TWC direct deposit timing - will midnight payment request show up by Friday?

midnight wont make a difference tbh. they process all wednesday reqeusts as a batch anyway. my deposits from twc always hit on friday around 8-9am with wells fargo.

TWC typically processes all payment requests made on your designated day in the same batch, regardless of what time you submit it. For Wednesday payment request days, direct deposits generally appear in bank accounts on Friday morning, though exact timing depends on your specific bank. Since your Discover account is new, it's possible there could be a hold on the first direct deposit, but that varies by bank policy. The TWC system runs overnight batch processes, so midnight vs. noon won't change your place in line. If you're concerned about timing, you can always check your payment status on the TWC portal under "Claim and Payment Status" to see when it shows as processed.

When I was on unemployment last year, I ALWAYS did my payment requests at exactly midnight and my deposits would hit my account by Friday at 9am like clockwork. ONE TIME I forgot and did it around noon on Wednesday and I swear the money didn't show up until Friday afternoon around 3pm!! Could have been a coincidence but I wasn't taking chances after that. I'm a midnight requester 100%! BTW Discover was actually really good with my unemployment deposits - they never put any holds on them even though TWC payments sometimes get flagged at other banks.

Everyone seems to have different experiences, but here's what I know from working with many TWC claimants: Direct deposits typically appear 2 business days after the payment request is processed, regardless of what time you submit on your designated day. The midnight strategy is largely a myth - TWC's system processes requests in batches, not individually as they arrive. That said, your Discover account might have specific policies for government deposits. I'd recommend calling Discover specifically to ask about their handling of unemployment direct deposits and any potential holds they might place on government funds for new accounts. Some banks do have special handling procedures for unemployment benefits.

Has anyone else been having trouble getting through to TWC to ask these kinds of questions? I've been trying to call them for THREE DAYS about my direct deposit information and keep getting busy signals or disconnected after waiting forever. I'm about to lose my mind!!!

my exprience with TWC direct deposits: they ALWAYS hit my account on fridays arnd 10:30am no matter what time i do my wednesday request. ive been on unemployment since january so pretty sure about this lol. ONE THING THO - first direct deposit after switching from checks took an extra day! might happen to u too just fyi

To clarify some confusion in this thread: TWC's payment processing system runs on a specific schedule regardless of what time you submit your payment request on your designated day. The system typically processes Wednesday requests overnight Wednesday into Thursday. After processing, it initiates ACH transfers to banks, which generally take 1-2 business days to complete. While some users report different experiences with timing, these variations are typically due to differences in how banks handle incoming ACH transfers, not differences in TWC's processing time based on when you submitted. For your specific situation with Discover, the standard timeline should apply, but as others have mentioned, the very first direct deposit after switching from paper checks might take an additional day for verification purposes.

Thank you everyone for all the helpful responses! I'm going to stick with my midnight plan just to be safe, but I'll prepare for the possibility it might not hit until Friday afternoon or even Monday if there's an extra verification step for first-time direct deposits. I'll definitely check the payment status page on Thursday to see if it shows as processed. Really appreciate all the detailed information - this community has been so helpful during this stressful time!

Just wanted to add my experience as someone who's been through this exact situation! When I first switched from paper checks to direct deposit with TWC, I was also super anxious about timing. Here's what actually happened: I did my Wednesday request around 2pm (not midnight), and my first direct deposit took 3 business days instead of the usual 2 - so it came on Monday instead of Friday. TWC customer service later explained this is normal for the very first direct deposit after switching from checks because they do additional verification. After that first time though, every subsequent deposit has been like clockwork - arrives Friday morning around 9am regardless of what time I submit on Wednesday. My advice would be to have a backup plan for your car payment just in case, since it's your first direct deposit. Better safe than sorry!

I've been dealing with TWC direct deposits for about 8 months now and can share some insight on the timing question. The midnight submission thing is mostly psychological - TWC processes all Wednesday requests in the same overnight batch regardless of when you submit during the day. However, since this is your first direct deposit after switching from paper checks, there's a very real possibility it could take an extra business day (so Monday instead of Friday) due to their verification process. I'd strongly recommend having a backup plan for your car payment deadline. You might want to contact your lender now to explain the situation - most are understanding about unemployment payment timing issues, especially for a one-time delay. Also, keep checking the TWC payment status portal Thursday evening to see if it shows as processed, which will give you a better idea of timing.

I've been getting TWC direct deposits for about 6 months now and here's my experience: the time you submit your Wednesday request really doesn't matter much for processing speed - they run everything through overnight batch processing regardless. BUT since you're switching from paper checks to direct deposit for the first time, there's a high chance you'll see a delay. My first direct deposit took 4 business days instead of the usual 2, so I got it the following Tuesday instead of Friday. TWC does extra verification on first-time direct deposits to make sure everything matches up correctly. Given that your car payment can't be late again, I'd definitely recommend calling your lender ASAP to explain the situation and ask for a short extension. Most auto lenders are pretty understanding about unemployment payment delays, especially if you're proactive about communicating. After this first deposit though, you should be good to go with the regular Friday morning timing!

I've been through this exact situation with my first TWC direct deposit and want to share what happened to help you plan better. Like you, I switched from paper checks to direct deposit and was really stressed about timing for bills. I submitted my Wednesday request around 11pm (close to midnight like you're planning) and the money didn't hit my account until the following Monday - so 5 business days instead of the usual 2. The TWC rep I eventually spoke to said first-time direct deposits can take anywhere from 3-5 business days due to their verification process, and there's really no way to predict exactly how long it'll take for your specific case. Since your car payment absolutely can't be late, I'd recommend calling them TODAY to explain you're waiting on your first unemployment direct deposit and ask for a few extra days. Most auto lenders will work with you if you're upfront about it. Also worth noting - once you get past this first deposit, the timing becomes super reliable. Mine now hits every Friday at exactly 8:47am like clockwork!

Based on all the experiences shared here, it sounds like you should definitely prepare for your first direct deposit to take longer than the usual 2 business days. I've been getting TWC payments for almost a year now, and while my regular deposits are super predictable (Friday mornings around 9:30am), I remember my first direct deposit after switching from checks took 3 business days - arrived Monday instead of Friday. The verification process for first-time direct deposits seems to vary between 3-5 business days based on what everyone's sharing. Since your car payment deadline is so tight, calling your lender to explain and request a short extension is definitely the smart move. Most are understanding about unemployment timing, especially if you're upfront about it being a one-time delay for the initial setup. After this first one though, you'll have much more predictable timing to work with!

Hey Tyler! I went through this exact same situation about 4 months ago when I switched from paper checks to direct deposit with TWC. Unfortunately, the midnight timing won't help you - TWC processes all Wednesday requests in the same overnight batch regardless of when you submit during the day. More importantly though, since this is your first direct deposit after switching from checks, you should definitely prepare for it to take longer than the usual 2 business days. Mine took 4 business days (arrived the following Tuesday) due to their verification process for first-time direct deposits. Given your Friday car payment deadline, I'd strongly recommend calling your lender TODAY to explain the situation and ask for an extension through at least Tuesday. Most auto loan companies are understanding about unemployment payment delays, especially if you're proactive about communicating. Trust me, it's way better to handle this upfront than deal with late fees! After this first deposit, your timing will become super predictable - mine now hits every Friday at 9:15am like clockwork.

I've been on TWC for about 10 months now and can confirm what most people are saying here - the midnight submission really doesn't make a difference in processing time. TWC runs batch processing overnight regardless of when you submit on Wednesday. But here's the important part: since you're switching from checks to direct deposit for the first time, there's almost certainly going to be a delay for verification. My first direct deposit took 3 business days (got it Monday instead of Friday), but I've seen others take up to 5 business days. Given your tight car payment deadline, definitely call your lender ASAP to explain and get an extension. Most are pretty understanding about unemployment timing issues, especially for a one-time setup delay. Also, keep an eye on your TWC payment status portal - it'll show when the payment is processed, which gives you a better idea of timing. Once you get past this first deposit though, you'll have super reliable timing - mine hits every Friday at 9:20am without fail!

I've been dealing with TWC direct deposits for about a year now, and I hate to add to your stress, but everyone here is right about first-time direct deposit delays. When I made the switch from paper checks, my first deposit took a full 4 business days - didn't hit my account until Tuesday morning. The midnight timing thing is definitely a myth - TWC processes everything in overnight batches regardless. What helped me was calling TWC around day 3 to confirm the payment was processed on their end (you can also check this in the online portal under payment status). For your car payment situation, absolutely call your lender today and explain you're waiting on your first unemployment direct deposit - most will give you a few extra days without penalty if you're proactive about it. The good news is after this first verification delay, your deposits will be incredibly consistent. Mine hits every Friday at exactly 8:15am now. Hang in there!

I've been getting TWC direct deposits for about 7 months now and want to echo what everyone else is saying - the midnight submission won't speed up your processing time since TWC runs batch processing overnight regardless of when you submit on Wednesday. More importantly, since this is your first direct deposit after switching from paper checks, you should absolutely prepare for a 3-5 business day delay instead of the usual 2 days. My first direct deposit took 3 business days (arrived Monday morning around 10am), and from what I've seen in this community, that's pretty typical for the verification process they do on first-time direct deposits. Given your car payment deadline, definitely call your lender TODAY to explain you're waiting on your first unemployment direct deposit setup - most are very understanding about this specific situation since it's so common. After this first deposit though, you'll have incredibly reliable timing. Mine now hits every Friday at 8:45am like clockwork, so it makes budgeting much easier going forward!

I went through this exact same situation about 6 months ago when I switched from checks to direct deposit with TWC. The midnight timing really doesn't matter - TWC processes all Wednesday requests in the same overnight batch regardless of submission time. What you really need to prepare for is that your first direct deposit will almost certainly take longer than the usual 2 business days. Mine took 4 business days (arrived Tuesday morning) due to their verification process for first-time direct deposits. Since your car payment can't be late, I'd strongly recommend calling your lender TODAY to explain you're waiting on your first unemployment direct deposit setup - most auto loan companies are very understanding about this specific situation. You can also check your payment status on the TWC portal Thursday evening to see if it shows as processed. After this first deposit, your timing will become super reliable - mine now hits every Friday at 9:05am without fail. Better to be proactive with your lender than risk late fees!