Each payment made through Bill Pay, located in the Payments tab, will be processed either by electronic funds transfer or by check. If the payment is made through electronic funds transfer, it may only take a matter of hours for the payment to reach your payee. The calendar next to where you enter your payment amount will let you know the earliest date that the payment can reach your payee. On electronic funds transfers, try to schedule the payment at least one day in advance to assure payment reaches your payee. Payments made by check, however, will be delivered by mail. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time. There is an extensive Help Center within Bill Pay that can answer many of your questions. Please feel free to call the Credit Union at 973.785.9200 for assistance.