How far in advance should I set up a payment to insure it is paid on time?
Check payments should be scheduled 5 to 10 business days in advance, of when you want the payment to be received by the payee to allow appropriate time to be mailed through the U.S. Postal Service. Electronic payments should be made 3 business days in advance of when you want the payment to be received by the payee. Note: You may want to set up a payment to yourself so you can see how the system works.