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Bill Pay Delivery Timeframes

Use this article to understand how Bill Pay payments are delivered, how long they may take to arrive, and what to do if a payment has not been received.

Table of Contents

How Are Bill Pay Payments Delivered?

Bill Pay payments are delivered using the fastest available method supported by the payee.

Payments may be sent:

Electronically

  • Most payments are delivered electronically.

  • Electronic payments may be processed through:

    • ACH (Automated Clearing House)
    • Virtual card payments

  • Electronic delivery is typically the fastest payment method available.

Paper Check

  • Some payees are not able to receive electronic payments.

  • When electronic delivery is unavailable, Bill Pay will mail a paper check to the payee on your behalf.

  • Because mailed payments require additional delivery time, they generally take longer than electronic payments.

How Long Do Payments Take?

Payment delivery times vary depending on:

  • The payee receiving the payment
  • Whether the payment is sent electronically or by check
  • Weekends and holidays
  • Mail delivery times (for check payments)

When scheduling a payment, Bill Pay will display the earliest available delivery date based on the payee and payment method.

Tip: Schedule payments several days before the due date whenever possible. 

Weekends and Holidays

Bill Pay payments are processed Monday through Friday, excluding holidays.

Payments cannot be processed on:

  • Saturdays
  • Sundays
  • Federal holidays

If a payment is scheduled near a weekend or holiday, additional processing time may be required.

Recurring Payments

Recurring payments follow the schedule you select when setting up the payment.

If a recurring payment falls on a weekend or holiday, Bill Pay will ask whether you want the payment processed:

  • Before the scheduled date, or
  • After the scheduled date

Review recurring payments periodically to make sure the payment amount and schedule are still correct.

Can I Change or Cancel a Payment?

In most cases, you may edit or stop a payment before:

4:00 PM ET on the date the payment is scheduled to process.

After a payment has begun processing, changes may no longer be possible.

My Payee Hasn't Received My Payment

If the payee has not received your payment:

Check the Payment Status

  • Review the payment in Bill Pay to confirm:

    • The payment was successfully scheduled
    • The payment has been processed
    • The payment was not canceled or returned

Verify the Payment Date

  • Confirm that:

    • The payment date has passed
    • The payee has had adequate time to receive and process the payment
    • No weekends or holidays affected delivery

Review the Delivery Method

  • Payments sent by paper check may require additional delivery time.

  • Mail transit times can vary based on the recipient's location and postal processing.

Contact Us

  • If the payment status shows as processed and the payee still cannot locate the payment, contact Peak Credit Union for assistance.

  • Member Services: (800) 258-3115

Need a Payment Delivered Faster?

For some payees, Bill Pay may offer Rush Delivery options.

Rush payments may provide:

  • Next-business-day delivery
  • Two-business-day delivery

Additional fees may apply.

Availability varies by payee.

Frequently Asked Questions

Will my payments always be sent the same way?

  • No. A payment that was previously sent by check may later be delivered electronically, or vice versa, depending on the payee's accepted payment methods.

What is a virtual card payment?

  • A virtual card payment is a secure electronic payment made using a temporary, single-use card number.

  • The card is not tied to your personal checking or savings account and is used only to complete the payment.

How far in advance should I schedule a payment?

  • Scheduling payments several business days before the due date helps avoid delays caused by processing times, weekends, holidays, or mail delivery.

Can I view future scheduled payments?

  • Yes. You can view all scheduled payments in Bill Pay under: Payments > Pending Payments

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