It takes two days to process electronic payments and four days to process check payments.


For electronic payments, you must enter the payment information into Bill Pay two days prior to the date you want the payee to receive the payment(Deliver By date), no later than 7:30 p.m. PST.   


For check payments, you must enter the payment information four days prior to the date you want the payee to receive the payment (Deliver By date), no later than 7:30 p.m. PST.


For example, if the payee receives electronic payment,  and you want the payee to receive payment on September 22, you need to login to your account no later than September 20 at 7:30 p.m. PST and enter the payment information with September 22 as the Deliver By date.