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!