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Just wanted to chime in since I've been dealing with TWC payments for about 6 months now. Filing at 7am was definitely smart - you beat the morning rush and got into their system early. From what I've seen, the 2-3 business day timeline is pretty accurate when your status shows "processed" like yours does. One thing that might help ease your mind about the bills - you can set up balance alerts through the ReliaCard app so you'll get notified the moment your deposit hits, usually between 6-9am. That way you're not constantly checking and stressing. Since today is Tuesday and you filed early morning, I'd expect to see it by Thursday morning at the latest, possibly Wednesday if the stars align. The system has been pretty consistent lately despite what some folks are saying about delays.
That's really smart about setting up the balance alerts! I had no idea that was an option. I'm definitely going to do that right now so I can stop obsessively checking my account every few hours. It's such a relief to hear from so many people that the 2-3 day timeline is reliable when the status shows "processed." I was getting worried after reading about some of the longer delays, but it sounds like those might be outliers. Thanks for the practical tip about the notifications - that's going to save me a lot of anxiety over the next couple days!
I've been filing TWC payments for about 8 months and your 7am filing time is perfect! That puts you right at the front of their daily processing queue. Since your status shows "processed," you should definitely see the deposit by Wednesday or Thursday morning. One tip - download the ReliaCard mobile app if you haven't already. The deposit usually shows up there first, sometimes even before 6am, and you can set up push notifications so you'll know the moment it hits. This takes away all the guesswork and constant checking. Given that it's Tuesday and you filed early morning with a clean processed status, I'd bet on Wednesday or Thursday morning at the latest. The system has been pretty reliable lately for most people despite some of the horror stories you might read.
This is exactly what I needed to hear! I just downloaded the ReliaCard app and set up the push notifications like you suggested. It's so reassuring to know that filing at 7am puts me at the front of the queue - I was worried I should have filed even earlier. Since my status shows "processed" and everyone seems to agree Wednesday/Thursday is realistic, I'm feeling much more confident about making my bill payments on time. Thanks for the tip about deposits sometimes showing up before 6am in the app - that's going to be really helpful for planning!
To directly answer your question: Yes, TWC can potentially backdate your claim, but it's not automatic and not guaranteed. Here's what you need to know: 1. Call TWC as soon as possible and specifically request backdating. Explain why you delayed filing (they'll need a good reason) 2. If approved for backdating, you'll need to certify for those missed weeks by requesting payment for each week individually 3. You must have been eligible during those weeks, including meeting the work search requirement (3 work search activities per week) 4. Document whatever job search activities you can remember doing during those weeks (applications, interviews, resume submissions, networking) 5. Be prepared that they might only approve partial backdating or none at all depending on your circumstances The most important thing now is to start requesting payments on your current claim according to your payment request schedule and continue meeting work search requirements going forward.
Just want to add that when you do call TWC about backdating, be prepared to wait on hold for a really long time - sometimes hours. I'd recommend calling right when they open (usually 8am) for the best chance of getting through. Also, have your termination paperwork ready and any documentation of job search activities you did during those 3 weeks, even if it's just a rough list of companies you applied to. The agent will likely ask for specific details about why you waited to file, so think through your explanation beforehand. Being overwhelmed and focusing on job searching isn't always considered "good cause" by TWC standards, but it's worth trying. Good luck!
Great advice about calling early! I'm new to this whole unemployment process and wasn't sure about the timing. Do you know if there's a specific phone number that works better than others for getting through to TWC? I've seen different numbers mentioned and want to make sure I'm calling the right one when I try tomorrow morning.
Glad to hear it worked out @Drake! For anyone else reading this thread, here's a quick summary of what we learned: TWC typically takes 24-48 hours to process and show "posted" status, then the ReliaCard takes an additional 1-2 business days for funds to actually appear. So total time from payment request to available funds is usually 2-4 business days. The ReliaCard customer service can often see pending deposits before they show in your balance, so that's worth calling if you're worried. And definitely consider switching to direct deposit for faster access - just triple-check your banking info first!
This is such a helpful summary! I'm new to the TWC system and was wondering about these exact timing issues. It's reassuring to know that 2-4 business days is normal and that there are options like calling ReliaCard directly if you need to check on pending deposits. Thanks for breaking it all down so clearly - this thread will definitely save me some anxiety when I file my first payment request!
Just wanted to add that if you're still having anxiety about future payments, you can also set up text alerts through the ReliaCard website. They'll send you a notification as soon as funds are deposited, which helped me stop obsessively checking my balance every hour! Also, keep in mind that if your payment request falls on a Friday, the whole timeline shifts because of weekends - so a Friday filing might not show up until the following Tuesday or Wednesday.
Just to follow up - once you do receive your Reliance card, be sure to activate it immediately by calling the number on the sticker. Also, create an online account at usbankreliacard.com to monitor your balance and transactions. You can set up alerts for deposits and withdrawals, which is really helpful. Many people don't realize you can also use this card at most ATMs, though some charge fees. U.S. Bank ATMs are free, and you get one free withdrawal per deposit period at other ATMs (after that, there's a $2 fee). Has your card arrived yet? It's been a few days since your original post.
Glad to hear your card finally arrived! For future reference, if anyone else is dealing with this issue, you can also contact TWC directly at 800-939-6631 to verify that your payment method change was processed correctly. Sometimes there can be delays on their end that aren't immediately visible in your online account. Also, if you ever need to switch back to direct deposit later, make sure to do it right after you certify for benefits - not in the middle of a payment cycle. This helps avoid processing delays and ensures smoother transitions between payment methods. The whole system could definitely be more user-friendly, but at least once you get the card set up, future payments should be much faster!
This is really helpful advice! I wish I had known about calling that number when I was waiting for my card. The timing tip about switching payment methods is especially good to know - I definitely made my change at a random time without thinking about the payment cycle. Hopefully this thread will help other people avoid the stress I went through waiting for that card to show up!
Omar Farouk
Anyone else think its weird that we can order a pizza with our fingerprint but cant reset a government PIN online? 🤔
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Chloe Davis
•LOL truth. Welcome to bureaucracy, where everything's made up and the points don't matter 🤡
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Daniel Rogers
Same thing happened to me a few months ago! The online PIN reset was completely broken. I ended up having to visit a local workforce center in person - took about 30 minutes and they reset it right there. Way faster than trying to get through on the phone. Check the TWC website for locations near you. Bring your ID and SSN just in case!
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JaylinCharles
•Oh wow, I didn't even think about going in person! That's actually a brilliant idea. Much better than sitting on hold for hours. Do you remember if you needed an appointment or could you just walk in?
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