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Has anyone else noticed that TWC seems to have more delays near the end of each month? I wonder if it's because that's when more people have their payment request dates set. Mine is always the 30th and I feel like every couple months there's some kind of delay.
You're absolutely right. TWC processes more payment requests at month-end, which can create processing backlogs. If possible, consider switching your payment request day to mid-month (like the 15th) which might result in more consistent deposit timing. You can change this by calling TWC or sometimes through your online account settings.
I didn't know you could change it! That's super helpful, thank you. I'll look into switching to mid-month.
I'm glad to see your payment came through! This is actually a pretty common issue with TWC payments, especially to Chime accounts. I've been getting unemployment for about 6 months now and I've noticed that Chime sometimes has delays with ACH transfers, particularly on busy processing days. The good news is that once TWC shows "processed" on their end, the money is definitely coming - it's just a matter of when the banks finish their back-and-forth. For future reference, I've found that payments tend to be more reliable earlier in the week (Tuesday-Thursday) compared to Fridays or Mondays when there's more banking traffic.
Thank you for sharing your experience! That's really helpful to know about the timing patterns. I'm definitely going to keep that in mind for future payments. It's such a relief when the money finally shows up, but those few hours of worry are brutal when you have bills due. I appreciate everyone in this community sharing their experiences - it really helps to know you're not alone when these delays happen.
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UPDATE: My account just got unlocked! It took exactly 3 business days from when I did the ID.me verification. I received an email saying my account access had been restored. Thanks everyone for your help and advice!
Great news! Glad to hear it worked out. This is the typical timeframe for most people. Make sure you complete your payment request right away if today is your designated filing day.
Nice! Always good to hear when something actually works like it's supposed to!
Congrats on getting your account unlocked! For anyone else dealing with this, I just want to add that if you're still having trouble after a week, you can also visit a local TWC office in person. I had to do this once when the phone lines were completely jammed and they were able to manually review my ID.me verification and unlock my account on the spot. It's not ideal having to go in person, but sometimes it's faster than waiting on hold for hours or dealing with system delays.
That's really good advice about visiting in person! I didn't even think about that option. Do you know if all TWC offices can handle account lockouts, or do you need to go to a specific type of office? I might keep that as a backup plan if I run into this issue again in the future.
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I've been on TWC unemployment for about 6 months now and can confirm what others are saying - Thursday requests almost always hit on Monday. The only time I've gotten Friday deposits is when I requested super early (like 6 AM) on a Tuesday or Wednesday. TWC's processing times are pretty consistent but not fast. Also make sure you screenshot your confirmation page after submitting your request - I've had a couple times where the system glitched and I needed proof that I submitted on time. Hope your first payment goes smoothly!
Thanks for sharing your experience with the timing! That's really helpful to know about requesting earlier in the week for faster deposits. I'll definitely screenshot my confirmation page tomorrow - that's a great tip about system glitches. It's reassuring to hear from someone who's been through this process for a while. Hopefully my first payment goes as smoothly as possible!
Just wanted to chime in as someone who's been dealing with TWC for about a year now. The timing really does depend on when you submit and what day of the week it is. I've noticed that if you request on Thursday, you're looking at Monday for sure. The system seems to batch process payments and weekends definitely don't count as business days. One thing I learned the hard way - make sure you have all your work search activities documented BEFORE you request. I once had to go back and add missing activities and it delayed my payment by almost a week. Also, if this is your first payment, it might take a bit longer than usual since they sometimes do additional verification on initial claims. The oil field layoffs have been rough lately - sorry you're going through this. At least the TWC benefits help bridge the gap while you're job hunting. Good luck with your request tomorrow!
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Remember too tht if u do the contract they'll stop your benefits for any week u report income over your weekly benefit amount plus $25. So if ur UI is like $500/week and u earn $526 in contract work that week u get ZERO benefits!! But at least ur claim stays open for when contract ends.
That makes sense. So I'd only get partial UI in weeks where I earn less than my benefit amount+$25, and nothing in weeks I earn more. But the good part is not having to refile later.
I'm in a similar boat right now - got laid off two weeks ago and my employer offered me freelance work to wrap up some projects. After reading through all these responses, I think the consensus is pretty clear: file for unemployment IMMEDIATELY after your last W-2 day, then take the contract if you want it. What really helped me understand this was realizing that TWC calculates your benefit amount based on your earnings history in specific quarters, not your most recent work. So if you file now, your benefits are calculated on your full-time salary quarters. If you wait and file later, you might end up with contract work affecting those calculations. The weekly reporting thing makes total sense too - you're basically trading some weeks of benefits for contract income, but keeping your claim alive so you don't have to start over. Way better than risking a lower benefit calculation later. Thanks everyone for sharing your experiences - this thread is going to save me from making a costly mistake!
Keisha Jackson
Glad to hear your payment came through! That's exactly the timeline most people experience. For anyone else still waiting, just remember that 3-5 business days is pretty standard for TWC, especially for first payments. The system works, it's just not always as fast as we'd like when we're stressed about bills. Thanks for updating us with the good news!
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Giovanni Mancini
•That's awesome news @Andre Moreau! So glad it worked out and you got your payment. I'm new here but dealing with a similar situation - my claim was processed on 2/20 and I'm still waiting. Reading through this thread has been really helpful though. Seems like 3-5 business days is the norm, so I'll try to be patient a bit longer. Thanks everyone for sharing your experiences, it really helps to know what to expect when you're going through this for the first time!
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Tyler Lefleur
Welcome to the community @Giovanni Mancini! You're absolutely right that this thread is super helpful for understanding the timeline. Since your claim was processed on 2/20 (which was a Monday), you should expect to see your payment by Thursday or Friday at the latest, assuming no issues. The fact that you're reading through experiences like this shows you're being proactive, which is smart. Just keep an eye on your TWC account for any correspondence messages, and if it goes beyond 5 business days, that's when you'd want to call. Fingers crossed it shows up soon!
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