When do I need to schedule a bill pay payment for it to arrive by the due date?

We recommend logging in at least five business days prior to the bill due date to schedule your payment. 

When scheduling your bill pay payment, we have two delivery methods. The payment types are paper checks and electronic checks. Depending on the payment delivery method, we may need additional time for processing. Here’s how long the two methods can take:

Payments by paper check: The bank needs up to five business days advance notice to cut and mail the check. 

  • Some merchants process paper checks as soon as they receive it, which results in an earlier bill payment than requested by you. If you incur any fees because of a bill payment that is processed earlier than you requested, please contact us at 800-987-7237. We accept relay calls. 

Payments by electronic check: The bank needs one business day to process an ACH payment. 

  • Safe Debit accounts automatically default to the Standard Delivery payment date, which is the earliest date the electronic payment can be made.

More information

By scheduling your payment in advance, you can be sure the due date will be available. This does not mean you need to pay your bill ahead of its due date, only that you schedule the payment in enough time to arrive by the due date.

Whenever possible we’ll send your payment electronically. However, the payment method can change from time to time. The change can be due to an invalid account number, system outages, communication issues with the merchant, etc.