What time do TWC deposit unemployment payments to bank accounts?
I just got approved for unemployment last week and I'm waiting on my first payment. My TWC account shows my payment request was processed yesterday, but the money hasn't hit my account yet. For people who get direct deposit, what time of day do TWC payments usually post? Is it early morning, mid-day, or does it vary? I'm trying to figure out when I should expect to see the money so I can pay some bills that are coming due. Thanks for any info!
21 comments
Raul Neal
TWC usually processes payments overnight, so you should see it in your bank account early morning - typically between 2-6am depending on your bank. Some banks show pending deposits the night before. If your payment request was processed yesterday, you'll most likely see the funds tomorrow morning. Just make sure your direct deposit info was correctly entered in your TWC account.
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Heather Tyson
•Thanks! That's helpful to know. I double-checked my direct deposit info and it's correct. I'll keep an eye out for it tomorrow morning then.
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Jenna Sloan
Mine always hits at exactly 3:42am with Chase bank. Been that way for 3 months straight.
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Christian Burns
•Wait really? Mine's always random times with Wells Fargo. Sometimes 4am, sometimes not until like 9am. I didn't know other banks were so consistent!
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Sasha Reese
It really depends on your bank. TWC typically sends the payments in batches overnight, but when they post to your account varies by financial institution. Some banks make funds available immediately upon receiving the ACH transfer, while others have a standard posting time for all direct deposits. Also worth noting that the first payment sometimes takes longer than subsequent ones. If you just got approved and this is your first payment request, it could take 2-3 business days instead of the usual overnight timeframe. If your payment doesn't show up within 3 business days after the TWC website shows it as processed, then you might want to contact TWC to make sure there isn't an issue.
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Heather Tyson
•I didn't realize the first payment might take longer, that's good to know. I'll give it a few days before I start worrying then. I'm with Bank of America, so hopefully they're one of the faster ones.
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Muhammad Hobbs
OMG the waiting is THE WORST!!! My first payment took 4 days to show up and I was FREAKING OUT thinking something went wrong!! The TWC website said it was processed but nothing in my account for DAYS!! Called TWC like 50 times but couldn't get through to anyone. Almost had a panic attack!!!
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Heather Tyson
•That sounds stressful! I'm already feeling anxious about it, but I'll try to be patient. Did you end up getting your payment without having to talk to anyone at TWC?
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Muhammad Hobbs
•Yeah it finally showed up randomly on day 4!!! And then after that first one, they were always there by like 6am the day after processing. It's just that first one that takes FOREVER for some reason!!!!
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Noland Curtis
mine posts whenever my credit union feels like it lol. sometimes 3am sometimes noon. government systems are slow af so just give it time
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Diez Ellis
If you need to contact TWC about your payment, good luck getting through on their phone lines. I spent days trying before I discovered Claimyr. It connects you with TWC agents without the usual wait times. Saved me hours of frustration when I had a payment that didn't post correctly. You can check them out at claimyr.com - they have a video demo showing how it works here: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh. Definitely worth it when you need answers about missing payments!
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Jenna Sloan
•Does this actually work? The TWC phone system is such garbage I've literally never gotten through to a person.
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Diez Ellis
•Yes, it really works. I was skeptical too but it connected me in about 10 minutes when I'd been trying for days on my own. They use some kind of system that navigates the phone tree and holds your place in line.
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Christian Burns
my freind told me that if your bank account has a negative balance when the payment hits they can take some of it to cover overdraft fees so make sure your account is in good standing
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Raul Neal
•This is actually true. If your account is overdrawn, the bank can use incoming deposits to cover the negative balance plus any associated fees. Worth keeping in mind if you're counting on receiving the full unemployment amount.
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Sasha Reese
One more thing to note - make sure you're checking the right account. If this is your first payment and you didn't set up direct deposit immediately when applying, TWC might have issued you a prepaid debit card (U.S. Bank ReliaCard) instead. Some people wait days for a direct deposit that never comes because the money actually went to the ReliaCard. You can check which payment method is active on your TWC account under the Payment Method section.
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Heather Tyson
•I did set up direct deposit right away when I applied, and it shows as my payment method in my TWC account. But that's a good point - I'll double check to make sure it didn't default to the card somehow.
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Muhammad Hobbs
Just wait till you have to call them about a problem with your payment!!! I literally had to call 87 TIMES before I got through!! The system is BROKEN!!!!
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Diez Ellis
•That's exactly why I mentioned Claimyr in my earlier comment. It's the only reliable way to reach TWC when you have payment issues. Otherwise you're just hitting redial all day long.
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Raul Neal
For most people with direct deposit, the timeline looks like this: - File payment request: Day 0 - TWC processes payment: Day 1 or 2 - Bank receives and posts payment: Usually early morning of Day 2 or 3 So if you requested payment on Monday, and TWC shows it processed on Tuesday, you'll most likely see it in your account Wednesday morning, or Thursday at the latest (unless there's a holiday or weekend in there).
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Heather Tyson
•Thanks for breaking it down like that! I requested payment on Monday and it processed Tuesday, so it sounds like I should see it tomorrow (Wednesday). That helps a lot with planning.
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