Some Payees do not currently accept electronic payments and therefore only accept check payments. In this case, it is recommended that you set the “Send On” date at least five (5) business days in advance of the due date on your bill. Note that when you select your send on date, or use the dynamic calendar to select a send on date, a “Deliver By” date will be displayed. This is the date that the bill payment provider guarantees that your payment will be delivered to your Payee.
For Example: If your payment is due to the Payee on the 15th of the month and you set the Send On date in advance as the 10th, your check will be mailed to your Payee via first class mail. The money will be deducted from your account within 1-2 days of the Send On date you provided.
Also note that if you wait until the 10th to set the payment to go out, you must authorize your payment before 9:00 PM Eastern. (If you schedule the payment after 9:00 PM Eastern, your payment will not be issued the same day, but the following morning).