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TWC holiday payment schedule - when will my unemployment deposit arrive?

Hi everyone! I just started getting Texas unemployment benefits last month and I'm trying to figure out the holiday payment schedule. When TWC has a holiday, does that delay when I get my payment deposit? My regular deposit day is Tuesday, but with Memorial Day coming up, I'm worried about whether I'll get my money on time or if it'll be delayed. I need to make sure I have enough for rent that's due on the 1st. Anyone know how this works? Thanks in advance!!

Paolo Ricci

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Generally, if a holiday falls on your regular deposit day, your payment will be delayed by one business day. So for Memorial Day (which is a Monday), if your regular deposit is Tuesday, you might get it Wednesday instead. But it can sometimes depend on your bank too - some process these faster than others even with the holiday delay from TWC. Make sure you've already requested your payment on time through the usual process.

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Keisha Williams

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Thank you! That makes sense. I've been doing my payment requests every two weeks like they told me to. So basically I should expect it Wednesday then? Just trying to make sure I can cover my bills.

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Amina Toure

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Ya this happened to me at Thanksgiving last year. Got mine a day late and freaked out at first lol

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Keisha Williams

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Oh that's good to know! Did it just show up without any notification or anything?

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Amina Toure

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Yep just showed up in my account. No warning or anything from TWC

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JUST SO YOU KNOW this is NOT always true!! I had a payment delayed for THREE DAYS after July 4th last year and TWC didn't even care when I called!!! They blame the banks but its THEIR SYSTEM that's the problem!! Make sure you plan ahead because they DO NOT care if you miss paying your bills because of their delays!!!!

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CosmicCommander

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The delays aren't usually this bad. In my experience working with the system, holiday delays are typically just one business day. What probably happened in your situation was a combination of the holiday AND some other processing flag on your account. If a payment request is selected for additional review or if there's a work search verification, that can add extra days.

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Well they never TOLD me there was any "flag" on my account!! How is anyone supposed to know that?? The whole system is designed to make us fail!

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Natasha Volkova

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i got the same question but with direct deposit does anybody know?

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Paolo Ricci

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The same rules apply for direct deposit - it will typically be delayed by one business day if the normal deposit day falls on a holiday. Direct deposit is actually the fastest method to receive your benefits from TWC.

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CosmicCommander

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TWC follows the standard state holiday schedule, which means they don't process payments on official holidays. For direct deposit, this typically means a one-day delay. For the TWC Debit Card, it can sometimes be 1-2 days depending on when the holiday falls. In your specific case with Memorial Day on Monday and your regular deposit day being Tuesday, you should expect your deposit on Wednesday. TWC processes the payment request on the first business day after the holiday, then it takes 1-2 days to appear in your account depending on your bank's processing time. Important: Always file your payment request on your scheduled day regardless of holidays. The delay happens on TWC's processing end, not on the request submission end.

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Keisha Williams

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Thank you so much for the detailed explanation! I'll definitely keep requesting payment on my regular schedule. One more question - does the TWC website show the holiday schedule somewhere? I want to mark my calendar for future holidays so I can plan better.

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CosmicCommander

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Yes, you can find the official TWC holiday schedule on their website under the "Contact TWC" section. They typically post the full year's holiday schedule. You can also call them directly to verify specific holidays, though getting through can be challenging during busy periods.

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Javier Torres

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When I was on unemployment last year I had such a hard time getting through to TWC about a payment delay after a holiday. I ended up using this service called Claimyr (claimyr.com) and they actually got me connected to a TWC agent in about 20 minutes! I was shocked because I'd been trying for days on my own. They have a video showing how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh The agent told me that even though there's usually a one-day delay, sometimes there can be additional processing time if the system is backed up after a holiday. Might be worth calling just to check on your specific payment status.

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Keisha Williams

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Thanks for the suggestion! I might try that if my payment doesn't come through on Wednesday. I've tried calling TWC before and it's impossible to get through.

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Natasha Volkova

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does that thing really work? i tried calling like 15 times today and nothing

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Javier Torres

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Yeah it actually does work. I was skeptical too but was desperate after trying for almost a week to get through. They basically keep dialing for you and jump you into the queue when there's an opening.

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Emma Davis

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One important thing to remember is that even though your payment might be delayed by a day, you still need to request your payment on your regularly scheduled day. Don't wait because of the holiday - that will just cause additional delays. Also, if you're using the TWC debit card, sometimes those payments process a bit differently than direct deposit to your bank account. The official TWC guidance is to expect a one business day delay, but I've found that sometimes my bank would process the deposit late in the evening on the regular day anyway, holiday or not. If you absolutely need the money by a certain date for bills, I'd recommend calling TWC to confirm your specific situation. Every claim can have slightly different processing details.

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Keisha Williams

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That's good to know about the payment request - I'll definitely keep doing those on schedule. I have direct deposit set up to my regular bank account, not the TWC card. Hopefully that means it'll be a bit faster? I'm just trying to avoid overdraft fees!

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Emma Davis

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Direct deposit is typically faster than the TWC debit card, so you're already using the quickest method. Just keep in mind that while TWC might process it one day after the holiday, your bank might have its own processing time for incoming ACH transfers. Most banks process these within 24 hours, but some can take up to 48 hours, especially if they also observed the holiday.

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Amina Toure

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I had this happen on Presidents Day and got mine a day late but my cousin didn't get hers until Thursday that same week so I think it depends

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CosmicCommander

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Your cousin's extra delay might have been due to additional verification requirements or a potential issue with her payment request. When there's a discrepancy in work search activities or earnings reported, TWC sometimes puts a temporary hold on the payment for additional review. This is separate from the standard holiday delay.

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Keisha Williams

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Thanks everyone for all the helpful information! I'll plan for Wednesday but be prepared it might be Thursday just to be safe. I'll make sure to keep doing my payment requests on the regular schedule no matter what. This community has been so helpful - I'm new to all this unemployment stuff and it's pretty confusing at first!

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Paolo Ricci

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That's a smart approach. And don't hesitate to call TWC if your payment is delayed beyond what's expected. Sometimes there can be specific issues with individual claims that need addressing.

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Keisha Williams

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Will do! Thanks again everyone!

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