How long after TWC verifies bank info will I get my first unemployment payment?
I finally got approved for TX unemployment last week after waiting foreverrr! Now TWC is verifying my bank account for direct deposit. Does anyone know how many more days this typically takes before I actually see money? My rent is due in 10 days and I'm getting nervous. The automated system just says "payment pending - bank verification" when I call. Will they contact me if there's a problem with my account info? This is my first time on unemployment and I'm totally lost!
17 comments
Savannah Weiner
For most people, bank verification takes 2-3 business days after you've entered your info correctly. Once that's done, the payment itself typically processes within 1-2 business days. So you're looking at about 3-5 business days total from when they started the verification process. If there's an issue with your bank info, they'll email you or post a message in your TWC correspondence inbox. Be sure to keep checking both your personal email and your TWC account daily.
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Giovanni Martello
•Thank you so much! I entered my bank info last Friday, so hopefully that means I'll see something by this weekend. Do I need to keep requesting payment every 2 weeks even while they're still processing this first one?
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Levi Parker
bank verification SHOULD be quick but mine took 9 days back in january!!! twc is so backed up right now. if ur freaking out about rent maybe you can get the debit card option instead? when i switched to that it was faster
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Libby Hassan
•same here!! the bank verification took forever for me too. i thought i put in wrong info or something but nope just slow processing
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Hunter Hampton
I went through this last month. If you want to check your status or fix problems, good luck getting through on the phone. I used this service called Claimyr (claimyr.com) that got me connected to a TWC rep in about 20 minutes when I'd been trying for days on my own. They have a video showing how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh - totally worth it when you're stressing about rent coming due!
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Giovanni Martello
•Thank you!! I might try this if I don't see anything by Monday. Did you talk to an actual person who could tell you what was happening with your claim?
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Sofia Peña
If there's a problem with your bank info, they won't always tell you! My account number had a typo and I waited THREE WEEKS before I realized the issue. Check your TWC correspondence inbox daily for messages. And YES, you absolutely must continue requesting payments every two weeks on your assigned day regardless of whether previous payments have processed. Missing a payment request can mess up your whole claim.
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Aaron Boston
•This! I missed ONE payment request because I thought I had to wait for the first one to process and it messed up my whole claim. Had to call and get it fixed but lost a week of benefits. The system is so confusing.
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Sophia Carter
The TWC system is terrible about telling you when things are wrong. ALWAYS double-check your banking info and call them if you don't see a deposit within a week. I've been on unemployment twice in Texas, and both times there were delays for completely different reasons. If you're worried about rent, call the TWC Tele-Serv number (800-558-8321) and select the option to check payment status. Sometimes you'll get more detailed information from the automated system than from the website.
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Giovanni Martello
•Just tried the Tele-Serv number again and it still says just "pending bank verification" with no estimated date. Going to try again tomorrow morning. Thanks for the suggestion though!
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Libby Hassan
mine took 4 days for direct deposit to clear after verification but my cousin got hers in 2 days last month so it really varies
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Savannah Weiner
Just to clarify something important - there are actually TWO verifications happening: 1) TWC verifies your bank info is valid (2-3 days typically) and 2) After approval, the actual payment processing time (1-2 days). So when people say "it took X days," they might be counting from different starting points. Once your payment shows as "processed" in the system, it's usually in your account within 48 hours max. And to your earlier question - yes, you MUST continue requesting payments on your assigned day every two weeks regardless of whether you've received your first payment yet.
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Giovanni Martello
•That makes sense! My payment request day is next Tuesday, so I'll make sure to do that no matter what. Do I have to do the work search activities before I even get my first payment?
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Sophia Carter
Yes, you absolutely need to do your work search activities (minimum 3 per week in Texas) from the very beginning of your claim. Document everything carefully - job site used, position applied for, company name, any contact info you have. TWC can audit your work search at any time, even months later. I keep a spreadsheet with all my work search activities just in case.
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Giovanni Martello
•Oh wow, I didn't realize I needed to start those already! Thank you so much for letting me know. Going to start applying for jobs today.
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Levi Parker
update us when u get ur $$$! i'm curious if things r moving faster now than when i applied in january. took me almost 3 weeks total from approval to first deposit 😭
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Giovanni Martello
•Will do! I really hope it doesn't take 3 weeks... my landlord is already giving me the side-eye when I see him in the hallway 😬
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