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Julia Hall

TWC payment deposit timing for ReliaCard - when does money arrive after request?

Hey everyone! I just got approved for unemployment and have the TWC ReliaCard. I need to request my payment tomorrow but I'm trying to figure out exactly WHEN the money will be available on my card so I can plan which bills to pay first. Does anyone know the typical timeline between requesting payment and when funds actually hit the ReliaCard? Some bills are due next week and I'm seriously stressing about timing everything right! 😭😭 Is it like 2-3 days or longer? And does requesting on certain days of the week make it faster?

If your payment request is approved without any issues, the money typically hits your ReliaCard account within 2-3 business days. I've been on unemployment since January and mine usually shows up 2 days after I request. Just remember that weekends don't count as business days, so if you request on Friday, you probably won't see it until Tuesday or Wednesday.

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Thank you!! That helps a lot. Do you know if there's any way to check if my payment request gets approved right away or do I just have to wait and see if the money shows up?

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it varies tbh. somtimes 2 days sometimes 4. depends on if theres any flags on ur account

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Ugh that's what I was afraid of. Do you know what kind of flags might slow things down? This is my first payment request.

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The TWC payment processing works like this: 1. You request payment on your designated filing day 2. TWC processes the request (usually overnight) 3. If approved, payment is released the next business day 4. The ReliaCard typically receives the deposit 1-2 business days after the payment is released So the total timeline is usually 2-3 business days from request to deposit. You can track this in your TWC account under the Payment Information section, which will show when a payment is processed and released. If you have work search requirements, make sure those are completed and documented correctly or it could delay your payment. Also, holiday weekends can add an extra day to processing time.

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This is incredibly helpful, thank you! I'll definitely check the Payment Information section. Is there a specific time of day when the money usually posts to the card?

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When I was on unemployment last year, mine was ALWAYS delayed the first payment. Took about 5 days instead of the normal 2-3. Don't panic if it doesn't show up right away! After that first one though, it was super consistent - I'd request on Monday and have money by Wednesday afternoon. The system works better than it seems!

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That's really good to know - I'll try not to panic if the first one takes longer. Wish they made this clearer on their website!

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I HATE THE WAITING GAME!!! Been there, done that. The TWC system is so frustrating with timing. My advice? Always assume it will take the LONGEST possible time (4 business days) and plan accordingly. Better to be pleasantly surprised than screwed on bill payments.

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^^^^ this. always plan for worst case scenario with twc

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Try contacting TWC directly to ask about your specific payment timing. I know it's almost impossible to get through on their phone lines, but I found this service called Claimyr (claimyr.com) that got me through to a TWC agent in under 15 minutes when I had questions about my payment schedule. They have a video demo at https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh that shows how it works. The agent was able to tell me exactly when my payment would hit my ReliaCard, which was super helpful for planning bills.

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Has anyone else used this Claimyr thing? I've been calling TWC for 2 weeks straight with no luck...

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PRO TIP: Set up direct deposit instead of ReliaCard if possible. It's usually faster by a day and more reliable. You can change it in your TWC account settings.

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I didn't even realize that was an option! I'll look into changing to direct deposit after I get this first payment. Thank you!

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Just to follow up on the direct deposit suggestion - while it is often faster, switching payment methods can cause a one-time delay in your next payment while the system updates. If you're in a tight spot with bills right now, it might be better to wait until you have a bit of financial cushion before making that change.

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That's really important to know - I'll probably wait a few weeks before switching to direct deposit then. Thank you for the heads up!

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btw the reliacard app is decent for tracking when $ hits. better than checking account balance constantly

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Just downloaded it! Thanks for the suggestion 👍

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One thing I learned the hard way - if you're cutting it close with bill due dates, call your creditors/utility companies NOW to let them know you might be a few days late. Most of them will work with you if you give them a heads up, especially if you explain you're waiting on unemployment benefits. I avoided late fees on my electric bill this way when my first TWC payment took 4 days instead of the expected 2. Don't wait until after the due date to call - do it before you even request the payment!

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