When you schedule a payment, the Delivery Date you choose will populate a Send On date. Depending on the payment delivery method, you may need additional time for processing. 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.
Payments by paper check: We recommend you log in at least five business days prior to the bill due date to schedule your payment. The bank needs up to five business days advance notice to cut and mail the check.
Payments by electronic check: We recommend you log in at least one business day prior to the bill due date to schedule your payment. The bank needs one business day to process an ACH payment.