I've been getting TWC payments through Chime for about a year now and can share what I've learned about the timing. Generally, once your payment shows "processed" on the TWC website, Chime receives and posts the deposit within 1-2 business days - sometimes even the same day if TWC processes it early in the morning. The key advantage with Chime is they don't hold ACH deposits like traditional banks do, so you get your money as soon as they receive it from the state. Since this is your first payment, there might be an extra day for verification, but you should definitely see it by tomorrow or the next day. One thing that helped reduce my anxiety was downloading the Chime app notifications so I get an alert the instant any deposit comes in. That way I'm not constantly checking my balance! Hang in there - the first payment is always the most nerve-wracking, but once you see the pattern it gets much easier.

Been using Chime with TWC for about 5 months now and wanted to add my experience. The timing is usually very predictable - 1-2 business days after "processed" status like everyone else mentioned. But here's something I haven't seen mentioned yet: if you have the Chime mobile app, you can enable push notifications specifically for deposits. Go to Settings > Notifications > Account Activity and turn on "Money In" notifications. This way you'll get an instant alert the moment your TWC payment hits, instead of obsessively checking your balance every few minutes like I used to do! Also, Chime usually processes incoming ACH transfers in the early morning hours (around 6-8am in my experience), so if you don't see it by mid-morning, it'll likely come the next business day. The wait is definitely stressful but Chime has been the most reliable bank I've used for unemployment deposits.

Great to hear you got it resolved! This thread has been super helpful - I'm dealing with a similar situation where TWC double-collected my overpayment. I'm definitely going to try that Claimyr service since I've been calling for days with no luck. It's ridiculous that we have to jump through all these hoops just to get back money they shouldn't have taken in the first place. The fact that their systems don't talk to each other is just mind-blowing for a government agency in 2025. Thanks everyone for sharing your experiences - at least now I know what to expect!

Wow, this thread is incredibly eye-opening! I had no idea this double-collection issue was so widespread with TWC. I'm currently dealing with unemployment benefits myself and this makes me want to check my payment history more carefully. It's absolutely ridiculous that their payment portal and benefit deduction systems don't communicate - how is that even possible in 2025? The fact that people have to wait months for refunds on money that was wrongfully taken is just infuriating. Thanks to everyone who shared their experiences and solutions - especially the tip about contacting state representatives when all else fails. This kind of community knowledge sharing is invaluable when dealing with broken government systems!

Yes! Wanted to update everyone. My payment request went through normally yesterday even though the ID verification is still showing as

That's great news that your payment went through! Thanks for updating everyone - it really helps to know the outcome. This is exactly what most people experience with these routine ID verifications. The system is designed to keep payments flowing while they do their security checks in the background. Hopefully your verification clears soon and you won't have to deal with this again!

Just wanted to add that if you do end up going back to W-2 employment, you might want to consider keeping some freelance work on the side if possible. That way you're building up those unemployment contributions again while maintaining some self-employment income streams. I know a lot of people who do a hybrid approach - like working part-time or contract-to-hire positions while keeping their best freelance clients. It's not always feasible depending on your field, but it can provide more stability than going all-in on either direction. Also gives you options if you ever want to transition back to full self-employment later when the market improves.

One thing to keep in mind is that even if you don't qualify for regular unemployment, you might still be eligible for other TWC services like job placement assistance and career counseling at no cost. I went through their WorkInTexas.com system when I was transitioning between careers and found it actually pretty useful - they helped me update my resume and connected me with employers in my area. Since you've been self-employed for so long, they might also have resources specifically for people transitioning from freelance/gig work back to traditional employment. It's worth exploring even if the unemployment benefits don't pan out.

This thread is so helpful! I'm in week 3 of unemployment and had the exact same panic last week when my payment didn't show up at midnight like usual. Ended up staying awake until 3 AM refreshing the page like crazy. Now I know it's just the new normal with their system changes. One thing I learned from my cousin who's been on unemployment longer - she sets up text alerts through her bank so she knows as soon as the deposit hits, rather than obsessing over the TWC status page. That way you can just focus on the actual money arriving instead of watching the processing status. Might be worth setting up if your bank offers it! Thanks everyone for sharing your experiences. It really helps to know we're all going through the same thing with these delays.

Wow, reading through all these responses has been so reassuring! I'm about 5 weeks into unemployment and experienced the exact same panic when my payment didn't process at midnight like it used to. I actually found this thread by googling "TWC payment not processing midnight" at like 2 AM last week when I was freaking out. It's really helpful to know this is a system-wide change that started in March 2025 and not something wrong with individual claims. The tip about bank text alerts is genius - I just set that up so I won't have to obsess over the status page anymore. For anyone else who finds this thread while panicking like I did: take a deep breath, you're not alone, and it's probably just the normal delay everyone else is experiencing. This community has been such a lifeline for navigating all the TWC quirks and changes. Thanks to everyone for sharing their experiences and tips!