Educational disclaimer

Educational planning only

The calculators and tables provide educational information. They are not financial, legal, tax, or payroll compliance advice. An estimate does not confirm that a payment was submitted, accepted, settled, posted, authorized, or made available to a recipient.

Read the assumptions

Standard timing assumes next-business-day scheduling after the modeled submission day. Same Day timing assumes an eligible file is received for the displayed window. Bank customer cutoffs and actual effective dates can differ. The payroll lead time is selected by you. Confirm it with your provider before using a planning date.

The limit checker tests amount and IAT status only. Other entry-type limits, authorization requirements, and bank conditions may apply. A passing result does not establish full payment eligibility.

Verify a time-sensitive payment

Use your bank or provider's actual payment confirmation and instructions. Consult the linked official sources for the complete rules and current schedule. The data-as-of date describes this site's verified snapshot, not a guarantee that a later operational change has been incorporated.

The tools stop outside the published calendar years. They do not extrapolate holiday data or promise a recipient account availability time.