TWC deposit timing to Chime account - anyone know how long?
I just got notification that my TWC unemployment payment was processed yesterday (status changed from 'pending' to 'processed' on the payment summary page). I use Chime for my direct deposit and I'm wondering how long it typically takes for the money to actually hit my account? This is my first payment after my claim was approved and I'm running super tight on funds. Anyone with Chime have experience with how long TWC deposits take? My rent is due in 3 days so I'm getting anxious.
18 comments
Aiden Chen
Got Chime too. TWC usually hits my account 1-2 business days after it shows processed. Sometimes even same day if it processes early morning. Way faster than my old bank that took 3-4 days!
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Sophia Bennett
•Oh that's really good to know! Today's already the second business day since it changed to processed so hopefully I'll see it today. I'll keep checking my app.
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Zoey Bianchi
I've been on unemployment for 4 months now and use Chime. In my experience, TWC deposits hit around 9-10am, usually the day after it shows as processed. But there have been times it takes 2 days. The good thing with Chime is they release the funds immediately when they receive them, unlike traditional banks that sometimes hold deposits. Make sure your account number was entered correctly on your TWC profile. If this is your first payment, double check that.
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Sophia Bennett
•Thank you! I triple-checked my account info when I set up direct deposit, but good reminder. I'll watch for it tomorrow morning around that time.
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Christopher Morgan
my sister uses chime and she says TWC is always there same day it processs
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Aurora St.Pierre
•That's not always accurate. It depends on what time the TWC payment file is sent to the Treasury and when Treasury processes the ACH transfer. While Chime does make funds available as soon as they receive them, there's still the ACH transfer window to consider.
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Grace Johnson
I HATE waiting for TWC payments!!! Been on unemployment since January and the stress is UNREAL every time. I don't have Chime but with my credit union it takes 3-4 business days from "processed" status. The whole system is designed to make us suffer!!
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Sophia Bennett
•3-4 days seems like forever when you're waiting for money. I'm hoping Chime is faster like others are saying here.
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Jayden Reed
When I was on unemployment last year I used Chime and it was usually there by the next morning after showing processed. If you requested payment on Sunday/Monday it would usually show up by Tuesday/Wednesday. Way better than my old Wells Fargo account.
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Grace Johnson
•Wells Fargo is THE WORST with unemployment deposits! They held mine for 5 days once - I nearly got evicted!!
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Nora Brooks
If you're worried about your TWC payment timing and need to talk to someone at TWC to confirm the deposit status, I'd recommend trying Claimyr (claimyr.com). I was in a similar situation waiting for my first payment and couldn't get through on the TWC phone lines. Claimyr got me connected to an actual TWC agent in about 20 minutes who confirmed exactly when my deposit would hit. Saved me days of anxiety! They have a video showing how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh
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Sophia Bennett
•Thanks for the tip! If my payment doesn't show up by tomorrow, I might try this. Getting through to TWC on the phone has been impossible.
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Aurora St.Pierre
To give you the most accurate information: TWC typically processes payments within 2-3 business days after your payment request. Once the status shows as "processed" in the TWC system, it means the payment has been sent to the Treasury, which then initiates an ACH transfer to your bank. With Chime specifically, you'll typically see the deposit within 1-2 business days after the "processed" status appears, as Chime releases funds as soon as the pending deposit notification is received (unlike traditional banks that may hold funds until the official settlement date). One important thing to note - if this is your first payment, it sometimes takes an extra day as the system verifies your banking details. If you don't see the deposit by the third business day after it shows as processed, I would recommend contacting TWC to ensure there are no issues with your direct deposit information.
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Sophia Bennett
•Thank you for the detailed explanation! That makes sense about the first payment possibly taking longer. Today is the second business day since it showed processed, so I'll give it until tomorrow afternoon before I start to worry.
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Christopher Morgan
one time my payment said processed but didnt come for a week cuz there was a holiday
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Zoey Bianchi
•That's a good point about holidays. Federal holidays do affect ACH transfers, which is what TWC uses for direct deposits. There aren't any holidays this week though, so OP's deposit should follow the normal timeline.
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Sophia Bennett
UPDATE: My payment just hit my Chime account! It was exactly 2 business days after it showed as processed. Thanks everyone for your help and reassurance. Such a relief to finally have some funds.
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Jayden Reed
•Great news! Now you know what to expect for future payments. Glad it worked out!
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