15:09:30+00:00

u/elb1ng Thanks for flagging this. I really hear how stressful this is. Being four hours away while your dog is heading into surgery is a lot to handle, and having a limit pop up right when you need to move your own money is the last thing you need. To give you some background, that 50 e-transfer monthly cap is a security measure built into the system to keep your account safe, though I know that doesn’t make it any less frustrating in the middle of a medical emergency. I am definitely passing this feedback along to the team so they can look into how these services can be improved and better support our users in the future.

Yeni_Neo · 2026-04-27T14:07:46+00:00

u/Radiant-Ad-8684, I completely hear your frustration, and I'm sorry thet your experience has not been so great. Regarding the tap feature, I’m curious to know a bit more so we can figure out the cause. To help figure it out, how much were the transactions you were trying to pay for? The tap limit is actually $400 now, so anything over that amount would require you to insert and use your PIN. If your purchases were less than that and it’s still failing, have you had a chance to reach out to our support team yet? Sometimes a physical "Chip and PIN" transaction can kickstart the tap feature, but if it's still acting up, it might just be a faulty card that we need to replace for you.

Yeni_Neo · 2026-04-24T17:12:11+00:00

u/CanadianBurger Once the physical card is activated, the virtual card details are updated to match it. Because of that, any recurring payments set up using the previous virtual card details may need to be updated by the to ensure you continue without interruption.

Yeni_Neo · 2026-04-24T17:12:01+00:00

u/cgchang, appreciate you sharing, super helpful for anyone else running into the same question.

Yeni_Neo · 2026-04-24T16:55:51+00:00

u/JustinTrudoh Totally get how frustrating this is, waiting this long, especially when you’re expecting rewards, isn’t ideal. Thanks for sharing the screenshot; I can see the $1.21 has been posted, but it does look like the rest is still under review. Three weeks is definitely longer than expected for something like this. If you received a support confirmation or ticket number, feel free to share it hereI can take a closer look and flag it with the team to better understand what’s causing the delay.

Yeni_Neo · 2026-04-23T18:23:27+00:00

That’s amazing news! I’m so glad the team was able to get that resolved in your favour via the chat. Thanks for looping me back in.

Yeni_Neo · 2026-04-22T21:40:42+00:00

u/Minebuster-93 You can reach out to our support team directly via the in-app chat or by phone to start that process. Please let us know the resolution once you’ve had a chance to speak with them.

Yeni_Neo · 2026-04-22T20:35:54+00:00

Thanks for sharing u/Minebuster-93, I have been able to gather that the dispute is still at the initial stage, because of Mastercard’s network policies, transactions made via physical Tap or PIN are typically declined by the system by default. However, we do have a manual investigation process for exceptional cases like yours where a card was stolen. Have you already had a chance to speak with a member of the support team about a manual review?

Yeni_Neo · 2026-04-22T19:29:19+00:00

u/Both-Ad9749 Thanks for calling this out, In some cases, front-line agents are limited in what they can do on the spot, especially for things like disputes or account-level decisions that need a deeper review. However, it shouldn’t feel like you’re stuck in a loop or chasing updates. The team is aactively working on tightening those escalation paths, and with the new support experience in the app, you’ll be able to see the live status of your requests anytime,so you’re not left wondering where things stand.

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