TWC unemployment debit card delay - need faster payment alternatives?
So frustrating! I qualified for unemployment benefits and TWC told me my debit card was requested on November 20th, but because of the Thanksgiving holiday they said it could be another 3-5 days before I receive it. I'm getting worried because I have bills coming due next week. Has anyone else experienced delays with their TWC debit card? More importantly, does anyone know if I can get them to transfer my funds to my personal bank account or another card I already have? I really need access to this money ASAP and waiting another week isn't going to work for me. Any advice would be super appreciated!
26 comments

Emma Davis
Yes, you can change your payment method from the ReliaCard to direct deposit! Login to your TWC account, go to Payment Option, and select Direct Deposit. You'll need your bank account number and routing number. The change usually takes 5-7 business days to process, so it might not be faster for your current payment, but all future payments would go directly to your bank account.
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Javier Hernandez
AuthorThank you! I'll set that up for future payments at least. Do you know if there's any way to get THIS payment transferred? The one that's already been processed to the card I haven't received yet?
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LunarLegend
the cards always take forever lol. mine took like 2 weeks back in january
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Malik Jackson
TWO WEEKS?!! That's ridiculous! How are people supposed to pay their bills?? The whole point of unemployment is to help when you have no income! Makes me so ANGRY how they act like we can just wait forever for OUR MONEY.
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Isabella Oliveira
Unfortunately, once the payment has been issued to the ReliaCard, TWC cannot redirect that specific payment to a different account. Your best option is to set up direct deposit for future payments as mentioned above. For your current situation, you have two options: 1. Continue waiting for the card to arrive 2. Contact U.S. Bank ReliaCard customer service directly at 1-800-657-6343 to ask if they can expedite your card delivery (sometimes they can for a fee) If you absolutely need funds now, you might want to call TWC to explain your situation. In rare hardship cases, they might be able to help, though this isn't guaranteed.
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Ravi Patel
this is correct, once it goes to the card u have to wait. i had same problem last year.
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Freya Andersen
I was in the exact same boat a few weeks ago! Kept trying to call TWC to see if they could help but could never get through - busy signals for DAYS. I finally found this service called Claimyr that got me connected to a TWC agent in about 20 minutes instead of spending hours redialing. The agent couldn't transfer the current payment but was able to expedite my direct deposit setup for future payments AND gave me info to contact US Bank directly about rushing my card. Saved me a ton of stress! Check out their demo at https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh or their website claimyr.com if you want to talk to a real person at TWC without the endless busy signals.
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Javier Hernandez
AuthorThank you! I've been trying to call all morning with no luck. I'll look into this. Did you have to pay anything for the service?
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Freya Andersen
Yes, there is a fee, but for me it was worth it since I was getting nowhere on my own. After several days of not being able to reach anyone, I got through in minutes. Just to be clear - they don't handle your TWC issues, they just connect you with an actual TWC agent who can help.
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Omar Zaki
the same thing happened to me but with the twist that they mailed my card to my old address even tho i updated it in the system!!! make sure ur address is correct in both TWC and US Bank systems. sometimes they dont match up and thats another headache
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Javier Hernandez
AuthorOh no! I didn't even think about that. I moved about 8 months ago but I'm pretty sure my address is updated in the TWC system. How do I check if US Bank has the right address?
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Omar Zaki
u can call US Bank ReliaCard directly to check. their number is 1-800-657-6343. they can tell u what address they have on file for u
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Malik Jackson
This is EXACTLY why the Texas unemployment system is such a JOKE! They hold OUR MONEY hostage with these ridiculous debit cards that take FOREVER to arrive instead of just giving us a direct deposit option from the beginning!! My sister had to wait almost THREE WEEKS for her card earlier this year because it got "lost in the mail" - meanwhile her rent was late and she got charged late fees. Did TWC care? NOPE!!! The whole system is designed to make it as difficult as possible!
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Emma Davis
To be fair, TWC does offer direct deposit as the default option when you first set up your claim. Many people don't have their banking information handy when filing initially, so they default to the ReliaCard. But I agree the card shipping process is unnecessarily slow, especially since they know people are waiting for funds to cover essential expenses.
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Isabella Oliveira
One additional tip - once you do receive your ReliaCard, you can transfer the funds from the card to your bank account through the ReliaCard mobile app or website. You'll need to set up the bank account as an external transfer option. The transfer typically takes 1-3 business days. This won't help with your immediate need, but good to know for when the card arrives.
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LunarLegend
u can also withdraw cash from atm but they have limits like $500 per day i think
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Isabella Oliveira
That's correct. There's a daily ATM withdrawal limit (typically $500), but you can also make purchases directly with the card. Just remember that not all ATMs are free - U.S. Bank ATMs won't charge a fee, but others might. The ReliaCard website has a locator for fee-free ATMs.
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Ravi Patel
my freind said if u call us bank and tell them its a emergency they might rush the card to u for a fee but it costs like $15 extra i think
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Javier Hernandez
AuthorThanks for the tip! $15 would be totally worth it at this point. I'll definitely ask about that when I call them.
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Omar Zaki
also dont forget u need to activate the card as soon as u get it! my husband got his card and thought it was working but he never called the activation number so his card got declined at the gas station and it was super embarrassing
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Emma Davis
Good reminder! The activation instructions come with the card, and you'll need to create a PIN during activation. Also make sure to sign the back of the card immediately.
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Javier Hernandez
Update: I was able to get through to US Bank ReliaCard directly. They confirmed my card was mailed on the 21st and said they can't expedite it once it's already in the mail. BUT they did verify my current address is correct in their system, so hopefully it will arrive in the next few days. I also setup direct deposit on my TWC account for future payments. Thank you everyone for your help and suggestions!
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Isabella Oliveira
Glad you were able to confirm everything is on track! Having direct deposit set up for future payments will make things much easier going forward. Hope your card arrives soon.
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Aaron Lee
I'm glad you were able to get some answers and set up direct deposit for the future! Just wanted to add that if your card doesn't arrive by early next week, you can also file a claim with USPS for a missing/delayed mail piece. Sometimes that helps track down where it might be stuck in the system. I had to do that once with an important document and it actually helped locate it at a sorting facility. Also, keep checking your mailbox daily - sometimes these cards come in plain envelopes that don't look official, so they're easy to miss among regular mail. Hope it shows up soon!
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Sunny Wang
I've been dealing with Texas unemployment for over a year now due to multiple job transitions, and I've learned a few tricks that might help speed things up. First, if you haven't already, try creating an account on the ReliaCard website (goprogram.com) - sometimes you can see if your card has been issued and get an estimated delivery date even before it arrives. Second, I've had luck calling US Bank's ReliaCard line super early (like 6:30 AM) or late in the evening when call volumes are lower. Finally, here's something most people don't know - if you're facing a true financial emergency (like eviction notice, utility shutoff, etc.), you can actually request an emergency payment voucher through TWC that allows you to pick up a check at certain locations. It's not widely advertised and requires documentation, but it exists for severe hardship cases. You'd need to call TWC and specifically ask about "emergency payment options" - most reps don't know about it unless you use those exact words. Hope this helps and your card arrives soon!
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Lorenzo McCormick
Wow, this is incredibly helpful information! I had no idea about the emergency payment voucher option - that could be a game changer for people in really desperate situations. I'm definitely going to try creating an account on the ReliaCard website to see if I can get any status updates on my card. The tip about calling at off-peak hours is smart too. It's crazy that we have to become experts in navigating all these systems just to access our own unemployment benefits, but I really appreciate you sharing these insider tips. The fact that you have to use specific words like "emergency payment options" just shows how much important information isn't readily available to people who need it most. Thank you for taking the time to share what you've learned!
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