Texas Final Paycheck Laws (2026): What You Need Before You Go

Most people have no idea when they’re legally supposed to get their last paycheck. Seriously. But in Texas, employers have specific deadlines, and breaking these rules can cost them big money. Let’s break down what you need to know about your final paycheck rights.

Whether you’re quitting tomorrow or worried you haven’t gotten paid yet, this guide covers everything. Stay with me here—this stuff actually matters.

What Exactly Is a Final Paycheck?

Your final paycheck is the last check your employer owes you when your job ends. It includes all regular wages you’ve earned through your last day of work. It should also include any bonuses, commissions, or accrued sick and vacation days if your employer’s policy covers those.

Here’s the thing: a final paycheck is different from severance pay. Severance is extra money employers sometimes give when they let you go. A final paycheck is just what you’ve already earned. Texas doesn’t require severance, but it absolutely requires your final paycheck.

The Basic Timeline: When You Get Paid

Okay, this part is actually pretty simple. The deadline depends on one thing: did you leave on your own, or did your employer let you go?

If Your Employer Fired or Laid You Off

If your employer terminated you (fired, laid off, discharged, etc.), you have the right to your final paycheck within six calendar days. That’s six days from your last day of work. Yep, that’s all you need to remember.

Think of it like this: your employer has just under a week to get you paid. It sounds long, but the law is pretty strict about this. Your employer can’t drag their feet and use “processing time” as an excuse.

If You Quit or Resigned

This one’s different. When you resign voluntarily, your employer doesn’t have to pay you within six days. Instead, you get paid on the next regularly scheduled payday after you leave. So if you quit on a Tuesday and payday is the following Friday, you wait until then.

Wondering if quitting and getting laid off count differently? They absolutely do. And it matters. If your employer says you “quit” when they actually pushed you out, that’s worth examining carefully.

What Has to Be Included in Your Final Check

Your final paycheck needs to include several things. Here’s what your employer must pay you for:

All wages you’ve earned through your last day of work. This is non-negotiable. Commissions and bonuses, if you’ve earned them. Accrued sick leave and vacation pay—but only if your employer’s policy promises these. Texas doesn’t legally require employers to pay unused vacation, but if their policy says they will, they must follow through.

That’s it. Your final paycheck covers what you’ve already earned. It’s not for damages the company claims you caused. It’s not for equipment you lost. It’s simply for work you did.

What Employers CANNOT Do With Your Final Paycheck

Hold up, this part is important. Many people think employers can hold their paycheck for certain reasons. They can’t. Here’s what’s illegal:

Your employer cannot withhold your final paycheck because you didn’t return company property. If they want that stuff back, they need to handle it another way—maybe a security deposit or a wage deduction agreement they set up earlier. But they can’t just keep your paycheck.

They cannot refuse to pay you because you didn’t sign timesheets. They cannot say “sorry, you broke something, so we’re keeping your last check.” They cannot use your final paycheck as punishment for anything.

If your employer knows what you’re owed (and they should), they must pay it by the deadline. No exceptions.

Sound complicated? It’s actually not. The rule is simple: employers must pay earned wages on time, period.

Legal Deductions From Your Final Paycheck

Now, employers CAN make some deductions. But here’s the catch—there are strict rules.

Your employer can only deduct from your final paycheck if one of three things is true:

A court ordered the deduction (like child support). State or federal law requires it (like income taxes). You gave written permission for the deduction, in advance, for a lawful purpose.

That third one is the tricky one. Written permission means it has to be specific, clear, and signed before the situation happens. You can’t just sign a blank authorization. It has to spell out exactly what’s being deducted and why.

Employers sometimes use this for things like uniform costs, equipment the employee purchased on company credit, or loan repayments. But the deduction can’t reduce your pay below minimum wage, and it has to be for a legitimate reason you agreed to.

Here’s where people get caught off-guard: even with written permission, employers can’t use deductions to punish you or as leverage. The law protects your earned wages. Period.

What Happens If Your Employer Doesn’t Pay on Time

This is where it gets serious for employers. If they miss the deadline, there are real consequences. Penalties are no joke.

Employees can file a wage claim with the Texas Workforce Commission (TWC). The TWC investigates the claim and can force the employer to pay. Violating the Payday Law can mean paying liquidated damages—that’s money on top of what you’re owed.

We’re talking about approximately $7.25 per hour times the hours you worked, as a penalty. Plus potential legal fees if you hire an attorney. So a $2,000 final paycheck that’s a few weeks late could turn into double that in penalties and fees.

Employers who consistently violate these rules face investigations, fines, and damage to their reputation. Some end up in lawsuits that cost way more than what they tried to save by delaying payment.

How Your Paycheck Gets Delivered

Texas doesn’t have specific rules about HOW your employer pays you. They can use:

Direct deposit (if you previously authorized it for regular checks). A paper check sent by mail or handed to you. A payroll card.

That’s their choice. Some employers think they don’t have to use direct deposit for final checks even if they normally do. Technically, they’re right—but it’s good practice to use whatever method you normally get paid.

If your employer mails your check and it gets delayed, that’s on them, not you. They need to factor in mail time to meet the deadline.

Special Situations and Exceptions

What About Independent Contractors?

Independent contractors aren’t covered by Texas final paycheck laws the same way employees are. If you worked as an independent contractor, different rules might apply to you. Check your contract carefully. You might have less legal protection, so it’s worth reviewing with a lawyer if there’s a dispute.

Commissions and Bonuses—Do They Count?

Commissions and bonuses are tricky. If you earned them before you left, yes, they’re part of your final paycheck. But here’s where it gets interesting: if your employment contract or policy sets specific terms for how commissions are earned or when they’re paid, those terms matter.

Some commission agreements say the company only owes you commissions for sales that have fully closed. Others say commissions are owed as long as you initiated the deal. Your specific agreement controls. Check your contract or employee handbook.

Honestly, this is the part most people miss. Bonus structures and commission agreements are legally binding, so your employer has to follow them exactly as written.

What If the Company Goes Bankrupt?

If your employer files bankruptcy, you still have a right to your final wages. In fact, wage claims have priority over most other debts in bankruptcy proceedings. You probably won’t wait as long as other creditors, but you might not get paid in full if there’s not enough money. Consult a lawyer if this happens to you.

How to File a Wage Claim If You Don’t Get Paid

If your employer doesn’t pay by the deadline, don’t panic. You have options.

First, ask your employer in writing (email counts) where your paycheck is. Keep records of everything. Document the deadline, when you last worked, what you’re owed, and any communication about the missing pay.

If that doesn’t work, contact the Texas Workforce Commission. They handle wage claims. You can file online or by phone. You’ll need to provide details about your employment, how much you’re owed, and why it wasn’t paid.

The TWC will investigate. They might contact your employer and demand payment. If the employer ignores them, the TWC can issue violations and penalties. You can also hire an employment lawyer if the amount is large enough to warrant legal fees.

Keep copies of everything—timesheets, emails, your job offer letter, anything that proves your employment and the wages you’re owed. This documentation is gold if you end up in a dispute.

Employers: How to Stay Compliant

If you’re an employer reading this, here’s the bottom line: set your payroll calendar now. Mark the deadlines. Calculate final wages accurately. When an employee leaves, know immediately what they’re owed.

Document everything. Keep detailed records of termination dates, final wages paid, and when payment was delivered. If you ever face a wage claim, this documentation protects you.

If wage deductions are part of your policy, get them in writing. Make employees sign clear, specific deduction agreements before they’re needed. Don’t improvise when someone quits or gets fired.

Consider consulting an employment lawyer if you’re setting up wage deduction policies. These can be tricky, and one mistake could be expensive.

Final Thoughts

Texas final paycheck laws are straightforward: if you’re fired or laid off, you get paid within six days. If you quit, you get paid on the next regularly scheduled payday. Your final paycheck includes all wages earned, plus commissions and bonuses if you’ve earned them.

Employers can’t withhold pay to punish you or force you to return property. They can only make deductions you’ve authorized in writing or that the law requires.

If you don’t get paid on time, the Texas Workforce Commission is your first step. Document everything and don’t be shy about filing a claim. Employers who ignore these laws face real penalties.

Whether you’re an employee worried about your paycheck or an employer trying to stay compliant, remember: earned wages are earned wages. Pay them on time, every time. Now you know the basics. Stay informed, and when in doubt, ask a lawyer or contact the TWC.

Frequently Asked Questions

How long do I have to wait for my final paycheck if I’m fired? Six calendar days from your last day of work. That’s the maximum deadline your employer has.

What if I quit—do I get paid faster? No, you get paid on the next regularly scheduled payday. That could be further out than six days.

Can my employer hold my paycheck if I don’t return company property? No. Withholding your paycheck for unreturned property is illegal. They need to pursue it through other methods.

Are unused vacation days required to be paid out? Only if your employer’s policy says so. Texas doesn’t legally require employers to pay unused vacation, but if they promise it in writing, they must pay it.

What do I do if my employer won’t pay my final paycheck? File a wage claim with the Texas Workforce Commission. You can also consult an employment lawyer, especially if the amount is significant.

Can my employer deduct money from my final check for damage I caused? Only if you signed a written deduction agreement in advance. And even then, the deduction can’t reduce your pay below minimum wage.

Do independent contractors get the same protections? No. Independent contractors aren’t covered by the same final paycheck laws. Your contract terms control instead.

References

Texas Payday Law – Texas Guidebook for Employers: Final Pay and Discharge Requirements https://efte.twc.texas.gov/final_pay.html

Texas Law Help – Final Paychecks: Employee Rights and Employer Obligations https://texaslawhelp.org/article/final-paychecks

Texas Payday Law – Sunset HQ: Final Paycheck Deadlines and Wage Deduction Rules https://www.sunsethq.com/blog/texas-final-paycheck-laws

Magnet HR Group – Understanding Final Paycheck Laws in Texas (2025) https://magnethrgroup.com/understanding-final-paycheck-laws-in-texas/

Payroll Training Center – Texas Final and Unclaimed Paycheck Laws https://www.payrolltrainingcenter.com/texas-final-and-unclaimed-paycheck-laws

Texas Workforce Commission – Wage Claim Information and Filing https://www.twc.texas.gov/