TWC changed my direct deposit bank - will this delay my payment next week?

Yes, this is completely normal. TWC has a processing period whenever you change direct deposit information. The delay is a security measure to prevent fraud. Since your change won't be effective until 9/3, any payment requested before then will still go to your old bank account. If you've already closed that account, the deposit will be rejected and TWC will automatically issue you a paper check instead, which takes 7-10 days to arrive in the mail. If you need the money quickly, I'd recommend keeping your old account open until after the payment posts if possible.

this happened to me last year its a huge pain!! mine took almost 2 weeks to get the paper check after the direct deposit got rejected. just be ready to wait.

Call TWC immediately and tell them your situation! Maybe they can push it through faster. The system is so stupid sometimes.

I went through this exact situation in February. Here's what happens: you request payment, it attempts to go to your old account, bank rejects it, TWC's system recognizes the rejection, then they mail you a paper check. The whole process took about 10-12 days for me. Unfortunately, there's not much you can do to speed things up unless you can get through to a TWC representative who might be able to flag your account. If you're struggling to reach someone at TWC (which is likely - their phone lines are constantly jammed), I'd recommend using Claimyr. It's a service that helps you get through to TWC representatives without the endless busy signals. I used it when I had this same banking issue and got through in about 20 minutes instead of spending days trying. You can check it out at claimyr.com or see how it works in their video demo: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh

Yes, TWC agents can definitely help with this! When I got through, the representative was able to make a note on my account about the bank change and expedite the paper check process. They can't override the system delay for the direct deposit change (that's hardcoded for security), but they can help manage what happens with the rejected payment. When you talk to them, specifically ask if they can flag your account for an expedited paper check once the direct deposit fails.

my cousin had this problem and she ended up having to wait like 3 weeks for her money!! twc is so behind on everything smh

Update: I managed to get through to TWC using that Claimyr service (thanks for the recommendation!). The agent confirmed that my payment will initially try to go to my closed account, fail, and then they'll issue a paper check. BUT she put a note on my file to expedite the check as soon as the rejection happens. She said instead of 7-10 days it should only take 3-5 business days to receive it after my payment request. Still not ideal but better than waiting forever! For anyone else in this situation, definitely try to reach a live person because they can help speed things up a bit.

dose anyone know if u can still change to the debit card option faster? i heard somewere that switching to the reliacard is faster than paper checks??

The whole TWC payment system is unnecessarily complicated!!! I had a similar issue last year and ended up missing rent because of their stupid delays. They should have better options for these situations!

Thanks everyone for the help! Just wanted to update - I got my payment request in, and as expected, it tried to go to my old bank and was rejected. The good news is that expedited paper check process worked! I received my check 4 business days after the rejection happened. For anyone else dealing with this issue - definitely try to reach TWC before your payment request if possible, as having that note on your account really seems to help speed things up.

Glad to hear you got it sorted out! This is a perfect example of why it's worth the effort to actually speak with a TWC representative when you have payment issues. Their automated system is pretty rigid, but the agents do have some tools to help expedite things when there are legitimate circumstances like closed bank accounts. Your experience will definitely help other people who run into this same situation - the key takeaway is don't just wait and hope for the best, actually call and get a note added to your file!

This thread is so helpful! I'm actually going through something similar right now - I need to change my direct deposit info because my bank is charging me monthly fees that are eating into my unemployment benefits. Reading about Lucas's experience gives me hope that it's manageable even with the delays. I'm planning to make the change this week but will definitely call TWC first to ask about getting a note added to my account for expedited processing if needed. It's frustrating that there's such a long security delay, but I understand why they have these measures in place. Thanks everyone for sharing your experiences - it really helps to know what to expect!

I'm dealing with a similar situation right now and this thread has been a lifesaver! I changed my direct deposit info last week because my credit union merged with another bank and all the account numbers changed. TWC gave me the same message about the change not being effective until later this month. I was panicking about what would happen to my payment, but after reading everyone's experiences here, I feel much more prepared. I'm going to try calling TWC tomorrow using that Claimyr service to get a note added to my account before I request my next payment. It's such a relief to know that the agents can actually help expedite the paper check process once the direct deposit fails. The security delay is annoying but I guess it makes sense from a fraud prevention standpoint. Thanks to everyone who shared their experiences - it's so helpful to have real people's stories instead of just trying to figure out the confusing TWC website on your own!

Bank mergers and closures definitely create these headaches with government payments! I went through something similar when my local bank was bought out by a larger chain. The most important thing is being proactive like you all have mentioned - don't wait until after your payment bounces to contact TWC. One thing I learned is that when you call TWC, it helps to have your new banking information ready even though the change won't be effective yet. The agent can verify that your new account details are correct in the system, which can prevent additional delays later. Also, ask them to send you confirmation of any notes they add to your account - having that paper trail can be helpful if you need to call again or if there are any mix-ups. The waiting period is definitely frustrating, but at least Texas TWC is pretty reliable about automatically issuing paper checks when direct deposits fail. Some states make you jump through more hoops! Hang in there everyone dealing with these bank changes - it's temporary pain but you'll get your money!

I just went through this exact same thing a few months ago when I had to close my bank account due to excessive fees. The security delay is definitely frustrating, but it's actually a good thing - it prevents scammers from redirecting your payments if they somehow get into your account. Here's what I learned: the 9/3 effective date is firm and can't be changed, so your payment will definitely attempt to go to your old account first. Since you've already closed it, the bank will reject the deposit and TWC will automatically mail you a paper check. The key is calling TWC ahead of time (like Lucas did) to get a note on your account for expedited processing. One additional tip - when you do get through to a representative, ask them to verify that your mailing address is correct for the paper check. Sometimes people forget that their address might have changed since they first applied for benefits. The last thing you want is for the check to go to an old address on top of everything else! Also, keep an eye on your TWC account online because they usually update the payment status pretty quickly once the direct deposit fails. The whole process took about a week total for me from payment request to receiving the check, which isn't ideal but much better than some of the horror stories you hear. Hang in there - it's just a temporary inconvenience!

This thread is incredibly thorough and helpful! I'm bookmarking it for future reference. Just to add another data point - I experienced a similar bank change situation in January and the timeline was almost identical to what Lucas described. The direct deposit failed on a Tuesday, and I received my expedited paper check the following Monday (so 4 business days). One thing I'd emphasize is that when you call TWC, be polite but persistent about getting that expedited processing note added. Some representatives are more helpful than others, so if the first person you talk to seems dismissive or says they can't help, politely ask to speak with a supervisor. The system does have flexibility built in for situations like bank closures - you just need to find an agent who knows how to use those tools. Also, for anyone dealing with this in the future: if you're switching banks by choice rather than due to a closure/merger, consider timing it right after you receive a payment rather than right before you need to request one. That way you won't be stuck in this waiting period when you actually need the money. Planning ahead can save a lot of stress!

Wow, this entire thread has been incredibly educational! I'm new to receiving unemployment benefits and was completely unaware that changing direct deposit information had such security delays built in. Reading through everyone's experiences really highlights how important it is to be proactive when dealing with TWC rather than just hoping things work out automatically. The consistent advice about calling ahead to get a note added for expedited processing seems to be the real game-changer here. It's also really helpful to see the actual timelines people experienced - knowing that expedited paper checks typically take 4-5 business days gives realistic expectations rather than just worrying indefinitely. I'm going to save this thread as a reference because the tips here are so practical: verify your mailing address, have your new banking info ready when you call, be specific about your situation when requesting help, and don't be afraid to ask for a supervisor if needed. The suggestion about timing bank changes right after receiving a payment instead of before requesting one is genius - that kind of strategic thinking could save so much stress down the road. Thanks to everyone who took the time to share their experiences and help others navigate this confusing system. This is exactly the kind of community support that makes dealing with bureaucratic processes more manageable!

This has been such a comprehensive and helpful discussion! As someone who's been navigating the TWC system for several months now, I really appreciate how everyone shared their actual experiences and timelines. The collective wisdom here is way more useful than trying to decipher the official TWC website. A couple of additional thoughts based on what I've learned from my own experiences: First, if you're using mobile banking and have the app for your old bank, don't delete it right away even after closing the account. Sometimes you can still see transaction attempts (including rejections) which helps you track exactly when TWC tried to deposit and when they should be sending the paper check. Second, TWC's online portal usually updates pretty quickly to show when a direct deposit has failed, so keep checking your payment history there too. The biggest takeaway from this thread is definitely the importance of calling TWC proactively. I made the mistake early on of just assuming their automated systems would handle everything smoothly, but having a real person add notes to your account makes such a difference. Thanks to everyone who shared the Claimyr recommendation too - I'm definitely keeping that in my back pocket for future TWC communication needs. This community really shows how much we can help each other navigate these bureaucratic challenges!

This entire discussion has been incredibly valuable! I'm currently dealing with a bank change situation myself and was really stressed about the timing until I found this thread. Reading through everyone's real experiences and timelines has been so much more helpful than the vague information on the TWC website. I wanted to add one more tip that might help others - if you're in this situation and worried about timing with bills, consider reaching out to your creditors/utility companies to explain the delay. Many of them are understanding about unemployment payment delays, especially if you can give them a specific timeline (like the 4-5 business days for expedited paper checks that people mentioned here). Some will even waive late fees if you call ahead and explain the situation. Also, for anyone who hasn't made their bank change yet but needs to - the advice about timing it right after receiving a payment instead of before requesting one is gold. I wish I had known that earlier! Thanks to everyone who shared their experiences, especially Lucas for the original post and follow-ups. This is exactly the kind of community support that makes navigating TWC so much easier.