Bill Pay payments made by banks and credit unions are physical paper checks mailed from payment processing centers. The envelopes containing these checks do not have U.S. postmarks since these institutions typically utilize pre-sorted first class or bulk mail permits.
Banks don’t guarantee that these payments will arrive on time. If your payment is not received by the due date, it will be considered a late payment. Only official postmarks made by the U.S. Postal Service will be accepted as a payment date. If you use your bank’s Bill Pay service, it’s best to send your payment early.
To ensure that your payment is on time, please consider using the e-check or auto-pay services available in the payment portal. E-check is similar to a wire transfer and usually takes 2 to 3 days to process. The fee for e-check is $1.75.